Category Archives: Money

Ideally we want a policy with variable payoff: payoff = where, P = payoff you want if you die today T = an appropriate length of time (not necessarily the term of the insurance; see the example of 20yr policy … Continue reading →

http://www.molaw.com/california_estate_guide_ch6.php Most California married couples own their homes as “joint tenants,” because they want the surviving spouse to own the entire home, without any formal court proceeding to confirm the transfer. Unfortunately, owning property as “joint tenants” can seriously affect … Continue reading →

http://www.avvo.com/legal-guides/ugc/how-should-a-married-couple-hold-title-to-real-estate-in-california What are the options for holding title to real estate in California for Married Couples As a married couple in California, there are numerous ways that you can hold title to your real estate, which include but are not … Continue reading →

http://www.nolo.com/legal-encyclopedia/the-250000500000-home-sale-tax-exclusion.html If you qualify for the exclusion, you may do anything you want with the tax-free proceeds from the sale. You are not required to reinvest the money in another house. But, if you do buy another home, you can … Continue reading →

http://julianalee.com/buying/joint_vs_comm.htm Holding title as joint tenants or as community property involves a multitude of issues to be dealt with. Given that, let me narrow the issues to those two distinguishing features between taking title as joint tenants or community property … Continue reading →

source: http://www.ehow.com/facts_7627530_washington-state-right-survivorship-law.html Tenants in Common In Washington state, a domestic partnership or married couple are considered to hold their property as tenants in common unless they specify it as a joint tenancy. All tenants in common have equal rights to … Continue reading →

source: http://www.nolo.com/legal-encyclopedia/free-books/avoid-probate-book/chapter6-5.html If you live in a community property state, you and your spouse (or registered domestic partner) may be able to avoid probate by taking title to property as “community property with the right of survivorship.” If this option … Continue reading →

original source: http://seekingalpha.com/article/403871-warren-buffett-and-gold-follow-what-he-does-not-what-he-says The so-called “Oracle of Omaha”, billionaire Warren Buffett, has been making negative comments about gold for many years. Most recently, in his annual letter to Berkshire Hathaway (BRK.A,BRK.B) shareholders, he indulged in a long dissertation about gold, … Continue reading →

original source: http://www.merriman.com/advanced-portfolio-management/all-that-glitters-is-not-gold/ Merriman does not include a specific allocation to gold in our standard portfolios. This article, by Bryan Harris of Dimensional Fund Advisors, discusses why gold has not been an ideal long-term investment. It includes the following key … Continue reading →

excerpt from http://www.genywealth.com/targeted-retirement-funds Advantages of Targeted Retirement Funds – Instant diversification, matched to retirement date. – No need to rebalance or readjust asset allocaton, as you get older. The fund does so itself. – You can get by with owning … Continue reading →