Articles http://www.fpanet.org/rss/9DB14857-1D09-67A1-7A5B4E1B6929BE98/ en-us How to Get More Happiness Out of Your Spending http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/FinancialPlanning/HowtoGetMoreHappinessOutofYourSpending/ Mon, 17 Jun 2013 00:00:00 At the most basic level, financial planning involves controlling expenses by using a budget, and while the importance of sticking to a budget and constructing a written financial plan is often emphasized, using your discretionary spending can maximize happiness.


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The Money Illusion: Don’t Be Fooled By Inflation http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/FinancialPlanning/TheMoneyIllusionDontBeFooledByInflation/ Mon, 20 May 2013 00:00:00 One of the best ways to help yourself quantify the effects of inflation on your money is to think of inflation as a tax.

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The Challenge of Saving, Part 2 http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Savings/TheChallengeofSavingPart2/ Mon, 18 Mar 2013 00:00:00

If you’re like most Americans, you probably have a tough time saving as much as you should.  Part of the problem may be that you do not know how much you need to save, or perhaps you have trouble quantifying the future value of your current savings.


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The Challenge of Saving http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Savings/TheChallengeofSaving/ Mon, 18 Feb 2013 00:00:00

If you’re like most Americans, you probably have a tough time saving as much as you should.  Part of the problem may be that you do not know how much you need to save, or perhaps you have trouble quantifying the future value of your current savings.


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Qualified Charitable Distributions for 2012-2013 http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/CharitablePlannedGiving/QualifiedCharitableDistributionsfor2012and2013/ Tue, 29 Jan 2013 00:00:00 If you are charitably inclined and have an RMD (Required Miniumum Distribution) that you will not need, the QCD can be a great way to help a charity while also helping your tax bill. 

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Choice Overload & Analysis Paralysis http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Investments/ChoiceOverloadandAnalysisParalysis/ Mon, 21 Jan 2013 00:00:00 Evaluating too many options can be so mentally taxing that people will often become overwhelmed and decide to forego making a decision altogether, a phenomenon known as analysis paralysis.

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Top Five Financial Planning Resolutions for 2013 http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/FinancialPlanning/TopFiveFinancialPlanningResolutionsfor2013/ Mon, 14 Jan 2013 00:00:00 Financial planning goals can be best achieved if they are specific and realistic. Goals should have a time frame to implement and be written on paper.

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Why Free Things Can Wind Up Costing You http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/FinancialPlanning/WhyFreeThingsCanWindUpCostingYou/ Mon, 17 Dec 2012 00:00:00 With free products, it is often their opportunity cost that is overlooked. Free products are popular because they allow you to forget the downside of your decision easily. Loss aversion is a well documented behavioral bias, as people are naturally afraid of decisions that carry the possibility of regret. There is usually no apparent downside when a product is free. It is this fear of loss that generates such an emotional reaction to free products.

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Mastering Your Holiday Season Budget http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Other/MasteringYourHolidaySeasonBudget/ Mon, 03 Dec 2012 00:00:00

You can resist the temptation to splurge and successfully manage your finances by sticking to your current budget and long-term plan by properly aligning spending to your values and priorities.


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The Fallacy of Sunk Costs http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/FinancialPlanning/TheFallacyofSunkCosts/ Mon, 19 Nov 2012 00:00:00 The sunk cost fallacy can adversely affect your investment returns if you are not careful. When you find yourself dwelling on the price you paid for an investment, ask yourself what you would do with the investment if it were gifted to you.

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Retirement Fire Drill http://www.fpanet.org/LifeGoals/Retiring/RetirementFireDrill/ Tue, 13 Nov 2012 00:00:00 It’s good to be prepared and have a plan for the transition into retirement. Having a Retirement Fire Drill will allow you to check how the planning you’ve done so far will hold up in the real world.

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Anchoring Bias: The Power of Arbitrary Numbers http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/FinancialPlanning/AnchoringBiasThePowerofArbitraryNumbers/ Mon, 15 Oct 2012 00:00:00 Anchoring can be especially detrimental to individuals who make investment decisions on the basis of old purchase prices, inappropriate assumptions, or unrealistic goals.  

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Anchoring Bias: The Power of Arbitrary Numbers http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/FinancialPlanning/AnchoringBiasThePowerofArbitraryNumbers/ Mon, 15 Oct 2012 00:00:00 Anchoring can be especially detrimental to individuals who make investment decisions on the basis of old purchase prices, inappropriate assumptions, or unrealistic goals.  

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Decisions, Decisions http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Retirement/DecisionsDecisions/ Tue, 09 Oct 2012 00:00:00 Your Social Security benefits will be about 75 percent higher if you wait until 70 to collect as opposed to 62.It might be better to tap your nest egg first and wait to take Social Security until later.

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Decisions, Decisions http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Retirement/DecisionsDecisions/ Tue, 09 Oct 2012 00:00:00 Your Social Security benefits will be about 75 percent higher if you wait until 70 to collect as opposed to 62.It might be better to tap your nest egg first and wait to take Social Security until later.

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Year-End Gift Tax Planning Essentials http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Taxes/YearEndGiftTaxPlanningEssentials/ Mon, 01 Oct 2012 00:00:00 Will your year-end gifting positively impact or negatively affect you? Remember to set expectations and evaluate the consequences of every gift. Always double check with the recipient regarding gifting illiquid assets – especially if it is a family asset.

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Which standard is best? http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/FinancialPlanning/FiduciaryvsSuitabilityWhichstandardisbest/ Tue, 25 Sep 2012 00:00:00 It is important for you to ask your financial advisor which standard they adhere to – fiduciary or suitability. Make sure to do your due diligence & choose your advisor carefully.

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Availability Bias: Don’t Rely on Heuristic Decision Making http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/FinancialPlanning/AvailabilityBiasDontRelyonHeuristicDecisionMaking/ Tue, 18 Sep 2012 00:00:00 People have a tendency to make decisions that are too heavily influenced by readily available information that can lead to suboptimal outcomes when an overly simplified, heuristic approach is substituted for more rigorous analysis.

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How to Be Happy In Retirement http://www.fpanet.org/LifeGoals/Retiring/HowToBeHappyInRetirement/ Mon, 10 Sep 2012 00:00:00  

Retirement is more than just a math problem.  It takes more than a bulging bank account to be happy, but if you save enough, stay healthy and find purpose in your daily activities, you will be well on your way to a happy, fulfilling retirement.

 

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Don't Just Buy What You Know http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Investments/dontjustbuywhatyouknow/ Mon, 16 Apr 2012 00:00:00 Investors often embrace advice from accomplished professionals to, "buy what you know." 


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Financial Matters Following a Loved Ones Death http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Other/FinancialMattersFollowingaLovedOnesDeath/ Mon, 02 Apr 2012 00:00:00 In addition to receiving help from trusted advisers, utilize the following checklist to guide you on handling matters upon the death of a family member.

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Life Stages & Financial Planning http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/FinancialPlanning/LifeStagesFinancialPlanning/ Mon, 26 Mar 2012 00:00:00 Our financial needs and concerns vary according to our stages and circumstances of life, more so than they do with simple chronological age. This month we will discuss financial planning issues that relate to these stages in our lives, no matter what age they occur

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Mental Accounting: Think Twice Before Spending Your Tax Refund http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Taxes/ThinkTwiceBeforeSpendingYourTaxRefund/ Mon, 19 Mar 2012 00:00:00 Traditional economics holds that people act rationally and treat all dollars the same; but the reality is that people actually treat money differently depending on where it comes from.

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Long-term Health Care Planning http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/MedicalHealthIssues/LongtermHealthCarePlanning/ Mon, 12 Mar 2012 00:00:00 Incorporating aging into your planning process is important, especially when it relates to increasing health care costs and insurance premiums.

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Family Governance Essentials for Successful Wealth Planning http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/EstatePlanning/FamilyGovernanceforSuccessfulWealthPlanning/ Mon, 05 Mar 2012 00:00:00 By navigating the challenging issues and responsibilities associated with wealth, you can implement an effective family governance structure to cultivate cohesive decision-making.

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Introduction to Annuities http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Investments/IntroductiontoAnnuities/ Mon, 27 Feb 2012 00:00:00 Annuities can be relatively simple products, or extremely complex ones. This month we will look at the different types available and their chief features.

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The Fear & Pain of Going Against the Crowd http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Investments/TheFearPainofGoingAgainsttheCrowd/ Mon, 20 Feb 2012 00:00:00 Although the downside of following popular opinion is well documented, it is only recently that researchers have begun to understand why it so difficult for most people to go against the crowd.

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Think the Unthinkable http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Other/ThinktheUnthinkable/ Mon, 13 Feb 2012 00:00:00 In general, humans are very positive and optimistic, which is great. While this confidence serves you well most of the time, it can make you uncomfortable when you think about unexpected life changes such as a job loss, serious illness or death, or divorce.

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Wealth Planning & Protection Strategies http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/EstatePlanning/WealthPlanningProtectionStrategiesforYourFamily/ Mon, 06 Feb 2012 00:00:00 Refer to and apply the following insights to navigate your wealth planning and asset protection strategies.

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Overcoming Fear to Find Bargains http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Investments/OvercomingFeartoFindBargains/ Mon, 16 Jan 2012 00:00:00 Since emotional and cognitive biases are important forces behind irrational decisions, a good understanding of these biases can help you become a better investor.

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An Everyman’s Guide to Estate Planning http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/EstatePlanning/LeavingaLegacyAnEverymansGuidetoEstatePlanning/ Tue, 03 Jan 2012 00:00:00 While you may not be able to dictate your own destiny, you certainly can shape your legacy.

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My Brain Made Me Do It http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Retirement/MyBrainMadeMeDoIt/ Mon, 12 Dec 2011 00:00:00 Here are seven cognitive biases that could hurt your retirement and investment planning and suggestions for overcoming them.

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Divorce and Your Special Needs Child http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Divorce/DivorceandYourSpecialNeedsChild/ Mon, 05 Dec 2011 00:00:00 When there is a special needs child involved in a divorce, issues of child custody, visitation, and support and property division are significantly more complex to negotiate.

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Should I Replace My Life Insurance Policy? http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Insurance/ShouldIReplaceMyLifeInsurancePolicy/ Mon, 28 Nov 2011 00:00:00 When an insurance agent recommends a replacement, it may be a good idea for you and your family - or it may just be a good idea for the agent. Careful analysis is required, and you should seek the help of a financial planner.

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Hindsight Bias: The Reason Hindsight is 20/20 http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Investments/HindsightBiasTheReasonHindsightis2020/ Mon, 21 Nov 2011 00:00:00 An understanding of hindsight bias and other aspects of behavioral finance can make you a better investor by increasing awareness of the irrational forces that can drive investment decisions.

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Promise and Peril of New Year Money Resolutions http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Other/ThePromiseandPerilofNewYearMoneyResolutions/ Mon, 14 Nov 2011 00:00:00 To improve the chances of reaching your financial goals in the coming year, it is important to remember the promise and perils of New Year resolutions.

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Financial Planning Insights for International Divorce http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Divorce/FinancialPlanningInsightsforInternationalDivorce/ Mon, 07 Nov 2011 00:00:00 You can alleviate qualms about the viability of international divorce by familiarizing yourself with these pointers and becoming knowledgeable of significant financial and family implications.

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It Starts With One Good Decision http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Other/ItStartsWithOneGoodDecision/ Mon, 31 Oct 2011 00:00:00 Maintaining and improving your financial well-being can begin by making one good decision daily.

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A Checklist for Open Enrollment http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Checklists/Employment/AChecklistforOpenEnrollment/ Mon, 24 Oct 2011 00:00:00 This is the time of year to plan for what next year may look like and make your best guess as to what benefits you may need in terms of health, life, and disability insurance, pre-tax reimbursement plans and your retirement plan.

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Know Your Enemy: Cognitive Behavioral Biases http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Investments/KnowYourEnemyCognitiveBehavioralBiases/ Mon, 17 Oct 2011 00:00:00 You can be your own worst enemy if you do not have the proper perspective on your investment portfolio.

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Retrain Your Brain for Financial Success http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Other/RetrainYourBrainforFinancialSuccess/ Mon, 10 Oct 2011 00:00:00 The benefits of spending money are tangible and immediate. We immediately experience flavors, fun, and the envy of our neighbors.

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Retirement and Employee Benefits During Divorce http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Divorce/RetirementandEmployeeBenefitsDuringDivorce/ Mon, 03 Oct 2011 00:00:00 As your divorce decision-making has a direct impact on your future security, make sure you comprehensively evaluate your employee benefits and plan ahead by knowing the following significant insights.

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Estate Planning for the Middle Class Part 5 http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/EstatePlanning/EstatePlanningfortheMiddleClassPart5/ Mon, 26 Sep 2011 00:00:00 Most people give to charities throughout their lives, but often neglect to endow that charitable giving at their death.

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Preferred Stock Basics http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Investments/PreferredStockBasics/ Tue, 20 Sep 2011 00:00:00 While much attention has been focused on this investment and the “vote of confidence” that it represents, many investors remain unaware of the basic characteristics of preferred stock.

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10 Essential Documents for Retirement http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Retirement/10EssentialDocumentsforRetirement/ Mon, 12 Sep 2011 00:00:00 The following are 10 essential documents you will need to successfully navigate retirement.   

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Relocating With Children After Divorce http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Divorce/RelocatingWithChildrenAfterDivorce/ Tue, 06 Sep 2011 00:00:00 Without a doubt, relocation cases - in which a divorced parent seeks to move away with the child - are among the knottiest problems facing family courts.

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Estate Planning for the Middle Class Part 4 http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/EstatePlanning/EstatePlanningfortheMiddleClassPart4/ Mon, 22 Aug 2011 00:00:00 Most people have the misconception that their will dictates how property is distributed at their death. In fact, the will doesn't even come into play until after all possible property is distributed by ownership designation and beneficiary arrangements.

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The U.S. Debt Rating Downgrade & Your Money http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/CreditDebt/TheUSDebtRatingDowngradeYourMoney/ Mon, 15 Aug 2011 00:00:00 Recently the credit rating for U.S. treasury bonds was downgraded by Standard & Poor’s (S&P) for the first time in history. Now that U.S. government debt no longer enjoys the highest possible rating, many investors are wondering about the ramifications of the downgrade.

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The House Decision in Divorce http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Divorce/TheHouseDecisioninDivorce/ Mon, 01 Aug 2011 00:00:00 The home is typically the largest marital asset. The decision to stay or not to stay in it is not just a financial one, but often a highly emotional one.

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Estate Planning for the Middle Class http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/EstatePlanning/EstatePlanningfortheMiddleClassPart3/ Mon, 25 Jul 2011 00:00:00 It's easy to see that with the help of a financial planner, an attorney and a few basic estate planning documents, you can potentially avoid some very serious problems down the road.

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Initial Public Offerings: Historical Returns http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Investments/InitialPublicOfferingsHistoricalReturns/ Mon, 18 Jul 2011 00:00:00 Initial public offerings may seem exciting, but what are the historical returns on initial public offerings?

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Indebted: Now What http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/CreditDebt/IndebtedNowWhat/ Mon, 11 Jul 2011 00:00:00 A look at financial behavior and the choices to which that behavior leads is a good place to start when devising a debt reduction strategy.

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When Should You Select a Professional Trustee? http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/EstatePlanning/FinancialFamilyMattersWhenShouldYouSelectaTrustee/ Tue, 07 Sep 2010 00:00:00 Selecting the right family or professional trustee(s) to be responsible for investing and distributing your estate is one of the most important decisions in executing an estate plan and preserving your family legacy.

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Financial Planning for Your Family’s Well-being http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/FinancialPlanning/FinancialPlanningforYourFamilysWellbeing/ Mon, 30 Aug 2010 00:00:00 As a current member of the evolving Sandwich Generation spanning in age from the 30s to the 60s, you may feel the ever-challenging financial squeeze of simultaneously caring for you and your spouse, your aging parents and your dependent children.

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Are You Vulnerable to Identity Theft? http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Other/CheckYourVulnerabilityforIdentityTheft/ Mon, 23 Aug 2010 00:00:00 Security experts say that identity theft evolves as quickly as law enforcement and consumers find new ways of fighting back. What can you do? Here are some ideas.

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How to Appeal Your Property Taxes & Why You Should Consider It http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/HomeOwnership/HowtoAppealYourPropertyTaxesWhyYouShouldConsiderIt/ Mon, 16 Aug 2010 00:00:00 While housing prices in many communities have fallen, many local governments have failed to adjust their property tax valuations, meaning that many taxpayers still have homes with assessments based on the market’s peak in 2005 and 2006. Add that to the continued financial threat from a slow job market and stagnant pay raises, and expensive tax bills can put a considerable crimp in your financial picture.

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Eldercare is Expensive, so Planning & Negotiation are Key http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/MedicalHealthIssues/EldercareIsExpensiveSoPlanningandNegotiationAreKey/ Mon, 09 Aug 2010 00:00:00 Each day, millions of Americans discover an aging relative or friend needs help. It can mean planning for more services and assistance to get them through their daily lives or it can mean dealing with a sudden and serious health crisis.

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Get Your Student Off to the Right Financial Start at College http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Education/GetYourStudentOfftotheRightFinancialStartatCollege/ Mon, 26 Jul 2010 00:00:00 As the summer approaches and you are looking towards the Fall when your son or daughter will head off to college, it’s time to take some steps to help prepare your student to be financially responsible and protected.

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Your 2010 Mid-year Financial Planning Checkup http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/FinancialPlanning/Your2010MidyearFinancialPlanningCheckup/ Mon, 19 Jul 2010 00:00:00 Now is your ideal time to perform a mid-year financial checkup and determine the steps essential to improving your financial future in the second half of this year and going forward.

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For Love & Money: Divorce-proofing Finances in a Domestic Union (Part 2) http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Divorce/DivorceProofingFinancesinaDomesticUnionPart2/ Mon, 12 Jul 2010 00:00:00 The most common cause for divorce is debatable but nearly all studies rank financial stress among the top five contributing factors. In the second half of this two-part article, financial planners continue sharing how they help clients approach the financial transition that comes with a committed relationship.

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Retirement is Risky Business http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Retirement/RetirementisRiskyBusiness/ Mon, 28 Jun 2010 00:00:00 Everyone is familiar with the concept of risk. When you discuss risk with an investment professional, it’s typically in terms of market fluctuations and your individual risk tolerance. While market risk is an important factor, there are several other risks you will likely face in retirement.

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How to Lose a Financial Future in 90 Days http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/MedicalHealthIssues/HowtoLoseaFinancialFuturein90Days/ Mon, 21 Jun 2010 00:00:00 While the Health Care Reform may help you with your medical bills, it does nothing to help you replace your lost income when you are sick or recovering from an accident.

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How to Adjust Your Financial Plan for Inflation http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/FinancialPlanning/HowtoAdjustYourFinancialPlanforInflation/ Mon, 07 Jun 2010 00:00:00 http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/FinancialPlanning/HowtoAdjustYourFinancialPlanforInflation/ Is It Better to Lease or Buy a Car? http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Other/IsItBettertoLeaseorBuyaCar/ Tue, 01 Jun 2010 00:00:00 At this point, one side of you is undoubtedly attracted to the lower monthly payment of the lease. But the other side of you remembers always hearing that buying is the more responsible decision. As with most other financial decisions, there is no single "right" answer for everyone. The answer for you is…it depends.

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Financial Planning for Americans Overseas http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/FinancialPlanning/FinancialPlanningforAmericansOverseas/ Mon, 24 May 2010 00:00:00 http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/FinancialPlanning/FinancialPlanningforAmericansOverseas/ Retirement Runway: Calculating and Securing Income http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Retirement/RetirementRunwayCalculatingandSecuringIncome/ Tue, 18 May 2010 00:00:00 http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Retirement/RetirementRunwayCalculatingandSecuringIncome/ The European Debt Crisis: What It Means to You http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Other/TheEuropeanDebtCrisisWhatItMeanstoYou/ Mon, 10 May 2010 00:00:00 http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Other/TheEuropeanDebtCrisisWhatItMeanstoYou/ Coping with Alzheimer's: Are You Prepared? http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/MedicalHealthIssues/CopingwithAlzheimersAreYouPrepared/ Mon, 03 May 2010 00:00:00 http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/MedicalHealthIssues/CopingwithAlzheimersAreYouPrepared/ Why “Fiduciary” Matters to You http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/FinancialPlanning/WhyFiduciaryMatterstoYou/ Mon, 26 Apr 2010 00:00:00 http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/FinancialPlanning/WhyFiduciaryMatterstoYou/ Navigate Your Retirement http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Retirement/NavigateYourRetirement/ Mon, 19 Apr 2010 00:00:00 http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Retirement/NavigateYourRetirement/ Until Death Do You Part: Financial Pre-Planning During Marriage http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/FinancialPlanning/FinancialPrePlanningDuringMarriage/ Mon, 12 Apr 2010 00:00:00 http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/FinancialPlanning/FinancialPrePlanningDuringMarriage/ What to Do if You're Facing Foreclosure http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/HomeOwnership/WhattoDoifYoureFacingForeclosure/ Mon, 05 Apr 2010 00:00:00 If you are among the millions at risk of losing your house, what should you do? To be sure, the amount of information available can be overwhelming, even contradicting. Couple that with the fact that this can be a frightening, emotionally taxing period and it is not surprising that many borrowers who find themselves underwater on their mortgage or in danger of default do not do anything until it may be too late.

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IRA vs. Roth IRA: Which is Appropriate and When? http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Retirement/IRAvsRothIRAWhichisAppropriateandWhen/ Mon, 29 Mar 2010 00:00:00 In a tax code rife with acronyms, even savvy investors are confused by popular retirement vehicles like traditional Individual Retirement Accounts (IRAs) and Roth IRAs. Understanding these subtle differences can help you strategically plan for retirement.

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What Do All Those Financial Designations Mean? http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Other/WhatDoAllThoseFinancialDesignationsMean/ Mon, 22 Mar 2010 00:00:00 http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Other/WhatDoAllThoseFinancialDesignationsMean/ Making the Most of the New Post 9-11 G.I. Bill http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Other/MakingtheMostoftheNewPost911GIBill/ Mon, 08 Mar 2010 00:00:00 http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Other/MakingtheMostoftheNewPost911GIBill/ The Generational Communication Gap http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/EstatePlanning/TheGenerationalCommunicationGap/ Mon, 01 Mar 2010 00:00:00 http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/EstatePlanning/TheGenerationalCommunicationGap/ Do It Yourself Financial Planning http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/FinancialPlanning/DoItYourselfFinancialPlanning/ Mon, 22 Feb 2010 00:00:00 http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/FinancialPlanning/DoItYourselfFinancialPlanning/ Managing Risk in Your Financial Life http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Other/ManagingRiskinYourFinancialLife/ Wed, 17 Feb 2010 00:00:00 http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Other/ManagingRiskinYourFinancialLife/ Choosing Your Retirement Health Coverage http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/MedicalHealthIssues/ChoosingYourRetirementHealthCoverage/ Mon, 08 Feb 2010 00:00:00 http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/MedicalHealthIssues/ChoosingYourRetirementHealthCoverage/ Financial Life Planning: Why Combining Money & Meaning Matters http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/FinancialPlanning/FinancialLifePlanningWhyCombiningMoneyMeaning/ Mon, 01 Feb 2010 00:00:00 http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/FinancialPlanning/FinancialLifePlanningWhyCombiningMoneyMeaning/ Make Your Estate Plan Disaster Proof http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/EstatePlanning/MakeYourEstatePlanDisasterProof/ Mon, 25 Jan 2010 00:00:00 http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/EstatePlanning/MakeYourEstatePlanDisasterProof/ Asset Allocation in a Crisis http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Investments/AssetAllocationinaCrisis/ Tue, 19 Jan 2010 00:00:00 http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Investments/AssetAllocationinaCrisis/ What Will Happen To Your Retirement Values in 2010? http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Retirement/WhatWillHappenToYourRetirementValuesin2010/ Fri, 08 Jan 2010 00:00:00 You may have sought good advice, created a sound financial plan, and done everything right — only to discover you'll have less retirement income than you thought.

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Withdrawal Rates: Rules of Thumb to Spend Wisely http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Retirement/WithdrawalRatesRulesofThumbtoSpendWisely/ Mon, 21 Dec 2009 00:00:00 when the rate goes above the safe rate? Higher than desired withdrawal rates are indeed a "when" proposition. There are two ways a withdrawal rate increases. ]]> http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Retirement/WithdrawalRatesRulesofThumbtoSpendWisely/ New Year Money Resolutions for 2010 http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/FinancialPlanning/NewYearMoneyResolutionsfor2010/ Mon, 14 Dec 2009 00:00:00 This time of year, many Americans start to ponder the year just passed and the year to come. ]]> http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/FinancialPlanning/NewYearMoneyResolutionsfor2010/ Roth Conversions: What is New for 2010 and Beyond? http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Retirement/RothConversionsWhatisNewfor2010andBeyond/ Mon, 07 Dec 2009 00:00:00 http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Retirement/RothConversionsWhatisNewfor2010andBeyond/ Building a Financial Plan? Factor in Human Capital http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Employment/BuildingaFinancialPlanFactorinHumanCapital/ Mon, 30 Nov 2009 00:00:00 http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Employment/BuildingaFinancialPlanFactorinHumanCapital/ Getting a Divorce? What it Means for Your Business http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Divorce/GettingaDivorceWhatitMeansforYourBusiness/ Mon, 23 Nov 2009 00:00:00 http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Divorce/GettingaDivorceWhatitMeansforYourBusiness/ Long-term Care Costs. What Should You Consider? http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/MedicalHealthIssues/LongtermCareCostsWhatShouldYouConsider/ Mon, 16 Nov 2009 00:00:00 http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/MedicalHealthIssues/LongtermCareCostsWhatShouldYouConsider/ 7 Steps to Create a Self-investment Plan http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/FinancialPlanning/7StepstoCreateaSelfinvestmentplan/ Mon, 02 Nov 2009 00:00:00 http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/FinancialPlanning/7StepstoCreateaSelfinvestmentplan/ Have Medicare? Plan for Health Care Expenses http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/MedicalHealthIssues/HaveMedicarePlanforHealthCareExpenses/ Tue, 27 Oct 2009 00:00:00 http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/MedicalHealthIssues/HaveMedicarePlanforHealthCareExpenses/ Protect Your Legacy. Update Your Estate Plan. http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/EstatePlanning/ProtectYourLegacyUpdateYourEstatePlan/ Mon, 19 Oct 2009 00:00:00 http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/EstatePlanning/ProtectYourLegacyUpdateYourEstatePlan/ Protect Your Future with Long-term Care Insurance http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/MedicalHealthIssues/ProtectYourFuturewithLongtermCareInsurance/ Mon, 12 Oct 2009 00:00:00 It’s not necessarily easy to predict whether you might need long-term care when you age. But you can at least evaluate whether long-term care insurance might make sense or not. ]]> http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/MedicalHealthIssues/ProtectYourFuturewithLongtermCareInsurance/ Financial Planning: The Purpose and Benefits http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/FinancialPlanning/FinancialPlanningThePurposeandBenefits/ Mon, 05 Oct 2009 00:00:00 http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/FinancialPlanning/FinancialPlanningThePurposeandBenefits/ A Financial Planning ToolKit to Get Debt Free http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/CreditDebt/AFinancialPlanningToolkittoGetDebtFree/ Mon, 28 Sep 2009 00:00:00 When it comes to getting out of debt, financial planners suggest that you need a financial planning toolkit. But what kind of tools belong in the kit? A recent article in the Journal of Financial Planning suggests the following.

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Financial Planning for Cancer Survivors http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/MedicalHealthIssues/FinancialPlanningforCancerSurvivors/ Mon, 21 Sep 2009 00:00:00 There’s nothing quite like an illness to reek havoc  with your financial plan. And that’s especially the case when it comes to advanced cancer. ]]> http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/MedicalHealthIssues/FinancialPlanningforCancerSurvivors/ Investing in Municipal Bonds? Are There Risks? http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Investments/InvestinginMunicipalBondsArethereRisks/ Mon, 14 Sep 2009 00:00:00 http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Investments/InvestinginMunicipalBondsArethereRisks/ Ready for a Rainy Day? Why You Need an Emergency Fund http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Savings/ReadyforaRainyDayWhyYouNeedanEmergencyFund/ Tue, 08 Sep 2009 00:00:00 http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Savings/ReadyforaRainyDayWhyYouNeedanEmergencyFund/ Your Financial Plan After the Recession http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/FinancialPlanning/YourFinancialPlanAftertheRecession/ Mon, 31 Aug 2009 00:00:00 http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/FinancialPlanning/YourFinancialPlanAftertheRecession/ Rent or Buy? What Should You Do? http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/HomeOwnership/RentorBuyWhatShouldYouDo/ Mon, 24 Aug 2009 00:00:00 http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/HomeOwnership/RentorBuyWhatShouldYouDo/ How to Handle a Divorce Settlement http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Divorce/HowtoHandleaDivorceSettlement/ Mon, 17 Aug 2009 00:00:00 It’s not a certainty, but the odds are high that your spouse and you might get divorced some day. And should that happen, you’ll have to figure out what to do with your divorce settlement.

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Build a Sound Financial Plan! http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/FinancialPlanning/BuildaSoundFinancialPlan/ Mon, 10 Aug 2009 00:00:00 http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/FinancialPlanning/BuildaSoundFinancialPlan/ Economic Trends and Your Financial Plan http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/FinancialPlanning/EconomicTrendsandYourFinancialPlan/ Tue, 04 Aug 2009 00:00:00 It’s hard not to read stories about economic trends these days and not wonder how such things affect your investments and financial plan. ]]> http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/FinancialPlanning/EconomicTrendsandYourFinancialPlan/ Be Proactive: Plan for Long-term Care http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/MedicalHealthIssues/BeProactivePlanforLongtermCare/ Mon, 27 Jul 2009 00:00:00 A recent study shows that the cost of long-term care associated with Alzheimer’s disease could be staggering. ]]> http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/MedicalHealthIssues/BeProactivePlanforLongtermCare/ Facing Foreclosure? Save Your Home http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/HomeOwnership/FacingForeclosureSaveYourHome/ Tue, 21 Jul 2009 00:00:00 The housing crisis took a breather for a bit. But now, foreclosures are on the rise, again. ]]> http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/HomeOwnership/FacingForeclosureSaveYourHome/ Estate Planning: Safeguard Your Wishes http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/EstatePlanning/EstatePlanningSafeguardYourWishes/ Mon, 13 Jul 2009 00:00:00 In the case of America’s most favorite icon, all chaos could follow in the wake of your death if you’re not careful about your estate plan.

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Just Married? Financial Planning for Newlyweds http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/FinancialPlanning/JustMarriedFinancialPlanningforNewlyweds/ Mon, 06 Jul 2009 00:00:00 http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/FinancialPlanning/JustMarriedFinancialPlanningforNewlyweds/ Prepare for the Unexpected http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/ Mon, 29 Jun 2009 00:00:00 http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/ Secure Your Retirement Savings http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Retirement/SecureYourRetirementSavings/ Mon, 22 Jun 2009 00:00:00 Financial planners are exploring ways to insure your investment portfolio, and especially your retirement portfolio, against the risk of bear markets.

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Medical Bankruptcy — Are You at Risk? http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/MedicalHealthIssues/MedicalBankruptcyAreYouatRisk/ Mon, 15 Jun 2009 00:00:00 One risk that you should definitely try to manage, through insurance and other means, is the risk of bankruptcy due to illness and medical bills. It’s both large and increasing.

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GM Bankruptcy — How It May Affect You http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Other/GMBankruptcyHowItMayAffectYou/ Mon, 08 Jun 2009 00:00:00 http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Other/GMBankruptcyHowItMayAffectYou/ Have a Credit Card? Learn Your New Bill of Rights http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Other/HaveaCreditCardLearnYourNewBillofRights/ Mon, 01 Jun 2009 00:00:00 http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/Other/HaveaCreditCardLearnYourNewBillofRights/