Estate Planning- Trusts

Key Considerations for Smooth Wealth Transfer Planning

Key Considerations for Smooth Wealth Transfer Planning. Components of a robust estate plan include a will, trusts, a power of attorney, and healthcare directives. A will specifies how your assets should be distributed upon your death. Trusts, which hold and manage assets on behalf of beneficiaries, can be tailored to meet specific needs, such as reducing estate taxes or providing for minor children. A power of attorney grants someone the authority to make financial and legal decisions on your behalf if you become incapacitated, while healthcare directives outline your medical treatment preferences.

5 Ways to Save on Car Insurance You Might Not Know About

By Guest Author | October 30, 2012

It seems like a cruel twist of fate that insurance, a necessity for protecting your finances, often costs more than you want to pay. When you spend hundreds of dollars each year on auto insurance, you want to make sure that you’re securing the lowest possible premium from your provider. You might associate affordable car […]

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Why People Pay More for Home Insurance Than They Need To

By Guest Author | October 29, 2012

Carrying homeowner’s insurance is necessary because without it you may have to pay a lot of money out of your own pocket if a storm causes damage or someone is hurt while visiting you. That doesn’t mean you need to spend an outrageous amount of money for protection–some people pay far too much for homeowner’s […]

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How to Do a Home Inventory for Your Insurance Company

By Guest Author | October 28, 2012

If losing your personal property to fire, burglary, or some sort of natural disaster doesn’t sound stressful enough, imagine trying to go back in your memory bank to come up with a list of everything that’s missing or destroyed so that you can recoup some of your losses. If you have yet to do a […]

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Saving tips for seniors – Making mobility problems more affordable

By Guest Author | October 27, 2012

A lack of mobility can be a serious problem for many, whether it be through old age or disabilities. This is more important in your own home, where the inability to move comfortably around can be very distressing. Furthermore, you might also consider any solutions to be over expensive, yet this doesn’t need to be […]

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How to Hurt Your Credit Score

By Guest Author | October 27, 2012

Your credit score is extremely important in the world in which we live. Nowadays it’s hard to buy anything without having a good credit rating. In some cases, it’s impossible to get a job if your credit score isn’t very good. Because it’s central to your life, you may be punishing yourself by unknowingly doing […]

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Retirement – Don’t Let A Chronic Condition Ruin Your Life

By Guest Author | October 26, 2012

Many people get confused about the medical terms ‘chronic’ and ‘acute’ which doctors and other practitioners use to describe the nature of certain conditions from which their patients might be suffering. An acute condition means that it has had a rapid onset, more often than not with little or no previous indications or symptoms, and […]

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7 Fuel Efficient Cars Under $20,000

By Guest Author | October 26, 2012

Shopping for a new car these days can leave you gasping, wondering what’s happened to make them cost so much. Adding to the dilemma is the price of fuel–it is a major consideration for some people when they go shopping for a new car. Fortunately there are still a few cars that are relatively inexpensive, […]

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How to Make a Romantic Dinner on a Budget

By Guest Author | October 25, 2012

A romantic dinner doesn’t always have to take place in an upscale, pricey restaurant–you can make it happen right in your very own home. If you’d like to share a nice candlelit dinner with the one you love but are forced to stick to a tight budget, don’t fret. By assuming the role of chef […]

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Do You Need a Separate Insurance Policy if Your Vehicle is Used for Work?

By Guest Author | October 24, 2012

Do You Need Separate Policies for the Vehicles in Your Driveway? If you have a car in your driveway that is for personal use and another vehicle that you use for business, you may very well need two separate insurance policies. In order to make sure that both vehicles are properly and adequately covered, both […]

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Buying a New Car – Can You Afford it?

By Guest Author | October 23, 2012

Buying a New Car- For many people buying a new car is their biggest financial investment after buying a house. So it’s important to get it right. Over the last few years the economic climate has been uncertain at best and this has left many people with less disposable income and a tighter monthly budget. Owning a […]

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The Error Of Postponing Your Car Maintenance

By Guest Author | October 22, 2012

Drivers count on their vehicles to get them to their destinations safely. If you’ve been avoiding car maintenance because you can’t afford it, you will end up spending more money on car repairs in the long run. This delay in servicing and maintenance of items like brakes, tires and internal mechanical parts has consumers running […]

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Reinventing Your Child’s Mattress Without Breaking The Bank

By Guest Author | October 21, 2012

The average American family does not have extra money to spend on things that may seem unnecessary.  If you are like my family, the mattress is not old until springs start popping through.  Most of us do not wait that long to get a new bed, knowing the dangers that come with sharp springs emerging […]

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