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One of the Clinton/Gore campaign slogans in the 1992 presidential campaign was "It's the economy stupid". This catchphrase significantly contributed to the Clinton/Gore victory. President-Elect Obama is currently talking about stimulus packages to get us out of our current economic woes. He should also be talking about the U.S. savings rate. Taking a page from his Democratic predecessors, his motto should be: "It's the savings rate, stupid".
We proclaim that we are the only remaining...
•Utilizing a QTP (Qualified Tuiition Plan) to Fund a Grandchild's College Cost
Utilizing a QTP (Qualified Tuiition Plan) to Fund a Grandchild's College Cost If a grandparent wants to reduce the size of an estate and help pay for grandchildren's college educations, the grandparent should consider the use of Qualified Tuition Plans, QTPs, to accomplish these goals.
If the grandparent is young and in good health and anticipates living for quite awhile longer, the grandparent may want to make sure that there are adequate funds available for retirement needs. Also, the...
•Putting Investment Losses In Perspective!
The recent market downturn has taken its toll on investment values. I have been especially concerned with the dramatic losses in asset allocation funds. My experience has been that most investors can't tolerate the volatility of funds that invest solely in common stocks. Yet, they don't have the luxury of having so much money that they can completely pass by superior long term returns generated by common stocks. Asset allocation funds combine cash, bonds, and common stocks of domestic and...
•539 Plan Strategies
Some states allow a state income tax deduction for a contribution to a 529 plan. The amount of this deduction is limited to a certain amount per donor (e.g., New York's limit is $5,000 per donor per year). Therefore, to get the maximum state income tax deduction benefit, the donor should consider spreading out the contributions over several years instead of making a large lump sum that will exceed the annual deduction limit.
Rather than pay the upcoming tuition bill from other savings, you...
•Investment Planning -Do-It-Yourselfers Now Have A Choice
Historically the financial services industry has not offered an advisory alternative for Do-It-Yourselfers. Investors who wanted help were forced to choose between either: an independent advisor using an assets under management (AUM) model; or a product-oriented, commissioned based advisor model. However, the fault does not lie entirely with the financial services industry.
Consumers are also to blame because they have been resistant to paying solely for financial advice. It is difficult to...
•Top Academic and Admission Strategies for Colleges
With the rising cost of college, it is important to utilize as many cost cutting strategies as possible. Let's explore some top academic and admission strategies to help reduce the cost of college.
1.Career Planning
Career planning is often overlooked during the college planning process. However, this is one of the most important decisions that students will make. Without proper career planning, many students take 5-6 years to complete a degree. Many students receive degrees in declining...
•Protecting your Wealth
You're smart. You're doing pretty well. So why might you still be worried? Let's start with some top hazards to avoid along the way:
Hazard #1
It's not going to do you much good to build up wealth if you let it slip through your fingers. It's not the fun stuff when you think about money, but it's the most important, if you or your family face any catastrophes along the way. And yes, I mean life insurance. If you died tomorrow, would your loved ones have money to pay some of the biggest...
•How to Save for College
Parents often ask what is the best way to save for college. Before answering this question, it is important to remember you can always borrow for college, but you can't borrow for retirement. Be sure you have your retirement funding in order before saving for college.
If your children are years away from college consider yourself fortunate and start saving for college now. To begin the savings or investment process for college, you must first define your financial goals or the specific amount...
•Seven Wealth Management Pitfalls to Avoid
It is important to avoid the seven wealth management pitfalls in order to achieve financial security.
Seven Wealth Management Pitfalls To Avoid
1. Failing to protect your assets.
It's not going to help you build up wealth if you let it slip through your fingers. Do you have a safety net in case any unexpected catastrophes stop you from reaching your long-term goals?
Do you have enough life insurance? If you died tomorrow, would your partner or loved ones have money to pay some of the...
•5 Common College Planning Mistakes
When paying for college, parents often make common mistakes that end up costing them financially. Listed below are five tips parents should read to avoid making these common mistakes.
1. Assuming 529 Plan distributions are always tax free
529 plan earnings withdrawals may be taxable. Distributions of earnings from the 529 plan will be subject to income tax if the amount withdrawn from the 529 plan exceeds the qualified education expenses. Therefore, it is very important to be sure the amount...
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