| Thursday, 12 August 2010 11:35 |
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| TOD can reduce hassles for heirs |
Among the reasons you work hard all your life may be so you can leave something to your children, grandchildren or other family members. So, naturally, you’d like to make it as easy as possible for your heirs to take possession of those assets you want them to have. And that’s why you may want to consider establishing a Transfer on Death agreement on certain accounts. Once you’ve established a TOD agreement for your account, ownership of the assets held in that account pass directly to the designated beneficiaries, bypassing probate. Why is this important? Because probate has three major drawbacks:
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| Friday, 28 May 2010 08:35 |
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| Like the benefits of a 401(k) or an IRA>? Check out the 529 plan |
If you have young children, the end of another school year means you are now one year closer to the day when you send them to college — and one year closer to dealing with the high costs of higher education. However, you still have time to save and invest — and one of the best investment choices you can make is a Section 529 college savings plan. In fact, a 529 plan contains, in just one account, some of the key advantages found in other attractive investment vehicles, such as a 401(k) or IRA. Consider the following:
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| Friday, 30 April 2010 09:36 |
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| Declare your 'Financial Arbor Day' |
| The national celebration of Arbor Day happens on the last Friday of April, although some states have designated different dates for their own Arbor Day observances. Over the years, Americans have planted millions of trees on this day, improving the environment, reducing erosion and leaving an invaluable gift to future generations. But the concepts behind Arbor Day can also be transferred to other realms — such as investing. So, this year, why not take steps to establish your own Financial Arbor Day?
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| Thursday, 11 March 2010 10:26 |
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| A year after market low, how should you invest? |
It’s been about a year since stock prices hit their low point during the long bear market. Since then, of course, we’ve seen a big rally, but some of the decisions you made when the market was at its lowest point may still be affecting your portfolio’s performance and prospects. So now that we’ve reached the one-year anniversary of the market bottom, it’s a good time to see where you are today and how you can prepare for tomorrow.
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| Wednesday, 03 March 2010 13:15 |
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| What does low inflation mean for bond owners? |
If you’re like many people, you may pay a lot of attention to the day-to-day price movements of your investments. But to create and maintain an effective investment strategy, you also need to look at the “big picture” — specifically, the economic and market forces that can affect your investments’ performance. And one of those factors is inflation. Of course, inflation has been fairly tame lately. In fact, some consumer prices fell through much of 2009, according to the Bureau of Labor Statistics. Will the mild inflation environment continue?
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