Donor Advised Funds
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Donor Advised Funds offer the charitably inclined new flexibility for managing gifts to charity. By funding an account, donors receive an immediate tax deduction for their contribution and gain the flexibility to direct payouts to charity on their own timetable.

IPS: Build Your Financial Dream Home with a Good Blueprint
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Without a financial plan, your investments are controlling your dreams, not the other way around. You need a blueprint for your financial dreams to come true. That blueprint in sound financial planning is called an Investment Policy Statement (IPS).

Be Smart When You Rollover Your 401(k)
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Some 401(k) plan’s generous matching contributions are completely eroded by the plan’s excessive expenses.

Australia: Investing Down Under
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Australia’s five-year annualized return was 24.10% compared to 14.98% for the MSCI EAFE and 6.19% for the S&P 500.

What the Rich Know and the Poor Do Not
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How much should I save this month? What return did I earn last year?

Minimum Wage Helps The Rich
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Even though 77% of Americans disagree with 62% of economists, let me assure you the economists are right.

Minimum Wage Hurts The Poor
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An increase in the minimum wage often means a decrease in the pre-tax benefits that employees value more.

Financial Planning Begins with Spiritual Values
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Financial planning is the process of aligning your financial choices with your life passions. Values transcend the cash and the numbers.

Belle Didn’t Really Love Scrooge
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Belle measures Ebenezer’s love for her by what he spends on her directly. Investments count for nothing.

Tax Planning Tips for 2006
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In order to make full use of these tax-saving tips, be sure to visit your tax professional before year’s end. Once January 1st rolls around, there’s little else you can do but pay up.

Cyber Monday
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This year, the busiest day will likely be two weeks later on Monday, December 11th.

Tax Planning for Small Business Owners
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Solo 401(k)s permit you to contribute to the plan both as the “employer” and as the “employee.”

Conservation Easements
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Before executing a conservation easement donation, you should be certain that it is in line with your financial goals.

NAPFA Consumer Education Foundation
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Fewer than 20 percent of investors are financially literate.

P/E Ratio
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P/E ratio tells you how many dollars you have to invest to receive $1 in earnings.

Roth IRA vs. the Traditional IRA
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Historically income taxes have not been this low since 1931.

Virginia Is For Business Lovers
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More businesses migrate across state borders than national borders.

Qualified 529 Spending
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Virginians can take a $2,000 state tax deduction simply by flowing their money through a 529 account for a day.

Reverse Mortgages Are A Last Resort
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Although the lender almost always wins, a reverse mortgage does offer a Band-Aid solution to pending cash flow problems.

David John Marotta: What Is A Contrarian?
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The markets are brilliant long-term, but short-term they have the IQ of a gnat.

ARM Yourself For Mortgage Rate Increases
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The party’s over for home owners who sought the lower initial payments of ARMs.

Foreign Freedom Investing 2006
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On average, international stocks appreciate more than US stocks, and stocks in countries with the most economic freedom appreciate more than the international average.

Socially Responsible Investing
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Delegating your morality to a fund’s screening process is like using a blunt instrument to do brain surgery.

Avoid Capital Gains Tax on the Sale of Your Home
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Consider moving your official place of residence to your vacation house, live in it 760 days out of five years, and then take the exclusion.

The United States – Land Of The Free
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“A wise and frugal government shall not take from the mouth of labor the bread it has earned.” – Jefferson

O Canada, The True North Strong and Free!
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Canada is the one major country that is not included in the EAFE (Europe, Australia, and Far East) foreign index. Not only are they good neighbors but a good investment.

Health Savings Accounts
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One out of every ten patients consume 69 percent of health care costs. The other nine would benefit from an HSA.

Seven Financial Rules For Marital Bliss
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An overwhelming number of failed marriages cite financial troubles as a major factor in their breakup.

Outlook May 2006
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Rebalancing means selling what has done well and buying what has done poorly, not visa versa.

Community College Can Provide the Best Education
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Community college for the first two years is the best deal to avoid the mountains of student debt and still graduate from a top-rate school.

Tax Freedom Day Arrives on April 26th, 2006
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Due to our progressive tax system, your taxes increase even if your buying power does not.

Donald Mortlock – Making a Free Market
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My grandfather Donald Mortlock worked on Wall Street during and after the 1929 crash. The firm he worked for was a “market maker,” a company which helped to literally “make a market” in several stocks.

Florence Mortlock – Dignity is a Happy Ending
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The life of my grandmother Florence Mortlock provided me with many life lessons on finance and financial planning.

VRS: A Bird in Hand or Two in the Bush?
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Many people in this situation would choose the quick cash.

Eighty – Twenty Rule of Asset Allocation
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Investors are quick to forget that the markets also go down.

The French Kiss Of Death
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French labor laws have made doing business in France with French employees very unattractive.

How Your Children Can Win the Stock Market Game
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To meet your goals you don’t need to beat the investment returns of everyone else. Instead, you want a decent return in order to retire comfortably and to ensure a cash flow which will support your standard of living.

The Guillotine Of French Economic Freedom
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Although the French gave us the word ‘entrepreneur,’ it’s a wonder the term isn’t obsolete in French.

Compute Your Net Worth Once A Year – 2006
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Between 40 and 60 you should increase your net worth by half your annual take home pay every year.

2005 In Review
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2005 was a year which showed the weakness of limiting your asset allocation to US stocks and US bonds.

Eight Steps to Fix Your Broken Credit
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Do whatever it takes. Ask your mother-in-law to hold your credit cards while you are getting out of debt.

Creating A Ladder for Retirement Income
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Like the iron rods in sailing ships, bonds keep your portfolio upright in stormy weather.

Sifting Through Your Own Credit Dirt
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Credit bureaus charge to see your credit score. Save your money.

Learn What Credit Stalkers Know About You
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Beware of bogus credit companies claiming to offer free credit reports in order to gather your personal information.

How to Double Your Retirement
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Every six years you delay saving and investing you cut in half the lifestyle you will have in retirement.

Timing the Market Isn’t All Fun and Games
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Market timing is the attempt to switch a significant portion of your assets between different types of investments in an effort to maximize profits. If this is your investment strategy, good luck, because you’ll need it.

Why is Bob Cratchit So Poor?
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At first glance, this story fills us with pity for the Cratchit family, always struggling to make ends meet. But is that the true story?

Government Controls Endanger Homeland Security
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While it’s hard to muster pity for diminished drug company profits, negligible earnings jeopardized production and supply.

Medicare Part D Deserves an F
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Poor families with children will subsidize millionaire seniors.

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