Online Retirement Tools, Personal Finance, Investment, Debt Consolidation and Financial Calculators

July 24, 2011 08:47 AM

Best Retirement Plans for Small Business Owners

Edward Harrison

Small and medium business owners usually have too many thin on their radar and retirement planning tend to take a back seat. In the end most small and mid-size business owners don't save enough for retirement.

According to Small Business Administration (SBA), only 36% of small business owners have an active IRA and only 30% participant actively contribute to it. Another twenty percent participate in 401(k) plans. This leaves almost 50% of small and mid-size business owners with no serious plan for retirement.

March 23, 2011 12:22 PM

Choosing Your Financial Professional

Amanda Brown

Choosing your team of financial professionals, and especially those who may advise you on investment decisions, takes some careful planning and reference checking on your part. You need to have a very clear understanding of the services and associated costs when hiring a financial professional.

March 15, 2011 02:42 PM

Estate Planning, Wills, Trusts, Living Wills and Probate

Andrew Shultz CFP

Estate planning is the process of anticipating and arranging for the disposal of an estate. Estate planning typically attempts to eliminate uncertainties over the administration of a probate and maximize the value of the estate by reducing taxes and other expenses. Most people know little or nothing when it comes to estate planning.

March 14, 2011 08:38 PM

Family Income and Household Expenditure Patterns

Edward Harrison

Consumer household expenditure varies by the income group. Spending patterns also differ by age of household and work status. For example older workers allocate more to retirement, pension, and Social Security funds. US Department of Labor collects household expenditure data based on the income level. We have used two income groups (high - annual income - US$90,469 and medium - annual income US$39,100) to discuss expenditure patterns.

March 14, 2011 08:17 PM

Credit Card Accountability, Responsibility and Disclosure (CARD) Act.

Andrew Shultz CFP

CARD legislation affects all credit card consumers starting in 2010. This act goes into effect in February 2010. Changes resulted from this act are intended to make it easier for you as a consumer to manage your credit card accounts.

March 11, 2011 08:56 PM

Debt Consolidation Options

Andrew Shultz CFP

If you have too much consumer debt, you probably have looked into companies offering debt consolidation services. There are thousands of debt consolidation companies out there promising to wipe out your debt overnight but reality suggests otherwise. Most of these companies promise "Easy Monthly Payment Plans" with reduce payments and lower interest rates.

Dave Ramsey - Credit Card/Debt Collectors are SCUM

Truth about debt collectors and debt collection companies.

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Asset Allocation

Warren Buffett talks about asset allocation.

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Debt Consolidation

Suze Orman talks about credit card debt.

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