5.8.18 FTP Website Quotes for Instagram

Estate Executor’s Duties During the Probate Process in 10 Simple Steps – INFOGRAPHIC | via @FamilyTreePlan

10 Simple Steps For Your Estate Executor’s Duties During the Probate Process   Family Tree Estate Planning has created this helpful infographic and document explaining the 10 simple steps to help your Estate Executor’s duties throughout the Probate process.   Here’s a PDF version of the Estate Executor’s Duties:        

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What You Should Know Before Hiring a Tax Attorney or a CPA via @UpCounsel Blog

What You Should Know Before Hiring a Tax Attorney or a CPA   This article was originally published on UpCounsel.     I see or talk to my CPA about once a week. That may seem a little extreme, but it’s because he’s brilliant, he gives great advice, and because he’s also my dad. Many […]

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What Does the New Tax Bill Mean for C-Corporations? via @UpCounsel Blog

What Does the New Tax Bill Mean for C-Corporations?   This article was originally published on UpCounsel.   By UpCounsel Business Attorney Ramsey Taylor Startup founders often have a lot of questions, but one of the most common is whether they should set up a C-Corporation for their new business. Alternatives usually considered are the […]

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Tax Business Plan Template: Everything You Need to Know via @UpCounsel Blog

Tax Business Plan Template: Everything You Need to Know   This article was originally published on UpCounsel.   Its a strategy for all aspects of your business. It is a necessity for those looking to start a tax preparation or tax consulting business.3 min read A tax business plan template is a strategy for all […]

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Type of Corporations for Small Business via @UpCounsel Blog

Type of Corporations for Small Business   This article was originally published on UpCounsel.   There are five types of corporations for small business to select from. They include sole proprietorship, partnership, LLC, C corporation, and S corporation.3 min read There are five types of corporations for small business to select from. They include sole […]

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7 Strong Buy & Dividend Stocks That Should Rip Higher

Market value: $3.7 billion Distribution yield: 5.3%* TipRanks consensus price target: $78 (17% upside potential) TipRanks consensus rating: Strong Buy Theme park giant Cedar Fair LP (FUN, $65.62) is in the business of fun. And so far, that business seems to be working; shares are up nearly 60% over the past five years. But Cedar Fair also is […]

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The 20 Worst States for Your Retirement

Population: 1.8 million Share of population 65+: 17.8% Cost of living: 17% below the U.S. average Average income for 65+ households: $40,109 Average health care costs for a retired couple: Below average at $404,606 Tax rating for retirees: Not Tax Friendly Despite its below-average living costs, the Mountain State offers some rocky terrain for retirees. […]

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How a Grandparent's 529 Account Affects College Financial Aid

Distributions from a grandparent-owned 529 savings plan could reduce a grandchild’s financial aid. But using one of these strategies can limit the impact. Getty Images By Kimberly Lankford, Contributing Editor May 9, 2018 QI read your column Shopping for a 529 Plan for a Grandchild. Don’t grandparents have to be careful about opening a 529 […]

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Prudently Investing: What Trustees Need to Know

Acting in the best interests of the trust and the trust beneficiaries, a trustee has the duty to protect and preserve trust assets and, generally, to make the assets productive. In making investment decisions and managing trust assets, the trustee must further abide by the “prudent investor rule,” which requires a trustee to exercise reasonable […]

FTP Online Estate Planning: How To Make a Will For Your Digital Life

Online Estate Planning: How To Make a Will For Your Digital Life – via @AZCentral

Online Estate Planning: How To Make a Will For Your Digital Life   This article was originally published on AZCentral. Big-name websites and companies can track your activities to deliver targeted advertising and build up an astonishingly detailed profile. Question: Do you have suggestions for creating a digital will? Answer: Estate planning is one of […]

FTP Blog Feature

7 High-Yield MLPs to Buy as Oil Prices Climb

Market value: $57.3 billion Distribution yield: 6.4% For another blue-chip MLP play, consider Enterprise Products Partners LP (EPD, $26.54). Enterprise Products is one of the oldest and best-respected MLPs you’re ever going to find. In an industry that has traditionally been run by cowboy capitalists, Enterprise has managed to stay remarkably level headed over the […]

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What Assets Are Not Counted When Applying for SSI?

Supplemental Security Income (SSI) is a federal program that helps people with disabilities and very low incomes pay for food, clothing and shelter. SSI is often confused with Social Security Disability Insurance (SSDI). One of the main differences between the two programs is that SSDI is available to people with disabilities no matter how much […]

FTP Blog Feature

Best States to Retire 2018: All 50 States Ranked for Retirement

Ranking: #37 Population: 1.8 million Share of population 65+: 17.8% Cost of living: 17% below the U.S. average Average income for 65+ households: $40,109 Average health care costs for a retired couple: Below average at $404,606 Tax rating for retirees: Not Tax Friendly Despite its below-average living costs, the Mountain State offers some rocky terrain […]

FTP Blog Feature

11 Sources of Funding for Your Small Business

Interest rate: N/A (payback in form of equity or rewards) Repayment schedule: 5+ years for equity, 1+ years for rewards Pros: Access to diverse pool of backers, good way to establish engaged customer base Cons: Relatively slow process to accumulate funds Popularized by platforms such as Indiegogo and Kickstarter, crowdfunding has evolved in the last […]

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[Webinar] Joint Account Litigation In Texas With An Emphasis On Fiduciary Relationships – May 22nd, 10:00am CT

Your first step to building a free, personalized, morning email brief covering pertinent authors and topics on JD Supra: Privacy Policy (Updated: October 8, 2015): hide JD Supra provides users with access to its legal industry publishing services (the “Service”) through its website (the “Website”) as well as through other sources. Our policies with regard […]

FTP Blog Feature

5 Dividend Stocks to Buy for Quality and Safety

Sector: Utilities Dividend yield: 3.5% Regulated utilities are often a core component of most defensive income portfolios, and for good reason. These businesses are essentially government-sanctioned monopolies, typically operating as the sole service provider in their territories. However, to ensure their infrastructure is reliable and their prices remain reasonable for customers, utility operations – including […]

FTP Blog Feature

Build a Solid Retirement Plan Around 4 Pillars of Success

Retirement planning should start with the income you need for your monthly expenses, but don’t stop there. The term “living paycheck to paycheck” has become the go-to phrase for people who are just getting by. They mostly have their monthly income figured out, but there’s no emergency fund — and they aren’t putting any money […]

Do You Really Understand Social Security_

Do You Really Understand Social Security?

By Mary Kane, Associate Editor | Kiplinger’s Retirement Report April 18, 2018   Gaining a better understanding of how Social Security works is one of the most important things you can do to prepare for retirement. After all, on average, Social Security benefits will replace about 40% of your preretirement income, according to the Social […]

10 Tech Stocks to Watch Like a Hawk This Spring

10 Tech Stocks to Watch Like a Hawk This Spring

Earnings release date: Thursday, April 26 Time of day: After the closing bell Today’s Microsoft (MSFT, $96.07) isn’t your father’s Microsoft. The Microsoft of yesteryear was primarily about selling its Windows operating system, with its Office productivity suite’s sales being a close-second priority. The business model was one of updating and upgrading previous versions of […]

4 Ways to Teach Your Kids About Work (Without Adding More to Your Plate)

4 Ways to Teach Your Kids About Work (Without Adding More to Your Plate)

Source: HBR.org This article was originally published on HBR.org – https://hbr.org/ Executive Summary What if you could maximize your time by making progress on work challenges while spending time with your children and helping them learn important skills in the process? By doing things a bit differently, you benefit your task list, your children, and […]

Retirees Often Make This Major Social Security Mistake

Retirees Often Make This Major Social Security Mistake

Source: Kiplinger This article was originally published on Kiplinger – https://www.kiplinger.com/   Many people take Social Security early and put off tapping into their IRAs and 401(k)s until they must. But that’s the opposite of what most should do, because waiting until 70 to take benefits can pay off in more ways than one. Most […]

Shopping for a 529 Plan for a Grandchild

Shopping for a 529 Plan for a Grandchild

Source: Kiplinger This article was originally published on Kiplinger – https://www.kiplinger.com/   When searching for a 529 college-savings plan for a grandchild, first check whether your state offers a tax break for your contributions. QMy husband and I live in Virginia, and our grandson lives in Utah. What is the best way to set up […]

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More Dispatches From the Retirement Front

Your first step to building a free, personalized, morning email brief covering pertinent authors and topics on JD Supra: Privacy Policy (Updated: October 8, 2015): hide JD Supra provides users with access to its legal industry publishing services (the “Service”) through its website (the “Website”) as well as through other sources. Our policies with regard […]

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How AI Can Improve How We Work

Paul Daugherty and James Wilson, senior technology leaders at Accenture, argue that robots and smarter computers aren’t coming for our jobs. They talk about companies that are already giving employees access to artificial intelligence to strengthen their skills. They also give examples of new roles for people in an AI workplace. Daugherty and Wilson are […]

The 10 Best Dividend Stocks of All Time

The 10 Best Dividend Stocks of All Time

Source: Kiplinger This article was originally published on Kiplinger – https://www.kiplinger.com/   Lifetime wealth creation: $608.1 billion Annualized return (July 1926-December 2016): 10.7% Current dividend yield: 5.6% Current analyst ratings: 2 strong buy, 1 buy, 7 hold, 0 sell, 2 strong sell As hard as it may be to believe these days, shares in General […]

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Why the Most Productive People Don’t Always Make the Best Managers

Executive Summary When a company needs a supervisor for a team, senior leaders often anoint the team’s most productive performer. Some of these stars succeed in their new role as manager; many others do not. The difference seems to hinge on whether the person has six abilities: being open to feedback and personal change, supporting others’ […]

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There’s No Good Alternative to Investing in R&D

Executive Summary Even companies that claim to have a long-term orientation worry about whether R&D is worth the investment. This is because they worry the resulting knowledge might walk out the door, as employees join other firms or start their own and because you can acquire firms that have the needed technology instead. If everyone followed […]

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Serving as Caregiver Takes Toll as You Age

Experts urge training, support and rest for aging caregivers as seniors caring for seniors in retirement becomes increasingly common. By Susan B. Garland, Contributing Editor April 17, 2018From Kiplinger’s Retirement Report As people live longer, caregivers can expect to spend years caring for a spouse or even a parent. And older caregivers, many in their […]

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A Simple Tool to Start Making Decisions with the Help of AI

Executive Summary Recent developments in AI are about lowering the cost of prediction. Better predictions matter when you make decisions in the face of uncertainty, as every business does, constantly. But how do you think through what it would take to incorporate a prediction machine into your decision-making process? In teaching this subject to MBA graduates […]

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Creating a New Approach to Engineering and Innovation at Hitachi Metals – SPONSOR CONTENT FROM HITACHI METALS, LTD.

As the new general manager of the Global Research & Innovative Technology Center (GRIT) at Hitachi Metals, Kenichi Inoue is tasked with creating an updated framework for research and development in advanced materials, helping his organization make the shift to a new approach to engineering and innovation in a disrupted world. With products that include […]

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Client Alert: CFPB’s Successor in Interest Rules Take Effect April 19, 2018: What You Need to Know

On April 19, 2018, the CFPB’s Successor in Interest Rules take effect.  Here’s what you need to know: What do the Successor in Interest Rules require? The Rules are really modifications to the Mortgage Servicing Rules which are already in place and enable mortgage servicers to communicate with potential and confirmed successors in interest without […]

Court Affirmed Summary Judgment For A Trustee Due To An Exculpatory Clause

Court Affirmed Summary Judgment For A Trustee Due To An Exculpatory Clause

Source: Winstead This article was originally published on Winstead – https://www.winstead.com/ In Kohlhausen v. Baxendale, the court affirmed a summary judgment for a trustee on the basis of an exculpatory clause in a trust document. No. 01-15-00901-CV, 2018 Tex. App. LEXIS 1828 (Tex. App.—Houston [1st Dist.] March 13, 2018, no pet. history). A mother created […]

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When to Choose a Fee-Based Account for Your Retirement Savings

The decision depends on the level of the fee, what services are included, how often you trade and any hidden costs that may eat into your balance. Assets are flooding into investment accounts that charge clients a single asset-based fee rather than a commission on each trade. But regulators and consumer advocates warn that these […]

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How Much Can You Contribute to a Solo 401(k) for 2018?

Some self-employed savers can put away as much as $61,000 for retirement in a solo 401(k), depending on age and compensation. A solo 401(k), also known as an individual 401(k) or a one-participant 401(k), is designed for self-employed people who have no employees other than a spouse. The plan allows these small-business owners to salt […]

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Annuities: The 'Bad,' the 'Good' and the 'Misunderstood'

Let me set the record straight on the two main types of annuities for you. For some investors, annuities have an image problem. Read the headlines on the advertisements from a few marketing-focused financial advisers to understand why. They often include words like “scary,” “avoid” and often just plain “bad.” SEE ALSO: Rates Are Rising. […]

10 Cryptocurrency Alternatives to Bitcoin

10 Cryptocurrency Alternatives to Bitcoin

Source: Kiplinger This article was originally published on Kiplinger – https://www.kiplinger.com/   Bitcoin is back. Kind of. The biggest financial story of 2017, the cryptocurrency Bitcoin was worth less than $1,000 in January, then worth more than $29,000 by December. As 2018 opened, the Bitcoin market was worth over $250 billion – more than AT&T […]

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Technical Experts Need to Get Better at Telling Stories

Executive Summary Startup and technical business leaders often don’t tell their innovation stories well. They rely too much on industry jargon and complex detail. This is a huge opportunity loss. When you’re doing good work, you want people to know about it. So whether you’re drafting website copy, a marketing brochure, an online article, or […]

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What I Learned About Working Parenthood After My Kids Grew Up

Executive Summary There are so many articles about the challenges and stresses of being a working parent. But there are also joys, especially as your kids get older. It’s delightful watching the kids you have adored, accompanied, and applauded for a couple of decades blossom into themselves — and leave you the freedom to do the […]

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Leaders, Stop Avoiding Hard Decisions

Executive Summary Too many leaders avoid making tough calls. The delay often does far more damage than whatever fallout they were trying to avoid. In fact, hard decisions often get more complicated when they’re deferred. In a ten-year longitudinal study of more than 2,700 leaders, 57% percent of newly appointed executives said that decisions were more complicated and […]

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Employees: How to Maximize Your Tax Breaks in 2018 and Beyond

The Tax Cuts and Jobs Act preserved or even beefed up many tax breaks available through workplace benefits programs. Here’s how to make the most of those benefits. A key component of building wealth is minimizing taxes, so it’s worthwhile to review the different valuable tax breaks often available through workplace benefit programs. SEE ALSO: […]

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The 15 Best “Turnaround Story” Stocks Right Now

Not long ago, Twitter (TWTR, $29.00) wasn’t exactly guaranteed a long and fruitful future. Its number of monthly users actually fell quarter-over-quarter in early 2016, and during the first quarter of 2017 its revenue fell for the first time ever. Never even mind the habitual losses Twitter had been booking since its inception. A funny […]

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Reinvigorate Your Career by Taking the Right Kind of Risk

Executive Summary Stephen Curry has built his NBA career taking shots that others don’t: three point shots from a crazy distance. Defenders didn’t traditionally worry much about these, since there’s such a low likelihood they’ll actually make it into the basket. But Curry practiced and practiced until they weren’t unlikely for him. His game is an […]

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PR Agencies Need to Be More Diverse and Inclusive. Here’s How to Start.

Executive Summary One of the biggest risks to a company’s reputation is a tone-deaf advertising campaign. PR practitioners need to be keenly attuned to what their brands’ strategies are and how their campaigns can be perceived by stakeholders and a broader audience — but they’ll be hard-pressed to do so if they don’t become more […]

Medicare vs. Medicare Advantage_ Ill Health Often Leads to Plan Switch

Medicare vs. Medicare Advantage: Ill Health Often Leads to Plan Switch

Source: Kiplinger This article was originally published on Kiplinger – https://www.kiplinger.com/   The drawbacks of Medicare Advantage plans can become apparent when serious illness or injury strikes. Medicare Advantage plans are attracting seniors with their appealing price tags and promise of comprehensive health coverage in one convenient package. But are these plans actually a disadvantage […]

5 Stocks You Can Feel Good About

5 Sin Stocks You Can Feel Good About

Source: Kiplinger This article was originally published on Kiplinger – https://www.kiplinger.com/   Sin stocks – shares of businesses that make weapons, operate casinos, brew beer and grow tobacco, among other activities – are immoral and don’t merit their precious investment dollars. However, these stocks have the potential for massive outperformance, and many have – sometimes […]

Calculating Taxes on Social Security Benefits

Calculating Taxes on Social Security Benefits

Source: Kiplinger This article was originally published on Kiplinger – https://www.kiplinger.com/   As much as 85% of your Social Security benefits could be taxable if you have other sources of income, such as earnings from work or withdrawals from tax-deferred retirement accounts. Q. How do I calculate what portion of my Social Security benefits is […]

Track Your Time for 30 Days. What You Learn Might Surprise You.

Track Your Time for 30 Days. What You Learn Might Surprise You.

Source: HBR.org This article was originally published on HBR.org – https://hbr.org/   Executive Summary It’s hard to know if we’re really making efficient use of our time. It seems like we’re working hard — and we’re certainly stressed out. But are we spending our time on the right things? To figure this out, try a time-tracking […]

Choosing Retirement Account Beneficiaries Requires Some Thought

Choosing Retirement Account Beneficiaries Requires Some Thought

Source: Chambliss This article was originally published on Chambliss – https://www.chamblisslaw.com/   While the execution of wills requires formalities like witnesses and a notary, the reality is that most property passes to heirs through other, less formal means. Many bank and investments accounts, as well as real estate, have joint owners who take ownership automatically […]

Inside the Invisible but Influential World of Scent Branding

Inside the Invisible but Influential World of Scent Branding

Source: HBR.org This article was originally published on HBR.org – https://hbr.org/   Executive Summary Scented environments have been shown to reduce typos in office workers; improve the perception of product quality; increase purchase intent, average unit sales, and duration of a retail visit or stay among consumers; and boost the willingness of consumers to pay […]

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Is Passive Investing 'Worse Than Marxism?'

A set-it-and-forget-it investing approach is certainly a pretty easy route for retirement savers to take, but it might be contributing to some big problems for portfolios, and even the market itself, down the line. Passive investing is taking over the world. Okay, that’s an exaggeration, but investment researchers at Sanford C. Bernstein & Co. say […]

Asset Protection Statute Cannot Limit Jurisdiction of Another State

Asset Protection Statute Cannot Limit Jurisdiction of Another State

The Supreme Court of Alaska issued a ruling on March 2, 2018, denying Alaska courts the exclusive jurisdiction purportedly granted by the Alaska asset protection statute.  This holding is consistent with a ruling by the Delaware Court of Chancery in 2014.  Based on these cases, it appears that one state’s asset protection statute cannot, by […]

Research_ CEOs with Diverse Networks Create Higher Firm Value

Research: CEOs with Diverse Networks Create Higher Firm Value

Source: HBR.org This article was originally published on HBR.org – https://hbr.org/ Research has shown that firms benefit when their CEOs have strong networks. A new study explored that idea by looking at whether the diversity of a CEO’s network affects their firm. Researchers used BoardEx data to examined a sample of 1,212 CEOs who led […]

Are You Saving Enough_

Are You Saving Enough?

Source: Kiplinger This article was originally published on Kiplinger – https://www.kiplinger.com/   If you go by the book, you would shoot for 10% to 20% of your gross income. But that ballpark figure can be deceiving. Savings and retirement estimators are helpful, but often misleading, tools. These calculators can be insufficient to determine how much […]

A One-Size-Fits-All Plan Won’t Give You Your Ideal Retirement

A One-Size-Fits-All Plan Won’t Give You Your Ideal Retirement

Source: Kiplinger This article was originally published on Kiplinger – https://www.kiplinger.com   A happily ever after retirement requires a real plan. Here are some of the (tough) questions your retirement planner should be asking you in order to make that plan. If you’re having minor chest pains for the first time, you’d probably go to […]

10 Dividends That Are Slowing to a Screeching Halt

10 Dividends That Are Slowing to a Screeching Halt

Source: Kiplinger This article was originally published on Kiplinger – https://www.kiplinger.com   Market value: $25.8 billion Dividend yield: 4.3% General Mills (GIS, $44.98) sells a diversified mix of packaged meals, snacks, cereal, yogurt, baking products and more under several well-known brands, including Cheerios, Yoplait, Pillsbury, Nature Valley and Betty Crocker. With a track record of […]

How Much Can You Contribute to a SIMPLE IRA for 2018_

How Much Can You Contribute to a SIMPLE IRA for 2018?

Source: Kiplinger This article was originally published on Kiplinger – https://www.kiplinger.com   The amount of workers at small businesses can contribute to a SIMPLE IRA for 2018 is unchanged from 2017, but there are ways to boost retirement savings. A Savings Incentive Match Plan for Employees IRA, or SIMPLE IRA for short, is a retirement […]

Simple Strategy to Spend Safely in Retirement

Simple Strategy to Spend Safely in Retirement

Source: Kiplinger This article was originally published on Kiplinger – https://www.kiplinger.com/   Delaying Social Security and using RMD rules to draw down your nest egg is a winning combination for middle-income retirees. Retirement-income strategies are big business. Financial advisers and online advice services will help you transform your savings into a steady retirement paycheck—for a […]

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What 40 Years of Research Reveals About the Difference Between Disruptive and Radical Innovation

Executive Summary In a recent publication in the Journal of Product Innovation, researchers undertook a systematic review of 40 years of innovation research. Using a natural language processing approach, they analyzed and organized 1,078 articles published on the topics of disruptive, architectural, breakthrough, competence-destroying, discontinuous, and radical innovation. Two topics stood out: disruptive innovation and radical innovation. Disruptive innovation […]

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Why Email Is So Stressful, Even Though It’s Not Actually That Time-Consuming

Executive Summary The average professional spends 4.1 hours per day responding to work messages. But psychologically, it carries a disproportionate weight: regardless of how much time we actually spend, it feels like we are always answering email, and always stressed about the unanswered messages waiting in our inboxes. Keeping track of every email you receive over a two-week period might reveal […]

What Money Message Are You Sending Your Grandchildren_

What Money Message Are You Sending Your Grandchildren?

Source: Kiplinger This article was originally published on Kiplinger – https://www.kiplinger.com/   Grandparents have the power to help shape little ones’ financial futures, and all it starts with some good old heart-to-heart talks. Fear, power, greed, and self-esteem … These are words and thoughts we associate with money, and we’re passing them onto our children […]

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Kiplinger Q&A: Laila Ali

The former professional boxer-turned-entrepreneur shares why giving back to the community is a top priority, as well as the money lessons she’s learned that enabled her career transition. Giving back is something that comes naturally to retired (and undefeated) professional boxer-turned-entrepreneur Laila Ali. Born the daughter of the late legendary boxer and activist Muhammad Ali […]

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8 Reasons You'll Regret Buying a Home With a Swimming Pool

A tear in a swimming pool’s lining, a protective layer applied to the pool before it’s filled, is a common repair encountered by homeowners. The liner acts as a barrier between the pool walls/floor and water, and it helps prevent mold growth. Vinyl lining is popular largely due to its affordability. Expect to pay $200, […]

Your Strategic Plans Probably Aren’t Strategic, or Even Plans

Your Strategic Plans Probably Aren’t Strategic, or Even Plans

Source: HBR.org This article was originally published on HBR.org – https://hbr.org/   Executive Summary You’ve seen the practice. A group of managers get together at a resort for two days to hammer out a “strategic plan.” Done and dusted, they all head home. But have they produced a plan with a strategy? Often, the answer is […]

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3 Tips for Presenting in English When You’re Not a Native Speaker

Executive Summary Many leaders quickly lose their confidence and competence when making business presentations. For a subset of them — those who need to present in English when it isn’t their native language — the stakes and the stress can feel even higher. Meanwhile, the need for leaders to be able to present in English […]

Frugal Habits of the Super Rich

Frugal Habits of the Super Rich

Source: Kiplinger This article was originally published on Kiplinger – https://www.kiplinger.com   Age: 54 Estimated net worth: $40 million How she struck it rich: Combined wealth with her husband and author, former U.S. President Barack Obama Frugal habit: Shops at Target The former first lady is known for being thrifty. While her husband former President […]

Women of Color Get Asked to Do More “Office Housework.” Here’s How They Can Say No.

Executive Summary Research shows that women of color are more likely to be assigned or asked to take on office housework tasks, such as ordering lunch or running mentoring programs. When faced with these requests, what should they do? Saying yes could mean hurting their career and reinforcing their position as less powerful. Saying no […]

Estate Planning Pitfall – You haven’t transferred ownership of a life insurance policy to a trust

Estate Planning Pitfall – You haven’t transferred ownership of a life insurance policy to a trust

Source: Adler Pollock & Sheehan P.C. This article was originally published on APSLAW – https://www.apslaw.com/   After recent tax legislation, including the Tax Cuts and Jobs Act (TCJA), few tax shelters are left standing. One key exception is life insurance. If certain requirements are met, the buildup of value in a life insurance policy is […]

30 Blue-Chip Stocks With the Best Analyst Ratings

Volatile markets might keep you up at night, but long-term investors would do well to remember that they’re also a chance to get high-quality stocks at bargain prices. Hey, any time blue-chip stocks go on sale, investors should be ready to pounce. Wall Street analysts certainly think that way. The blue-chip Dow Jones Industrial Average […]

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Why Some of the Most Groundbreaking Technologies Are a Bad Fit for the Silicon Valley Funding Model

Jurgen Ziewe/Getty Images Over the past few decades, Silicon Valley has been such a powerful engine for entrepreneurship in technology that, all too often, it is considered to be some kind of panacea. Corporate executives seek to inject “Silicon Valley DNA” into their cultures, and policy makers point to venture-funded entrepreneurship as a solution for […]

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To Take Charge of Your Career, Start by Building Your Tribe

Imagno/Getty Images Show me a person who sees uncertainty as opportunity, and I’ll show you a person who has mastered the new world of work. A person like Juliet (not her real name), for example, who described a stressful stretch of her career as “disgustingly exciting.” Juliet had left full-time employment in the public sector […]

Lost Your Investment Real Estate to a Natural Disaster_ Don_t Get Caught in a Tax Trap

Lost Your Investment Real Estate to a Natural Disaster? Don’t Get Caught in a Tax Trap

Source: Kiplinger This article was originally published on Kiplinger – https://www.kiplinger.com/   The year 2017 has topped all prior years as the costliest on record for natural disasters in the United States. Some estimates put the loss at over $300 billion. SEE ALSO: Real Estate Investment Isn’t Always a Good Deal Consider some of the […]

The Best Way to Buy a Used Car

Source: Kiplinger This article was originally published on Kiplinger – https://www.kiplinger.com/     Look for two- to three-year-old used vehicles because they’ve already lost the lion’s share of their initial value. Most used car shoppers will find plenty of bargains in 2018. A record number of vehicles are coming off lease, increasing dealer supply and […]

The Best Financial-Planning Options for Near-Retirees

The Best Financial-Planning Options for Near-Retirees

Source: Kiplinger This article was originally published on Kiplinger – https://www.kiplinger.com/     The closer you get to retirement the more likely you are to need all the help you can get. To help you decide what kind of financial advice is best for you, see if your situation is similar to this hypothetical client: […]

How to Vet a Financial Adviser

How to Vet a Financial Adviser

Source: Kiplinger This article was originally published on Kiplinger – https://www.kiplinger.com/   Be sure to interview a few options and check into their backgrounds before hiring someone. Interview a few advisers before you settle on one. Having conversations with the advisers will also give you a feel for how your personalities mesh. Ask questions, and […]

Find the Right Financial Advice at the Right Price

Find the Right Financial Advice at the Right Price

Source: Kiplinger This article was originally published on Kiplinger – https://www.kiplinger.com/   The best financial adviser for you should work to serve your unique needs. Thanks to technology and regulatory reforms, the financial advice industry is undergoing a tectonic shift. You now have more options if you’re seeking advice from a planner who is committed […]

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How Do You Like Them Apples? PACA and Your Property

Your first step to building a free, personalized, morning email brief covering pertinent authors and topics on JD Supra: Privacy Policy (Updated: October 8, 2015): hide JD Supra provides users with access to its legal industry publishing services (the “Service”) through its website (the “Website”) as well as through other sources. Our policies with regard […]

When It_s Safe to Shred Your Tax Records

When It’s Safe to Shred Your Tax Records

Source: Kiplinger This article was originally published on Kiplinger – https://www.kiplinger.com/   Many records are no longer needed three years after filing your tax return, but you may have to keep documents involving the purchase of a house or investments for years longer. QNow that I’ve filed my income tax return, I’m going to clean […]

Build a Bond Ladder for More Income

Build a Bond Ladder for More Income

Source: Kiplinger This article was originally published on Kiplinger – https://www.kiplinger.com/     Our four portfolios will help you harness higher interest rates. It’s a sure bet that interest rates have settled into a higher range and are poised to rise further. But don’t let that scare you away from bonds (when rates are rising, […]

The Best Financial-Planning Options for Families Saving for Retirement and College

The Best Financial-Planning Options for Families Saving for Retirement and College

Source: Kiplinger This article was originally published on Kiplinger – https://www.kiplinger.com/   When you have competing priorities, you may need more assistance sorting through your financial picture. To help you decide what kind of financial advice is best for you, see if your situation is similar to this hypothetical client: Kiplinger’s Guide to the Financial […]

Money-Market Funds Offering Juicier Yields

Money-Market Funds Offering Juicier Yields

Source: Kiplinger This article was originally published on Kiplinger – https://www.kiplinger.com/   Beware, however: They are not protected from losses by the Federal Deposit Insurance Corp. For years, money market mutual funds have paid practically nothing. But each time the Federal Reserve lifts short-term interest rates, yields on money market funds tend to rise in […]

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How to Undo a Roth IRA Contribution If Your Income Is Too High

You can still recharacterize a Roth contribution and move the money to a traditional IRA. Getty Images By Kimberly Lankford, Contributing Editor April 4, 2018From Kiplinger’s Personal Finance QI know I can’t undo conversions from a traditional IRA to a Roth anymore. But what if I contribute to a Roth and then discover my income […]

How to Sidestep Rising Rates on Your Home-Equity Loan

How to Sidestep Rising Rates on Your Home-Equity Loan

Source: Kiplinger This article was originally published on Kiplinger – https://www.kiplinger.com/     You may be able to rein in your loan payments before they go up. Rising interest rates have boosted the cost of borrowing against your home, and rates are likely to go higher. The average rate on a home-equity line of credit […]