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Living Trusts: Do They Protect Your Assets From Creditors?

Living Trusts: Do They Protect Your Assets From Creditors?

Living Trusts

A surprising number of readers want to know "Can a living trust protect my family's assets from creditors and lawsuits?"  I think there are some promoters out there that use this as a pitch to get people to set up a living trust using their services:

"Transfer your assets to a living trust and hide them from your creditors," are the claims.

Sorry, that's not the law.  Let's have a quick review of a revocable living trust. Basically a trust is "a legal arrangement where property is held for the benefit of someone." In other words, you "entrust" title to your assets to "someone" who is instructed to use and manage those assets per the terms of the trust document.  Complete Article


Three Advantages a Roth IRA May Offer Your Estate Plan

Three Advantages a Roth IRA May Offer Your Estate Plan

Business

Many may not consider the possibilities that a Roth IRA can offer an estate plan. But, there are three advantages that a Roth IRA can offer if your estate value is under the Applicable Exclusion Amount ($1.5 million in 2005, and $2 million in years 2006 & 2007) and if one of your planning goals is to leave as much money as possible to your heirs.

Defining The Roth IRA

Simply stated, the Roth IRA is an IRA that individuals make contributions to on an after tax basis (contributions to a traditional IRA may be made with pre-tax money). When qualified withdrawals are taken1, they are totally free from federal income tax (state income tax treatment may vary depending upon your state of residence). 
Complete Article


Interest Only Loans – When To Use Them and How Do They Work? Owners Will Carry These Mortgages - Benefits both Seller and Buyer  

Interest Only Loans – When To Use Them and How Do They Work? Owners Will Carry These Mortgages - Benefits both Seller and Buyer  

Home Loans

If you have been shopping for a home loan you have probably seen ads for interest only (IO) loans.  What are these loans and are they advantageous?  This may depend on whether you plan on living in the house for a long time or anticipate an increase in your income. 

Interest only loans give you the option to pay interest only for a limited time, usually 5 to 10 years.  At that time the loan amount may become due and payable.  This is called a balloon payment.  Some loans may convert to a conventional loan with interest plus principal.   Complete Article 


History of the Gold Standard and Why it is so Valuable - Coins and Other Precious Metal Investment Stocks Go Typically up in Uncertain Times

History of the Gold Standard and Why it is so Valuable - Coins and Other Precious Metal Investment Stocks Go Typically up in Uncertain Times

Gold Coins

Gold has always been a popular investment for uncertain times.  President Herbert Hoover's said in 1933, "We have gold because we cannot trust governments."  The history goes back 5000 years.  This is the story of how it went from an international currency to an investment we all can own.

In 1821 when England enacted the first gold standard, making their money backed by gold, nearly all international trade imbalances were settled with gold.  This made a strong incentive for governments to stockpile gold for hard-times.  Complete Article


EBay going to up Fees for Sellers with an eBay Store

Ebay Selling on Stores - EBay going to up Fees for Sellers with an eBay Store

Ebay Stores

Ebay announced that they are going to raise the cost of their eBay online store.  This could further hurt eBay in the long run as profits are tough to come by for online auction sellers.

According to a report in the Boston Herald, Meg Whitman has acknowledged that “things have been off kilter.”  Ebay will be raising fees of the online stores which have been causing less revenue from eBay auctions.

The fees will be raised an average of 6 percent on August 22nd.  The fees will vary so some may be more and some less.  There is an estimated 541,000 eBay stores.  Ebay auction fees will not be raised at this time.  Complete Article


Home Loans and What you Need to Know to Pre-Qualify For a Mortgage - Income to Debt Ratios and Credit Reports

Home Loans and What you Need to Know to Pre-Qualify For a Mortgage - Income to Debt Ratios and Credit Reports

Business

Buying a home can be very stressful, but there are some things you should do before you start looking.  Having a regular pay check makes it easier to qualify, but you will still need to check your credit report first.  You may be surprised how many extra addresses and mistakes can be on your credit record. 

Credit reporting agencies will not remove anything until they have evidence that what they have is inaccurate.  Usually the credit report will have a dispute form attached with it.  If you see something that does not belong, fill in the forms and send them back.  Complete Article


 

 

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