Derivatives-An Introduction Derivatives are a type of security. Their value is dependent, or derived, from the value of underlying assets. These underlying assets could be stocks, bonds, commodities, currencies, interest rates, or market indexes. The value of the derivative will fluctuate according to the value of the underlying assets. However, derivatives are a broad [...]
Term Life Insurance Term life insurance is one of the cheapest and easiest to understand types of life insurance. It covers you for a specific period and can be a flexible source of coverage. In this article, we will go over the basic characteristics, types, and usefulness of term life insurance. Basic Characteristics Term [...]
Completing Form W9 If you receive a Form W9 you may be wondering why you got it and what to do with it. If you feel overwhelmed by tax forms, this article can help you. We will go over the purpose of a Form W9 and a step-by-step process of how to fill it out. [...]
Tax Changes for 2018 The passing of the new tax law has many people worried as tax season quickly approaches. You can rest assured, these changes will not show on this year’s tax returns, they will affect your taxes you file in 2019. However, you should be aware of the 2018 tax changes since [...]
Small Estate Affidavits in Arizona In Arizona, there are several legal avenues you can use to transfer property after someone passes. These include informal and formal probates, as well as small estate affidavits. Small estate affidavits can prove to be a simple low-cost tool when dealing with relatively small estates. In this article, we [...]
Intro to Options Options are a type of investment that can add a layer of diversification for sophisticated investors. They are versatile, yet complex and extremely risky. This article will not make you a professional, but it will give you a basic idea of what options are, how they work, and what they can [...]
Choosing Disability Insurance Disability insurance is insurance that will provide you with income if you become sick or injured to the point that you are unable to work. If you want an overview of how disability insurance works, you can read the Fundamentals of Disability Insurance. There are many different terms that you need [...]
Naming a Guardian for Your Children If you have any children under the age of 18, naming a guardian is a vital component of your estate planning process. In this article, we will go over what happens when you do not name a guardian for your children, how to name one, and questions [...]
7 Investing Mistakes You Do Not Want to Make Investing is a sensitive and extremely important process. It is vital that you avoid making poor investment decisions. Your future financial health depends on it. In this article, we will go over 7 investing mistakes to avoid. Doing so will help you to become a [...]
How Health Reimbursement Arrangements Work Health reimbursement arrangements are employer-provided benefits. They help employees cover health care expenses that are not covered by the Affordable Healthcare Act plans. In this article, we will go over the basics of how HRAs work. Funding HRAs HRAs are funded entirely by your employer. HRAs are not accounts, [...]
