Author Archives: admin

Improving Your Credit Score

By admin | Published: January 25, 2012
Your credit score is a number that lenders use to gauge how likely you are to repay debts on time. It is derived from information compiled in a credit report, including your payment history (whether you have missed or been late with any payments for bills or loans), the amount you owe creditors compared with [...]
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Overestimating Retirement Income Withdrawal Needs

By admin | Published: January 16, 2012
Many preretirees have unrealistic ideas about how much they will be able to withdraw for living expenses after entering retirement. As retirees shift their focus from accumulating assets to creating an ongoing stream of income, many are not prepared to start planning from a new vantage point. This lack of perspective may explain why, according [...]
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How Can We Teach Our Children the Value of a Dollar?

By admin | Published: December 16, 2011
Start teaching your children at a young age that money is earned by working and that you should spend less than you earn. To help them understand what it’s like to get paid on a schedule, you may want to begin paying an allowance. Then help your children set goals for how they spend and [...]
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Don’t Gamble With Your Golden Years

By admin | Published: December 8, 2011
Will you have enough money for retirement? That question may keep you up at night. Or you may avoid thinking about it altogether. “What scares me for this country, especially for the baby boomer generation, is that many people will have to rely on their investment smarts in managing retirement funds,” says economist Steven Weisbart [...]
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Finding Value in a Beaten-Down Market

By admin | Published: November 10, 2011
With Wall Street’s recent seismic shifts, true stock jockeys may be tempted to buy on the dips. But this desire raises an important question: Is a low price by itself a true measure of a value stock? If an investor plans to hold a stock for the long term, how can an investor gauge its [...]
Posted in Affluent Families, Business & Non-Profit Organizations, Financial Planning, Investment Topics | Comments closed

Consider Dividend-Paying Funds as a Source of Income

By admin | Published: October 26, 2011
Key Points Profitable companies traditionally have rewarded their shareholders one of two ways: by reinvesting corporate profits in the company with the long-term goal of increasing the stock price or by paying shareholders a regular dividend. While the stock price may or may not increase over the long term, dividends, typically paid quarterly, offer investors [...]
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Thwart Identity Theft Now

By admin | Published: October 17, 2011
With a combination of good decisions and some luck, you’ve managed to build a tidy little nest egg for retirement. Having enough saved for retirement can help ensure your golden years are the best they can be. But what are you doing right now to protect the nest egg that’s essential to your future financial [...]
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Retirement Financing Risks

By admin | Published: October 14, 2011
As Americans live longer, the task of managing money after retirement gets more complex. A retiree in his or her mid-60s typically has a different risk profile than an individual approaching 90. It may be helpful to look at various types of risk from the vantage point of how they affect retirees at different life [...]
Posted in Affluent Families, Financial Planning, Investment Topics, Retirement Issues, Wealth Protection | Comments closed

What Are the Tax Issues Associated With a Gain or Loss on a Primary Residence?

By admin | Published: September 20, 2011
You may be able to exclude from income any gain up to $250,000 for a single taxpayer and $500,000 for a joint return. To exclude the gain, you must have owned and lived in the property as your main home for two of the five years prior to the date of the sale. If you [...]
Posted in Financial Planning, Real Estate Planning, Retirement Issues, Tax Topics | Comments closed

Managing Cash Flow in Retirement

By admin | Published: September 6, 2011
Tools for the Task If you are retired, or about to retire, you will need to gather and organize key information before you can tackle the ongoing tasks of monitoring and managing your cash flow in retirement. The purpose is to give you a clear and complete picture of your current financial situation, as well [...]
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