Articles 2019-04-30T20:31:16+00:00

Insurance

  • Law 5

What is Term Life Insurance?

July 5th, 2017|0 Comments

Once you have determined that you need life insurance, and calculated how much coverage you require, you will have to choose between several types of life insurance [...]

  • Law 7

What is Permanent Life Insurance?

July 5th, 2017|0 Comments

Once you have determined that you need life insurance, and calculated how much coverage you require, you will have to choose between several types of life insurance. [...]

The Basics of Homeowners Insurance

July 5th, 2017|0 Comments

Your home and the things in it generally represent the largest asset your family will ever have. For this reason it is very important to have your [...]

  • Law 8

Health Insurance – How It Works

July 5th, 2017|0 Comments

Without health insurance, a single illness can cause serious, and often irrevocable, financial hardship. Insurance of any kind is intended to transfer financial risk to an insurance [...]

Do You Really Need Private Mortgage Insurance?

July 5th, 2017|0 Comments

If you purchased your home paying less than 20% down, chances are you had to purchase “mortgage insurance” in order to qualify for your loan. A mortgage [...]

Determining Your Life Insurance Coverage Needs

July 5th, 2017|0 Comments

Like auto insurance coverage, it is sometimes difficult to see the true value of life insurance coverage until you actually need it. In the meantime, the only [...]

Auto Insurance – How It Works

July 5th, 2017|0 Comments

Anyone who has ever owned a car knows that automobile insurance is expensive. A survey conducted by the National Association of Insurance Commissioners found that the average [...]

Estate Planning

Use of Living Trusts

July 5th, 2017|0 Comments

A revocable living trust provides financial protection in the event you are no longer able to manage your financial affairs yourself. You can be trustee while you [...]

Gift Giving Strategies

July 5th, 2017|0 Comments

The federal government imposes a substantial tax on gifts of money or property above certain levels. Without such a tax someone with a sizable estate could give [...]

Charitable Remainder Trusts

July 5th, 2017|0 Comments

A Charitable Remainder Trust normally is used as a strategy for converting highly appreciated assets into income producing assets, without income tax liability. The Charitable Remainder Trust [...]

A Will That Meets Your Needs

July 5th, 2017|0 Comments

A will is a legal document that transfers what you own to your beneficiaries upon your death. It also names an executor to carry out the terms [...]

A Living Will

July 5th, 2017|0 Comments

You may recall that during the final weeks of his life, former President Richard Nixon refused "heroic measures" and received only palliative (comfort-easing) care at his home. [...]

Business

Loss of a Key Employee

July 5th, 2017|0 Comments

Business owners accept without question the wisdom of insuring the firm against the loss of its property values. We take care to insure the physical assets against [...]

Implementing a Cafeteria Plan

July 5th, 2017|0 Comments

Internal Revenue Code 125 allows an employer to implement an employee benefit plan which allows employees to se1ect the benefit programs they prefer. The plan offers two [...]

Choosing a Business Continuation Plan

July 5th, 2017|0 Comments

The death of a major shareholder in a closely-held corporation can seriously interrupt continuity and profitability of the business. Surviving shareholders must struggle with how to continue [...]

Finances

Your Personal Financial Statements

July 5th, 2017|0 Comments

Personal financial statements are the roadmap that guides us from where we are today, to where we want to be tomorrow. They also provide fixed points of [...]

Year End Financial Planning

July 5th, 2017|0 Comments

The best financial decisions are made with the benefit of time, thoughtful consideration and trusted professional advice. As tax time once again approaches, there are many things [...]

The Time Value of Money

July 5th, 2017|0 Comments

One well-known fact of economic life is that a dollar received today is worth more than a dollar received a year from now. Time and Money The [...]

Selling Your Home

July 5th, 2017|0 Comments

Once you have decided to try to sell your home, the next big decision you will face is whether you want to sell it yourself of go [...]

Life Cycle Planning

July 5th, 2017|0 Comments

Financial planning means something different to everyone. For some, it's about getting by on their paycheck, for others it's about watching the stock market each day. Unfortunately, [...]

An Introduction to Budgeting

July 5th, 2017|0 Comments

Budgeting is the systematic allocation of one's limited resources (income) to a potentially unlimited number of needs and wants (expenses.) Budgeting your income, though oftentimes tedious and [...]

Tax

Taxation on the Sale of a Home

July 5th, 2017|0 Comments

For most of us, our home represents our largest asset. Over time, the management of this asset can make a big difference in our overall financial outlook. [...]

Tax Aspects of Working at Home

July 5th, 2017|0 Comments

How much of their home office expenses can be deducted is one of the most misjudged tax questions faced by home workers. The reality of home office [...]

Taking the Mystery Out of Capital Gains

July 5th, 2017|0 Comments

Under the recently enacted Jobs and Growth Tax Relief Reconciliation Act of 2003, generating long term capital gains or acquiring dividend income could be two of your [...]

Gift Tax Fundamentals

July 5th, 2017|0 Comments

The federal government imposes a substantial tax on gifts of money or property above certain levels. Without such a tax someone with a sizable estate could give [...]

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