http://www.examiner.com/x-13514-Raleigh-Personal-Finance-Examiner?cid=exrss-Raleigh-Personal-Finance-Examiner en-us Mon, 23 Nov 2009 10:58:13 -0700 Mon, 16 Nov 2009 05:50:45 -0700 BlogCFC http://blogs.law.harvard.edu/tech/rss http://www.examiner.com/x-13514-Raleigh-Personal-Finance-Examiner~y2009m11d16-Your-best-personal-finance-move-Get-a-second-opinion?cid=exrss-Raleigh-Personal-Finance-Examiner Since the stock market and other financial indicators have rebounded these past few months, my computer has been overcome with financial words of wisdom and advice from almost anyone who can balance a check book. (That wouldn't be me because I... second opinion standard and poors plan Mon, 16 Nov 2009 05:50:45 -0700 http://www.examiner.com/x-13514-Raleigh-Personal-Finance-Examiner~y2009m11d16-Your-best-personal-finance-move-Get-a-second-opinion?cid=exrss-Raleigh-Personal-Finance-Examiner http://www.examiner.com/x-13514-Raleigh-Personal-Finance-Examiner~y2009m10d12-Beware-Universal-Life-Insurance?cid=exrss-Raleigh-Personal-Finance-Examiner What happened to my policy?Now that you know the basics of life insurance from my articles "Life Insurance, Part 1", "Life Insurance Part Two", and "Life Insurance Part Three", it's time to take a look back at Universal ... Life insurance insurance Universal Life Variable Universal Mon, 12 Oct 2009 06:16:52 -0700 http://www.examiner.com/x-13514-Raleigh-Personal-Finance-Examiner~y2009m10d12-Beware-Universal-Life-Insurance?cid=exrss-Raleigh-Personal-Finance-Examiner http://www.examiner.com/x-13514-Raleigh-Personal-Finance-Examiner~y2009m10d9-High-Frequency-Trading-is-it-happening-to-you?cid=exrss-Raleigh-Personal-Finance-Examiner Can you ride the wave? In a July article entitled "More about Investing" I described how the investment markets and operations are changing and how I felt about those changes.It appears I was a little off-base with that article. Not re... Hogh Frequency Trading Investing Fri, 09 Oct 2009 06:37:04 -0700 http://www.examiner.com/x-13514-Raleigh-Personal-Finance-Examiner~y2009m10d9-High-Frequency-Trading-is-it-happening-to-you?cid=exrss-Raleigh-Personal-Finance-Examiner http://www.examiner.com/x-13514-Raleigh-Personal-Finance-Examiner~y2009m10d2-Trouble-in-Financial-Planning-relationships?cid=exrss-Raleigh-Personal-Finance-Examiner Last July I wrote an article about emotions and finances. It had to do with my girlfriend NOT moving to a higher interest bank account. (Yes, she did move...eventually.)Last spring a friend inherited $270,000. She called me all upset and worried. I a... financial planning trust emotion planning Fri, 02 Oct 2009 09:08:38 -0700 http://www.examiner.com/x-13514-Raleigh-Personal-Finance-Examiner~y2009m10d2-Trouble-in-Financial-Planning-relationships?cid=exrss-Raleigh-Personal-Finance-Examiner http://www.examiner.com/x-13514-Raleigh-Personal-Finance-Examiner~y2009m9d23-Beware-Financial-Advisors-and-advice?cid=exrss-Raleigh-Personal-Finance-Examiner You can do it!The Raleigh News and Observer has posted at least three stories this week, and two today, September 23, 2008, about Financial Advisors ripping off their clients. One article explained how a Smithfield Financial Planner misplaced the fun... madoff Financial Advice adviser Raleigh Wed, 23 Sep 2009 05:50:10 -0700 http://www.examiner.com/x-13514-Raleigh-Personal-Finance-Examiner~y2009m9d23-Beware-Financial-Advisors-and-advice?cid=exrss-Raleigh-Personal-Finance-Examiner http://www.examiner.com/x-13514-Raleigh-Personal-Finance-Examiner~y2009m8d19-Healthcare-for-seniors-for-all-of-us?cid=exrss-Raleigh-Personal-Finance-Examiner We all need help.Old age can be a wonderful time of reflection, remembrance, and a wistful longing for the past.It can also be a time of scams, shams, and rip-offs.Life comes to us in stages and the theory is that when we reach real "maturi... senior healthcare obama medicare Wed, 19 Aug 2009 06:46:08 -0700 http://www.examiner.com/x-13514-Raleigh-Personal-Finance-Examiner~y2009m8d19-Healthcare-for-seniors-for-all-of-us?cid=exrss-Raleigh-Personal-Finance-Examiner http://www.examiner.com/x-13514-Raleigh-Personal-Finance-Examiner~y2009m8d13-Health-care-reform-and-the-average-person?cid=exrss-Raleigh-Personal-Finance-Examiner There are always questions....The recent healthcare debates highlight one of the least practiced components of Financial Planning: learning the facts.Look at any newspaper, website, or television newshow and what you'll see is someone ... health care reform medicaid insurance Thu, 13 Aug 2009 05:53:14 -0700 http://www.examiner.com/x-13514-Raleigh-Personal-Finance-Examiner~y2009m8d13-Health-care-reform-and-the-average-person?cid=exrss-Raleigh-Personal-Finance-Examiner http://www.examiner.com/x-13514-Raleigh-Personal-Finance-Examiner~y2009m8d10-Financial-PLan-101g-The-End?cid=exrss-Raleigh-Personal-Finance-Examiner We did it!The Financial Plan for the Smiths is nearly complete. We've moved money, re-allocated money, and saved money.But the process is not finished (for THIS year) until we tidy up some loose ends and make the Smiths aware of the fu... LTC AFLAC Cancer Disability Mon, 10 Aug 2009 05:48:56 -0700 http://www.examiner.com/x-13514-Raleigh-Personal-Finance-Examiner~y2009m8d10-Financial-PLan-101g-The-End?cid=exrss-Raleigh-Personal-Finance-Examiner http://www.examiner.com/x-13514-Raleigh-Personal-Finance-Examiner~y2009m8d7-Financial-Plan-101f-College-Funding-for-Sandy?cid=exrss-Raleigh-Personal-Finance-Examiner How do I get there, again??If you've been keeping track we have made a few changes to the Smith's financial world.Now, then, is a good time to consider Sandy and her dream of attending Duke University.The first thing to remember about college pl... 529 College Funding UGMA Fri, 07 Aug 2009 14:05:00 -0700 http://www.examiner.com/x-13514-Raleigh-Personal-Finance-Examiner~y2009m8d7-Financial-Plan-101f-College-Funding-for-Sandy?cid=exrss-Raleigh-Personal-Finance-Examiner http://www.examiner.com/x-13514-Raleigh-Personal-Finance-Examiner~y2009m8d4-Financial-Plan-101e-Final-words-on-the-401k?cid=exrss-Raleigh-Personal-Finance-Examiner Perfect.The Smiths (from the previous articles) have $35,000 in Tom's 401k. Tom has been contributing as much as he can to the plan, has moved the money into the cash account, and wants to know what to do next.First, we cut Tom's contributions back t... nest egg retirement growth Tue, 04 Aug 2009 06:40:33 -0700 http://www.examiner.com/x-13514-Raleigh-Personal-Finance-Examiner~y2009m8d4-Financial-Plan-101e-Final-words-on-the-401k?cid=exrss-Raleigh-Personal-Finance-Examiner http://www.examiner.com/x-13514-Raleigh-Personal-Finance-Examiner~y2009m8d3-Financial-Plan-101d-Understanding-the-401k-continued?cid=exrss-Raleigh-Personal-Finance-Examiner Are you following the signs?Last time we went over the brief history of the 401k and explained the Summary Plan Description (SPD).  Now we will discuss the best part of the 401k: the company (or employer) contribution. This contributio... rate of return Standard and Poors 500 Mon, 03 Aug 2009 12:08:15 -0700 http://www.examiner.com/x-13514-Raleigh-Personal-Finance-Examiner~y2009m8d3-Financial-Plan-101d-Understanding-the-401k-continued?cid=exrss-Raleigh-Personal-Finance-Examiner http://www.examiner.com/x-13514-Raleigh-Personal-Finance-Examiner~y2009m7d30-Financial-PLan-101c-The-401k-a-primer?cid=exrss-Raleigh-Personal-Finance-Examiner What does this mean?We're making progress on the Smiths' Financial Plan. If you missed the three articles before this one, go and read them. Now. We're covering a lot of ground and cannot afford to look back...yet.This article will be about what COUL... 401k defined benefit pension plan SPD Thu, 30 Jul 2009 15:48:07 -0700 http://www.examiner.com/x-13514-Raleigh-Personal-Finance-Examiner~y2009m7d30-Financial-PLan-101c-The-401k-a-primer?cid=exrss-Raleigh-Personal-Finance-Examiner http://www.examiner.com/x-13514-Raleigh-Personal-Finance-Examiner~y2009m7d29-Financial-Plan-101b-Do-you-have-the-right-health-insurance?cid=exrss-Raleigh-Personal-Finance-Examiner Make them work for YOU.Last time we looked at the Smiths' budget and budget "entries". We decided that as we list those entries we are going to examine them, as well, and we talked about how to evaluate car and home insurance. (Basically: g... HSA Health Plan HDHP Wed, 29 Jul 2009 10:46:34 -0700 http://www.examiner.com/x-13514-Raleigh-Personal-Finance-Examiner~y2009m7d29-Financial-Plan-101b-Do-you-have-the-right-health-insurance?cid=exrss-Raleigh-Personal-Finance-Examiner http://www.examiner.com/x-13514-Raleigh-Personal-Finance-Examiner~y2009m7d27-Financial-Plan-101a-That-darn-budget?cid=exrss-Raleigh-Personal-Finance-Examiner Get that pencil paper out, again.Let's get back to the Smiths.  We're going to assume they have addressed that Life Insurance "hole" we saw last time, so now it's time to talk about the dreaded budget.Remember that the Financ... Mon, 27 Jul 2009 06:32:46 -0700 http://www.examiner.com/x-13514-Raleigh-Personal-Finance-Examiner~y2009m7d27-Financial-Plan-101a-That-darn-budget?cid=exrss-Raleigh-Personal-Finance-Examiner http://www.examiner.com/x-13514-Raleigh-Personal-Finance-Examiner~y2009m7d24-Financial-Plan-101-In-the-beginning?cid=exrss-Raleigh-Personal-Finance-Examiner We all need a roadmap to financial success.In my last two columns I tried to explain investing but that is like trying to catch a fish with an ax: lots of work but no results. The market is up, now, and when that happens we  don't worry abo... Fri, 24 Jul 2009 10:15:35 -0700 http://www.examiner.com/x-13514-Raleigh-Personal-Finance-Examiner~y2009m7d24-Financial-Plan-101-In-the-beginning?cid=exrss-Raleigh-Personal-Finance-Examiner http://www.examiner.com/x-13514-Raleigh-Personal-Finance-Examiner~y2009m7d23-More-about-investing?cid=exrss-Raleigh-Personal-Finance-Examiner YOU CAN DO IT!Since you have decided to invest, let me share a personal opinion with you. Remember that if you want real investment advice from someone other than yourself, you can only get that by meeting with a profess... stock market day-trader short selling puts Thu, 23 Jul 2009 11:10:13 -0700 http://www.examiner.com/x-13514-Raleigh-Personal-Finance-Examiner~y2009m7d23-More-about-investing?cid=exrss-Raleigh-Personal-Finance-Examiner http://www.examiner.com/x-13514-Raleigh-Personal-Finance-Examiner~y2009m7d21-Investing-again?cid=exrss-Raleigh-Personal-Finance-Examiner Pick the best way for you.If you read the last article, you now are able to think of "investment" and "risk" as totally connected. You now are fully aware of what can happen when you give someone else some of your money and HOPE t... Brokers stocks Tue, 21 Jul 2009 07:06:07 -0700 http://www.examiner.com/x-13514-Raleigh-Personal-Finance-Examiner~y2009m7d21-Investing-again?cid=exrss-Raleigh-Personal-Finance-Examiner http://www.examiner.com/x-13514-Raleigh-Personal-Finance-Examiner~y2009m7d20-Investingwhat-is-it-and-should-you-do-it?cid=exrss-Raleigh-Personal-Finance-Examiner If only our investments looked like this...Merriam Webster's dictionary defines investing as: "the outlay of money, usually for income or profit."Wikipedia has several definitions but my favorite is: "Investing is the active redirectio... Investments risk loss Mon, 20 Jul 2009 11:23:23 -0700 http://www.examiner.com/x-13514-Raleigh-Personal-Finance-Examiner~y2009m7d20-Investingwhat-is-it-and-should-you-do-it?cid=exrss-Raleigh-Personal-Finance-Examiner http://www.examiner.com/x-13514-Raleigh-Personal-Finance-Examiner~y2009m7d17-Life-Insurance-Part-Three-Whole-Life?cid=exrss-Raleigh-Personal-Finance-Examiner Plan for the future.Last time we talked about Term Insurance being "inexpensive", basic coverage against a financial calamity. We noted that Term is basically an Annual Policy that gets renewed every year, or "locked-in" for a&nbs... Fri, 17 Jul 2009 06:08:29 -0700 http://www.examiner.com/x-13514-Raleigh-Personal-Finance-Examiner~y2009m7d17-Life-Insurance-Part-Three-Whole-Life?cid=exrss-Raleigh-Personal-Finance-Examiner http://www.examiner.com/x-13514-Raleigh-Personal-Finance-Examiner~y2009m7d15-Life-Insurance-Part-Two-Term-Insurance?cid=exrss-Raleigh-Personal-Finance-Examiner One form of protection.. When professionals like me tell you how important it is to get Life Insurance it is a good idea to explain WHAT Life Insurance to look for and where to get it.There are several kinds of Life Insurance but it al... Term Insurance Insurability Wed, 15 Jul 2009 15:25:48 -0700 http://www.examiner.com/x-13514-Raleigh-Personal-Finance-Examiner~y2009m7d15-Life-Insurance-Part-Two-Term-Insurance?cid=exrss-Raleigh-Personal-Finance-Examiner