Business Articles

February 08, 2016

Topic: Estate

It’s Personal! 5 Tips for Avoiding Family Conflict Over Personal Property

by Cymbre Van Fossen, Vice President - Trust & Investments, First Business Trust & Investments We’ve all heard “it’s not personal” when it comes to keeping emotion out of business and money matters. But …
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November 25, 2015

Topic: Estate

Year-End Charitable Giving

With the holiday season upon us, and the end of one year and the start of another approaching, we pause to give thanks for our blessings and the people in our lives. It is also a time when charitable giving often comes to mind. Charitable giving can …
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November 17, 2015

College Saving Options

College costs For the 2014/2015 college year, the average annual cost of attendance (known as the COA) at a four-year public college for in-state students is $23,410, the average cost at a four-year public college for out-of-state students is …
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November 17, 2015

Determining Eligibility for Social Security Benefits

What is it? Before you receive any Social Security benefits, the Social Security Administration (SSA) will need to determine your eligibility. Remember that Social Security is an insurance system designed to pay you benefits during times of …
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November 17, 2015

Determining the Value of Your Business

What is valuation? Assignment of price or dollar value The basic concept of valuation is to determine a justifiable dollar value or price for a total or partial interest in your closely held business. It is the process of answering the …
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November 17, 2015

Estimating College Costs

What is the forecast for college cost increases? You've seen the charts--a college education is expensive. All those benefits of personal growth, expanded horizons, and increased lifetime earning power come at a price, a price that increases …
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November 17, 2015

Inheriting an IRA or Employer-Sponsored Retirement Plan

What is it? When the account owner of a traditional individual retirement account (IRA) or employer-sponsored retirement plan dies, the remaining funds in the account pass to the named beneficiary (or beneficiaries). Unlike many other inherited …
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November 17, 2015

Introduction to Estate Planning

What is estate planning? Simply stated, estate planning is a method for determining how to distribute your property during your life and at your death. It is the process of developing and implementing a master plan that facilitates the …
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November 17, 2015

Introduction to Investment Planning

What is investment planning?The investment planning processIf you're fortunate enough to have money left over after paying the costs of living, you may be able to make that extra money go to work for you by investing it to earn a financial return. …
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November 17, 2015

Life Insurance: Estate Planning

What is life insurance? A contract Technically, life insurance is a contract between the policyowner (which can be you, "the insured," or a separate party) and an insurer. The policyowner agrees to make premium payments, and the insurer …
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November 17, 2015

Minimizing Estate Taxes

What is minimizing estate taxes? The act of giving away your property, either during life or at death, will probably be subject to one or more of several types of taxes (collectively referred to here as estate taxes), either on the federal …
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November 17, 2015

Organizing Your Finances After Your Spouse Has Died

What is it? Even if you've always handled your family's finances, you may be overwhelmed by the number of financial matters you have to settle in the weeks or months following your spouse's death. While you can put off some of these tasks, …
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