Archive - 2010

1
“Must Read” Publication From California Dept. of Corporations
2
Cash Is King!
3
Three Ways To Reduce Your 2009 Tax Bill In 2010
4
Getting the Most of Employer Matching
5
Social Security Bend Points Explained

“Must Read” Publication From California Dept. of Corporations

In over 25 years for helping people to preserve, protect, and grow their assets, many publications have crossed my desk. All were “Must Read” Publication From California Dept. of Corporationsdesigned to help those approaching or in retirement. Perhaps the best one ever is from the CA Dept of Corporations and is free. “Protect Yourself from Fraud” is easy to read, well written covers a large variety of topics and should be a must read for everyone.

The Dept of Corporations is the States’ Investment Financing Authority. It protects consumers by regulating companies and individuals that offer investment advice, securities, and consumer loans amongst other things.

The Department …

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Cash Is King!

One of the greatest risks that I see in a lot of people’s financial portfolios is that they do not have enough cash.  My business serves amoney_yomanimus wide range of individuals and families and I get to review their financial life from an objective perspective.  I have found some couples, who even after the market downturn in the fall of 2008, still have not learned the value of having “ready cash” and “emergency cash.”  I think some people believe that an “emergency” will not happen to them so why should they keep so much in cash.  My job as a …

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Three Ways To Reduce Your 2009 Tax Bill In 2010

It’s that time of year again! Tax documents are arriving by mail and the race towards April 15th is on. What many folks don’t fully understand is that while 2009 is over and gone, there are still things we can do to reduce our tax liability for last year. Here’s a list of a few things you can do that might reduce your tax bill for 2009.prius 2010 Paul_Garland

1. Take full advantage of available tax credits.

The government offers taxpayers an array of credits. Remember that credits are a dollar for dollar reduction in tax liability as compared to a tax …

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Getting the Most of Employer Matching

 Many employers have reduced or eliminated matching in the past several years.  If you’re fortunate enough to still have a match, you want to take full advantage of this potentially significant boost to your retirement plans.   Every dollar your employer contributes toward your retirement is a dollar you don’t have to.
To make the most of […] …

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Social Security Bend Points Explained

Okay, you’ve probably already guessed that this has nothing to do with deep-sea diving, but I’m pretty sure I would have disappointed my seven loyal fans readers (okay, it’s really more like two or three – Hi, Mom!) if I hadn’t made the pun.  Bend points are the portions of your average income (Average Indexed Monthly Earnings – AIME) in specific dollar amounts that are indexed each year, based upon an obscure table called the Average Wage Index (AWI) Series.  They’re called bend points because they represent points on a graph of your AIME graphed by inclusion in calculating the… Read More

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