Business Owner   Articles     Benefits and retirement plans       Benefit plans for small businesses       Group health insurance: a valued employee benefit       Health insurance for the self-employed       Key employee life and disability insurance       Retirement plans for small businesses       Understanding individual 401(k) plans       What employers need to know about workers' compensation insurance     Insuring a business       Business automobile insurance basics       Business interruption insurance       Business liability insurance basics       Business overhead expense insurance       Commercial general liability       Do you need crime insurance?       Income tax tips: business insurance       Insurance tips for business travelers       Insuring your home business       Professional liability coverage       Properly insuring your business       Should you self-insure your business?       Understanding your business owners policy       Why insure your business?     Starting a business       Choosing an entity for your business       Hiring your first employee       Record keeping for your own business       Starting or buying a business     Transferring or selling a business       Funding a buy-sell agreement with disability insurance       Funding a buy-sell agreement with life insurance       Transferring your family business   Decision Tools     Choosing an entity       Choosing a business entity       Comparison of LLCs, LLPs, and professional corporations       How C Corporations, Limited Liability Companies, and Limited Liability Partnerships Protect Personal Assets     Tax planning       Accelerating deductions/postponing income       Accelerating income/postponing deductions   FAQs     Home-based businesses       Can I deduct home office expenses?       If I work at home occasionally, am I entitled to a home office deduction?     Incorporating a business       Can I change my business from a C corporation to an S corporation?       Can I change my business from an S corporation to a C corporation?       Should I incorporate my business?     Noncompetition agreements       I am buying a business. Can I make the seller sign a noncompetition agreement?       My employer wants me to sign a noncompetition agreement. What is it? Is it legally binding?       Why does the buyer of my business want me to sign a noncompetition agreement?     Raising capital       Can I borrow money from my wholly owned business?       How can I raise capital for my business?     Valuing a business       How can I determine what my business is worth for estate and gift tax purposes?   Estate Planning   Articles     Estate planning basics       Estate planning--an introduction       Trust basics       Wills--the cornerstone of your estate plan     Life insurance       Life insurance and estate planning       Life insurance and terminal illness       Life insurance: do you need it?       Planning ahead for life insurance proceeds       The ins and outs of policy ownership     Medicaid planning       Medicaid and nursing home care       Medicaid and the principal residence       Medicaid planning basics     Probate       Bypassing probate       Understanding probate   Decision Tools     Estate planning basics       Common incapacity documents       Estate shrinkage       Federal estate tax estimator       Steps to estate planning success   Personal Finance   Articles     Financial basics       Establishing a budget       Getting started: establishing a financial safety net       Working with a financial advisor     Managing credit and debt       Contemplating bankruptcy       Debt consolidation       Understanding your credit report   FAQs     Bankruptcy       Can I buy a house even though I declared bankruptcy?       I can't pay my bills. Should I declare bankruptcy?       What's the difference between Chapter 7 and Chapter 13 bankruptcy?     Mortgages       I'm a first-time homebuyer, and I don't have a lot of cash to put down on a house. What type of mortgage would be best for me?       My mortgage includes a statement that a penalty may be imposed for early payoff. What does that mean?       Should I take out a home equity loan to pay for my child's tuition?       What's the difference between a home equity line of credit and a second mortgage?       Why do I have to purchase homeowners insurance in order to obtain a mortgage?     Selling a home       How do I figure the tax on the sale of my home?       I'm having a hard time selling my home. Should I take out a reverse mortgage?       I'm retired now and own my home outright, but I need money to live on. How can I use my home to raise some money without selling it?       Should I sell or rent out my present home?   Special Situations   Articles     Divorce       Dealing with divorce     Loss of a spouse       Claiming life insurance benefits       Organizing your finances when your spouse has died       Social Security survivor's benefits     Raising a family       And baby makes three       How much life insurance do you need?       The best ways to save for college       When your child has special needs     Sudden wealth       Sudden wealth   Decision Tools     Caring for an aging parent       Housing options for aging parents       Tips for caregivers   FAQs     Career planning       If I leave my job, will I lose my employer-sponsored health insurance?       If my employer goes out of business and discontinues its health insurance plan, am I still eligible for COBRA benefits?     Consumer protection       How can I protect myself against identity theft?       How do I stop those annoying telemarketing calls?     Sudden wealth       What's the best way to handle a financial windfall?       When I play the lottery, I have to choose between a lump sum and annual payments. Does it matter?     Terminal illness       Is there any way I can use life insurance to help cover my expenses if I become terminally ill?     Unmarried couples       Should my partner and I buy a house together even though we're not married?       Will my group health insurance cover my partner, even though we're not married?   Tax Planning   Articles     General tax planning       Am I having enough withheld?       Surviving an audit       Tax benefits of home ownership       Year-end tax planning     Tax credits and deductions       Education tax credits       Personal deduction planning       Qualifying for the home office deduction       Understanding personal tax credits     Taxes and insurance       Tax planning for annuities       Tax planning tips: life insurance       Tax tips: health insurance       Tax tips: long-term care insurance   Decision Tools     General tax planning       Accelerating deductions/postponing Income       Accelerating income/postponing deductions       Federal individual income tax fundamentals       Remarriage with children: income tax considerations   FAQs     Taxes and child support/alimony       Are alimony payments considered taxable income?       What are the tax implications of child support payments?     Taxes and home ownership       Can I deduct the cost of improvements or repairs I've made to my home?       How do I figure the tax on the sale of my home?       I refinanced my principal home last year and paid points. What are points, and can I deduct them on my tax return?       I rent my home out for two weeks each year. Do I have to show this rental income on my federal income tax return?       If I prepay next year's taxes this year, can I deduct them this year?       My town has assessed against me a real estate betterment for new sewer lines installed in my street. May I deduct this amount on my tax return?       We just bought our first home. What can we deduct from the settlement statement?