The tax rules allow certain gains on the sale of homes to be excluded from taxable income. Home ownership has always been part of the American dream. That dream took a “hit” during the Great Recession when many homes were underwater (the market value of the home was less than the outstanding mortgage) and foreclosures…
Choosing an Entity for Your Business: Form of Ownership
Now that you’ve decided to start a new business or buy an existing one, you need to consider the form of ownership that’s right for you. Basically, three separate categories of legal entities exist: partnerships, corporations, and limited liability companies. Each category has its own advantages, disadvantages, and special rules. It is also possible to operate your business as a sole proprietorship without organizing as a separate business entity.
6 Healthy and Natural Sugar Alternatives
Everybody’s got a sweet tooth. Whether you are a self-proclaimed chocoholic or enjoy fruity desserts, it’s tough to resist the sweet deliciousness of sugar. But with diabetes on the rise, it’s more important than ever to avoid the stuff. Consuming too much over-processed sugar has negative health effects, and it’s not conducive to living a…
Health Savings Accounts: Pay Medical Bills or Save For Retirement?
Health savings accounts (HSAs) have existed since the law’s effective date in 2004. HSAs are tax advantaged savings accounts for current or future medical expenses. To open an HSA and make contributions, you must have a high deductible health plan, not be claimed as a dependent, have no other health coverage except what is permitted…
Estate Planning: Remember Your Letter of Final Instructions
All your legal documents are in place for your estate plan but have you prepared a letter of final instructions? The Legal Documents You prepared your estate plan and you used some online resources to guide you through the process. An attorney helped you to make sure your will is up to date. Beneficiaries were…
Financial Literacy Will Make Your Child Happier!
Parents and grandparents have high hopes for their children. Some say they want their children to be happy, successful and self-sufficient in life. Other mothers and fathers say they want their children to fulfill their potential, earn enough money to enjoy a comfortable lifestyle and be successful in their career. Will Financial Literacy improve your…
Digital Deception: Current Trends in Cybercrime
In December 2016, Yahoo announced that data associated with more than 1 billion user accounts had been stolen in 2013. The company believes this was a separate incident from a previously announced theft of data from 500,000 user accounts in 2014. Although the sheer number of compromised accounts is staggering, the Yahoo breaches are just…
Learn a New Skill to Meet Your Personal Challenge
Install Hardwood Floors: Personal Gain or Self-Employment. Hardwood floors look great anywhere in your home. The cost of installing hardwood floors includes the wood flooring, the labor for installation and other materials and supplies. For example, if you want to install 500 square feet of hardwood floors, the cost of the installation would approximate: Hardwood…
Financial Health Checklist – How to Budget, Save, Spend and Invest
A Supplement to Grant’s Smart Money Trilogy. How to Budget, Save, Spend and Invest (Book 1). (Downloadable PDF included below). The following checklist is intended to be used annually by an individual, a couple or a family in the areas of budgeting, savings, spending and investing. If each member of a couple has…
Reverse Mortgage: Who Qualifies?
Reverse mortgage popularity grew slowly from the start of the Federal Housing Authority’s (FHA) insured program in 1988 until the early 2000’s. The growth of reverse mortgages accelerated from 2006 through 2009 with the increase in home values. During the recession, the number of new Home Equity Conversion Mortgages (HECM) issued under the FHA reverse…
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