financial planning library

 

Saving for college, investing in the stock market, online trading, mutual funds for many, these topics are overwhelming. No worries. We'll give you accurate, easy-to-understand information in the Financial Planning section.

Featured Article:  How Estate Sales Work

When you clean out your closet, you may donate items to charity or raise some extra cash with a garage sale. But what do you do when you have to clean out an entire house? An estate sale may be the answer you're looking for. See more »

How Investment Diversification Works

How Investment Diversification Works

Investing may seem complicated, but there are ways to build your portfolio while minimizing risk. What's the best plan for diversifying your investments?

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How Investment Scams Work

How Investment Scams Work

Investment scams are popular fraud among con artists and can take the form of everything from a too-good-to-be true stock investment to the notorious Nigerian bank account e-mail scheme. So what it is about these cons that have us going against our better judgment? And what does it say about our own capacity for greed?

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How Junk Bonds Work

How Junk Bonds Work

Cash-strapped companies sometimes ask investors for a loan in the form of a junk bond. Should you include this dubiously named security in your portfolio?

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How Keogh Retirement Plans Work

How Keogh Retirement Plans Work

Working for yourself is challenging and sometimes daunting, but it's the single best decision that you ever made. And being the boss gives you substantial control when choosing a retirement strategy, which may include a Keogh retirement plan.

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How Life Insurance Works

How Life Insurance Works

Life insurance is associated with pushy salespeople and other unpleasant stuff -- like dying. But how will your children make do if you should die unexpectedly?

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How Limited Term Trusts Work

How Limited Term Trusts Work

Trust funds aren't just for rich kids, although this concept dates back thousands of years. Limited-term trusts can protect your assets from lawsuits and other threats. It's all up to you.

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How Municipal Bonds Work

How Municipal Bonds Work

If your fantasy is to be a hotshot investor, municipal bonds may give you the chance. These tax-free securities help towns and cities build sports complexes, hospitals, bridges and more.

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How Online Trading Works

How Online Trading Works

The market may have become more accessible, but that doesn't mean you should take online trading lightly. In this article, we'll look at the different types of online trading accounts, as well as how to choose an online brokerage, make trades and protect

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How Precious Metals Mutual Funds Work

How Precious Metals Mutual Funds Work

There's more to gold and platinum than just bling-bling. These and other precious metals can be alternative investments that put ching-ching in your pockets in the long run through a precious metals mutual fund.

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How Prenuptial Agreements Work

How Prenuptial Agreements Work

Most engaged couples believe that their marriage will last "until death do us part." But with two out of every five marriages resulting in divorce, some couples decide that the best way to be prepared for any eventuality is to draw up a prenuptial agreement.

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How Privacy Trusts Work

How Privacy Trusts Work

With so much information available online through public records, almost anyone can find out your personal information like your home's floor plan and where your children go to school. Privacy trusts can shield your information.

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How Roth IRAs Work

How Roth IRAs Work

What's the rave about Roth IRA? How much money do I need to open an IRA? When can I open a Roth IRA?

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How Social Security Works

How Social Security Works

Most Americans are paying in -- will Social Security be paying out? Learn about the wide-reaching Social Security system and about the various propositions on the table for ensuring future stability.

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How Stock Futures Work

How Stock Futures Work

When you buy a stock future, you're not actually buying shares of stock. Instead, you're making a contract to buy or sell shares on a certain date in the future.

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How Stock Market Trends Work

How Stock Market Trends Work

What goes up most come down. But how much do war, crime and inflation factor into stock market performance -- and is it all psychological? So how can you ride the bull and tame the bear?

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How Stocks and the Stock Market Work

How Stocks and the Stock Market Work

You probably hear about the stock market all the time. Have you ever wondered how this huge chunk of the financial world operates?

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How Tax Free Mutual Funds Work

How Tax Free Mutual Funds Work

Tax-free mutual funds are a good investment option for conservative investors, since they have very little risk. Investors save money on taxes and can also easily convert shares into cash.

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How to Determine Your Net Worth

How to Determine Your Net Worth

You're worth your weight in gold, even though you may not have the cash to show for it yet. But what you can get right now is your net worth.

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How to Retire Early

How to Retire Early

If you're considering early retirement, you need to assess your financial plan while you're young. Early retirement is possible, but you'll probably have to adopt a frugal lifestyle now.

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How to Start Investing

How to Start Investing

You can start investing even with a modest income. There's no need to keep procrastinating until the time is right. As little as $25 a month could get you closer to the life you dream of.

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