How Will You Pay For College?

OCEAN CITY — Fifty years ago, California’s master plan for higher education called for every state resident to be able to attend college tuition-free. It was a bold goal, but in 1960 it only reflected what the country as a whole seemed to believe — that a college degree was essential for success and should… Read more »

Eldercare: Will You Be Ready?

OCEAN CITY — There are few things more wrenching than realizing that an aging parent or loved one can no longer manage alone. In the flurry of decisions that follow — about living arrangements, responsibility for care and where the money will come from — family members may disagree about what’s best. Unfortunately, numerous adult… Read more »

Roth Conversions Get A New Boost

OCEAN CITY — In January, Congress passed the American Taxpayer Relief Act of 2012. Along with many much-discussed measures that allowed the government to avert the so-called fiscal cliff, the law contains a less publicized provision revising the rules surrounding Roth 401(k) plans.On the surface, the new rules provide employees with somewhat greater flexibility. But… Read more »

Tips On Financing A New Business

Tips On Financing A New Business

OCEAN CITY — In 2011, Americans created an average of 543,000 new businesses each month for an annual total of roughly 6.5 million, according to the Kauffman Index of Entrepreneurial Activity, a leading indicator of new business creation in the U.S. Despite a slow recovery, that was among the highest annual number of entrepreneurial ventures… Read more »

Talking To Kids About Money

Talking To Kids About Money

OCEAN CITY — It’s an age-old parenting dilemma. When a child begins to edge into adulthood, how do you make sure he or she has the knowledge and skills needed to make smart financial decisions?It’s critical to recognize that becoming financially independent is a journey —one that may take longer in today’s uncertain economy.“Achieving financial… Read more »

A Surprising Opportunity Abroad

A Surprising Opportunity Abroad

OCEAN CITY — In today’s low interest-rate environment, the search for higher-quality, higher-yield fixed income can sometimes seem like a fantasy. While low-risk standbys such as 10-year U.S. Treasury bonds and 10-year German bunds offer principal protection at their current yields of 1.8% and 1.5%, respectively, barely beat current inflation. Recently, bonds issued by some… Read more »