Planning for Long-Term Health Care
According to Bureau of the Census data, the number of persons older than 65 years will increase from 31 million (12.5% of the population) in 1990 to over 69 million (20% of the population) in 2030. Women achieving the age of 65 years in 1995 had ... [... more]
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What About Medical Savings Accounts?
By Barbara J. Newton and David Kohl of the Department of Agricultural and Applied Economics, Virginia Tech Lately we have heard a lot about this new thing called a Medical Savings Account (MSA), but not much information is available. Who can get ... [... more]
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Overall Market Appearance and Functionality
On-farm direct marketing provides a means to capture retail prices for produce grown on the farm and can be an outlet for other value-added products. Typically, onsite facilities are developed into a "roadside" stand operation that is open to [... more]
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Filing Insurance Claims after a Disaster
The following steps should be taken to file an insurance claim for disaster damage to your home. It's important to follow up on your call with a letter detailing the problem. Keep a copy of the letter. Begin cleanup and salvage as soon as ... [... more]
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Roth Individual Retirement Accounts (IRAs)
Roth IRAs are relatively new retirement investment plans for individuals. These plans have been available to U.S. taxpayers since 1998. With a few major exceptions, the rules for Roth IRAs are similar to the rules for traditional IRAs. Roth IRAs ... [... more]
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Traditional Individual Retirement Accounts (IRAs)
Since 1982, traditional Individual Retirement Accounts (IRAs) have been powerful retirement planning tools available to individuals. However, many Americans do not understand what an IRA is, how an IRA might help them, and if a traditional IRA is ... [... more]
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Use of Conservation Easements in Estate
What are the Tax Benefits of Donating a Conservation Easement? Conservation easements are legal agreements that restrict the type and amount of development that may take place on a particular parcel of land. Landowners may grant conservation ... [... more]
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Separate Property and Marital Property
The rights of spouses in property play an important role in any estate plan. "Property" as used in this publication refers to all property, including real property (land, buildings, fixtures, etc.) and personal property (stocks, bonds, [... more]
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Powers of Attorney
Powers of Attorney can be a powerful tool for handling financial and other affairs. The importance of a power of attorney increases if you become incapacitated in any way. The power of attorney is a legal document by which one person (called the ... [... more]
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Trust Basics
This publication gives a general overview of the use of trusts in estate planning. The terminology will be defined and the uses of trusts in estate planning generally described, but the particular types of trusts used in estate planning will not ... [... more]
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After a Disaster: Good News about Your Homeowner's ...
Many people are surprised about the extent of protection their homeowner's insurance policy offers. Although your policy may not cover flood damage to your home, it does offer some protection from loss due to natural disasters, such as ... [... more]
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Building Your Financial Team: Financial Planners
Financial matters are becoming increasingly complex - tax regulations are always changing, new investment vehicles are constantly being developed, and estate planning laws are constantly being revised. It's easy to get confused and fall into the ... [... more]
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