Financial Planning Articles
1: Estate: How To Legally Avoid Taxes On Gifts And Inheritances
Nobody likes to pay taxes. If done incorrectly, though, the way you inherit an asset can result in you needlessly paying tens of thousands of dollars in taxes.
2: Give Your Investments Six Pack Tabs
Here are six suggestions to strengthen an investment portfolio. Each one is meant to assist the investor with the topics such as time value of money, supply/demand, capital gains, risk management (insurance), and patience.
3: Ten Things the Average Person Does Not Know About Annuities
Many people buy annuities blind. Others avoid them due to a misunderstanding. Here is a simple primer on deferred annuities which will make you a smarter consumer.
4: Opportunity Cost and Your Long Term Care Decision
Are you considering long term care insurance but are balking because you don't think you will ever need it? Here is an approach that does not require annual premiums and provides a tax-free benefit to your heirs if long term care is never needed.
5: Simplifying a Difficult Senior Planning Decision: The Family Home
Whether or not to sell their home is one of the biggest sources of consternation to seniors. Here are reasons to stay put and ways to remain in the home and get the equity out.
6: Credit Card Debt Consolidation - Your Savior
Credit card debt consolidation encompasses debt management programs that address the issues related to unmanageable situation because of multiple cards and loans.
7: Financial Ratios in Sports
Financial statements both report on a firm's position at a point in time and on its operations over some past period.
8: Looking For Another Income Tax Deduction? You Might Qualify For an IRA and Not Know It
Are you searching for another income tax deduction and wonder whether you qualify for an IRA? If so, here are the new contribution rules--some brand new as the result of the Pension Protection Act of 2006.
9: 4 Simple Steps to Get Out of Debt - And Stay Out
Learn How to Get Out of Debt and Stay Out in 4 Simple Steps - Planning for the Big Bills, Thinking Out of the Box, Planning for the Big Stuff, and Plugging the Holes.
10: How Is Secure Debit Card Processing Done?
Are debit cards better than credit cards? Is it safe to use them? These article will address these questions and more.
11: Budget Tips For Families Saving
If you are in charge of creating the family budget, chances are, youve had the unfortunate experience of having a brilliant budget plan that isnt executed well.
12: What You Need To Know About Credit Reporting Agencies
You may never see one, or visit one, but the credit reporting agency is always there in the background. These are the companies that assign credit ratings for both corporations and individuals. The credit rating is a way of measuring credit worthiness-or in other terms, the ability to pay back a loan.
13: Benefits of Re-Financing
There are a number of benefits which may be associated with re-financing a home. While there are some situations where re-financing is not the right decision, there are a host of benefits which can be gained from re-financing under favorable conditions. Some of these benefits include lower monthly payments, debt consolidation and the ability to utilize the existing equity in the home.
14: Choosing a Fixed or ARM Option
One of the most important decisions a homeowner will have to make when deciding to re-finance their home is whether they want to refinance with a fixed mortgage, an adjustable rate mortgage (ARM) or a hybrid loan which combines the two options.
15: Are You Considering Re-Financing?
Homeowners who are considering re-financing their home may have a wealth of options available to them. However, these same homeowners may find themselves feeling overwhelmed by this wealth of options. This process doesnt have to be so difficult though. Homeowners can greatly assist themselves in the process by taking a few simple steps. First the homeowner should determine his refinancing goals.
16: Checking Mortgage Rates Online
Homeowners who are planning to re-finance their home may find the Internet to be a very worthwhile resource. The Internet is useful because it can give the homeowner a wealth of information as well as the ability to compare different rates from different lenders at their convenience.
17: Comparison Shopping When Re-Financing
Homeowners who are re-financing their home for the first or even the second or third time should thoroughly research all of the available options to ensure the best possible interest rate and terms are secured. Homeowners are sometimes lazy when it comes to re-financing.
18: Choosing a Lender
Choosing is a very important part of the process of re-financing a home. Understanding the different re-financing options and knowing how each of these options work is very important but none of this matters at all if the homeowner is unable to find a lender who is willing to offer them the rates and terms they are seeking.
19: Do it Now! Start Planning Your Retirement Strategy
It's never too early to start planning your retirement investment strategy. Don't leave it until it's too late, invest a little time now and read the article. You'll be glad yo did!
20: Your Ultimate Financial Management Tool
Even the most mundane activities benefit from planning yet most of us organize our lives and out finances without so much as a thought or an inkling of an idea about our finances and without any financial plan at all.
21: Stock Options: Know When To Hold 'Em
Telling when to exercise your company stock options should be based on more than your gut about a potential market price peak.
22: A College Planning Quandary
Withdrawing savings from an IRA is one option to pay for college tuition. But is it a good idea?
23: Estate Planning: Having Faith in your Legacy
A trust may be one of the best options for ensuring your memory lives on. Here are two that may be right for you.
24: Retirment Planning: The First Step before Withdrawal
Five essential questions to ask yourself before you tap retirement savings.
25: A New Mindset For Income Distribution
A distribution plan focuses less on accumulating wealth and more on making it last through retirement.
26: Seven Important Things To Teach Your Children About Finances
Starting your children off with a right view of finances is so important these days - especially when debt seems to be a common way of life for so many. Who knows if the young parents of today were ever taught such a vital lesson in life as being able to properly manage their finances
27: Calculating your Post-retirement Income, Post-haste
Do you know how much money is enough for retirement? We'll show you how to find out.
28: Estate Planning: The Key Ingredient
Wills are the central (and one of the most complex) parts of estate planning.
29: Retirement Planning: Too Much Concentration
Having too much of a good thing can be bad for your portfolio.
30: Retirement: Keep on Rollin'
By continuing to work after retirement, baby boomers are poised to single-handedly change the way we look at our golden years.
31: The Clock is Ticking: Retirement Planning Later in Your Career
Are you ready for retirement? Sure, you're mentally prepared to leave the everyday rat race, to throw your alarm clock in the garbage, and to spend your days doing whatever you so please. The question is: are you ready financially? If you're like most Baby Boomers, the answer is probably "no".
32: Why do Some Stores Still Allow you to Sign Rather than Chip & Pin?
The new Chip & Pin credit card system has been officially in use for several months now, but in some cases you'll still be able to sign rather than use your Chip & Pin.
33: Estate Planning: An Introduction to your Legacy
Estate planning can be difficult and confusing. Here are the four basic ways to plan.
34: Too Much of a Good Thing?
Investing in company's stock within your 401(k) is admirable, but it doesn't take much to get carried away.
35: Retirement Planning: The Wobbly Stool
The "three legged stool" has long been the approach to retirement planning. But most Americans don't even have a stool, and for some who do, the stool is becoming a bit shaky.
36: Estate Planning: Ensuring Your Legacy
Making sure you have a will and a financial power of attorney are two crucial steps in the estate planning process.
37: Top 7 Reasons You Need a Budget
A budget is a roadmap that empowers you to take control of your money instead of letting your money control you. It can give you peace of mind, improve your marriage, and help you prepare for a prosperous future.
38: Tips On Selecting The Right Structured Settlement Company
Before we move on to the tips that will help you find the right structured settlement company for your needs, are you really sure what youve got on your hands is a structured settlement? When litigating procedures come to an absolute end, the winning and losing party may come to a compromise over the payment method for the settlement...
39: College Planning: A Prepaid Education
529 prepaid college tuition plans offer an easy way to save for an education.
40: Estate Planning: Before You Begin
Leaving a proper legacy has become a science. Here are the basics to help get you started.
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