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- Financial Blog:
Make Money Off of Things You Know
Passitto.com, social referral network, recently launched. The premise is that we all know people who are looking for goods and services, so why not put that information to good use and earn som...
- Tax Planning:
Understanding Taxes; Understanding Finances
Taxes are not as sexy as investments, yet alone real estate, retirement plans, or even insurance. This is understandable, as taxes do involve paperwork, forms, and rules, exceptions, and exceptions to...
- Credit - Debt Management:
New Online Financial Web Tools
There are a number of great online financial tools that can help organize your financial life. Here is a brief review of some of the more promising online financial tools:
Mint.com - this website p...
- Hiring A Financial Adisor:
Confession from a Financial Planner
I started my financial planning career in college, earning a degree in financial planning. After nearly a decade of college, an internship, and a stint at a small fee-only financial advisor, I accepte...
- The IRS:
The IRS Audit: Fear Not
Receiving a letter from the IRS can be scary. Receiving a letter from the IRS that says that your tax return has been selected from audit can be even scarier. It shouldn’t be.
The IRS audit pro...
- Insurance Planning:
Saving Money on Auto Insurance
We have all heard that we can save hundreds of dollars on our automobile insurance coverage by switching to another insurance company. The truth is that you may not have to switch insurance companies...
- Automobile Insurance:
Saving Money on Auto Insurance
We have all heard that we can save hundreds of dollars on our automobile insurance coverage by switching to another insurance company. The truth is that you may not have to switch insurance companies...
- Investment Planning:
Diversification of Investment Assets
Diversification involves pooling investment assets with the aim of limiting risk.
In this case, risk refers to volatility or fluctuations in the value of individual investment assets. The idea is...
- Career Planning:
The Career: Our Greatest Asset
For most of us, our careers will produce more income over time than any combination of investment assets that we will hold. By recognizing that our career is in fact an investment asset, we can start...
- Credit Reports:
Understanding Credit & Credit Reports
Everyone will want to borrow money at some point in their lifetime. Banks, mortgage companies, and credit card companies look to credit reports to determine whether to lend money and how much interes...
- Long Term Care Insurance:
Buying Long Term Care Insurance
The cost of inpatient nursing home care can exceed $60,000 per year and long-term care expenses typically are not covered by Medicare or by private medical expense insurance. Many of us do not purch...
- Disability Insurance:
Buying Disability Insurance
The risk of becoming disabled and not being able to work is one of the greatest risks that most of us face. The loss of even one paycheck can devastate one's financial wellbeing. Yet, very few of us...
- Estate Planning:
Will Power: Provisions for Your Will
A Will or Last Will and Testament is a legal document that governs how property is distributed upon one's death. The provisions in a Will will vary based upon the unique characteristics of the indiv...
- Saving Money - Budgeting:
Personal Savings 101
Saving money can be difficult, but there are a number of personal savings strategies that can make the process less onerous.
It can be helpful to step back and think about what the term personal sa...
- Disposing of Property:
Qualified Personal Residence Trusts or QPRTs
The uncertainties surrounding our estate-tax laws has made traditional estate planning more complicated; however, there are still several estate planning strategies that should be considered. The qu...
- Estate & Gift Taxes:
Estate Planning for Non-US Citizen Spouses
The population is getting more and more mobile. This mobility can create a number of tax mishaps. Many of these mishaps result from United States citizens marring non-citizens.
Failing to adequat...
- Financial Goals:
Financial Goals: Finding Certainty in Uncertainty
Life has its own way of rearranging personal financial goals. What was important yesterday may be less important today, and even less important tomorrow. Therein lies the conundrum. How do we ident...
- Starting a Business:
Employment Taxes & LLCs: A Look at Payroll Taxes
The Limited Liability Company (LLC) is a flexible legal entity that allows taxpayers to elect how they want to account for their state and federal tax liabilities. Unfortunately many taxpayers do not ...
- Managing Property:
Understanding Spendthrift Trusts
Trusts can be structured to provide superior asset protection against creditor claims. Spendthrift trust provisions prevent creditors of the trust beneficiary from reaching the trust assets as lon...
- Retirement:
Which Business Retirement Plan is Right for You?
If you run a small business, you’ve got no shortage of concerns: cash flow, marketing, the ebb and flow of the economy - you name it. In fact, you have so many issues to ponder, you might find it ha...
- Family and Money:
Lending Money to Family Members or Friends
There are a number of good reasons to loan money to family members and friends. Sometimes it is to help finance the purchase of a first car or home or to help cover periods of unemployment or retire...
- Health Insurance:
Medicaid: Changes Imposed by the Debt Reduction Act of 2005
Medicaid. Okay I said it. It is not as sexy a topic as investments, but it is important. We all know of someone that will be applying for Medicaid in the near future - be it ourselves, our parents, or...
- Alternative Investments:
Alternative Invesments: Tax Lien Certificates
Many investors and investment advisers fail to take advantage of non-traditional investment alternatives, preferring instead to invest in higher risk lower return assets. For example, most investors a...
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