{"id":44,"date":"2025-03-28T00:35:48","date_gmt":"2025-03-28T00:35:48","guid":{"rendered":"https:\/\/staging8.dynaserverx.com\/newenglandtrust.com\/?page_id=44"},"modified":"2025-06-19T00:00:48","modified_gmt":"2025-06-19T00:00:48","slug":"articles","status":"publish","type":"page","link":"https:\/\/staging8.dynaserverx.com\/newenglandtrust.com\/articles\/","title":{"rendered":"Articles"},"content":{"rendered":"\t\t
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Welcome to our research center! We’ve put together a library of information on important financial topics that we believe you’ll find helpful.<\/p>

Simply click on one of the general financial topics below and you’ll find a selection of easy-to-understand information sheets about related financial concepts and strategies.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Estates & Trusts<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\n\t\t\t\tWhat Key Estate Planning Tools Should I Know About?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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By taking steps in advance, you have a greater say in how these questions are answered. And isn\u2019t that how it should be? Wills and<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tHow Can a Living Trust Help Me Control My Estate?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Living trusts enable you to control the distribution of your estate, and certain trusts may enable you to reduce or avoid many of the taxes<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Are the Pitfalls of Probate?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Have you ever wondered what will happen to your estate after you die? How long will it take for your loved ones to receive the<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tHow Can My Gift Benefit Me and the Charity?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Giving basics You\u2019re free to give almost any type of property to whatever organization you choose. But in order to retain the tax benefits associated<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tHow Can I Control the Distribution of My Estate?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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There are a number of ways your estate can be distributed to your heirs after your death. Each allows a different degree of control over<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tHow Will I Pay Estate Taxes?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Estate taxes. It\u2019s not enough to simply know they exist and to know strategies to minimize them. When it comes down to it, you need<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tCan I Benefit from an A-B Trust?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Married couples have several ways to potentially avoid any estate tax liability when they leave assets to each other. Because of the unlimited marital deduction,<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Are the Pitfalls of Probate?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Have you ever wondered what will happen to your estate after you die? How long will it take for your loved ones to receive the<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Gifting Strategies Are Available to Me?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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There are a number of different gifting strategies available for planned giving. Each has its advantages and disadvantages. Instead of making an outright gift, you<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tHow Can I Benefit from a Charitable Lead Trust?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Charitable lead trusts are designed for people who would like to benefit a charity now rather than later. You may have heard about some charitable<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tHow Can I Benefit from a Charitable Remainder Trust?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Sometimes it takes tough economic times and natural disasters to unite and bring out the best in people. Natural disasters such as hurricanes and earthquakes<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tHow Can I Benefit from a Wealth Replacement Trust?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Charitable giving can be a rewarding experience by allowing you to both give and receive. To enjoy the benefits of charitable giving, you can utilize<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tCould My Family Benefit from a Family Limited Partnership?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Effective estate planning should address wealth transfer from a practical and cost-effective approach. One estate planning strategy that families with closely held businesses should consider<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Is the Best Form of Property Ownership for Me?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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In planning your estate, it is customary to consider wills and trusts (as well as intestacy) as a means of property distribution. As a matter<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Is the History of the Federal Estate Tax?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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The history of estate taxes in America has been a long and winding road. Careful estate planning is still one of the most important ways<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Key Estate Planning Tools Should I Know About?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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By taking steps in advance,\u00a0you\u00a0have a greater say in how these questions are answered. And isn\u2019t that how it should be? Wills and trusts are<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Retirement<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\n\t\t\t\tWhat Is a SEP IRA?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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A simplified employee pension plan (SEP) is a deferred-compensation arrangement that is similar to a profit-sharing plan. It can be set up by employers and<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Is a SIMPLE?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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There are many types of employer-sponsored retirement plans. One that may appeal to small businesses and to self-employed individuals is the savings incentive match plan<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Is an IRA Rollover?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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If you leave a job or retire, you might want to transfer the money you\u2019ve invested in one or more employer-sponsored retirement plans to an<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Is a Roth 401(k)?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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The arena of employer-sponsored retirement plans has been dominated by 401(k) plans that are funded with pre-tax contributions, which effectively defers taxes until distributions begin.<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Is a Profit-Sharing Plan?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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David Wray, the president of the Plan Sponsor Council of America, once said that the purpose of profit-sharing plans is \u201cto generate goodwill and a<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Is a Money Purchase Pension Plan?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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A money purchase plan is a type of defined-contribution plan that is similar to a profit-sharing plan, except that the contribution amounts are fixed rather<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Is a 403(b) Plan?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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A 403(b) plan is a special tax-deferred retirement savings plan that is often referred to as a tax-sheltered annuity, a tax-deferred annuity, or a 403(b)<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhy Do People Buy Annuities?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Annuities are insurance-based financial vehicles that can provide many benefits sought by retirement-minded investors. There are a number of reasons why people buy annuities. Deferral<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Is a Split-Annuity Strategy?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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A split-annuity strategy involves purchasing two types of annuity contracts: immediate and deferred. The immediate annuity would provide a current income stream during the early<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Are Annuity Living Benefits?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Many variable annuity contracts offer \u201cliving benefit\u201d guarantees. For an additional cost, the contract holder may be able to purchase guarantees regardless of the account<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tHow Much Do I Need to Save?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Many Americans realize the importance of saving for retirement, but knowing exactly how much they need to save is another issue altogether. With all the<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Does the Changing Pension Landscape Mean for Retirement?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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John F. Kennedy once said, \u201cChange is the law of life. And those who look only to the past or present are certain to miss<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Is a 1035 Exchange?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Named after Section 1035 of the Internal Revenue Code, a 1035 exchange allows life insurance policy owners (and annuity contract owners) to exchange an old<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tUnforgettable Birthdays\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Birthdays may seem less important as you grow older. They may not offer the impact of watershed moments such as getting a driver\u2019s license at<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tShould You Bank Your Retirement on Your Business?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Investing in your own business makes sense. Many businesses achieve significant growth each year. However, when you consider that many small businesses fold every year,<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Are My Retirement Planning Options?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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There are a variety of retirement planning options that can meet your needs. Your employer funds some; you fund some. Bear in mind that, in<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWill Social Security Retire Before You Do?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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People have traditionally seen Social Security benefits as the foundation of their retirement planning programs. The Social Security contributions deducted from workers\u2019 paychecks have, in<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tHow Can I Estimate My Future Social Security Benefits?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Estimating your future Social Security benefits used to be a difficult task, but not any longer. For an estimate of your projected benefits, go to<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Is a Self-Employed Retirement Plan?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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A self-employed retirement plan is a tax-deferred retirement savings program for self-employed individuals. In the past, the term “Keogh plan” or “H.R. 10 plan” was<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Is an Indexed Annuity?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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If you want to limit potential losses while participating in the potentially attractive returns of a market-driven investment but would also like a guaranteed return,<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Are My Retirement Plan Distribution Options?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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When it comes to receiving the fruits of your labor \u2014 the money accumulated in your employer-sponsored retirement plan \u2014 you are faced with a<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Is a Traditional IRA?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Traditional individual retirement accounts (IRAs) can be a good way to save for retirement. If you do not participate in an employer-sponsored retirement plan or<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Is a 401(k) Plan?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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A 401(k) plan is a self-directed, qualified retirement plan established by an employer to provide future retirement benefits for employees. Employee contributions are made on<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tHow Should I Manage My Retirement Plan?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Employer-sponsored retirement plans are more valuable than ever. The money in them accumulates tax deferred until it is withdrawn, typically in retirement. Distributions from a<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tSave Now or Save Later?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Most people have good intentions about saving for retirement. But few know when they should start and how much they should save. Sometimes it might<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Is a Roth IRA?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Roth IRAs are tax-favored financial vehicles that enable investors to save money for retirement. They differ from traditional IRAs in that taxpayers cannot deduct contributions<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Tax Planning<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\n\t\t\t\tWhat Is the Capital Gain Tax?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Capital gains are the profits realized from the sale of capital assets such as stocks, bonds, and property. The capital gain tax is triggered only<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Is the Estate Tax?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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The estate tax is a tax on property that transfers to others upon your death. Estate taxes are assessed on the total value of your<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Is the Gift Tax?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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The federal gift tax applies to gifts of property or money while the donor is living. The federal estate tax, on the other hand, applies<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tHow Much Money Can I Put Into My IRA or Employer-Sponsored Retirement Plan?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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IRAs and employer-sponsored retirement plans are subject to annual contribution limits set by the federal government. The limits are adjusted periodically to compensate for inflation<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Is a Required Minimum Distribution?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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A required minimum distribution (RMD) is the annual amount that generally must be withdrawn from a traditional IRA or a qualified retirement plan (such as<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Are the Tax Benefits of Charitable Trusts?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Americans give freely to support the causes they value, from churches, education, and the arts to medical research. Fortunately, current tax laws encourage and even<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhen Must Taxes Be Paid on IRA and Employer-Sponsored Retirement Funds?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Traditional IRAs and most employer-sponsored retirement plans are tax-deferred accounts, which means they are typically funded with pre-tax or tax-deductible dollars. As a result, taxes<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Happens If I Withdraw Money from My Tax-Deferred Investments Before Age 59\u00bd?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Withdrawing taxable funds from a tax-deferred retirement account before age 59\u00bd generally triggers a 10% federal tax penalty, on top of any federal income taxes<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Is Tax Deferral?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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\u201cTax deferral\u201d is a method of postponing the payment of income tax on currently earned investment income until the investor withdraws funds from the account.<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tHow Can I Benefit from Tax-Advantaged Investments?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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For many people, tax-advantaged investing is an excellent way to reduce their income tax liability. And while many of the traditional tax-advantaged strategies have been<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Tax Deductions Are Still Available to Me?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Tax reform measures are enacted frequently by Congress, which makes it hard for U.S. taxpayers to know which deductions are currently available to help lower<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Tax-Advantaged Alternatives Are Available?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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A strong savings program is essential for any sound financial strategy. We take Benjamin Franklin\u2019s saying to heart, \u201cA penny saved is a penny earned,\u201d<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Is the Most Tax-Efficient Way to Take a Distribution From a Retirement Plan?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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If you receive a distribution from a qualified retirement plan such as a 401(k), you need to consider whether to pay taxes now or to<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tIs There Such a Thing as a Tax-Free Investment?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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The simple answer to this question is \u201cyes.\u201d There are two main types: (1) municipal bonds and municipal bond mutual funds and (2) tax-free money<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tHow Can I Keep More of My Mutual Fund Profits?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Provisions in the tax code allow you to pay lower capital gains taxes on the sale of assets held more than one year. Short-term gains<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tHow Can I Upgrade My Insurance \u2014 Tax-Free?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Responding to the changing needs of consumers, the life insurance industry has developed some alternatives that go much further in satisfying a variety of financial<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Investing<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\n\t\t\t\tHow Are Annuities Taxed?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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One of the most attractive features of an annuity is its tax-deferred status. Generally, you won\u2019t pay any income tax on the interest or earnings<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Is a Bond Ladder?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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A bond ladder is a strategy involving the purchase of bonds that have staggering maturity dates. Instead of maturing all at once, the bonds mature<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tHow Are Common and Preferred Stocks Different?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Common stock and preferred stock are the two main types of stocks that are sold by companies and traded among investors on the open market.<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Are Dividends?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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When considering the profit they make on stocks, many investors assess the gains they have obtained based on the appreciation of the stock on the<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Is an Exchange-Traded Fund?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Exchange-traded funds (ETFs) are just one of the many types of investment funds available, but they have some qualities that are unique and set them<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tHow Are Growth and Value Stocks Different?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Investors are often confused about the differences between growth stocks and value stocks. The main way in which they differ is not in how they<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tHow Are Mutual Funds Taxed?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Many people have heard the Benjamin Franklin quote, \u201cIn this world nothing is certain but death and taxes.\u201d Mutual fund taxes can be onerous. However,<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Is Stock?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Most people know something about the stock market, but many investors who see stock as a way to get rich quick might not understand exactly<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Are Zero-Coupon Bonds?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Zero-coupon bonds (\u201czeros\u201d) represent a type of bond that does not pay interest during the life of the bond. Instead, investors buy these bonds at<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Is Diversification?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Virtually every investment has some type of risk associated with it. The stock market rises and falls. An increase in interest rates can cause a<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Types of Bonds Are Available?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Bonds are issued by federal, state, and local governments; agencies of the U.S. government; and corporations. There are three basic types of bonds: U.S. Treasury,<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Is a Bond?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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When you invest in bonds, you are investing in the debt of a government entity or a corporation. A bond is simply evidence of a<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Do Bond Ratings Mean?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Bond ratings gauge a bond issuer\u2019s financial ability to repay its promised principal and interest payments. Ratings are based on an analysis of the issuer\u2019s<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Is a Stock Index?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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In 1884, Charles Henry Dow averaged the closing prices of 11 stocks he considered representative of the strength of the U.S. economy in a paper<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tHow Do Mutual Funds and Stocks Differ?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Whether you\u2019re a first-time stock investor or a seasoned veteran, you should understand what differentiates single stock investments from mutual fund investing. Picture a collection<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Is a Mutual Fund?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Since the creation of the first modern-day mutual fund, the Massachusetts Investors Trust, in 1924, there has been a steady growth of mutual funds. Today<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Is a Closed-End Fund?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Closed-end funds have been around since 1893, more than 30 years before the first mutual fund (also known as an open-end fund) was created in<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Is a Mutual Fund Load?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Mutual fund transactions can be complicated, especially with the fees and expenses that accompany the process. It\u2019s important to understand mutual fund loads, or sales<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Is an Annuity?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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An annuity is a contract with an insurance company that is funded by the purchaser and designed to generate an income stream in retirement. It<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Is the Difference Between a Fixed Annuity and a Variable Annuity?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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An annuity is a contract with an insurance company in which you make one or more payments in exchange for a future income stream in<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Investment Risks Should I Know About?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Taken by itself, the word “risk” sounds negative. But broken down into what it really stands for in terms of investing, it begins to be<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Are the Different Classes of Assets?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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When it comes to investing their money, many people are content to take a random approach. They may have received a hot tip for a<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Is Asset Allocation?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Lewis Carroll, the author of Alice\u2019s Adventures in Wonderland, once said, \u201cIf you don\u2019t know where you\u2019re going, any road will get you there.\u201d This<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tHow Can I Save for My Child\u2019s College Education?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Once you\u2019ve determined how much it could cost to send your children to college, your next prudent step is to develop a systematic investment plan<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat College Investment Options Do I Have?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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As tax laws change, college investment planning becomes increasingly complex. The most beneficial strategies for creating a college fund are quite similar to other investment<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Stock and Bond Investing Alternatives Do I Have?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Many prudent investors may have at least some of their holdings in stocks, corporate bonds, or both. In fact, when most people think of \u201cinvesting,\u201d<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Is Dollar-Cost Averaging?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Every investor dreams of buying into the market at a low point, just before it hits an upswing, and garnering a large profit from selling<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\t529 Lesson Plan: High Scores for 529 Plans\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Looking for a tax-advantaged college savings plan that has no age restrictions and no income phaseout limits \u2014 and one you can use to pay<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Probate Law<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\n\t\t\t\tFamily Death Crisis: What to Do After Losing Someone in Massachusetts\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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When someone you love dies, the emotional stress can feel overwhelming. Still, there is also an immediate need to handle legal and financial tasks. Massachusetts<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Cash Management<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\n\t\t\t\tWhat Are Some Tips for Managing My Money?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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As with virtually all financial matters, the easiest way to be successful with a cash management program is to develop a systematic and disciplined approach.<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tHow Long Will It Take to Double My Money?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Before making any investment decision, one of the key elements you face is working out the real rate of return on your investment. Compound interest<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Cash Management Tools Are Available?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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There are a number of short-term cash management instruments available to the individual establishing a sound cash management program. These alternatives include money market mutual<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tHow Do Money Market Mutual Funds Work?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Just like individuals, the government, corporations, and banks often need to borrow money for a short time to make ends meet. Unlike most individuals, however,<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tHow Can I Better Manage My Short-Term Cash?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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The most important attribute of a cash reserve is its availability in time of sudden need. And even though a federally insured savings account is<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Advantages Does a Biweekly Mortgage Offer?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Most homeowners make their regular mortgage payments every month for the duration of the loan term, and never think of doing otherwise. But prepaying your<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Is a Reverse Mortgage?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Many Americans facing retirement would love to increase their monthly income. Fortunately, there is a way that homeowners can use their homes to help finance<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Are Some Smart Ways to Refinance?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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It may be worthwhile to refinance if you can get financing that is at least one to two points lower than your current interest rate.<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat About Financial Aid for College?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Financial aid for college consists of loans, grants, scholarships, and work study. Grants and scholarships are worth searching for because they don’t have to be<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Savings Alternatives Are Available?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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As an investor, you know it\u2019s important to have a portion of your holdings in savings. Opinions differ, but most financial professionals agree that adequate<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tHow Does Inflation Affect Me?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Are you saving for retirement? For your children\u2019s education? For any other long-term goal? If so, you\u2019ll want to know how inflation can impact your<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tIs a Home Equity Loan or Line of Credit Right for Me?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Home equity financing uses the equity in your home to secure a loan. For this reason, lenders typically offer better interest rates for this type<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Risk Management<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\n\t\t\t\tWhy Purchase Life Insurance?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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We\u2019ve all heard about the importance of having life insurance, but is it really necessary? Usually, the answer is \u201cyes,\u201d but it depends on your<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhy Are Annuities Considered an Insurance Product?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Annuities are financial vehicles that can be sold only by insurance companies. Basically, an annuity is a contract between you and an insurance company, which<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Is Property and Casualty Insurance?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Property and casualty insurance is specifically designed to help protect your possessions from theft or destruction and your assets from being depleted through disaster or<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tDo I Need a Business Owner Policy?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Your business may be running smoothly. You could be making money hand over fist. But don\u2019t be lulled into thinking that a catastrophe could never<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Is Life Insurance for Business Owners?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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If you own your own business, chances are you\u2019ve at least thought about the conditions under which you will leave the business and who is<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Is Split-Dollar Life Insurance?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Life insurance can be an important part of a business owner\u2019s financial strategy. It can also be a great benefit to offer to key employees.<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Is Last-Survivor Life Insurance?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Last-survivor or second-to-die life insurance covers two lives under one policy. The death benefit is paid after the second person covered under the policy dies.<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Is Disability Income Insurance for Business Owners?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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One of your greatest assets is the ability to earn an income. If you were to lose that ability due to a disabling accident or<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Is Term Life Insurance?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Term life insurance is \u201cpure\u201d insurance. It offers protection only for a specific period of time. If you die within the time period defined in<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Is Whole Life Insurance?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Most people are familiar with whole life insurance. For many years, whole life policies were the predominant type of life insurance sold in America. When<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Is Universal Life Insurance?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Universal life insurance was developed in the late 1970s to overcome some of the disadvantages associated with term and whole life insurance. As with other<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Is Variable Life Insurance?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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The insurance industry has introduced different types of insurance to meet consumer needs. For example, universal life insurance was created to provide a solution for<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Are the Main Types of Auto Insurance?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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There are four main types of auto insurance are available: liability, uninsured or underinsured motorist, collision and comprehensive, and personal injury. Most states require drivers<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tHow Do I Make a Property Insurance Claim?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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When it is time to make an insurance claim, the more prepared you are, the more smoothly it will go. Be familiar not only with<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tHow Can I Maximize My Insurance Benefits?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Understanding the threat of estate taxes on your life insurance proceeds is the first step in protecting these funds from unnecessary taxation. The next steps<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tHow Can I Insure My Future?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Long ago, people realized that there is strength in numbers. For hundreds of years, we have been joining forces against all kinds of calamities \u2014<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tHow Can I Protect My Home?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Since your home is one of your greatest assets, you should make sure it is adequately protected. That’s where homeowners insurance enters the picture. Homeowners<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tDo I Need Disability Income Insurance?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Although most of us are aware of the need for health insurance coverage when determining our risk management needs, many of us fail to consider<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Types of Health Coverage Are Available?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Rising health-care costs have driven the demand for, and the price of, medical insurance sky-high. The availability of group coverage through employment has helped many<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tHow Can I Extend My Liability Coverage?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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In this litigious society, no one is immune from potential lawsuits. Anyone with significant assets might need protection from the devastating effects of a liability<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Is the Difference Between an HMO and a PPO?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Selecting health insurance is often one of the most important decisions you will make. Health maintenance organizations (HMOs) and preferred provider organizations (PPOs) are types<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tHow Can I Determine the Financial Strength of My Insurance Company?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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How do you compare life insurance companies? What features do you examine? What criteria do you use? How do you know what to look for?<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tAm I Prepared for Long-Term Care Expenses?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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In general, Americans are not sufficiently prepared to pay for long-term care. Many of them go through their lives simply hoping that they won\u2019t ever<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Does Medicare Cover?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Medicare is the federal health insurance program for persons age 65 and older as well as certain disabled individuals. In 1965, Medicare was enacted to<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tWhat Are the Basic Types of Life Insurance?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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One of the best ways to protect against the financial consequences of a primary wage earner\u2019s premature death is life insurance. However, choosing from the<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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