Most Americans are not subject to the federal estate tax at its current exemption levels. For 2009, each person can pass $3.5 million to heirs estate-tax free at their death. However, if your estate has the potential to be affected by the estate tax, you have some planning opportunities right … [Read more...]
Keep an eye on your credit
The Credit Card legislation passed last month should ultimately help consumers. However, in the short term, many people are being squeezed. We have a combination of factors: banks attempting to shore up their financial statements by reducing the available credit on credit cards, home equity … [Read more...]
Roth 401(k) and 403(b)
One of my fellow Garrett Planning Network members, Jim Blankenship in New Berlin, Illinois, did a great summary article on Roth 401(k)s and 403(b)s yesterday. More and more companies are making the Roth 401(k) or 403(b) an option. Legislation was also recently signed allowing the Roth … [Read more...]
10 Tools to Build an Emergency Fund
So, you know you need an emergency fund. You've been trying to build one, but just can't seem to get there. The percentage of people living paycheck to paycheck ranges depending on who’s surveying from 47% (Careerbuilder 2008 survey) to 71% (American Payroll Association 2008 survey). This issue … [Read more...]
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