Financing Your Child's Education
<p>Did you know that a four year degree at a public university may cost upwards of $100,000 in 18 years? That's bad news for new parents who expect their kids to go to school, but fortunately it isn't that hard to save up the money needed for college if you start early. Time is on your site if you start early, but it becomes your enemy if you wait too long. So, here's <a href="http://clk.about.com/?zi=1/1hc&#038;zu=http://financialplan.about.com/od/savingforcollege/a/Financing-Your-Childs-Education.htm">how to finance your child's education</a>.</p><p style="background:#f5f3ef;border:1px solid #d5d0bf;clear:both;padding:.5em;"><a href="http://clk.about.com/?zi=1/1hc&#038;zu=http://financialplan.about.com/b/2012/04/30/financing-your-childs-education.htm">Financing Your Child's Education</a> originally appeared on <a href="http://clk.about.com/?zi=1/1hc&#038;zu=http://financialplan.about.com/">About.com Financial Planning</a> on Monday, April 30th, 2012 at 14:51:31.</p><p><a href="http://clk.about.com/?zi=1/1hc&#038;zu=http://financialplan.about.com/b/2012/04/30/financing-your-childs-education.htm">Permalink</a> | <a href="http://clk.about.com/?zi=1/1hc&#038;zu=http://financialplan.about.com/b/2012/04/30/financing-your-childs-education.htm#gB3">Comment</a> | <a href="http://financialplan.about.com/gi/pages/shareurl.htm?PG=http://financialplan.about.com/b/2012/04/30/financing-your-childs-education.htm&#038;zItl=Financing Your Child's Education">Email this</a></p>
Get Help Getting Out of Debt
<p>Credit card debt is one of the biggest problems most people face when trying to get a handle on their finances. Credit cards make it easy to spend more money than you have, and then the crippling interest rates and fees make it seem impossible to get out from under. While there isn't an instant cure for credit card debt, there are steps you can take to put yourself on a path to becoming debt free.</p> <p>It takes a little planning, a little budgeting, and some time, but if you keep at it you'll find that you're getting out of debt faster than you had imagined. <a href="http://clk.about.com/?zi=1/1hc&#038;zu=http://financialplan.about.com/od/creditdebtmanagement/qt/how-to-get-out-of-debt.htm">Here's the process to help you eliminate your credit card debt</a>.</p><p style="background:#f5f3ef;border:1px solid #d5d0bf;clear:both;padding:.5em;"><a href="http://clk.about.com/?zi=1/1hc&#038;zu=http://financialplan.about.com/b/2012/04/22/get-help-getting-out-of-debt.htm">Get Help Getting Out of Debt</a> originally appeared on <a href="http://clk.about.com/?zi=1/1hc&#038;zu=http://financialplan.about.com/">About.com Financial Planning</a> on Sunday, April 22nd, 2012 at 20:08:55.</p><p><a href="http://clk.about.com/?zi=1/1hc&#038;zu=http://financialplan.about.com/b/2012/04/22/get-help-getting-out-of-debt.htm">Permalink</a> | <a href="http://clk.about.com/?zi=1/1hc&#038;zu=http://financialplan.about.com/b/2012/04/22/get-help-getting-out-of-debt.htm#gB3">Comment</a> | <a href="http://financialplan.about.com/gi/pages/shareurl.htm?PG=http://financialplan.about.com/b/2012/04/22/get-help-getting-out-of-debt.htm&#038;zItl=Get Help Getting Out of Debt">Email this</a></p>
Mortgages for Military Personnel and Veterans
<p>Mortgage rates continue to sit at historic lows, and it's a good time to buy a home if you're in the market for one. One of the most difficult aspects of buying a home is dealing with the mortgage process. There are countless loan options and lenders, and finding the best deal can ultimately save you tens of thousands of dollars.</p> <p>Thankfully, the government steps in to help make the process a little easier for military personnel and veterans by offering a <a href="http://clk.about.com/?zi=1/1hc&#038;zu=https://www.vamortgage.com/va-mortgage-loans">VA home mortgage</a>. Those who qualify are: Veterans, active duty personnel, certain reservists and National Guard members, surviving spouses of persons who die on active duty or die as a result of service-connected disabilities, certain spouses of active duty personnel who are (a) missing in action, (b) captured in line of duty by a hostile force, or (c) forcibly detained by a foreign government or power.</p> <p>The VA loan program is relatively simple. You simply shop around through private lenders and once you provide eligibility, VA steps in to back the loan. What this means is if something happens and you find you are unable to make the payments, the lender can then turn to the VA for any losses that may occur. This type of insurance is what makes banks more willing to lend money since they know they are protected.</p> <p>There are also a number of other benefits of a <a href="http://clk.about.com/?zi=1/1hc&#038;zu=https://www.vamortgage.com/">VA mortgage</a>. You can often buy a home without a down payment as long as the appraised value doesn't come in below the sales price. This can be quite a help to those who might be returning home from deployment but may not have set aside the funds for a down payment yet. In addition, because these loans are "insured" by the VA you won't need to pay <a href="http://clk.about.com/?zi=1/1hc&#038;zu=http://financialplan.about.com/od/realestatemortgages/qt/Eliminate-PMI.htm">private mortgage insurance</a>, which can be a costly addition to any mortgage. Finally, there are also limits as to how much you can be charged for closing costs, and in some cases closing costs may be paid entirely by the seller.</p> <p>As you can see, there are a number of benefits available through a VA loan program. While the basics of buying a home still apply, there are certainly some added features and benefits that make buying a home with a VA mortgage a little more attractive.</p><p style="background:#f5f3ef;border:1px solid #d5d0bf;clear:both;padding:.5em;"><a href="http://clk.about.com/?zi=1/1hc&#038;zu=http://financialplan.about.com/b/2012/04/13/mortgages-for-military-personnel-and-veterans.htm">Mortgages for Military Personnel and Veterans</a> originally appeared on <a href="http://clk.about.com/?zi=1/1hc&#038;zu=http://financialplan.about.com/">About.com Financial Planning</a> on Friday, April 13th, 2012 at 11:26:31.</p><p><a href="http://clk.about.com/?zi=1/1hc&#038;zu=http://financialplan.about.com/b/2012/04/13/mortgages-for-military-personnel-and-veterans.htm">Permalink</a> | <a href="http://clk.about.com/?zi=1/1hc&#038;zu=http://financialplan.about.com/b/2012/04/13/mortgages-for-military-personnel-and-veterans.htm#gB3">Comment</a> | <a href="http://financialplan.about.com/gi/pages/shareurl.htm?PG=http://financialplan.about.com/b/2012/04/13/mortgages-for-military-personnel-and-veterans.htm&#038;zItl=Mortgages for Military Personnel and Veterans">Email this</a></p>
Where Do Your Social Security Taxes Go?
<p>If you work and earn income, you are probably aware of the Social Security taxes that come out of your paycheck. Social Security Taxes, otherwise known as FICA Tax (Federal Insurance Contributions Act) is paid by employees and employers to fund the Social Security and Medicare programs. Since a fairly large portion of your income goes towards this tax, it is important to understand where it actually goes, and what benefit it may provide to you.</p> <h3>Social Security</h3> <p>The bulk of your FICA Tax money goes into the Social Security program. To be exact, roughly 85 cents of each dollar goes toward Social Security. The money that current wage earners put into the program goes into various trust funds that pay the monthly benefits to current retirees, families, and surviving spouses and children of workers who have died. Costs associated with administering the plan come directly from the trusts.</p> <p>The administration claims that for each Social Security tax dollar you pay, less than one cent goes toward administration costs.</p> <h3>Medicare</h3> <p>The remainder of the FICA Tax money you pay, roughly 15 cents of each dollar, goes into the Medicare program. Like Social Security, the money paid by current wage earners goes into trust funds that pay for some hospital and medical care costs incurred by current Medicare beneficiaries.</p> <h3>Plan Ahead so You Don't Need to Rely Solely on Social Security</h3> <p>When you take a look at all of the money that you pay into Social Security to hopefully provide for old age retirement benefits and medical coverage, you better hope that you get every penny back and more. Well, if you still have some time yet until retirement, it is impossible to know what the future holds for these programs. The best thing you can do is to put some money aside for the future to supplement any benefits that you may receive. One way to do this is to open a <a href="http://clk.about.com/?zi=1/1hc&#038;zu=http://financialplan.about.com/od/retirementplanning/a/traditionalira.htm">Traditional IRA</a>. Not only will you save some money on taxes right now, but you'll have a nice stash of money to supplement your government benefits.</p><p style="background:#f5f3ef;border:1px solid #d5d0bf;clear:both;padding:.5em;"><a href="http://clk.about.com/?zi=1/1hc&#038;zu=http://financialplan.about.com/b/2012/04/08/where-do-your-social-security-taxes-go.htm">Where Do Your Social Security Taxes Go?</a> originally appeared on <a href="http://clk.about.com/?zi=1/1hc&#038;zu=http://financialplan.about.com/">About.com Financial Planning</a> on Sunday, April 8th, 2012 at 20:13:11.</p><p><a href="http://clk.about.com/?zi=1/1hc&#038;zu=http://financialplan.about.com/b/2012/04/08/where-do-your-social-security-taxes-go.htm">Permalink</a> | <a href="http://clk.about.com/?zi=1/1hc&#038;zu=http://financialplan.about.com/b/2012/04/08/where-do-your-social-security-taxes-go.htm#gB3">Comment</a> | <a href="http://financialplan.about.com/gi/pages/shareurl.htm?PG=http://financialplan.about.com/b/2012/04/08/where-do-your-social-security-taxes-go.htm&#038;zItl=Where Do Your Social Security Taxes Go?">Email this</a></p>
What to do With Your Tax Refund
<p>This is that time of year when you may be anticipating a beefy tax refund that could be anywhere from hundreds to thousands of dollars. The next question you may be asking is what to do with the money you get back from the IRS. You have a lot of options, and some are better than others. Here are a few ideas on <a href="http://clk.about.com/?zi=1/1hc&#038;zu=http://financialplan.about.com/od/taxplanning/a/Spending-Your-Tax-Refund.htm">how to spend your tax refund</a>.</p><p style="background:#f5f3ef;border:1px solid #d5d0bf;clear:both;padding:.5em;"><a href="http://clk.about.com/?zi=1/1hc&#038;zu=http://financialplan.about.com/b/2012/03/29/what-to-do-with-your-tax-refund.htm">What to do With Your Tax Refund</a> originally appeared on <a href="http://clk.about.com/?zi=1/1hc&#038;zu=http://financialplan.about.com/">About.com Financial Planning</a> on Thursday, March 29th, 2012 at 21:41:59.</p><p><a href="http://clk.about.com/?zi=1/1hc&#038;zu=http://financialplan.about.com/b/2012/03/29/what-to-do-with-your-tax-refund.htm">Permalink</a> | <a href="http://clk.about.com/?zi=1/1hc&#038;zu=http://financialplan.about.com/b/2012/03/29/what-to-do-with-your-tax-refund.htm#gB3">Comment</a> | <a href="http://financialplan.about.com/gi/pages/shareurl.htm?PG=http://financialplan.about.com/b/2012/03/29/what-to-do-with-your-tax-refund.htm&#038;zItl=What to do With Your Tax Refund">Email this</a></p>


because it's designed to stick fast in effective throughout your life. The vague idea was that you might acquire killed while you were flashing all the bucks you made on your last excursion, to the thugs that hung out at the rumshops along by the wharf and if you survived that, it would be time for your proximate trek across the Atlantic. Then at length the actuaries blueprinted out a ability to give you with a level premium year after year and if you mash the odds and didn't go down at sea, complete knocked off in a beer parlor, run over by the fire brigade, of come down with some dreadful disease - social or otherwise, they'd give you some, all, or more of your currency back. As you can see, life insurance is a risk management cleaver available to protect against wasting of life, yours. Which life insurance Had best you own? Which is more and more or less expensive - how do you define expensive anyway - permanent or term? Most people lust after permanent life insurance because it is contracted to provide defense for your entire life, and information teaches us that as we move through life - needs change but they never go away. Life insurance to protect the young great-grandchildren morphs into life insurance to pay the mortgage on your second home or to guarantee your son's and daughter's graduate school (in case they don't make it in pro ball). The need for life insurance continues as a layout to guarantee your grandchildren's education, which later becomes a requirement for life insurance to subsidize funds set aside for your retirement. And then there are all those pesky "terminal expenses" - paying for the things you committed yourself to, when you thought you would live eternally. With level premiums and the accumulation of cash values, whole life insurance is a good choice for long while-range objectives. Don't lay hold of me wrong I am not putting down term life insurance. It gives you the bulwark you eagerness on the dot and cheaply (in terms of the do-re-mi you spend for it today). It offers the most affordable life insurance coverage for your sons. And isn't this why you take care of life insurance in the first place? Plus term insurance, which you can by for almost nothing online, and permanent life insurance that, in my opinion, requires that you have a close personal relationship with a trained and experienced life insurance general agent - there are all sorts of hybrids. For example universal Life insurance, a realignment of Whole Life offering more flexibility while providing a permanent death benefit to those who depend on you. Or variable universal life, a form of silver-values insurance with even greater flexibility over time. So, depending on your needs you may choose a term, universal, variable universal, whole life or warranted issue life insurance policy. With all these deviations you will be able to find a collaboration of coverages that suits your personal circumstances. Life insurance is a long time-term commitment, but so are your responsibilities to your progeny and your business. Life insurance brings cash TO your heirs and business so YOU can keep the promises you made. How much and what manner of life insurance do you demand for? What is right and proper for you today? How can you form an estimate that out on your own - so you won't fall prey to sales people who are preferring on the mark at selling what they have than you are at buying what you need? That's why we collected three hundred or so articles about life insurance. We organized that the more and more you know the exceptional decisions you are likely to make. Just remember, Knowing is a good thing, but Knowing isn't doing. At the end of the day what you do with what you Know is all that really matters.


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