Fresh articles from Fiscalwealth | Personal Finances, Investment and Wealth Managementhttp://www.fiscalwealth.com/ http://www.fiscalwealth.com/Art/271/264/Estate-Planning-Frequently-Asked-Questions.html 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 http://www.fiscalwealth.com/Art/271/264/Estate-Planning-Frequently-Asked-Questions.html http://www.fiscalwealth.com/Art/270/275/CDs-and-Money-Market-Funds.html One of the most important factors in purchasing your CD should be interest rate and you want to make sure you check both numbers – Annual Percentage Rate(APR) as well as Annual Percentage Yield(APY) Using APY is one of the way credit card company charge you lot more interest than what they quote you on the offer Most of the time APR is what is quoted and APY is what is charged http://www.fiscalwealth.com/Art/270/275/CDs-and-Money-Market-Funds.html http://www.fiscalwealth.com/Art/267/279/All-About-Exchange-Traded-Funds-ETF-Part-I.html ETFs or exchange-traded-funds are portfolios of stocks and/or bonds that offer greater transparency, lower fees and more tax efficiency than your regular mutual funds http://www.fiscalwealth.com/Art/267/279/All-About-Exchange-Traded-Funds-ETF-Part-I.html http://www.fiscalwealth.com/Art/269/300/Wealth-Protection-and-Transfer.html Wealth protection and transfer to your dependents is one of the critical piece is financial success One of the simplest piece of financial advice is to spend less than what you earn It may sound simple, but if you are not fully aware of how you spend money, you may be spending more than you realize One you have master this, rest is easy but you need to figure out some parameters to measure your success http://www.fiscalwealth.com/Art/269/300/Wealth-Protection-and-Transfer.html http://www.fiscalwealth.com/Art/268/279/All-About-Exchange-Traded-Funds-ETF-Part-II.html The biggest drawback for ETFs is transaction costs The only way to buy or sell an ETF is via a broker — and for fast-fingered traders, the costs can add up That's why fans of dollar-cost averaging might find ETFs to be a pricey endeavor If you're willing to handle the trading cost and manage your own online trading through a discount online broker, this may not be as big of an issue http://www.fiscalwealth.com/Art/268/279/All-About-Exchange-Traded-Funds-ETF-Part-II.html http://www.fiscalwealth.com/Art/266/265/Top-Tips-for-Fixed-Income-Investors.html There are many reasons to consider fixed-income investments One is that they add diversification to an investor's portfolio Fixed-income investment can provide a good balancing tool for your portfolio Fixed-income investments are securities that provide regular interest or dividend payments and, in many cases, a return of principal at maturity http://www.fiscalwealth.com/Art/266/265/Top-Tips-for-Fixed-Income-Investors.html http://www.fiscalwealth.com/Art/265/265/Fixed-Income-Strategies.html Fixed-income investments, in general, are "loanership" assets; investors loan their money to a government entity (e g , state), corporation, or financial institution (e g , bank, credit union) and receive interest on a regular basis (e g , monthly, semi-annually) http://www.fiscalwealth.com/Art/265/265/Fixed-Income-Strategies.html http://www.fiscalwealth.com/Art/264/270/Roth-IRA-Conversion-Opportunity-in-2010.html Starting in January 2010, anyone can convert their traditional IRA accounts to Roth IRA accounts In the past this conversion was based on the adjusted gross income(AGI) and most individuals with annual AGI were not allowed to convert to Roth IRA http://www.fiscalwealth.com/Art/264/270/Roth-IRA-Conversion-Opportunity-in-2010.html http://www.fiscalwealth.com/Art/262/297/Understanding-Your-FICO-Score-or-Credit-Score.html Credit score rating system is meant to develop a snapshot of the risk you currently represent to a lender Several parameters in your credit file, including length of credit history, number of open accounts, loans, mortgages, public records, and others are formulated to produce a three-digit score between about 300 and 950 http://www.fiscalwealth.com/Art/262/297/Understanding-Your-FICO-Score-or-Credit-Score.html http://www.fiscalwealth.com/Art/263/297/What-Factors-Affect-Your-Credit-Score.html Credit rating systems all have the same objective, to determine the borrower's potential risk Regardless of whether the score was generated by FICO or a system based on FICO parameters, they all yield an industry standard three-digit score This score places the borrower in one of three main categories - Prime, Sub Prime and at Risk http://www.fiscalwealth.com/Art/263/297/What-Factors-Affect-Your-Credit-Score.html