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Role Reversal:  When Adult Children Should Talk To Parents About Money Regardless of whether you and your parents have always talked freely about money or you have never discussed the subject, there may be important financial issues that you need to raise with them as they – and you – grow older. The following topics […]

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Naming Beneficiaries of Insurance Policies and RetirementPlans Whether you’re wealthy or earn a modest income, there is one estate planning concern that is shared by people from all walks of life-the decision of who gets what when you’re gone. While some individuals logically assume that a will is the only official forum to express such […]

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Protect Your Assets With A Trust Contrary to what many people think, trusts are not reserved for the wealthy. The truth is, people from all walks of life may benefit from a trust. You can, too. What Is a Trust? Generally speaking, a trust is a legal entity that is central to a three-part agreement in […]

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Can I Lower the Interest Rate on My Credit Card? The simple answer is: It never hurts to ask. A study conducted by the U.S. Public Interest Research Group found that more than half (57%) of those who called their credit card issuer and requested a lower interest rate were successful. On average, the rate […]

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Don’t Need IRA Funds in 2009? You Can Leave Them in Place. Most of us have seen the value of our IRAs and employer-sponsored retirement plan accounts dwindle during the recent bear market declines. However, new legislation provides that if you’re already taking Required Minimum Distributions (RMDs) from your retirement accounts – or will soon have […]

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