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David Chazin's articles
Many people who plan carefully to keep income taxes at a minimum don’t give any thought to estate taxes. They assume that estate taxes affect only the very wealthy. Not true. Currently, any estate worth more than $2 million may be subject to federal estate taxes ? at rates ranging as high as 47%. With so many dual-income families and the high value of real estate in many areas of the country, an estate of this size isn’t necessarily a large estate.
Posted: 2007-07-13
Category: Personal Finance
Most of us find it easier to earn and spend money than to save it. Planning and saving for retirement too often take a back seat to other priorities. Why is procrastination the rule, rather than the exception when it comes to retirement planning? This article talks about some of the strategies while saving for retirement.
Posted: 2007-07-13
Category: Personal Finance
For years, you’ve been investing in an IRA or employer-sponsored retirement plan, and, thanks to the benefits of tax-deferred growth, you now have a considerable nest egg--enough to enjoy a comfortable retirement and pass a tidy sum on to children and grandchildren. Or so you think. Unfortunately, after taxes, only a small percentage of your retirement savings may be left. This article expands on some of the ways to get the most out of your retirement assets.
Posted: 2007-07-13
Category: Personal Finance
This article covers the basics of long-term care insurance, and what it can offer.
Posted: 2007-07-13
Category: Insurance
For many people, postponing distributions from an Individual Retirement Account (IRA) as long as possible is a good retirement strategy. It lets you continue to enjoy the benefits of tax deferral, which can make a significant difference in your account growth. But not everyone has the luxury of being able to postpone IRA withdrawals.
Posted: 2007-07-13
Category: Personal Finance
Who should benefit from your retirement assets — you and your family or the federal tax coffers? The answer is easy: you and your family, of course; however achieving that goal is more difficult. This article talks about strategies for retirement assets and how to achieve that goal.
Posted: 2007-07-13
Category: Personal Finance
As a sole proprietor, you've enjoyed watching your business take off. Your customer base is building, orders are steady, and your overhead is under control. But with this growth, you now realize you can't handle everything yourself. You need to attract investors, take on a few associates, and protect your personal assets from your firm's liabilities.
Posted: 2007-07-13
Category: Personal Finance
Many successful entrepreneurs choose to ignore the need for planning for their business succession, this article covers business succession planning within the family business and outside of it.
Posted: 2007-07-13
Category: Finance
Planning and saving for retirement, like cleaning out the attic, may be something you figure you'll get to later. But when "later" arrives at retirement age, you may not have the financial resources to enjoy your golden years. Are you prepared for retirement?
Posted: 2007-07-13
Category: Personal Finance
If you are planning on winning the lottery, don't bother reading this. For the rest of you, however, it is never too early to begin planning for a comfortable retirement. Given the new economic realities of retirement planning, building up a nest egg is a top priority. This article will help give you a perspective of how prepared you are for retirement.
Posted: 2007-07-13
Category: Personal Finance
Taxes can take a chunk out of your investment returns; yet, many investors don’t give much thought to taxes when they make investment decisions. While investment decisions shouldn’t be based entirely on tax considerations, tax-efficient investing may make a significant difference in your net gain. Employing some of the following strategies could help you retain more of your potential investment earnings and lessen your tax obligation.
Posted: 2007-07-13
Category: Taxes
With a CRT, a trustee can sell the trust property and reinvest the proceeds without having to pay any immediate tax on the gain.
Posted: 2007-07-13
Category: Personal Finance
You may already participate in an employer-sponsored retirement plan and/or contribute to an Individual Retirement Account (IRA). If so, congratulations! You're one step ahead of many Americans when it comes to saving your money. But chances are you will still need additional retirement savings to secure your financial future and reach your retirement goals, if so consider variable annuities.
Posted: 2007-07-13
Category: Personal Finance
In a “traditional” estate plan, each spouse provides for his or her assets (or most of the assets) to pass to the surviving spouse, with the understanding that those assets will go to their children at the surviving spouse’s death. This planning approach may work well when the spouses have only been married once — to each other — and the only children involved are the ones they have together. But it can spell disaster if your family is one of the many today that doesn’t fit this trad
Posted: 2007-07-13
Category: Personal Finance
A charitable remainder trust (CRT) may be an estate planning tool that fits well into your financial picture. A CRT is a type of trust generally used to donate appreciated assets to charity and avoid immediate capital gains taxes. This article reviews the basics of a CRT and the benefits it can provide when planning your estate.
Posted: 2007-07-13
Category: Personal Finance
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