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Showing 8241–8256 of 10245 results
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Playing catch-up with your retirement savings
July / August 2011
Newsletter: Planning for Prosperity / Wealth Management Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 513
Abstract: For those who are age 50 or older, “catch-up” contributions are one tool that can quickly build — or rebuild — a retirement fund. These contributions over and above the regular annual contribution limits offer the opportunity to add meaningfully to savings over time. This article offers an example of how much of a difference it can make to take full advantage of catch-up options, and provides a table showing how much can be contributed to traditional 401(k), 403(b) or 457(b) plans, along with SIMPLEs and IRAs.
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The new estate tax regime – Greater wealth-transfer opportunities now available
July / August 2011
Newsletter: Planning for Prosperity / Wealth Management Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 546
Abstract: With the passage of the Tax Relief, Unemployment Insurance Reauthorization, and Job Creation Act late last year, the estate tax law is set through 2012. But if Congress doesn’t take additional action, the estate tax will revert to levels prescribed by pre-2001 tax law beginning in 2013. Still, even with this uncertainty, the next two years offer an ability to transfer greater amounts of wealth out of one’s estate, thus lowering liability. This article discusses the increase in the gift and estate tax exemptions and the “portability” of the latter for married couples.
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The brighter side of capital losses – There’s opportunity in that red ink
July / August 2011
Newsletter: Planning for Prosperity / Wealth Management Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 883
Abstract: Capital losses are an almost inevitable part of investing. But they can be used to lower tax liability and reposition one’s portfolio. This article explains the basics of capital losses, including the “wash sale rule” that disallows some losses, and shows how to incur capital losses without running afoul of the rule. A sidebar discusses the implications of Congress’s two-year extension of the 15% rate on long-term capital gains.
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Love, marriage and then a postnuptial agreement
May / June 2011
Newsletter: Planning for Prosperity / Wealth Management Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 282
Abstract: Postnuptial agreements, which are permitted in many but not all states, usually address issues regarding finances, property and children. But, as this article explains, postnups —like prenups — can include provisions for the division of property and set specific spousal support dollar amounts. If desired, the agreements can be structured to influence behavior, such as through a financial penalty for infidelity. And postnups can be useful when one spouse’s financial situation changes drastically.
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The cost of being a member of the Sandwich Generation
May / June 2011
Newsletter: Planning for Prosperity / Wealth Management Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 708
Abstract: It can be a financial burden for those taking care of their children to also support their aging parents, but tax breaks and insurance may help. This article discusses the adult-dependent tax exemption, and whether Social Security factors into it. It also looks at long-term care insurance and what an individual vs. a group plan offers.
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Mortgage sweet mortgage – Choosing the right loan is just as important as choosing the right home
May / June 2011
Newsletter: Planning for Prosperity / Wealth Management Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 695
Abstract: The interest cost of a loan can perhaps double the total cost over the years. That’s why a buyer must make sure to get the right mortgage for his or her situation. This article examines fixed-rate vs. adjustable-rate mortgages, “balloon” mortgages and jumbo mortgages. It also provides general rules of thumb regarding the percentage of salary a mortgage and its associated expenses should not exceed. A sidebar offers a word about “points.”
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Buying bonds? Your choices range from conservative to speculative
May / June 2011
Newsletter: Planning for Prosperity / Wealth Management Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 833
Abstract: While over long periods of time bonds historically have offered lower total returns than stocks, they can provide a reliable, steady income stream. What’s more, bond prices have often increased when stock prices have fallen, making them potentially useful for diversification purposes. This article discusses the pros and cons of the main categories of bonds, such as U.S. Treasuries, state and municipal bonds, corporate bonds, and international bonds. A sidebar looks at two primary avenues for investing in bonds: individual bonds, or a product that pools the capital of a group of investors, such as a bond mutual fund or an exchange-traded fund (ETF).
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Tax breaks associated with owning a vacation home
March / April 2011
Newsletter: Planning for Prosperity / Wealth Management Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 365
Abstract: This article examines how the IRS treats income and expenses associated with a vacation (or second) home. It answers questions such as: What constitutes a vacation home? What is deductible if the property is rented, and how long during the year is the owner or renter allowed to occupy the house for different deductions to apply?
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What to consider when naming retirement plan beneficiaries
March / April 2011
Newsletter: Planning for Prosperity / Wealth Management Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 766
Abstract: Income and estate tax ramifications are among the most important factors to consider when choosing retirement plan beneficiaries. This article explores those ramifications, and shows the advantages/disadvantages of choosing a spouse vs. someone else as a beneficiary, including a trust or charity.
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Should you invest in emerging markets?
March / April 2011
Newsletter: Planning for Prosperity / Wealth Management Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 684
Abstract: The robust economic growth in emerging markets such as China, India and Latin America continues to make headlines, particularly in comparison with the tepid growth in most developed markets. Many are wondering if they should follow the trail of many individual investors around the world and increase their exposure to emerging markets. As this article explains, the answer depends on one’s individual situation.
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Bond credit ratings 101 – Despite unfavorable press, ratings are still meaningful
March / April 2011
Newsletter: Planning for Prosperity / Wealth Management Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 814
Abstract: Credit rating agencies have been criticized for not providing adequate warning about risky securities. Despite their recent high-profile failings, credit ratings remain a useful tool for bond investors, as long as their limitations are understood. This article discusses the three major credit rating agencies and what the ratings indicate, so that the reader can make use of them while keeping their limitations in perspective. A sidebar discusses whether municipal bonds are still a good investment in today’s environment.
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Tax reduction strategies for a growing family
January / February 2011
Newsletter: Planning for Prosperity / Wealth Management Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 608
Abstract: Raising children today is expensive, but there are a number of strategies to help ease the burden. As this article explains, these include exemptions, tax credits, Education Savings Accounts, and 529 plans.
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Keep emotions in check when making investment decisions
January / February 2011
Newsletter: Planning for Prosperity / Wealth Management Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 546
Abstract: Deciding what to do with investments during tough times can be difficult, and emotions sometimes get in the way of making sound choices. But this article looks at ways to maintain objectivity, such as taking advantage of automatic investment plans, developing an individualized wealth management plan, and diversifying one’s portfolio.
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2 charitable giving vehicles: DAFs and private foundations
January / February 2011
Newsletter: Planning for Prosperity / Wealth Management Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 597
Abstract: Those who are charitably inclined and ready to greatly increase their contributions should consider whether a donor advised fund (DAF) or a private foundation might be better for their purposes. A DAF is easier and less costly to set up than a foundation, but a foundation offers more opportunity for control. This article looks at the details of both.
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Does your bank still meet your needs?
January / February 2011
Newsletter: Planning for Prosperity / Wealth Management Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 854
Abstract: Bank services and fees are constantly changing, and the mix that originally seemed attractive might bear little resemblance to a bank’s current offerings. Thus, a periodic review is in order. This article explores services that a particular user may or may not need, available online options, and avoiding fees. A sidebar discusses how a bank’s size can offer pros and cons for small business owners.
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Ask the Advisor – How can I reduce insurance premiums on my properties?
January / February 2011
Newsletter: Real Estate Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 433
Abstract: A higher deductible is one way to reduce premiums, but this issue’s “Ask the Advisor” offers four additional strategies that can be employed: Know the property’s fair market value; purchase insurance on the entire portfolio; time the market; and be cautious when seeking premium savings.