Articles

Even before your children can count, they already know something about money: it’s what you have to give the ice cream man to get a cone, or put in the slot to ride the rocket ship at the grocery store. So, as soon as your children begin to handle money, start teaching them how to...
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FMP Wealth Advisers Review by AdvisoryHQ[1] With locations in Austin and Beaumont, Texas and Lake Charles, Louisiana, FMP Wealth Advisers has been providing personal wealth management services since 1987. They also have the distinction of being one of the first fee-only financial advisory firms. As one of the best fee-only financial planners in Austin, FMP employs a...
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If you don’t want the money, you can always disclaim (refuse to accept) the inherited IRA or plan funds. But if you’re like most people, you will want the money. Your first thought may be to take a lump-sum distribution, but that’s usually not the best idea. Although a lump sum provides you with cash...
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There’s no doubt about it — going through a divorce can be an emotionally trying time. Ironing out a divorce settlement, attending various court hearings, and dealing with competing attorneys can all weigh heavily on the parties involved. In addition to the emotional impact a divorce can have, it’s important to be aware of how...
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If your income hits a certain level, you may face an additional wrinkle in calculating your taxes: the net investment income tax (also referred to as the unearned income Medicare contribution tax). This 3.8% Medicare tax applies to some or all of your net investment income if your modified adjusted gross income (MAGI) exceeds certain...
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If you’re retired or close to retiring, then you’ve probably got nothing to worry about — your Social Security benefits will likely be paid to you in the amount you’ve planned on (at least that’s what most of the politicians say). But what about the rest of us? The media onslaught Watching the news, listening...
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My family still gets a good laugh from the story of me asking how to tell which one was the dryer.  My beloved Aunt Polly responded with the perfect gift—a laundry basket, detergent, two rolls of quarters, and a diagram!  It saved my life, and thanks to my wife my son is already ahead of...
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Three things Generation X needs to focus on to retire successfully: A recent survey from the Transamerica Center for Retirement Studies found that Gen X Americans are more likely than baby boomers and millennials to indicate they “may never recover” or have “not yet begun to recover” from the Great Recession. At the same time,...
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How important is your credit history?  It can be critical if you are needing a mortgage, buying a car, applying for insurance, renting an apartment or house, or even when you are applying for a job. Sometimes even having no credit history can be a big barrier to obtaining a loan. An important step in building...
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