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Cash Flow Management

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March 5, 2014
What is Cash Flow Management?   Every successful business relies on a financial system to carefully control income and expenses.  A business must have a system to know its present financial status, and more important, planning for its future financial moves.  A corporation cannot place a $40,000 inventory order unless its controller knows next month’s receipts will cover the order. Your personal financial planning is comparable to that of a business.  Both have concerns for profit, income and expenses, and spending decisions affected by anticipated circumstances.  Consequently, personal cash flow management is designed to handle your financial situation like a business, and ... Read More

Planning to Retire Wisely

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February 27, 2014
Some people retire by choice. Others do so involuntarily, often as a result of corporate restructuring or downsizing that has cut the ranks of middle management over the past years. Even if a person does not intend to retire early, or is only in their twenties, planning for retirement should begin now. The sooner it is initiated, the easier it will be, regardless of whom decides when it is time to retire. Pretend someone you know has just retired. Consider how he or she will live the rest of their life. Where and how will he/she live? This exercise can help ... Read More

Life Insurance Overview

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February 22, 2014
Most people think of life insurance in terms of death benefit protection.  However, today’s policies also provide the vehicles for meeting other goals, such as saving for retirement and education, paying estate taxes and providing liquidity. An added bonus of these policies is that most goals can be achieved on a tax-free or tax-deferred basis.  In effect, life insurance is one of the few remaining tax shelters available. Using a life insurance specialist will help to explain all of the benefits. Years ago, life insurance purchases were made almost entirely by men to protect their families.  Now, women too, are significant breadwinners, ... Read More

Long Term Care Insurance Needs

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February 17, 2014
As people grow older, they should begin to make plans for later years.  It is important to think about retirement and those activities you would like to pursue.  It is important also to think about the possibility that, at some time, you or a loved one might require some help with ordinary everyday activities or need care over an extended period. Usually, when people think of long term care, they think of nursing homes.  It means more than nursing home care.  It also means, for example, home health, personal care or help with chores.  However, many people have limited financial resources ... Read More