Estate Planning

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Estate planning involves distributing your assets after death to such people or causes according to your wish with minimum legal complications and the least tax incidence. And estate planning is not just for the wealthy; nor is it something to be contemplated when you reach the ripe old age of eighty. Anybody, irrespective of age, […]


How Much Do I Need A Brief Education On Life Insurance

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Life insurance is one of the most important purchases a person can make. Not only can life insurance help your dependents – beneficiaries – in the event of your death, but it can help you and your dependents while you’re still alive. For example, if you find yourself in financial stress, you might be able […]


Medicare Provides Prescription Medicines

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When the Medicare prescription drug benefit begins in 2006, it will provide the most help to those with the greatest financial and medical need. Over 14 million Medicare beneficiaries-those with the most limited income and assets -can get significant financial help from the government to pay for their medicines. The 6.4 million beneficiaries who have […]


Ira Distribution Mistakes How To Blow Your Retirement Money

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With the population aging and over 4000 people a day being forced to take IRA distributions (such distributions are mandatory by April 1 after reaching age 70 1/2), mistakes in taking IRA distributions can total in the billions. Yet, because people have had no prior experience, mistakes are rampant. Here are 4 common IRA distribution […]


Who Should Be The Beneficiary Of Your Ira

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You have a number of choices when it comes to selecting a beneficiary (or beneficiaries) for your IRA. Some are appropriate. Some are mistakes and can lead to delays and expenses in getting the funds to your desired recipients. Some may even exclude some of your desired beneficiaries. In addition, some elections are for estate […]


How To Find Affordable Life Insurance In Tennessee

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You can find affordable life insurance in Tennessee by taking one important step: Only purchase the amount of life insurance you need. Most of us purchase Tennessee life insurance policies so we can help our family members – our beneficiaries – out financially – even after we are gone. To be able to financially help […]


Ira Beneficiary Planning Strategies

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Here’s an estate-planning technique that allows you to lower the tax sting to your heirs, and that reduces your retirement income in case you don’t think you will need all of your Individual Retirement Account funds in retirement. It’s called a “stretch IRA,” or “Multi-generational IRA,” a complex investment tools that allow you to extend […]