May / June
Showing 529–544 of 621 results
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Cover your assets with key person insurance
May / June 2009
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 385
Abstract: If one of your borrowers suddenly lost a key person, how would it affect their productivity, profits and ability to service debt? For many small businesses, the death or long-term disability of an owner or key employee spells disaster.
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How do your borrowers’ inventory practices stack up?
May / June 2009
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 659
Abstract: Although borrowers often pledge inventory as loan collateral, the amount shown on their balance sheets isn’t always accurate. In fact, inventory can be a breeding ground for mistakes because its accounting is complex and the volume of transactions that flow through the inventory ledger is high.
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Rethinking debt – A shake-up in the credit markets
May / June 2009
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 472
Abstract: The corporate finance world is in a state of flux: Banks continue to rein in debt and put borrowers on shorter leashes. Borrowers also are rethinking their capital structures and lending decisions. For now, conservatism is the name of the game.
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Make your borrowers’ concerns your own
May / June 2009
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 831
Abstract: Lenders who understand their borrowers’ financial expectations have a clear edge. Your borrowers’ greatest concerns can tell you what to watch for in terms of high-risk behaviors and management quality: Good borrowers take charge of impending threats.
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Ask the Advisor – How can I develop an accurate cash flow projection?
May / June 2009
Newsletter: Real Estate Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 493
Abstract: Realistic cash flow projections are crucial to wise investment decisions and intelligent property management. Savvy real estate investors run cash flow projections on every property they intend to buy, to help determine the before-tax viability of an investment. This article discusses how, with a little research and some simple calculations, you can develop a cash flow projection on your next purchase. A helpful sidebar shows how to calculate cash flow before taxes.
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The due diligence payoff
May / June 2009
Newsletter: Real Estate Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 769
Abstract: Performing due diligence ranks right up there as one of the most potentially boring — but important — tasks for real estate investors. Crossing your T’s and dotting your I’s could save you a lot of money, as well as entanglement in less than desirable investment properties. But what should you be looking for when you do your due diligence? This article offers some clues.
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5 mistakes commercial real estate investors make
May / June 2009
Newsletter: Real Estate Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 595
Abstract: Investors face an uphill battle today, when achieving profitability poses more of a challenge than in years past. You can enhance your probability of a healthy bottom line, however, by avoiding five common mistakes. This article describes how 1) inadequate market research, 2) inaccurate financial projections, 3) financial overextension, 4) lack of planning, and 5) ignoring financial indicators can impede profitability.
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Asset-protection planning – Holding on to what’s yours
May / June 2009
Newsletter: Real Estate Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 1247
Abstract: Given today’s economic uncertainties and litigious society, asset-protection planning has become more important than ever for real estate investors and developers. Fortunately, there’s much you can do to stave off disaster before it plunders what you’ve worked so hard to build. This article discusses four such strategies: having adequate insurance, using ERISA provisions to keep creditors from your retirement accounts, spreading the risk by dividing the business into separate entities, and using trusts. A sidebar on “planning” for divorce offers another way to protect your assets.
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Are tax-free investments really worth it?
May / June 2009
Newsletter: Planning for Prosperity / Wealth Management Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 690
Abstract: If you think investing in tax-exempt securities such as state and municipal bonds is an ideal way to diversify your portfolio and enjoy tax-free income, hold that thought. There are a few possible cons to consider along with the potential pros. This article discusses both, and points out that credit quality, price volatility and the investment’s role in your asset allocation strategy also need to be taken into account.
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A silver lining – Market drops can provide long-term opportunity
May / June 2009
Newsletter: Planning for Prosperity / Wealth Management Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 798
Abstract: If you’ve looked at your retirement plan statements since last fall, you hardly need to be told how incredibly challenging the investment environment has been. But if you can stomach the market’s volatility, down markets often provide brave investors with attractive long-term buying opportunities. This article discusses the pros and cons of stocks, bonds and fixed-income equities, and why a long-term, patient approach might be better than trying to time the market.
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Avoid 2 costly life insurance snafus with an ILIT
May / June 2009
Newsletter: Planning for Prosperity / Wealth Management Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 757
Abstract: Life insurance can help you provide for your loved ones’ financial security after your death. But if you own the policy, you could threaten the estate-tax-free status of your life insurance proceeds and significantly reduce the amount that’s left for your family. And if you designate a minor or legally incompetent person as a beneficiary, he or she might not receive the proceeds according to your wishes. Creating an irrevocable life insurance trust (ILIT) can avoid these problems.
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Personal finance 101: Advice for recent grads
May / June 2009
Newsletter: Planning for Prosperity / Wealth Management Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 878
Abstract: With their college degrees in hand, it’s time for the recent graduates in your life to take on the responsibilities that come with the rewards of financial independence. And given today’s economic challenges, it’s critical for them to establish good money management habits from the outset. This article offers some key personal financial tips you can give them along with your graduation gift.
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Estate Planning Red Flag – You make (or receive) “deathbed” gifts
May / June 2009
Newsletter: Estate Planner
Price: $225.00, Subscriber Price: $157.50
Word count: 274
Abstract: Making annual exclusion gifts is an effective way to reduce a person’s taxable estate. But if such gifts aren’t “completed” before the person’s death, they could be subject to estate taxes. This short article explains how a gift is “completed.”
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Family split-dollar arrangement can ease gift taxes
May / June 2009
Newsletter: Estate Planner
Price: $225.00, Subscriber Price: $157.50
Word count: 704
Abstract: One of the most effective techniques for avoiding estate taxes on life insurance proceeds is to set up an irrevocable life insurance trust. If a person pays the premiums on the policy, however, there may be gift tax consequences. A properly structured split-dollar arrangement may solve this problem. This article details the ins and outs of a split-dollar strategy.
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10 tips for choosing a guardian
May / June 2009
Newsletter: Estate Planner
Price: $225.00, Subscriber Price: $157.50
Word count: 1106
Abstract: The selection of a guardian can have a profound impact on a child, so it’s important to choose carefully. If a person is hesitant to name a guardian for his or her children, a court will name one. Thus, it’s one of the most important estate planning decisions a person can make. This article lists 10 tips to help people make the right decision.
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Protecting your assets against fraud and ID theft
May / June 2009
Newsletter: Estate Planner
Price: $225.00, Subscriber Price: $157.50
Word count: 852
Abstract: Wealth preservation typically focuses on protecting assets against creditors’ claims and lawsuits, but it’s also important to protect wealth from erosion by fraud and identity theft. There’s a common misconception that fraud victims usually are unsophisticated, but there’s no shortage of sophisticated investors who’ve been seduced by the promise of generous returns. And, according to the Federal Trade Commission, 10 million people fall victim to ID theft every year. This article offers safeguards against fraud and ID theft.