Richard L. Migala, P.C.

09/23/2025

Estate planning isn’t just for “later in life.” Small steps you take today—like organizing key documents, updating your will, and reviewing insurance policies—can make a huge difference for you and your loved ones.

Practical, easy-to-follow estate and life planning tips to protect your loved ones and secure your legacy. Learn how to create wills, trusts, and healthcare directives with expert guidance.

09/23/2025

Author: Richard Migala Estate planning isn’t just for people approaching retirement. Taking a few small steps today can protect your loved ones, safeguard your assets, and make it easier for others to manage your affairs if you become incapacitated or pass away unexpectedly. These practical Michigan estate planning tips will help you stay organized and give your family peace of mind....

Common-Sense Tips for Estate Planning and Life Planning by Claudia Bove | Sep 23, 2025 | Automobile | 0 comments Common-Sense Tips for Estate Planning and Life Planning Automobile Author: Richard Migala Estate planning isn’t just for people approaching retirement. Taking a few small steps today ca...

09/03/2025

Estate planning isn’t just for “later in life.” Small steps you take today—like organizing key documents, updating your will, and reviewing insurance policies—can make a huge difference for you and your loved ones.

Estate planning isn’t just for older adults—it’s something everyone should consider. By organizing key documents, updating your will and power of attorney, reviewing insurance policies, and creating a home inventory, you can protect your loved ones and simplify future financial decisions. Thes...

03/10/2025

If you’ve ever received a call or notification about suspicious charges on your credit or debit card, you know how frustrating and time-consuming it can be to resolve fraud issues. Often, it means canceling your card and waiting for a replacement.

Check out my latest blog post for the best tips on how to make your accounts more secure.

If you’ve ever received a call or notification about suspicious charges on your credit or debit card, you know how frustrating and time-consuming it can be to resolve fraud issues. Often, it means canceling your card and waiting for a replacement. The good news? There are steps you can take to mak...

02/11/2025

🔍 Are Your Checks Safe? Here’s What You Need to Know! ✍️💳

Check fraud is more common than you think! Scammers have clever ways of getting your banking details and cashing fake checks—sometimes without you noticing for weeks.

The good news? There are simple steps you can take to keep your account secure. ✅

💬 Have you ever spotted something suspicious in your bank account? Let’s talk in the comments!

Protect your checking account from fraudsters. Learn how scammers steal checks and order fake ones, and how you can prevent becoming a victim.

11/03/2024

🚨 A relative of mine recently lost over $150,000 to a sophisticated email scam claiming to be from Microsoft. Scammers use alarming tactics to make people respond quickly. Remember: never share personal information through unsolicited calls or emails. Always verify contact through official channels and be cautious of potential fraud.

Read my latest blog to learn how you can protect yourself and your loved ones from scams and stay safe online. 💻🔒

Internet scams are on the rise, impacting people with tactics that sound legitimate but are dangerous. Learn from real-life experiences, such as the story of a scam that started with an alarming email falsely claiming to be from Microsoft. Discover key preventive steps: never respond directly to une...

05/14/2024

Is it my imagination, or are more people and groups filing more lawsuits than ever before. It seems like more arguments and disagreements are being heard by the courts instead of being resolved between the parties. It seems even our political parties and entities they regulate, are turning to the courts to overturn laws that are passed; void actions taken against members within each party; or, rescind bills legislators enact if they are perceived to negatively impact a company or group in any way. What do you think?

05/13/2024

Do you know the difference between an independent insurance agent, and a captured agent? An independent insurance agent sells insurance on behalf of several different insurance companies. A captured insurance agent sells insurance for only one company. Examples of a captured agent are agents that sell State Farm, Allstate, or Progressive insurance. A captured insurance agent is legally considered an agent for the insurance company not for you, the customer. An independent agent is legally considered an agent for the customer.

05/13/2024

With the recent changes to Michigan’s no-fault law, I strongly suggest that when you buy insurance you do it through an insurance agent and not over the Internet. A qualified insurance agent can assist you in making sure you are buying the coverage that you actually need.

02/13/2023

Don’t believe what Cure insurance is saying in its ads. Keep your unlimited lifetime medical on your auto insurance. It’s much more valuable than any savings Cure advertises.