| Mortgage payment calculator. Consumer Calculators Consumer Encyclopedia Consumer Worksheets Easy to use, helpful guides offered through the Missouri State Attorney General's Office. Great Stuff! Home repair Car Buyers Auto Loan Payment calculator Life Choices Advance directive forms on pages 15-20 of Life Choices. |
| Be sure to cover your anatomy... |
| Chapter 7. Money and Your Second Life |
| While covering your assets. |
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| Protect your identity and feel safer using a pre-paid visa or mastercard for direct pay utility, mortgage, and e-commerce transactions, or mailing money as gifts. Some pre-paid visa cards are available at your local bank. Commerce Bank Gift Card Green Dot pre-paid cards available at local discount stores and some pharmacies. Click here for more info We have a e-commerce relationship with these on-line sources for pre-paid Mastercard... & Visa.. |
Prevent costly plumber visits and
Save dollars by keeping your drains maintained.
Save dollars by keeping your drains maintained.
| Before You File for Personal Bankruptcy: Information About Credit Counseling and Debtor Education FTC Facts for Consumers Credit Cards & Consumer Loans |
Federal Trade Commission Fair Debt Collection Your Rights |
People-to-people lending.
It's an old idea that's new again.
People who need money request it, and other people bid for the privilege of lending it
to them.
Prosper makes sure everything is safe, fair and easy.
It's an old idea that's new again.
People who need money request it, and other people bid for the privilege of lending it
to them.
Prosper makes sure everything is safe, fair and easy.
Are You Ready?
Beneficiary Designations
Charitable Opportunities
Elder Law Elements
Estate Planning for Unmarried Couples
Family Matters
Joint Tenancy Traps
Marital Matters
Solo Solutions
Supplemental Needs
Trustworthy Trusts
Unique Estate & Financial Challenges for Women
Beneficiary Designations
Charitable Opportunities
Elder Law Elements
Estate Planning for Unmarried Couples
Family Matters
Joint Tenancy Traps
Marital Matters
Solo Solutions
Supplemental Needs
Trustworthy Trusts
Unique Estate & Financial Challenges for Women
Archived Articles from Pocket Watch®:
| FINANCIAL CALCULATORS & PLANNERS Easy to use Excel based spreadsheets No new software to load or set up Download the Budget Planner demo Each calculator downloads in less than 20 seconds Preview our comprehensive financial calculators |
Visit DoItYourself.com - The Leading Home Improvement and Remodeling Website Featuring the Internet's Largest Hardware Superstore
IRS publications:
| Links to information, services and products are assembled by family caregivers. Our intent is to help save you time by finding resources to help you learn and make informed decisions. Family Caregivers are In Good Company is a website with links to articles and products on hundreds of websites on the World Wide Web. Although the sites linked to Family Caregivers are In Good Company have been reviewed and selected by family caregivers, the presence of a link does not represent an endorsement of the site by Family Caregivers are In Good Company. The sites that are listed within Family Caregivers are In Good Company are individually responsible for the content and accuracy of the information found in their site. This information is not meant to replace professional help. We encourage you to seek professional advice from a qualified accountant, lawyer, realtor, loan officer, physician or other medical professional. At the end of the day, we respect you make your own informed decisions. |
| Have a product or service to market on-line? Click on lemonade stand to learn more abbout advertising through affiliate relationships. |
| Thank You Janet L. Heitzig,CLU, ChFC, CLTC ,Principal Financial Group for sharing this article with us. Janet has studied extensively under Ed Slott, nationally-known CPA, tax-advisor, and IRA planning expert. (You may have seen Ed Slott programs on PBS.) “My personal mission is to give back to the community including using my business knowledge and expertise to help others achieve personal success.” Janet L Heitzig, CLU, ChFC, CLTC Principal Financial Group 14755 N Outer 40-Ste 110 Chesterfield, MO 63017 Phone 636-449-0734 Fax 1-866-488-0903 |
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| extra income can be a welcome benefit for families struggling to provide eldercare for loved ones at home. Under the right circumstances, this annualized medical expense for the cost of family members, friends or any other person providing care, could create an additional household income of up to $1,056 a month for a single surviving spouse of a veteran, up to $1,644 a month for a single veteran or up to $1,949 a month for a couple. |
The IRS does not initiate taxpayer communications through e-mail.
If you receive an unsolicited e-mail communication claiming to be from the IRS, please forward the original message to:
phishing@irs.gov
Create a new message
Drag and drop the phishing e-mail into the body of the new message. This ensures the original message is contained as an attachment with the
appropriate Internet headers)
Address the message to phishing@irs.gov and send it.
In addition, the IRS does not request detailed personal information through e-mail or ask taxpayers for the PIN numbers, passwords or similar secret
access information for their credit card, bank or other financial accounts.
http://www.irs.gov/privacy/article/0,,id=179820,00.html
(LINK TO ENTIRE IRS WEBPAGE)
If you receive an unsolicited e-mail communication claiming to be from the IRS, please forward the original message to:
phishing@irs.gov
Create a new message
Drag and drop the phishing e-mail into the body of the new message. This ensures the original message is contained as an attachment with the
appropriate Internet headers)
Address the message to phishing@irs.gov and send it.
In addition, the IRS does not request detailed personal information through e-mail or ask taxpayers for the PIN numbers, passwords or similar secret
access information for their credit card, bank or other financial accounts.
http://www.irs.gov/privacy/article/0,,id=179820,00.html
(LINK TO ENTIRE IRS WEBPAGE)
no income requirements or social
commitments... just pay two weeks
ahead and pick up your order on
designated date.
commitments... just pay two weeks
ahead and pick up your order on
designated date.
Publication 950 (8/2007), Introduction to Estate and Gift Taxes
No Return Needed
Generally, you do not need to file a gift tax return unless you give someone, other than your spouse, money or property worth more than the annual
exclusion ($11,000 in 2002, 2003, 2004 and 2005; $12,000 beginning in 2006) for that year. Although a return may be required, no actual gift tax will
become payable until the cumulative lifetime taxable gifts exceed the applicable exclusion amount. The donor is primarily responsible for the payment
of the Gift Tax. An estate tax return generally will not be needed unless the estate is worth more than the applicable exclusion amount ($1,000,000 for
2002) for the year of death. This amount is shown in the section under Unified Credit.
To reemphasize: Most relatively simple estates (cash, publicly traded securities, small amounts of other, easily valued assets and no special
deductions or elections or jointly held property) with a total value under $1,000,000 and a date of death in 2002 or 2003 and $1,500,000 and a date of
death in 2004 or 2005 do not require the filing of an estate tax return.
No Tax on the Person Receiving your Gift or Estate
The person who receives your gift or your estate generally will not have to pay any gift tax or estate tax because of it. In addition, that person will not
have to pay income tax on the value of the gift or inheritance received.
NOTE: There are some technical applications for "Income in Respect of Decedent" under §691 that will have to be considered for income earned but
not otherwise taxed prior to the date of death.
No Return Needed
Generally, you do not need to file a gift tax return unless you give someone, other than your spouse, money or property worth more than the annual
exclusion ($11,000 in 2002, 2003, 2004 and 2005; $12,000 beginning in 2006) for that year. Although a return may be required, no actual gift tax will
become payable until the cumulative lifetime taxable gifts exceed the applicable exclusion amount. The donor is primarily responsible for the payment
of the Gift Tax. An estate tax return generally will not be needed unless the estate is worth more than the applicable exclusion amount ($1,000,000 for
2002) for the year of death. This amount is shown in the section under Unified Credit.
To reemphasize: Most relatively simple estates (cash, publicly traded securities, small amounts of other, easily valued assets and no special
deductions or elections or jointly held property) with a total value under $1,000,000 and a date of death in 2002 or 2003 and $1,500,000 and a date of
death in 2004 or 2005 do not require the filing of an estate tax return.
No Tax on the Person Receiving your Gift or Estate
The person who receives your gift or your estate generally will not have to pay any gift tax or estate tax because of it. In addition, that person will not
have to pay income tax on the value of the gift or inheritance received.
NOTE: There are some technical applications for "Income in Respect of Decedent" under §691 that will have to be considered for income earned but
not otherwise taxed prior to the date of death.
Subprime Solution?
This week NOW on PBS
takes a look at
the non-profit organization
Just Price Solutions
and the man behind it, Brian Cosgrove.
Cosgrove identified a problem: many low or
moderate income borrowers were getting
steered into subprime scams because they had
low credit scores. But these scores were often
low because the home buyers simply didn't take
out enough loans or credit cards. Cosgrove's
goal was to help the millions of Americans with
lower incomes purchase a home without being
caught in a "subprime" nightmare.
This week NOW on PBS
takes a look at
the non-profit organization
Just Price Solutions
and the man behind it, Brian Cosgrove.
Cosgrove identified a problem: many low or
moderate income borrowers were getting
steered into subprime scams because they had
low credit scores. But these scores were often
low because the home buyers simply didn't take
out enough loans or credit cards. Cosgrove's
goal was to help the millions of Americans with
lower incomes purchase a home without being
caught in a "subprime" nightmare.
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Need to see the doctor?
Find reviews on
the best doctors
in your area at
Angie’s List. Check the List!
Home Inventory
Software
This software makes creating a home
inventory fun and easy. Once you have
completed your inventory, it is easy to
keep your information up to date. You can
download the Insurance Information
Institute new home inventory software for
free right now!
Software
This software makes creating a home
inventory fun and easy. Once you have
completed your inventory, it is easy to
keep your information up to date. You can
download the Insurance Information
Institute new home inventory software for
free right now!
| "The Credit Cardholders’ Bill of Rights: Balanced Reform" http://maloney.house.gov/index.php? option=content&task=view&id=1569&Itemid=61 |
| “THE CREDIT CARD ACCOUNTABILITY RESPONSIBILITY AND DISCLOSURE ACT” http://dodd.senate.gov/index.php?q=node/4401 |
Property Tax Credit MISSOURI
The Missouri Property Tax Credit Claim gives credit to
certain senior citizens and 100 percent disabled individuals for
a portion of the real estate taxes or rent they have paid for the year.
The credit is for a maximum of $750 for renters and
$1,100 for owners who owned and occupied their home.
The actual credit is based on the amount of
real estate taxes or rent paid and total household income
(taxable and nontaxable).
Click here for the Property Tax Credit Qualification Chart.
The Missouri Property Tax Credit Claim gives credit to
certain senior citizens and 100 percent disabled individuals for
a portion of the real estate taxes or rent they have paid for the year.
The credit is for a maximum of $750 for renters and
$1,100 for owners who owned and occupied their home.
The actual credit is based on the amount of
real estate taxes or rent paid and total household income
(taxable and nontaxable).
Click here for the Property Tax Credit Qualification Chart.
Homestead Preservation Credit MISSOURI
The Homestead Preservation Credit gives qualified senior citizens and 100 percent disabled individuals a credit on their real
estate property tax if those taxes increase 2.5 percent in a non-reassessment year or 5 percent in a reassessment year. The
credit would be for the amount that exceeds the 2.5 or 5 percent increase in taxes.
The act requires a legislative appropriation to fund the credit.
If the funding is less than 100 percent, the credit will be a flat
statewide percentage based on the appropriation amount.
This credit will be applied against the taxes for the following year.
The Homestead Preservation Credit gives qualified senior citizens and 100 percent disabled individuals a credit on their real
estate property tax if those taxes increase 2.5 percent in a non-reassessment year or 5 percent in a reassessment year. The
credit would be for the amount that exceeds the 2.5 or 5 percent increase in taxes.
The act requires a legislative appropriation to fund the credit.
If the funding is less than 100 percent, the credit will be a flat
statewide percentage based on the appropriation amount.
This credit will be applied against the taxes for the following year.
| TOP 10 THINGS to“CHECK OFF” BEFORE YOU“CHECK OUT” financial & legal checklist |
Ed Slott, CPA website IRA help.com
Ed Slott was named as “The Best” source for IRA advice by The Wall Street Journal
and called “America’s IRA Expert” by Mutual Funds Magazine.
Ed Slott was named as “The Best” source for IRA advice by The Wall Street Journal
and called “America’s IRA Expert” by Mutual Funds Magazine.
| Do you own a home in the City of Arnold,MO? Is IT more than 40 years old? Household income less than $52,000? Do you need a new roof, porch, or need to repair or update your bathroom, or make accessibility modifications? you may be eligible for a special rate loan Current rate is at 3%. between $2,500 - $15,000 monthly payment $50 to $150 City of Arnold Neighborhood Rebuilding Program special rate loans available for other St. Louis Metro areas for more information e-mail lindy.ratliff@umb.com or call 1-800-821-2171 extension 1654 Lindy Ratliff of UMB bank or call the Arnold UMB Branch 636-287-5299 |
TIPS ON PUMPING GAS
I don't know what you guys are paying for gasoline....Here in California we are also paying higher, up to $3.50 per
gallon. But my line of work is in petroleum for about 31 years now, so here are some tricks to get more of your
money's worth for every gallon.Here at the Kinder Morgan Pipeline where I work in San Jose , CA we deliver about 4
million gallons in a 24-hour period thru the pipeline. One day is diesel the next day is jet fuel, and gasoline, regular
and premium grades. We have 34-storage tanks here with a total capacity of 16,800,000 gallons.Only buy or fill up
your car or truck in the early morning when the ground temperature is still cold. Remember that all service stations
have their storage tanks buried below ground. The colder the ground the more dense the gasoline, when it gets
warmer gasoline expands, so buying in the afternoon or in the evening....your gallon is not exactly a gallon. In the
petroleum business, the specific gravity and the temperature of the gasoline, diesel and jet fuel, ethanol and other
petroleum products plays an important role. A 1-degree rise in temperature is a big deal for this business. But the
service stations do not have temperature compensation at the pumps.When you're filling up do not squeeze the
trigger of the nozzle to a fast mode. If you look you will see that the trigger has three (3) stages: low, middle, and
high. In slow mode you should be pumping on low speed, thereby minimizing the vapors that are created while you
are pumping. All hoses at the pump have a vapor return. If you are pumping on the fast rate, some of the liquid that
goes to your tank becomes vapor. Those vapors are being sucked up and back into the underground storage tank
so you're getting less worth for your money.One of the most important tips is to fill up when your gas tank is HALF
FULL or HALF EMPTY. The reason for this is, the more gas you have in your tank the less air occupying its empty
space. Gasoline evaporates faster than you can imagine. Gasoline storage tanks have an internal floating roof.
This roof serves as zero clearance between the gas and the atmosphere, so it minimizes the evaporation. Unlike
service stations, here where I work, every truck that we load is temperature compensated so that every gallon is
actually the exact amount.Another reminder, if there is a gasoline truck pumping into the storage tanks when you
stop to buy gas, DO NOT fill up--most likely the gasoline is being stirred up as the gas is being delivered, and you
might pick up some of the dirt that normally settles on the bottom.Hope this will help you get the most value for your
money.DO SHARE THESE TIPS WITH OTHERS...
I don't know what you guys are paying for gasoline....Here in California we are also paying higher, up to $3.50 per
gallon. But my line of work is in petroleum for about 31 years now, so here are some tricks to get more of your
money's worth for every gallon.Here at the Kinder Morgan Pipeline where I work in San Jose , CA we deliver about 4
million gallons in a 24-hour period thru the pipeline. One day is diesel the next day is jet fuel, and gasoline, regular
and premium grades. We have 34-storage tanks here with a total capacity of 16,800,000 gallons.Only buy or fill up
your car or truck in the early morning when the ground temperature is still cold. Remember that all service stations
have their storage tanks buried below ground. The colder the ground the more dense the gasoline, when it gets
warmer gasoline expands, so buying in the afternoon or in the evening....your gallon is not exactly a gallon. In the
petroleum business, the specific gravity and the temperature of the gasoline, diesel and jet fuel, ethanol and other
petroleum products plays an important role. A 1-degree rise in temperature is a big deal for this business. But the
service stations do not have temperature compensation at the pumps.When you're filling up do not squeeze the
trigger of the nozzle to a fast mode. If you look you will see that the trigger has three (3) stages: low, middle, and
high. In slow mode you should be pumping on low speed, thereby minimizing the vapors that are created while you
are pumping. All hoses at the pump have a vapor return. If you are pumping on the fast rate, some of the liquid that
goes to your tank becomes vapor. Those vapors are being sucked up and back into the underground storage tank
so you're getting less worth for your money.One of the most important tips is to fill up when your gas tank is HALF
FULL or HALF EMPTY. The reason for this is, the more gas you have in your tank the less air occupying its empty
space. Gasoline evaporates faster than you can imagine. Gasoline storage tanks have an internal floating roof.
This roof serves as zero clearance between the gas and the atmosphere, so it minimizes the evaporation. Unlike
service stations, here where I work, every truck that we load is temperature compensated so that every gallon is
actually the exact amount.Another reminder, if there is a gasoline truck pumping into the storage tanks when you
stop to buy gas, DO NOT fill up--most likely the gasoline is being stirred up as the gas is being delivered, and you
might pick up some of the dirt that normally settles on the bottom.Hope this will help you get the most value for your
money.DO SHARE THESE TIPS WITH OTHERS...
$6.95/mo JoiPhone Phone Line - Keep your number, w/Voice Mail, Call-Waiting, Caller-ID Fax to email
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NEAT Receipts is a scanning system that helps you
stay organized at home, at work, and on the go. It helps you scan
and organize all of the paper mess that piles up: from your mail
and bills, to business cards, receipts and business expenses, to
recipes, home warranties and insurance forms .Fight back against
paper clutter!Simplifies record-keeping for family caregivers
managing household finances for themselves and for others.
stay organized at home, at work, and on the go. It helps you scan
and organize all of the paper mess that piles up: from your mail
and bills, to business cards, receipts and business expenses, to
recipes, home warranties and insurance forms .Fight back against
paper clutter!Simplifies record-keeping for family caregivers
managing household finances for themselves and for others.
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