tag:blogger.com,1999:blog-48924831559004937462024-03-06T11:59:35.652-08:00The Money Doctor blogThe Money Doctorhttp://www.blogger.com/profile/02241439951543868971noreply@blogger.comBlogger52125tag:blogger.com,1999:blog-4892483155900493746.post-30227182624729640732015-08-27T08:50:00.002-07:002015-08-27T08:50:31.417-07:00Think Twice Before Giving Up Part of Your Pension<div class="MsoNormal">
For most workers, pensions are a thing of the past. The days
when a company would provide you with a lifelong retirement income based on
your years of service is rapidly becoming a relic of the 20<sup>th</sup>
century.<o:p></o:p></div>
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However, there are still millions of workers nationwide who
retire with a “guaranteed” monthly income, especially among government
employees and many union members. (The pension “guarantee” is not as reliable
as it once was as some state governments in recent years cut retirees’ pensions
to help balance budgets.)<o:p></o:p></div>
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For those who do include a pension as part of their
retirement income portfolio, an important decision must be made: whether or not
to forfeit part of your pension earnings for the remainder of your life in
order to leave money to your beneficiary or spouse after your demise.<o:p></o:p></div>
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It’s a decision that comes with some risk. If you reduce
your pension payments for the purpose of providing an income for your
beneficiary (or multiple beneficiaries) you accept the risk that they may
predecease you. In the event that happens, you will have given up part of your
pension for naught.<o:p></o:p></div>
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Once you make this decision it is permanent and cannot be
changed.<o:p></o:p></div>
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Before you make a decision that could potentially leave a
lot of money on the table, you might want to give some thought to other
creative solutions that could achieve the desired results without as much risk.<o:p></o:p></div>
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For example, if you are relatively or very healthy, you
might consider purchasing a life insurance policy instead of forfeiting part of
your pension. A life insurance policy can be designed with flexibility, to
either provide beneficiaries with an ongoing income after your death or a bulk
death benefit payout.<o:p></o:p></div>
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In nearly all cases, the premium amount you will pay for a
life insurance policy is less that the amount you would sacrifice from your
pension every month.<o:p></o:p></div>
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One recent example comes to mind. A 62-year-old client of
mine was considering giving up more than $300 per month from her pension in order
to provide her beneficiaries with 50 percent of the pension. Instead, together we
found a life insurance policy that will provide for her beneficiaries at her
desired level for one-third the amount she would have paid—approximately $100 a
month. <o:p></o:p></div>
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In addition, the life insurance payout will be tax-free and
will not be subject to probate court process. And she can change her
beneficiaries at any time.<o:p></o:p></div>
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Best of all, she gets to keep her entire pension, but with
the knowledge that her beneficiaries will receive a tax-free income after she
is gone.<o:p></o:p></div>
The Money Doctorhttp://www.blogger.com/profile/02241439951543868971noreply@blogger.com0tag:blogger.com,1999:blog-4892483155900493746.post-59968716227498904392015-08-20T12:55:00.000-07:002015-08-20T12:55:00.100-07:00Less Cherry-picking, More Information<div class="MsoNormal" style="background: white; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;">
<span style="color: #333333; mso-bidi-font-family: Courier;">Many
people do not realize how much of an impact on our lives that daily spending
habits have. How we spend our money on a day-in-day-out basis affects our
psychology and mental health, adding or alleviating stress and worry, peace of
mind and general enjoyment of life.<o:p></o:p></span></div>
<div class="MsoNormal" style="background: white; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;">
<br /></div>
<div class="MsoNormal" style="background: white; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;">
<span style="color: #333333; mso-bidi-font-family: Courier;">And
yet, given this sizable impact that daily spending has on our lives, it’s
amazing how many people tool along spending money without a single thought
about budgeting. <o:p></o:p></span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgW1d1TtRBKYgnQu3gzcE3VCOlney-NTK2eOJALKHl1UkmoRKDVbJWxytoFH8anneTc83dzAvqYJv1nIQfoyYihY67ZkhmNJwhc5lo7s7W2qEVj94YbqY3eFKf2xJHvWON7jd1oA09Qwb8/s1600/cherry.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="213" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgW1d1TtRBKYgnQu3gzcE3VCOlney-NTK2eOJALKHl1UkmoRKDVbJWxytoFH8anneTc83dzAvqYJv1nIQfoyYihY67ZkhmNJwhc5lo7s7W2qEVj94YbqY3eFKf2xJHvWON7jd1oA09Qwb8/s320/cherry.jpg" width="320" /></a></div>
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<span style="color: #333333; mso-bidi-font-family: Courier;">I
know, budget is a scary word for some people, boring to others, and has arduous
connotations for many. But a simple household budget does not have to be a
complicated process and could pay off in significant ways. After all, a budget
is nothing more than a chart of data that can guide and inform spending habits.<o:p></o:p></span></div>
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<span style="color: #333333; mso-bidi-font-family: Courier;">The
number one error many people make when formulating a spending plan is
cherry-picking certain expenses to cut, as if this one or that one is causing
the budget shortfalls. Not enough money at the end of the month? Cancel the
sports package from the cable television bill. Unable to pay all your bills?
Eliminate luxuries like dining out or shopping for clothes.<o:p></o:p></span></div>
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<span style="color: #333333; mso-bidi-font-family: Courier;">A
solid spending plan is more complex. The first step in gaining control of your
finances should be gathering information, not cherry-picking expenses you can
cut.<o:p></o:p></span></div>
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<span style="color: #333333; mso-bidi-font-family: Courier;">Such
cherry-picking is the first line of thinking for many families and individuals,
and it’s a mistake. It’s likely not the sports package that got you into
financial trouble and cutting it will probably not solve the problem
sufficiently. But for some folks, a good financial plan is like a diet or a
fitness plan—<i style="mso-bidi-font-style: normal;">no pain, no gain. </i>I’ve
seen too many clients try this approach, and they may be able to hold the
spending line for a while but only end up bingeing on a large expense
eventually, taking on more debt.<i style="mso-bidi-font-style: normal;"> <o:p></o:p></i></span></div>
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<span style="color: #333333; mso-bidi-font-family: Courier;">As a
financial coach, I've been helping people build successful budgets for more
than 25 years. It all boils down to <b style="mso-bidi-font-weight: normal;">three
basic steps</b>:<span style="mso-spacerun: yes;"> </span></span></div>
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<ol>
<li><span style="color: #333333; text-indent: -0.25in;">Track exactly what you're
spending for at least 30 days, preferably 60 days. Collect receipts for every
penny you spend, even if it’s for a candy bar. Once you have that information,
chart it out in categories like food, utilities, entertainment, etc., and
compare it with your total sources of income.</span></li>
<li><span style="color: #333333; text-indent: -0.25in;">Think about creative ways to
increase your income—start a part-time business, perhaps, do some consulting,
buy and sell items, or request a raise.</span></li>
<li><span style="color: #333333; text-indent: -0.25in;">Look for ways to trim the
budget. Now, armed with a full picture of your spending, it may be time to find
sources for savings. Some examples: use coupons for retail purchases, eliminate
your landline, carpool or bike to work, review your insurance policies, install
solar panels, cut back on soda and drink more water. Ideally, find ways to cut
costs while improving your health or standard of living; these types of win-win
changes in your budget are usually the most successful and likely to endure.</span><span style="color: #333333; text-indent: -0.25in;"> </span></li>
</ol>
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<span style="color: #333333; mso-bidi-font-family: Courier;">Importantly,
once you've gathered your data and designed a budget, don't regard it as a
structured box you must live in no matter what. A budget is a work-in-progress,
always subject to revision. Allow flexibility and wiggle-room. Treat yourself
now and then (just make sure it’s only an occasional treat!), even if it
doesn’t always fit perfectly within your budget. <o:p></o:p></span></div>
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<span style="color: #333333; mso-bidi-font-family: Courier;">How
we spend our money has enormous long-term effects and makes a substantial
difference in how much debt we carry for how long, the growth of our savings
and investment accounts, and our ability to plan for the future.<o:p></o:p></span></div>
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<span style="color: #333333; mso-bidi-font-family: Courier;">I
hear comments almost every day from clients caught up in constant financial
shortfall. “I make enough money,” they might say, “but I don’t know where it
goes.” Or “I don’t do anything expensive, I don’t go out, I don’t spend money
foolishly, I should have enough.”<o:p></o:p></span></div>
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<span style="color: #333333; mso-bidi-font-family: Courier;">That
is the logical result of living without a household operating budget. Shadow
expenses—catching a movie, perhaps, or a quick dash into the market on the way
home for bread and milk, a stop by the hardware store for a new door fixture—are
not considered. By the end of the pay cycle, before another payday has arrived,
you find yourself running short but don’t understand why.<o:p></o:p></span></div>
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<span style="color: #333333; mso-bidi-font-family: Courier;">Discipline
is not about feeling guilty over our spending habits and punishing ourselves by
removing things we enjoy. Rather, discipline is about taking the time to get a
clear picture of what you spend, what you make, and how best to make them
coincide comfortably over time. <o:p></o:p></span></div>
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<span style="color: #333333; mso-bidi-font-family: Courier;">Money
should be enjoyed. The best way to enjoy spending money without causing undue
stress is to create a solid, realistic spending plan, full of information, not
cherry-picking.<o:p></o:p></span></div>
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The Money Doctorhttp://www.blogger.com/profile/02241439951543868971noreply@blogger.com0tag:blogger.com,1999:blog-4892483155900493746.post-57082878575568728242015-08-13T12:49:00.000-07:002015-08-19T12:50:41.307-07:00Should You Make Bi-Weekly Mortgage Payments?<div class="MsoNormal">
There is one simple and effective way, in theory, to save a
lot of money over time on your mortgage: make bi-weekly payments.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Paying your mortgage bi-weekly—that is, making 26 half-payments
a year (52 weeks divided by 2) instead of 12 full monthly payments—is like
making an extra payment on the principal balance every year. <o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhzoAlX-lBeQp2r8iNJxvZDAFmCyNfxEptqJxs55FeNyf5MkVipC4SOs5_g79TJoJCO5kSOKcqI7xMwKvKYmh_x-EER9ho5PFf81MLAf9mEfIlAPkhkgkWfD7cn7LCNOabCnv5u1lAurCc/s1600/suburbanHome.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="203" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhzoAlX-lBeQp2r8iNJxvZDAFmCyNfxEptqJxs55FeNyf5MkVipC4SOs5_g79TJoJCO5kSOKcqI7xMwKvKYmh_x-EER9ho5PFf81MLAf9mEfIlAPkhkgkWfD7cn7LCNOabCnv5u1lAurCc/s320/suburbanHome.jpg" width="320" /></a></div>
<div class="MsoNormal">
Over time, that additional payment on principal can add up
to substantial savings on interest.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Consider: for a 30-year fixed-rate loan at 4.5 percent
interest, you could cut the payoff date down to 25 ½ years and save more than
$13,000 in interest for every $100,000 of principal by making regular bi-weekly
payments from the beginning of the loan.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Bi-weekly mortgage payments can yield so much savings that
there are numerous third-party companies that provide a service of processing
regular bi-weekly mortgage payments for homeowners. <o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Be very wary, however, in signing up for this type of
service. It’s possible and may be most beneficial to simply handle the
bi-weekly payments yourself, directly to your mortgage-holder. <o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
If you opt to do it yourself, be sure to contact your bank
first to find out if they accept bi-weekly payments. Many do not, and if they
don’t your bi-weekly half-payments may result in a steep late fee. Banks that
do not offer a bi-weekly payment plan will likely hold the first half-payment
until the second half-payment is received, then apply the two payments to
principal and interest as they would with a single full payment, yielding no
advantage.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
If you decide to make bi-weekly mortgage payments yourself,
be absolutely certain to note that the extra amount resulting from your
bi-weekly payments is to be applied to the principal, by either including a
note stating that request or using a payment coupon from the bank and writing
in the additional principal payment amount on the designated line.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
If your bank does not accept bi-weekly payments, you could
still jump ahead on the payoff schedule by making a lump sum extra payment
periodically (perhaps quarterly or bi-annually), when finances are available.
Again, be sure to clearly state that these payments are to be applied to
principal.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
If you consider working with a bill-paying company to
administer your bi-weekly payments, do a thorough examination into the company,
the contract, fine print and fee structure. <o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Most of these companies will charge small monthly fees for
providing the payment service and it may not be worth it. Others might charge a
hefty up-front fee to sign up for the service.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
One such company recently came to my notice. This company
charges $181 to enroll their clients in the bi-weekly payment plan, plus $3.50
for every debit they make—in this case, 26 times per year. That monthly fee
alone adds up to $91 a year for a service that you could easily manage
yourself.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
And who needs to pay more fees on their mortgage in addition
to those already being paid?<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Of course, in order to make bi-weekly payments it has to
make sense for your budget. If funds are limited and bi-weekly payments would
cause budgetary shortfalls in meeting other living expenses, it makes no sense.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Still, even if that applies to you there are solid
debt-management plans—such as the <a href="http://powerdowndebt.com/" target="_blank">PowerDownDebt</a> system—that can substantially
reduce the time it takes to pay off your mortgage and other debt while keeping
your monthly budget within your comfort zone—with or without bi-weekly mortgage
payments.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
For new home buyers or those considering buying property,
now may be an advantageous time to consider bi-weekly payments, as interest
rates on mortgages are expected to climb at least slightly over the next year
or so. Higher interest rates means you save even more by paying off early (as
long as there is no early payoff penalties).<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
In theory, bi-weekly mortgage payments make a lot of sense.
Unfortunately, banks treat bi-weekly payments differently and in many cases
such a plan will not yield any benefit. <o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
If you are considering implementing bi-weekly mortgage
payments, you may want to consult with a debt or credit counselor first, to
determine specific benefits and the best way to go about it. <o:p></o:p></div>
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The Money Doctorhttp://www.blogger.com/profile/02241439951543868971noreply@blogger.com0tag:blogger.com,1999:blog-4892483155900493746.post-10769702278316653982015-07-30T12:34:00.000-07:002015-08-19T12:35:52.491-07:00401-Krime: Step Away from that Retirement Account<div class="MsoNormal">
I don’t know anyone who likes having heavy credit card debt.
It hangs over consumers like a dark cloud affecting every spending decision
they make and causing constant stress.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
And it’s even worse if the credit card kicks in a high
interest rate, which they commonly do. Consumers often end up paying between 19
and 29 percent interest on the balance. At those rates it can be difficult to
ever pay it off.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgziDnZtBh5LG5QtGUxIgeG1CI_lMiVv25VDtyMhlhn8Pk7zg6fKlS6ydTMV037qKchQqSdTcxuXnuPG5ysl1WnLT9hh_iVEpuvytIE4bsAl8FYBxVvKiD1Qm58BNM5htr5xEgaX09av_E/s1600/nestegg.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="212" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgziDnZtBh5LG5QtGUxIgeG1CI_lMiVv25VDtyMhlhn8Pk7zg6fKlS6ydTMV037qKchQqSdTcxuXnuPG5ysl1WnLT9hh_iVEpuvytIE4bsAl8FYBxVvKiD1Qm58BNM5htr5xEgaX09av_E/s320/nestegg.jpg" width="320" /></a></div>
<div class="MsoNormal" style="text-align: left;">
It’s no wonder that some people consider tapping their retirement
accounts—such as a 401(k), 403(b), IRA or similar version—to pay off their
expensive credit cards. <o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
To some it’s a logical decision: you’re thousands of dollars
in debt, paying astronomical interest rates on the balance, barely able to make
the minimum monthly payment and looking at carrying debt forever. Yet, there
sits a retirement account with ample funds that could easily cover the credit
card balance.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
It’s tempting: use those retirement funds to pay off those
credit cards and be done with them once and for all.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
But it may be a mistake, and in many cases it doesn’t work. <o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Withdrawing money from your retirement account can be costly
and paying off your debt may not actually reduce monthly payments by enough to
solve the problem. As a result you could end up worse off for having used
retirement funds and not solving the problem.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
When you withdraw money from your retirement account you are
losing much more than just the amount you take out. For one thing, by reducing
the amount of that account you are losing valuable purchasing power and
forfeiting all the interest that money would have earned over the years. That
can be a substantial amount. <o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
And if you withdraw before you are eligible (at age 59 ½
with some exceptions), you are likely to receive 30 percent less after
penalties and taxes.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
That’s right: be sure to consider the tax burden that early
retirement fund withdrawal will incur. Unless you have a Roth IRA, regular
income taxes will be assessed on all retirement fund withdrawals.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Of course, there may be some legitimate reasons and
scenarios in which it is prudent to make early retirement fund withdrawals. <o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Often, for people who lose their job for various reasons,
the retirement fund comes on the table as a consideration of living income. And
in some cases, retirement funds may offer a loan option, such as for first-time
homebuyers, in which you borrow from your fund (borrowing from yourself, in
effect) and pay it back over time.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
But because there is likely a heavy penalty, taking money
out of your retirement fund should be considered a last resort, reserved for
emergencies.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
There are better solutions for people carrying high-interest
credit card balances and they don’t involve bankruptcy, debt settlement or
consolidation. <o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Of course every situation is different and no single debt
solution applies to all consumers. But a good place to start is a consultation
with a debt or credit counselor, of which there is a large variety available. <o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
A reputable debt counselor can help you devise a realistic
plan for paying off your credit card and other debt without resorting to dire
measures, as well as assisting with a solid budget and savings strategies to
avoid unnecessary debt in the future.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
For advice and information on finding a credit counselor,
you might check the Federal Trade Commission website, <a href="http://www.ftc.gov/">www.ftc.gov</a>. <o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
When seeking out debt or credit counseling, whenever
possible try to find someone local or within your area so that you can meet in
person. And be sure to shop around. In the world of debt counseling there are a
lot of scams looking to prey on the vulnerable.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
At the very least, be sure to consult with a debt counselor
before touching that retirement account. With most debt counseling services—including
<a href="http://powerdowndebt.com/" target="_blank">PowerDownDebt</a>—the first consultation is free.<o:p></o:p></div>
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The Money Doctorhttp://www.blogger.com/profile/02241439951543868971noreply@blogger.com0tag:blogger.com,1999:blog-4892483155900493746.post-4936901622226322512015-07-17T08:16:00.001-07:002015-07-17T08:18:12.546-07:00Is a Timeshare the Right Fit for You?<h2>
<b>Is a Timeshare Right for You?</b></h2>
<h3>
<b>by Frances Rahaim, Ph.D.</b><b>aka "The Money Doctor"</b></h3>
It’s
no wonder the timeshares industry has become one of the biggest tourism
businesses in the world since the concept was invented in the mid-1960s.<br />
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<span style="color: #333333; mso-bidi-font-family: Courier;">A
timeshare can provide an affordable, attractive, dependable vacation option for
families and individuals looking for a home-away-from-home without spending a
fortune.<o:p></o:p></span></div>
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<span style="color: #333333; mso-bidi-font-family: Courier;">Americans
love their timeshares, and with thousands of resorts across the nation
Americans account for more than half of timeshare owners worldwide. <o:p></o:p></span></div>
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<span style="color: #333333; mso-bidi-font-family: Courier;">A
timeshare offers vacationers a guaranteed accommodation, which they can visit
year after year without worrying about upkeep and maintenance. And depending on
the type of timeshare, owners may be able to trade times and locations with
others, to travel to new places. Also depending on the timeshare contract,
owners may let their family members and friends use their unit.<o:p></o:p></span></div>
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<span style="color: #333333; mso-bidi-font-family: Courier;">But
a timeshare is definitely not for everyone. For those who prefer variety in
their getaways—i.e. a camping trip here, a road trip there, the occasional
cruise—a timeshare may not be the smartest purchase.<o:p></o:p></span></div>
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<span style="color: #333333; mso-bidi-font-family: Courier;">There
are two types of timeshare ownerships: <o:p></o:p></span></div>
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<div class="MsoListParagraphCxSpFirst" style="background: white; mso-list: l1 level1 lfo1; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt; text-indent: -.25in;">
<!--[if !supportLists]--><span style="color: #333333; mso-bidi-font-family: Cambria; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Cambria; mso-fareast-theme-font: minor-latin;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><!--[endif]--><span style="color: #333333; mso-bidi-font-family: Courier;">A deeded timeshare ownership<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="background: white; mso-list: l1 level1 lfo1; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt; text-indent: -.25in;">
<!--[if !supportLists]--><span style="color: #333333; mso-bidi-font-family: Cambria; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Cambria; mso-fareast-theme-font: minor-latin;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><!--[endif]--><span style="color: #333333; mso-bidi-font-family: Courier;">A “Right to Use” vacation
interval option<o:p></o:p></span></div>
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<span style="color: #333333; mso-bidi-font-family: Courier;">A
deeded ownership is the original timeshare model, and began in France around
1964. A deeded ownership is a purchase of real property, like buying a house,
except that the use of that property is restricted to a certain time (typically
one week), the same time each year. In the early 1970s, deeded timeshares
exploded in the United States with resorts first opening in Hawaii then quickly
moving to the mainland beginning in Florida. <o:p></o:p></span></div>
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<span style="color: #333333; mso-bidi-font-family: Courier;">In
the mid-1970s, a company called Resort Condominiums International introduced
the concept of “Right to Use” ownership, in which owners purchase the use of a
vacation unit rather than the actual property. This allows owners a variety of
locations and trade options with other owners. <o:p></o:p></span></div>
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<span style="color: #333333; mso-bidi-font-family: Courier;">Deeded
timeshares are considered real property, subject to real estate tax. That is,
you own a piece of property like a condominium for a fixed period each year.
Vacation interval ownership is considered personal property, but there is no
ownership of an actual piece of property—rather you are buying the right to use
a prearranged condo unit for an agreed-upon period each year.<o:p></o:p></span></div>
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<span style="color: #333333; mso-bidi-font-family: Courier;">In
buying either a deeded timeshare or a vacation interval option, beware of
annual maintenance costs, which may be hiked every year, according to the
Federal Trade Commission, at rates equal to or higher than inflation.
Maintenance fees typically run more than $600 a year on average. <o:p></o:p></span></div>
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<span style="color: #333333; mso-bidi-font-family: Courier;">If
you are considering buying a timeshare, here are a few things to be aware of:<o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="color: #333333; font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]--><b style="mso-bidi-font-weight: normal;"><span style="color: #333333; mso-bidi-font-family: Courier;">Do not consider a timeshare
purchase an investment.</span></b><span style="color: #333333; mso-bidi-font-family: Courier;"> Some sales people may pitch it that way, but the truth is
timeshares are not easy to sell and used units are usually sold for less than
the purchase price. “Don’t assume you’ll recoup your purchase price for your
timeshare,” warns the FTC, “especially if you owned it less than fives years
and the location is less than well-known.” <o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="color: #333333; font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]--><b style="mso-bidi-font-weight: normal;"><span style="color: #333333; mso-bidi-font-family: Courier;">Make sure you consider the
total cost, </span></b><span style="color: #333333; mso-bidi-font-family: Courier;">including
travel costs to and from your timeshare, annual maintenance fees, taxes,
closing costs, broker commissions and finance charges. (If possible, try to
avoid borrowing to buy a timeshare, especially at high rates offered by a
resort or developer.)<o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="color: #333333; font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]--><b style="mso-bidi-font-weight: normal;"><span style="color: #333333; mso-bidi-font-family: Courier;">Do not purchase under
pressure. </span></b><span style="color: #333333; mso-bidi-font-family: Courier;">Unfortunately,
many timeshare contracts are signed during high-pressure sales sessions
required as part of a resort-financed vacation or hotel stay. Insist on a right
to rescission in your purchase contract, at least for a period of time. Also,
be sure to receive <i style="mso-bidi-font-style: normal;">in writing </i>any
promises made by sales people.<o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="color: #333333; font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]--><b style="mso-bidi-font-weight: normal;"><span style="color: #333333; mso-bidi-font-family: Courier;">Do not buy without first
researching and visiting your condominium unit. </span></b><span style="color: #333333; mso-bidi-font-family: Courier;">Many sales pitches feature
an appealing slideshow or video of the timeshare unit. Insist on seeing the
unit before purchasing. Ask local real estate agents about the timeshare
program or resort. Check with the attorney general, the Better Business Bureau
or other consumer protection agencies for any complaints about the sellers.<o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="color: #333333; font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]--><b style="mso-bidi-font-weight: normal;"><span style="color: #333333; mso-bidi-font-family: Courier;">Compare, compare, compare. </span></b><span style="color: #333333; mso-bidi-font-family: Courier;">As with any large purchase,
be sure to contrast the unit you’re considering with other timeshares, and
against the cost of renting a similar unit in the same location at the same
time. It may be a less expensive, more flexible option.<o:p></o:p></span></div>
<div class="MsoNormal" style="background: white; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;">
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<span style="color: #333333; mso-bidi-font-family: Courier;">For
more information on timeshares, order the FTC’s publication <i style="mso-bidi-font-style: normal;">Time and Time Again: Buying and Selling
Timeshares and Vacation Plans. </i>Contact the FTC with specific questions:
Federal Trade Commission, 877-FTC-HELP or FTC.gov. <o:p></o:p></span></div>
<div class="MsoNormal" style="background: white; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;">
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<span style="color: #333333; mso-bidi-font-family: Courier;">You
may also contact the American Resort Development Association, 1201 15<sup>th</sup>
St. NW, Suite 400, Washington, D.C., 20005, 202-371-6700, </span><a href="http://www.ardaa.org/"><span style="mso-bidi-font-family: Courier;">www.ardaa.org</span></a><span style="color: #333333; mso-bidi-font-family: Courier;">.<o:p></o:p></span></div>
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Catch the Money Doctor every Wednesday morning on Bear
Country 95.3 FM and Monday mornings on WHAI 98.3 FM locally for tips and
information about money.<o:p></o:p></div>
The Money Doctorhttp://www.blogger.com/profile/02241439951543868971noreply@blogger.com0tag:blogger.com,1999:blog-4892483155900493746.post-24765942090413718962014-05-21T08:29:00.000-07:002014-05-21T08:29:19.207-07:00Is Incorporation Right for Your Business?<h2>
<b>Is Incorporation Right for Your Business?</b></h2>
<h3>
<b>by Frances Rahaim, Ph.D.</b><b>aka "The Money Doctor"</b></h3>
<div style="font-family: Calibri; margin-bottom: 10px;">
Another tax season has passed, and for many business owners who have recently sent in their federal and/or state tax payments, it can be an occasion for small celebration. A toast perhaps? Your business has survived another year’s tax burden.</div>
<div style="font-family: Calibri; margin-bottom: 10px;">
For large and medium-sized companies, tax time may come and go as a matter of course. Their accounting departments have been projecting and building in their tax payments all along during the year, and when it’s time to pay tax, they remit a check as part of doing business.</div>
<div style="font-family: Calibri; margin-bottom: 10px;">
But for the thousands of sole proprietors running small businesses on their own, tax time can mean a sizable dent in their profit margin. Depending on the year’s revenues and the business’s financial structure, that April 15 deadline each year could represent writing checks to the government for four or five figures. </div>
<div style="font-family: Calibri; margin-bottom: 10px;">
I don’t know any business owners who consider that an enjoyable task.</div>
<div style="font-family: Calibri; margin-bottom: 10px;">
But now that tax time is freshly behind us, it might be time to consider strategies for next year’s tax bill. </div>
<div style="font-family: Calibri; margin-bottom: 10px;">
One way to potentially save thousands of dollars every year in taxes is to incorporate your business—specifically, to become an S-Corp (S referring to Subchapter S of Chapter 1 of the Internal Revenue Code).</div>
<div style="font-family: Calibri; margin-bottom: 10px;">
Many sole proprietors and small business owners have an unclear understanding or the wrong impression of incorporation. <i>Incorporating a business is prohibitively expensive</i>, some assume, or <i>incorporation only applies to larger businesses with lots of employees, not my sole proprietorship. It makes tax filing too complicated, or it’s too difficult to incorporate.</i></div>
<div style="font-family: Calibri; margin-bottom: 10px;">
None of those assumptions is necessarily true. Incorporation <i>is </i>available to small business owners and sole proprietors, and may make sense at tax time, and for several additional reasons.</div>
<div style="font-family: Calibri; margin-bottom: 10px;">
I want to make clear that I am not an accountant, and I am not an attorney. But I am a business owner, and I have incorporated virtually all my businesses. I don’t necessarily recommend incorporation for all businesses, but it may be something for sole proprietors to consider.</div>
<div style="font-family: Calibri; margin-bottom: 10px;">
For one thing, by incorporating your business, you may save money on the Self-Employment Tax, a payroll tax for Social Security and Medicare. When you incorporate, your personhood is removed from the business, so a portion of Social Security and Medicare payroll taxes is no longer required.</div>
<div style="font-family: Calibri; margin-bottom: 10px;">
The tax savings alone might be worth it to incorporate your business, but there are other tax advantages as well. As a corporation, you can determine when you receive income, so that you can position your income to be received at a time when you’ll pay less in tax. As a corporation you can potentially defer tax payments until a later time, which might turn into lower tax bills. Your incorporated business may qualify for a small business tax deduction.</div>
<div style="font-family: Calibri; margin-bottom: 10px;">
Also, importantly, being incorporated might increase your business. In addition to the added credibility that automatically comes with adding “Inc.” to your business name, some companies will only conduct business with incorporated companies, because of liability issues. Which brings up another important benefit of incorporating. Protection of assets from liability may vary depending on corporate structure, but incorporating your business can add an extra layer of protection from law suits and other financial liabilities.</div>
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To be sure, incorporation is not the right answer for every business. There are disadvantages to incorporating, too, including less tax flexibility, some added paperwork, and some expense getting registered as a corporation. </div>
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Ask your accountant and attorney if becoming a corporation is the right move for your company. My experience has been that the process costs about $500 in attorney and other fees, even less if you file the forms yourself. You may wish to visit irs.gov to review the appropriate incorporation before making your decision. </div>
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Incorporating may require some expense up front, but it could turn into savings many times over each year at tax time. </div>
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For more information please visit <a href="http://www.powerdowndebt.com/">http://www.PowerDownDebt.com</a> </div>
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Send questions and comments to:<a href="mailto:info@powerdowndebt.com" target="_blank"> info@powerdowndebt.com</a></div>
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The Money Doctorhttp://www.blogger.com/profile/02241439951543868971noreply@blogger.com1tag:blogger.com,1999:blog-4892483155900493746.post-20789181129103460692014-03-25T18:08:00.000-07:002014-03-25T18:08:48.350-07:00Traveling Cheap<br />
<h2>
<b>Charge Your Way to Big Rewards</b></h2>
<h3>
<b>by Frances Rahaim, Ph.D.</b><b>aka "The Money Doctor"</b></h3>
<div style="font-family: Calibri; font-size: 11px; margin-bottom: 10px;">
Someday this long cold winter will end. The sun will shine through again, sparrows and thrushes will return, brooks will flow and green will return to the valleys. </div>
<div style="font-family: Calibri; font-size: 11px; margin-bottom: 10px;">
As spring dawns, thoughts, for many, will turn to vacation—where to go, what to do, how to get the most relaxation and rejuvenation bang for your buck. If you’re not planning right now for a summer vacation, it’s time to start. </div>
<div style="font-family: Calibri; font-size: 11px; margin-bottom: 10px;">
These days, with a stubbornly sluggish economy and money tight everywhere, taking a vacation requires more planning than ever. Thankfully, there are some tricks you can use to make traveling much easier on the budget—and in some cases even free.</div>
<div style="font-family: Calibri; font-size: 11px; margin-bottom: 10px;">
Here’s a tip for the travel season:</div>
<div style="font-family: Calibri; font-size: 11px; margin-bottom: 10px;">
<b>Credit Card Rewards: </b>We’ve all seen credit card enticements with “free” bonus miles, frequent flier miles or reward points that add up with each purchase. You can then redeem the points or miles for free hotel stays, meals at restaurants, magazine subscriptions, free flights and more.</div>
<div style="font-family: Calibri; font-size: 11px; margin-bottom: 10px;">
Of course, credit card reward points are simply a marketing come-on—a gimmick to get customers to open an account with that lender and presumably amass a balance on which they will pay interest.</div>
<div style="font-family: Calibri; font-size: 11px; margin-bottom: 10px;">
However, if used advantageously, credit card reward points can be turned into a benefit for the customer, and can turn into free flights halfway around the world, or free hotel stays on a road trip down the coast.</div>
<div style="font-family: Calibri; font-size: 11px; margin-bottom: 10px;">
It’s simple to do: </div>
<ul>
<br />
<ol>
<li style="font-family: Calibri; font-size: 11px; margin: 0px 0px 10px;">1.<span class="Apple-tab-span" style="white-space: pre;"> </span>Find the credit card offers that reward the most bonus points for opening an account, and reward the most points with each purchase. Check online at creditcards.com or other sites for a list of offers, each detailing its reward points program.</li>
</ol>
<ol>
<li style="font-family: Calibri; font-size: 11px; margin: 0px 0px 10px;">2.<span class="Apple-tab-span" style="white-space: pre;"> </span>Start charging.</li>
</ol>
<ol>
<li style="font-family: Calibri; font-size: 11px; margin: 0px 0px 10px;">3.<span class="Apple-tab-span" style="white-space: pre;"> </span>Here’s the most important part: Every time you build up a balance, you <i>must pay it off in full every month before the due date. </i>By doing so, you will avoid any interest charges, and those points, and the rewards that come with them, will truly be free.</li>
</ol>
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</ul>
<div style="font-family: Calibri; font-size: 11px; margin-bottom: 10px;">
You can keep track of your credit card purchases by taking a blank checkbook register and using it only for purchases on that rewards credit card. Every time you use your rewards credit card write down the expense in that register, so that you have mentally noted it and can check it any time.</div>
<div style="font-family: Calibri; font-size: 11px; margin-bottom: 10px;">
Also important: be sure not to alter your living habits just for the purpose of earning more credit card points. It’s a recipe for debt trouble. Rather, continue living as you always have, except charge regular expenses on that rewards credit card—groceries, gas, heating oil, car repairs, clothing, dining out. You’ll be surprised how quickly it adds up. </div>
<div style="font-family: Calibri; font-size: 11px; margin-bottom: 10px;">
I’ve used this method before, and twice flew to Hawaii, even providing flights for others, all using free credit card reward points, and charging as many purchases as I can on the card—and always paying off the balance before the due date so that I didn’t pay any interest. (One tip: if you plan to fly internationally, check first to make sure your reward points can be redeemed on international flights; some cannot).</div>
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Bon voyage!</div>
<div>
For more information about money management, visit <a href="http://powerdowndebt.com/">http://powerdowndebt.com</a></div>
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For questions or comments, please email <a href="mailto:info@powerdowndebt.com">info@powerdowndebt.com</a></div>
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The Money Doctorhttp://www.blogger.com/profile/02241439951543868971noreply@blogger.com0tag:blogger.com,1999:blog-4892483155900493746.post-78849936445441577862014-02-26T12:21:00.001-08:002014-02-26T12:21:17.579-08:00Money Doctor Episode 14 Tim Donohue<iframe allowfullscreen="" frameborder="0" height="344" src="//www.youtube.com/embed/Aq1_TGk1trM" width="459"></iframe>The Money Doctorhttp://www.blogger.com/profile/02241439951543868971noreply@blogger.com0tag:blogger.com,1999:blog-4892483155900493746.post-21379286400890309032014-02-26T12:20:00.001-08:002014-02-26T12:20:34.234-08:00Money Doctor 32 Jay Fidanza and Jack Baker<iframe allowfullscreen="" frameborder="0" height="270" src="//www.youtube.com/embed/4-gCXmyTW0Q" width="480"></iframe>The Money Doctorhttp://www.blogger.com/profile/02241439951543868971noreply@blogger.com0tag:blogger.com,1999:blog-4892483155900493746.post-6455412005611474912014-02-26T09:02:00.004-08:002014-02-26T09:02:52.214-08:00Home Equity Pitfalls<h2>
<span style="font-family: Times; font-size: 18.0pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt;">Home Equity Pitfalls</span></h2>
<h3>
<span style="font-family: Times; font-size: 18.0pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt;">by Frances Rahaim, Ph.D.</span><span style="font-family: Times; font-size: 18.0pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt;">aka "The Money Doctor"</span></h3>
<div class="MsoListParagraph" style="margin-left: 0in;">
<span style="font-size: 18pt;">Think
you’ve found the answer to your credit card debt problem in the equity of your
home? Before you take out a home equity loan (HEL) or line of credit (HELOC)
and roll your credit card debt into it, there are a few things you may not have
considered, but which should not be underestimated.</span></div>
<div class="MsoListParagraph" style="margin-left: 0in; text-indent: .5in;">
<span style="font-family: Times; font-size: 18.0pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt;">I, too, once believed the propaganda encouraging the use of
your home’s equity to restructure your credit card debt. <o:p></o:p></span></div>
<div class="MsoListParagraph" style="margin-left: 0in; text-indent: .5in;">
<span style="font-family: Times; font-size: 18.0pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt;">“Save thousands of dollars in interest. Pay lower monthly
payments, deductible interest.”<span style="mso-spacerun: yes;"> </span><o:p></o:p></span></div>
<div class="MsoListParagraph" style="margin-left: 0in; text-indent: .5in;">
<span style="font-family: Times; font-size: 18.0pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt;">Sounds great, right? Here’s a list of the things I think
most people miss when considering this tactic:<o:p></o:p></span></div>
<div class="MsoListParagraph" style="margin-left: .75in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Times; font-size: 18.0pt; mso-bidi-font-family: Times; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: Times;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><!--[endif]--><span style="font-family: Times; font-size: 18.0pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt;">The credit cards are paid off (restructured) with a HEL, but
nothing substantial has been done to arrest the actual problem. This is a case
of treating the symptom rather than the cause. Folks absolutely believe they
will just “not charge anything on credit cards anymore.” It’s likely that if
habits don’t really change, and income doesn’t actually increase, this will be
just a temporary solution.<o:p></o:p></span></div>
<div class="MsoListParagraph" style="margin-left: .75in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Times; font-size: 18.0pt; mso-bidi-font-family: Times; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: Times;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><!--[endif]--><span style="font-family: Times; font-size: 18.0pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt;">Many people plan at the time of taking out the loan that
they will continue to make the same monthly payment they used to make to credit
cards to the home equity loan. The reality is that very few people continue to
do that consistently, month after month for years, despite best intentions.
Most often, borrowers settle into a lower payment and breathe a sigh of relief
– for a while. The fact is that the credit card payments were causing discomfort,
which is what inspired the idea of transferring the debt to begin with, and any
future increase in expenses causes a decrease in that loan payment — and the
cycle continues. <o:p></o:p></span></div>
<div class="MsoListParagraph" style="margin-left: .75in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Times; font-size: 18.0pt; mso-bidi-font-family: Times; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: Times;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><!--[endif]--><span style="font-family: Times; font-size: 18.0pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt;">That brings me to my next point, which is that a staggering
number of people who have taken this route end up back in credit card debt on
top of the second mortgage they’ve taken to pay the first batch of debt. Now,
with little to no equity left in the home, if finances get tight, there may be
nowhere to turn.<o:p></o:p></span></div>
<div class="MsoListParagraph" style="margin-left: .75in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Times; font-size: 18.0pt; mso-bidi-font-family: Times; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: Times;"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><!--[endif]--><span style="font-family: Times; font-size: 18.0pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt;">To make matters even worse, my biggest objection is that
they’ve now put their home at risk for debt that was previously unsecured. In
other words, if they fell into financial trouble while the debt was owed to
credit cards, (unsecured), the lenders are in an weaker position, meaning that
no collateral secures the loan, so their only recourse is to file suit for
judgment. They know that a bankruptcy could wipe out credit card debt, but once
they’ve used their home to pay credit cards off, they have now turned that same
debt into secured debt. Home equity loans and lines of credit are mortgages and
would not likely be dischargeable in a bankruptcy. Now, if they cannot meet
their monthly obligations, they risk foreclosure. Unless you have a reliable
crystal ball, that may be a big risk to take in return for some interest saved.</span><span style="font-family: Times; font-size: 18.0pt; mso-bidi-font-size: 11.0pt;"><o:p></o:p></span></div>
<div class="MsoListParagraph" style="margin-left: 0in; text-indent: .5in;">
<span style="font-family: Times; font-size: 18.0pt; mso-bidi-font-size: 11.0pt;">In my
opinion, home equity loans and lines of credit should be used for debt related
for the home. Need a roof, kitchen or septic system? A HEL or HELOC may be the
answer. But for credit card debt there are many other options. Of course, there
are exceptions to every rule, but perhaps this list will help you have an open
discussion with your banker if you are considering applying for a second
mortgage or line of credit<a href="" name="_GoBack"></a>.<o:p></o:p></span></div>
<div class="MsoListParagraph" style="margin-left: 0in; text-indent: .5in;">
<span style="font-family: Times; font-size: 18.0pt; mso-bidi-font-size: 11.0pt;"><br /></span></div>
<div class="MsoListParagraph" style="margin-left: 0in; text-indent: .5in;">
<span style="font-size: large;">For questions or comments, please email <a href="mailto:info@powerdowndebt.com" target="_blank">info@powerdowndebt.com</a></span></div>
<div class="MsoListParagraph" style="margin-left: 0in; text-indent: .5in;">
<span style="font-size: large;"><br /></span></div>
<div class="MsoListParagraph" style="margin-left: 0in; text-indent: .5in;">
<span style="font-size: large;">For more information about managing Home Equity Loans, Lines of Credit, Mortgages and other debt, visit <a href="http://www.powerdowndebt.com/" target="_blank">http://www.PowerDownDebt.com </a></span></div>
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<span style="font-size: large;">Please subscribe to this blog to receive notices about future posts. </span><span style="font-size: large;">Thank you for reading.</span><span style="font-size: large;"> </span></div>
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The Money Doctorhttp://www.blogger.com/profile/02241439951543868971noreply@blogger.com0tag:blogger.com,1999:blog-4892483155900493746.post-63007350274169432962014-02-05T13:25:00.001-08:002014-02-05T13:25:35.364-08:00Money Doctor Episode 18 Magic Wings studio<iframe allowfullscreen="" frameborder="0" height="270" src="//www.youtube.com/embed/EMsZTRcFoLI" width="480"></iframe>The Money Doctorhttp://www.blogger.com/profile/02241439951543868971noreply@blogger.com0tag:blogger.com,1999:blog-4892483155900493746.post-69922586470027712232014-02-05T13:24:00.001-08:002014-02-05T13:24:12.353-08:00Money Doctor Episode 17 Ray Perkins - Super Sport<iframe allowfullscreen="" frameborder="0" height="270" src="//www.youtube.com/embed/RJRAJXMnoDQ" width="480"></iframe>The Money Doctorhttp://www.blogger.com/profile/02241439951543868971noreply@blogger.com0tag:blogger.com,1999:blog-4892483155900493746.post-76169226361287957442014-02-05T12:49:00.001-08:002014-02-05T12:49:49.471-08:00Money Doctor Episode 16 West County Independent<iframe allowfullscreen="" frameborder="0" height="344" src="//www.youtube.com/embed/tqtzqQxQupY" width="459"></iframe>The Money Doctorhttp://www.blogger.com/profile/02241439951543868971noreply@blogger.com0tag:blogger.com,1999:blog-4892483155900493746.post-55010397105251655532014-02-04T08:05:00.001-08:002014-02-04T08:05:14.753-08:00Money Doctor Episode 18 Magic Wings studio<iframe allowfullscreen="" frameborder="0" height="270" src="//www.youtube.com/embed/EMsZTRcFoLI" width="480"></iframe>The Money Doctorhttp://www.blogger.com/profile/02241439951543868971noreply@blogger.com0tag:blogger.com,1999:blog-4892483155900493746.post-2576739937036817182014-02-04T08:00:00.001-08:002014-02-04T08:00:38.285-08:00Money Doctor Episode 17 Ray Perkins - Super Sport<iframe allowfullscreen="" frameborder="0" height="270" src="//www.youtube.com/embed/RJRAJXMnoDQ" width="480"></iframe>The Money Doctorhttp://www.blogger.com/profile/02241439951543868971noreply@blogger.com0tag:blogger.com,1999:blog-4892483155900493746.post-42104066304783174552014-02-03T16:25:00.001-08:002014-02-03T16:25:08.605-08:00Money Doctor Episode 22 Lenny Zarcone<iframe allowfullscreen="" frameborder="0" height="270" src="//www.youtube.com/embed/f308yyJButw" width="480"></iframe>The Money Doctorhttp://www.blogger.com/profile/02241439951543868971noreply@blogger.com0tag:blogger.com,1999:blog-4892483155900493746.post-63703327612433664212014-02-03T16:24:00.001-08:002014-02-03T16:24:18.846-08:00Money Doctor Episode 19 Eric Weld Copy<iframe allowfullscreen="" frameborder="0" height="344" src="//www.youtube.com/embed/MWFj94xxPn4" width="459"></iframe>The Money Doctorhttp://www.blogger.com/profile/02241439951543868971noreply@blogger.com0tag:blogger.com,1999:blog-4892483155900493746.post-6887583728089150842014-02-03T16:23:00.001-08:002014-02-03T16:23:35.568-08:00Money Doctor Episode 21 - Terry Suchanek<iframe allowfullscreen="" frameborder="0" height="270" src="//www.youtube.com/embed/Qs2NPTsu5Ts" width="480"></iframe>The Money Doctorhttp://www.blogger.com/profile/02241439951543868971noreply@blogger.com0tag:blogger.com,1999:blog-4892483155900493746.post-52933494989701044302014-02-03T16:22:00.003-08:002014-02-03T16:22:49.109-08:00Money Doctor Episode 20 Susan Norman<iframe allowfullscreen="" frameborder="0" height="270" src="//www.youtube.com/embed/gaFm0pNIczE" width="480"></iframe>The Money Doctorhttp://www.blogger.com/profile/02241439951543868971noreply@blogger.com0tag:blogger.com,1999:blog-4892483155900493746.post-75842145240936255552014-02-03T16:22:00.001-08:002014-02-03T16:22:04.604-08:00Money Doctor Episode 18 Magic Wings studio<iframe allowfullscreen="" frameborder="0" height="270" src="//www.youtube.com/embed/EMsZTRcFoLI" width="480"></iframe>The Money Doctorhttp://www.blogger.com/profile/02241439951543868971noreply@blogger.com0tag:blogger.com,1999:blog-4892483155900493746.post-28403855628226680932014-01-05T17:39:00.001-08:002014-01-05T17:39:19.309-08:00Money Doctor Episode 23 - Alina's Restaurant<br />
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<span class="userContent">Yummm!<span class="text_exposed_show"><br />
... <br />
Is there any other way to say it? Frances Rahaim, Ph.D. aka The Money Doctor interviews Chef Martin Amaya and Maritza Amaya, owners of the family run Alina’s Ristorante (named for their 9 year old daughter) in Hadley, MA, formerly in South Deerfield, MA. <br />
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This adorable couple work side by side for 80-100 hours weekly without regret, on this labor of love. Coming from San Salvador at age 17, with a broken arm, and no prospects or promise of work, Martin took a job as a dishwasher in what was then known as Carmelina’s Restaurant. Along the way, he met Maritza, fell in love with her, and the art of fine cuisine, and today they have purchased the restaurant he started at 18 years ago. <br />
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This charming, generous couple are quick to give thanks and credit to those around them, and their caring, kindness, and love of life is evident in every bite of northern Italian cuisine, and the surroundings it is served in. Don’t miss this rare opportunity learn the behind the scenes story straight from Martin and Maritza.</span></span><br />
<span class="userContent"><span class="text_exposed_show"><br />
</span></span><iframe allowfullscreen="" frameborder="0" height="270" src="//www.youtube.com/embed/Hnwbq6TpGeA" width="480"></iframe><br />
The Money Doctor show is filmed at GCTV - Channel 15, http://www.gctv.org/producers/money-doctor, and airs on a variety of public television and radio stations including WMCB Radio 107.9 FM http://www.wmcb.net/<br />
<br />
Also, listen to "The Money Doctor" <br />
Mondays on WHAI 98.3FM http://www.whai.com/<br />
Wednesdays on Bear Country 95.3FM http://www.bear953.com/<br />
Fridays on WHMP http://www.whmp.com/<br />
<br />
Visit The Money Doctor's site http://www.PowerDownDebt.comThe Money Doctorhttp://www.blogger.com/profile/02241439951543868971noreply@blogger.com0tag:blogger.com,1999:blog-4892483155900493746.post-78105333246910039352014-01-05T16:29:00.001-08:002014-01-05T16:29:33.121-08:00Money Doctor Episode 24 Magic Wings on Location<br />
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<span class="userContent">Magic Wings Butterfly Conservatory<span class="text_exposed_show"><br />
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The Money Doctor and crew tour Magic Wings in South Deerfield, MA. Meet entrepreneur George Miller, Sr., and some of the Magic Wings crew. See Giant Leaf Tailed Geckos, adorable Button Quail, 4000 ethereal butterflies from across the world, rare plant species and more! An inexpensive day at Magic Wings can be a great day trip for children and adults alike. Now you can get a sneak preview from the comfort of your living room. Warning: This show has some surprises sure to make you laugh out loud. We hope you have as much fun watching it as we had filming it.</span></span><br />
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<iframe allowfullscreen="" frameborder="0" height="270" src="//www.youtube.com/embed/iL2TUx8nCas" width="480"></iframe><img alt="" 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" />The Money Doctorhttp://www.blogger.com/profile/02241439951543868971noreply@blogger.com0tag:blogger.com,1999:blog-4892483155900493746.post-86516675563854155002014-01-04T11:01:00.001-08:002014-01-04T11:02:27.459-08:00Adam Harrington Money Doctor Episode 25<br />
NBA Player and JEHH Memorial Foundation - Adam Harrington<br />
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Frances Rahaim, Ph.D. (aka The Money Doctor) interviews Bernardston resident Adam Harrington, retired NBA player and executive director of the JEHH Memorial foundation. The pro ball player, inspired by tragedy - the death of his sister Jill, draws on his experience in the NBA to help him manage a worldwide philanthropic venture www.chaseyourdreamsnow.org which funds dream projects for individuals and groups. Adam also 'pays it forward' by coaching kids from all walks of like in his Aspire Basketball camp www.aspirehoops.com. This interview is emotional, honest and surprising. One not to miss.<br />
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The Money Doctor show is filmed at GCTV - Channel 15, http://www.gctv.org/producers/money-doctor, and airs on a variety of public television and radio stations including WMCB Radio 107.9 FM http://www.wmcb.net/<br />
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Also, listen to "The Money Doctor" <br />
Mondays on WHAI 98.3FM http://www.whai.com/<br />
Wednesdays on Bear Country 95.3FM http://www.bear953.com/<br />
Fridays on WHMP http://www.whmp.com/<br />
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Visit The Money Doctor's site http://www.PowerDownDebt.comThe Money Doctorhttp://www.blogger.com/profile/02241439951543868971noreply@blogger.com0tag:blogger.com,1999:blog-4892483155900493746.post-2741556724091371472014-01-04T06:47:00.001-08:002014-01-04T06:47:26.342-08:00Mayor Bill Martin - Money Doctor Episode 26<br />
Greenfield Massachusetts' Mayor William (Bill) Martin<br />
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The Money Doctor and Mayor Bill Martin speak openly about his passion for solving veteran issues, his proposal to save Greenfield more than half a million dollars yearly and more. Tune in to meet the man behind the office. You may be surprised to learn some things that even long time followers didn't know. <br />
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" />The Money Doctorhttp://www.blogger.com/profile/02241439951543868971noreply@blogger.com0tag:blogger.com,1999:blog-4892483155900493746.post-31827505898224570752014-01-03T17:58:00.001-08:002014-01-04T07:02:09.408-08:00The Deerfield Inn - Jane Howard - Money Doctor Episode 27<br />
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Jane Howard - The Deerfield Inn<br />
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Flooded With Guests<br />
The Money Doctor visits with Jane Howard of The Deerfield Inn about the Inn’s historic past, her and Karl Sabo’s involvement with it, and what it’s been like bringing this historic property back from the flood in August of 2011. <br />
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The Inn has re-opened, and Jane gives us a personal preview of the renovated/restored Champney’s Tavern and Restaurant, and the Inn, complete with a few ghost stories. Tune in to learn more about this landmark, and why locals as well as tourists are happy to be able to enjoy a meal, cocktail or a stay once again on Old Main Street in Deerfield, MA.<br />
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" />The Money Doctorhttp://www.blogger.com/profile/02241439951543868971noreply@blogger.com0