David Lerner Associates : Financial Literacy

David Lerner Associates : Financial Literacy

Cyber Security and Passwords
Online security has reached a fever pitch lately with hackers accessing political, business, and personal accounts all over the world.

Wealth Building Tips
Building wealth is entirely under your own control, despite what some schools of thought will tell you. All it takes is smart decisions and breaking bad habits.

Financial Literacy and Millennials
While Millennials are a generation that is exceptional in many ways - better educated than their predecessors, more ethnically diverse, and more economically active - according to studies they struggle with personal finance.

Dealing with Financial Stress
Managing stress levels is important, especially when it comes to your finances.

Retirement Planning for Entrepreneurs
Most of the time entrepreneurs are caught up with the stresses and details of running a small business and sometimes don't have the time or resources to plan for their own financial future.

Women and Money
In more than one third of American marriages, the woman out earns her husband. And although that's a long way off from an even 50%, it's a definite improvement on what the numbers looked like in 1987, when less than a quarter of women were the primary breadwinners in their families.

All about Mutual Funds
If you don't know about mutual funds, you might be inclined to run for the hills when you hear the term. But understanding mutual funds is essential if you have any interest in investing your money.

Understanding Your Finances
Understanding your finances comes down to understanding just a few key elements, definitions, and numbers that make up the sum total of your financial life.

Understanding Your Finances
Understanding your finances comes down to understanding just a few key elements, definitions, and numbers that make up the sum total of your financial life.

Why Write a Business Plan
Writing a business plan doesn't have to take months, compiling pages and pages of text. You can create a plan in under a month, working at your own pace. Use a presentation format like PowerPoint or Keynote to save time, and make it easier to share.

Raising Financial Literacy
While one might be forgiven for thinking that a lack of financial literacy is exclusively a problem with young people and students, 41% of adults gave themselves a grade of C, D, or F regarding their knowledge of personal finance.

College Grads and Financial Literacy
Unfortunately, college students are not well prepared for the real world financially speaking, because it is not taught.

Women and Financial Literacy - an issue that needs to be addressed
Financial literacy for women is an issue that needs to be addressed in the United States. Statistics show that women earn less than men and they also on average spend more years out of the workforce. This is alarming because women are getting the short end of the stick.

What To Do If You Are Hacked
November is Cyber Security Awareness Month. Hackers have exposed the personal information of 110 million Americans (roughly half of the nation's adults) in the last 12 months alone. That massive number is even more concerning by the amount of hacked accounts - up to 432 million.

Being a Financial Grown-Up
Financially speaking, it's time to face up to the idea that some "adulting" is required on the part of Millennials in their financial behavior.

Why Should You Have a Financial Plan?
October is Financial Planning Month and your attention should be firmly on your finances. The fact of the matter is that Americans are not doing enough when it comes to planning their finances.

Financial Literacy Stills Needs Improvement
A big problem for people today appears to be the inability of most to perform basic financial calculations or understand basic investment principles.

Financial Education
October is National Learning and Development Month. It's important in both your professional and personal lives to keep learning, broadening, and advancing your skills. Especially when it comes to your financial education.

FINRA Study Reveals Millennials Lack in Financial Capabilities
Given the financial challenges millennials face, the ability to make well-informed and effective financial choices is important for them. A FINRA National Study suggests that younger Americans lack the financial knowledge to make well-informed decisions and that they engage in behaviors that are detrimental to their financial health.

Women and Money - The Financial Gendar Gap
The World Economic Forum's Global Gender Gap Report shows that women are worse off this year. the pay gap is now at 64 percent.

FINRA Finds Most Americans are Financially Better Off in 2016
Americans are finding it easier to pay their bills and are increasingly satisfied with their finances, but this does not apply to everyone. Minorities and young people are still feeling the pinch

Financial Lessons for College Students
Almost 2 million students are expected to graduate this year, and according to some reports they'll be entering a very positive job market. Along with many other freedoms graduates will experience once they end their school career, they will also have to manage their own finances, probably for the first time.

Millennials Most Common Money Mistakes
Although young Americans who graduated this year are better off than their older siblings, they're still feeling some effects of the Great Recession. One thing they are doing right is starting to save earlier than previous generations, but their biggest money mistakes are not saving enough and holding what they do save in cash.

5 Personal Finance Tips for Women
While most financial tips apply to everyone, there are some that are more relevant to women. 90% of women will have to manage their finances on their own at some point in their life and unfortunately too many women lack confidence and hesitate to take control of their finances.

Money Tips for College Graduates
With the new school year approaching, proud families and students alike will be preparing for a new generation of graduates to enter the workplace. With the next chapter in their lives just around the corner, new financial concerns take precedence.

3 Financial Tips for the Real World
There are many and varied tips available for anyone looking to educate themselves on what the "experts" recommend when it comes to financial planning. The internet abounds with such tips and advice. However, some of these things are easier said than done, especially when it comes to the workaday world and trying to keep up in an ever-more-volatile economy. Let's take a look at some of these tips, and how they can be applied to the real world.

Hollywood's Financial Literacy Lessons for Women
Watching films can be a pastime usually considered pure fun or even escapism. Some films are more pertinent than others, especially when it comes to learning life lessons. Learning from other people's mistakes, even if they are fictional characters, could be beneficial for your future.

FINRAs Advice for Keeping Your Financial Data Secure
Identify theft has been the number one complaint reported to the FTC for 15 years running. In 2015, almost half a million cases were reported. The loss of financial data can be devastating, and it can take a long time to recover.

5 Personal Finance Tips for Women
While most financial tips apply to everyone, there are some that are more relevant to women. 90% of women will have to manage their finances on their own at some point in their life, and unfortunately, too many women lack confidence, and may hesitate to take control of their finances.

Cinderella's Personal Finance Lessons
Although women now control 70% of consumer spending worldwide, when it comes to controlling their finances, the numbers are less encouraging. A recent study by Key Private Bank showed that even among high net worth women, household finances are still predominantly controlled by men.

How to Overcome Barriers to Retirement Security
Many people face uncertainties and fears about their own retirement when it should be a well-deserved rest after a lifetime of hard work. A lack of planning may result in apprehensions and stress. There are plenty of obstacles Americans claim are in their way when it comes to saving for retirement: credit card debt, student loan debt, low wages, the need to save for a child's college education, and the list goes on.

Millennials and Financial Education
It may no longer come as a surprise to anyone that Millennials do not have an excellent grasp on the management on money. Studies suggest that even with greater financial burdens from economic uncertainty and student loans, they are still lagging behind in basic financial education.

Nervous Decisions are Costing Investors Money
The stock market is always moving up or down. The aim of all investors is to make money, but a recent study found that the roller-coaster nature of the market can lead some investors to make rash decisions that may cost them a lot of money.

College Students Personal Finance Grade a C or Worse
In a LendEDU study of 455 college students, 59% rated their ability to manage their money and their finances at a C grade or worse. The survey posed 25 questions to the students, covering how they felt about their financial knowledge to spending habits, budgeting, and saving.

Smart Money Lessons from the Very Wealthy
We believe that when someone shows success in a field we could learn a thing or two from them. A master craftsman knows how to create beautiful objects, and a professor with a doctorate degree can teach his students well. This idea holds true in the field of finances too - those who have made a lot of money know things that could help the rest of us do better.

Financial Planning Tips for Recent Graduates
As proud families celebrate and relieved graduates get ready to enter the workplace, new financial concerns take precedence. Now it's no longer about how to pay for their education, it's whether they'll get a job and how they'll manage on their own.

How Women's Roles in Family Finances are Changing
Back in the 50s, American women stayed at home and raised the children. In 1960, just over 10% of mothers were breadwinners, and 7% were single moms. By 2011, those numbers had jumped to 40% of mothers as the sole or primary provider, and 25% were single moms. In 2014, 34% were single mothers, and the trend is still on the rise.

Money Management Course Most Useful for Young Adults
Students often complain that they won't use what they study in school later in life. One course young adults 18 - 24 say they feel would be most useful is money management, according to a new survey from the National Financial Educators Council.

Elderly Financial Abuse
American seniors have historically been late adopters when it comes to technology. According to a Pew Research Center almost 90% of seniors with a college degree use the internet. With more and more mature Americans getting involved in the online community, the amount of scams targeting elders is ever on the rise.

Mother knows best
Motherly love goes a long way, and motherly advice apparently is more important than one might think. With Mother's Day recently being celebrated, as Americans armed themselves with bouquets of flowers, yummy chocolates and tear-jerking greeting cards, one thing that may not have been on the top of their list of things to consider was mom's money advice.

Money Smart Millennials
They watched their parents finances crushed in the recession and their own financial outlook darken in the times following, but Millennials are now raising their financial IQ collectively.

Smart Financial Advice for Female Entrepreneurs
Although there have been some real advances for women in the workplace over the past decade, there are still challenges. One way to circumvent these challenges is to start your own business.

Financial Literacy Lessons for Your Kids
Financial Literacy Month (also known as National Financial Capability Month) is an annual event taking place in April, centered on improving Americans' understanding of financial principles and practices. Here are some basic financial lessons that can be taught to our children that will be of great use to them as they grow.

Money Smart, Raising your Financial IQ
Money Smart Week was created by the Federal Reserve Bank of Chicago in 2002, and is a nationwide public awareness campaign designed to help the public better manage their personal finances and increase their financial literacy. Free seminars and activities are held around the country. The week runs from April 23-30.

Making the Best of Your Financial Education
The statistics speak for themselves. Americans are woefully under-informed about their finances - especially younger folks. The financial literacy of high school students has fallen to its lowest level ever with a score of just 48.3%.

Maintaining Financial Stability in Economic Uncertainty
The recession (meltdown) of 2008, was a big wake-up call for everyone. Fortunately, the collective anxiety that we experienced being on the brink of another Great Depression has passed, and the world's economy has recovered over the past 8 years. But we shouldn't forget the lessons that recent history has taught us. Here are some things that can be done to weather a potential financial storm.

David Lerner Associates: Estate Planning Essentials
An effective and smart estate plan is necessary if you want to make sure your assets are inherited by the intended parties, no matter the size of your estate. If done right, your plan can limit the taxes owed by the beneficiary. Here are some helpful tips.

David Lerner Associates: Monopoly and Financial Literacy
Playing Monopoly on game night has been a part of almost every American household for decades. One of the benefits of playing the board game was the financial literacy learning that took place. Now the game is being updated to reflect the current financial landscape - all transactions will be done via debit or credit card.

David Lerner Associates: Who Can Benefit From College Savings Plans?
There are many types of people who can benefit from college savings plans especially parents and grandparents of young children, casual investors, or anyone wanting to transfer wealth to another family member as part of an estate plan.

David Lerner Associates: April is Financial Literacy Month
The best investment you could make is financial education. It's an investment in your own financial future and the future of your family.

US Not in Top 10 for Basic Financial Literacy Test
When it comes to managing our personal finances, it appears that Americans could use a little help. In a recent global quiz, Americans did not even make the top 10!

David Lerner Associates: Money Smart Tips for Credit Card Debt [INFOGRAPHIC]
38 percent of American households carry some credit card debt. Americans between 45 and 54 years old have the highest balances of any age group. When you're getting close to retirement, this debt could be a significant barrier to future financial security.

David Lerner Associates: Money Smart Tips for Credit Card Debt
38 percent of all American households carry some credit card debt and the average for balance carrying households is $15,779. Americans between 45 and 54 years old appear to have the highest balances of any age group. Credit card debt is not a good idea at any age, but when you're getting close to retirement it could be a significant barrier to future financial security.

David Lerner Associates: Cyber Thieves Target Men More than Women
A new report claims that men are ripped off three times as much as women. There are many things you can do to stay safe from the digital bad guys. Using strong passwords, secure your computer, installing the latest operating system updates, protecting your data with encryption or passwords, and securing your wireless network are just a few things that can be done.

David Lerner Associates: Being Money Smart in Retirement
It's Money Smart week. A new study has found that Americans in their retirement years gradually lose the ability to manage their money. According to the study the ability to answer basic financial literacy questions wanes as age increases. However, the ability to confidently make financial decisions does not falter.

David Lerner Associates: How to Prevent Investment Fraud
According to the FBI there were over 1,800 cases of investment fraud in 2011, to the tune of $36 million in recoveries. That's just the amount they were able to recover, which gives you an idea of how big this problem really is. And according to current estimates, that trend will only increase with access to more sophisticated technology by fraudsters. Here are tips to avoid falling victim to these kind of scams.

David Lerner Associates: Lessons from the Richest Women in History
A recent about the richest women of all time used two interesting factors to decide who made the cut. The women had to have taken an active role in building their fortunes. They compared an individual's wealth to total global economic output at the time. The list includes well-known historical figures such as Cleopatra and Catherine the Great, as well as a few current female billionaires.

David Lerner Associates: Financial Tools are Just the Beginning
One big worry for many Americans in the prime of life is their financial future - how to pay for their kid's college, when to retire, and whether they'll have enough to retire on are major concerns. April is Financial Literacy Month, a good time to reevaluate financial plans and make sure that the calculations those plans are based on are valid.

David Lerner Associates: IRS Data Theft and the Need to Protect your Personal Information
The U.S. Treasury has released a revised and far scarier picture of the cyber-attack suffered by the IRS last year. Initially, it was thought that just over 100,000 people were affected by the incident, but now they're saying it was over 700,000. That raises the issue of online security and the need to protect your information, as well as staying alert to tax scams as we head into another tax season.

David Lerner Associates: Women Need to be More Hands-On Financially
It's important for everyone to keep tabs on their finances, but it seems that women lag behind men when it comes to taking control and planning for a secure financial future. Women face unique challenges that add up to different financial needs. Prudential's 2014-2015 Research Study, "Financial Experience and Behaviors Among Women," shows that although more women are taking control of household finances, they're no more prepared to meet long-term financial goals than they were a decade ago.

David Lerner Associates: Women Trailing Men in Financial Fitness
Most Americans were affected by the Great Recession, and the thought of another future financial shock makes us very uneasy. Women are particularly vulnerable, says a study from FINRA, 2012 National Financial Capability Study, and it's taking a toll on their lives with higher stress levels, reduced productivity, and decreased well-being. Only 37% of the women surveyed were rated financially fit as opposed to 45% of men.

David Lerner Associates: Deadly Investment Mistakes
Making investment mistakes can be very costly for obvious reasons, and so they should be avoided if possible. Workers and retirees have been shouldered with an increased burden of taking personal responsibility for their own retirement and savings. Here are some "deadly investment sins" that should be avoided.

David Lerner Associates: Financial Education is Your Best Investment
Ignorance can be costly, especially when it comes to your financial literacy. Investing time and energy into financial education could be one of the best investments you can make.

The Key to Understanding Your Finances
Fortunately, understanding your finances is not as daunting as it might sound. It comes down to understanding some key elements, definitions, and numbers that make up the sum total of your financial life. Here are the things you'll need to know in order to get a good picture of your fiscal health and help you understand your finances.

David Lerner Associates: Finances, Health, and Credit Can Affect Your Love Life
A recent survey by Nerdwallet showed that 60 percent of women ranked a potential partner's financial situation as important to them. Almost half (44 percent) feel that financial responsibility is more important than attractiveness in a romantic partner. This applies to men too, although the numbers differ according to age groups.

David Lerner Associates: Sound Investment Strategies
Building a healthy investment portfolio requires some well-thought-out strategies and a smart investment mindset. It requires financial literacy. Whether you are a new investor or a seasoned veteran, here are some tips that could improve your chances of a creating a successful investment portfolio.

David Lerner Associates: National Entrepreneurship Week: Millennials vs Boomers
As America focuses attention on entrepreneurs this week, one of the troubling statistics is the slow decline of startups. Census data and other studies show that the number of companies less than a year old had declined as a share of all businesses by nearly 44 percent since 1978. As every entrepreneur knows, starting a new business can be very challenging. It requires talent, skill, and resources.

David Lerner Associates: How to Build an Emergency Fund
Creating a healthy emergency fund can be a lofty and intimidating goal. But in these uncertain economic times, such a fund is needed more than ever yet almost two-thirds of Americans are not prepared to for unexpected expenses.

David Lerner Associates: How to Retire Wealthy
If you're under 40, your most valuable asset isn't youthful vigor or a full head of hair. It's time. Retirement is decades away, and contributions to a 401(k) or other retirement plan will have years to compound and grow.

David Lerner Associates: Financial Wellness Basics
Ask one hundred people, and you're sure to find that the great majority of them would agree. We all want more stable finances. We all want what is now being referred to as "Financial Wellness." We aren't talking about the difference between wealth and poverty here. We aren't talking about hand-to-mouth versus upper affluent income brackets. We're talking about a quality of life and a healthy financial life.

David Lerner Associates: Millennials and Financial Literacy
Millennials are exceptional in many ways - better educated than their predecessors, more ethnically diverse, and more economically active, but according to a study, even though they're burdened with student loan debts and economic uncertainty, Millennials know little about personal finance.

David Lerner Associates: Confidence Plays a Part in the Financial Gender Gap
Women in the U.S. lag behind men in three main areas of their finances: earnings, investments, and savings. A recent Fidelity study identified a major factor that contributes to this issue - women lack confidence when it comes to handling their finances. Just 28 percent of respondents said they felt confident when it comes to picking investments without help, and 37 percent felt confident about handling retirement planning on their own.

David Lerner Associates: 2016 Financial Planning Checklist
As we near the end of the year it makes sense to start planning for the New Year. Here is a Financial Planning checklist you can use to prepare for 2016.

David Lerner Associates: Women and Work
Why salary, benefits and work-life balance count. Now that women make up a large part of the workforce it's important for women to take charge of their career path and financial rewards.

Women Need to be Proactive about Finances and Retirement
Relying on your husband to take care of the finances and retirement income was an accepted practice in the past. Today women have to take a new approach to their financial future. Relying on a spouse's income and savings is no longer a risk-free option.

David Lerner Associates: Three Steps to Help Prevent Financial Fraud over the Holiday Season
International Fraud Awareness Week aims to minimize the impact of fraud by promoting anti-fraud awareness and education. Financial fraud has become a part of almost everyone's life.

David Lerner Associates: Credit Card Pitfalls
Every year in October bankers visit local classrooms on National Get Smart about Credit Day. The idea is to educate kids about the "credit facts of life."

David Lerner Associates: Financial Planning in your 50s
There are financial challenges in every decade. These three financial resolutions address the challenges that are common in your 50s.

David Lerner Associates: Financial Planning in your 40s
October is Financial Planning month so it's a good time to take stock of your future goals and put plans in place. These three resolutions should be on your list if you are in your 40s

David Lerner Associates: 3 Financial Resolutions for your 30s
As the year winds down it's wise to get in financial shape and set goals for the future. There are a few financial milestones you should aim for in your 30s

David Lerner Associates: Free Financial Planning Tools
Financial Planning Month is a good time to try out some of the apps and software that can help you get your finances in better shape. These free tools should help you keep your finger on your financial pulse.

David Lerner Associates: How to Outlast Market Ups and Downs
We've all heard stories of the wild fluctuations in the market during the Great Recession. How do you outlast these fluctuations and feel confident that the money you're working so hard to save will provide the comfortable retirement you're planning for.

David Lerner Associates: 4 Financial Planning Tips
The future of a person's family, as well as their own safety and security, may be at risk if the right steps are not taken to ensure financial stability.

David Lerner Associates: New Card Chip Technology Questions
This month the U.S. is instituting the new EMV (Europay, MasterCard and Visa) chip technology in credit and debit cards to help stem the tide of fraud and identity theft that results from hacking and security breaches.

David Lerner Associates: Money, Stress and Financial Planning
October is Financial Planning Month. Even though the economy is recovering, money is still the number one source of stress affecting the health and lifestyles of most Americans.

Women Entrepreneurs Leading the Way
Gone are the days when the typical American woman was a stay-at-home mom. Today they're making waves - and money - in the business world

Comprehensive Financial Planners are Better Off
October is Financial Planning month. Why should we pay attention to financial planning? A report by Princeton Survey Research Associates International reveals that there is a direct correlation between affluence and financial planning.

American Women in Business
Nine million companies in the U.S. are women-owned. They employ almost 8 million people and produce $4 trillion in sales. That's a big chunk of the U.S. economy in the hands of capable women.

Women Business Owners Still Face Financial Challenges
Although the number of women-owned businesses is on the rise, they still face some financial challenges. The Census Bureau's Survey of Business Owners shows that while women own 36 percent of businesses in the U.S. only 11.3 percent of the sales revenue generated went to female-owned businesses.

Connect Your Financial Goals to the Rest of Your Life
Most Americans strive for a fulfilled life - a good job, a nice home,, a family, and a bright future. However, statistics show that this American Dream is not a reality for far too many.

David Lerner Associates: 5 Financial Lessons for College Students
Millions of young Americans will be leaving home for the first time this fall. Along with many other freedoms they'll experience, they will also have to manage their own finances, probably for the first time.

David Lerner Associates: The Sensible Middle Ground of Investing
Investors in the stock market have been on somewhat of a roller-coaster ride recently. It is one thing to experience the thrill of a sudden drop at the fairground but quite another when it's your investments that take a tumble. We believe in something that we call the 'sensible middle ground of investing.'

David Lerner Associates: Women and Asset Protection
Due to a decision to remain single, divorce or loss of a spouse, many women find themselves having to take charge of their financial affairs.

David Lerner Associates: Property Ownership Issues for Married Couples
When you get married there are many financial issues that should be discussed and resolved. How to structure ownership of property is one such issue.

How to Establish or Increase a Cash Reserve
Cutting back on discretionary spending can help you establish a cash reserve goal sooner and will form a habit that serves you well in future years.

David Lerner Associates: Insurance Issues for Married Couples
It may seem like an odd thing to worry about when you are just starting out together, but the lack of adequate insurance protection can lead to financial disaster in the future

David Lerner Associates:: Life Insurance and Estate Planning
In the past many families have viewed life insurance primarily as a way to pay for funeral expenses, but it's become much more than that today. Now it's seen as an integral part of estate planning.

David Lerner Associates: How to Deal with Student Loans
Many people who borrow money to get a higher education vaguely remember signing a piece of paper every year at college registration time. Repaying student loans as quickly and easily as possible is the best way to move forward into a more secure, less stressful future.

Life Insurance Protects Loved Ones
Your life insurance needs will depend on a number of factors, including whether you're married, the size of your family. the nature of your financial obligations, your career stage, and your goals.

Financial Planning Helps You See the Bigger Picture
No matter what the goal is - owning a new home, traveling to exotic locations, driving a nice car, starting a business or retiring comfortably - there is always a price tag attached.That's why financial planning is so important.

David Lerner Associates: Coping with Fraud and Identity Theft
Whether they're snatching your purse, diving into dumpsters, stealing mail, or hacking into computers, identify thieves are a reality and can cause havoc with your financial life.

Give Your Children a Basic Financial Education
Kids today are very financially aware - even before they can count. As soon as they are old enough to handle money, teach them the basics of how to handle it wisely.

David Lerner Associates:Life Insurance at Various Life Stages
Just as financial needs change over time, so too does the need for life insurance change with new circumstances. Let's look at how your life insurance needs change throughout your lifetime.

David Lerner Associates: Financial Planning Lessons for Educators
No matter what stage of your career you're in, working with a financial professional who understands an educator's special concerns could be beneficial.

David Lerner Associates: Indexed Universal Life Insurance
There are several types of life insurance - one that you may not be so familiar with is called Indexed Universal Life Insurance. (IUL)

David Lerner Associates: Planning for Marriage
If you are planning for marriage you're faced with the enormous responsibility of combining your personal finances with your spouse's and reassessing the way you and your spouse structured personal finances as unmarried individuals.

David Lerner Associates: Millennials vs. Boomers Gap
There is a generation chasm between Millennials and Baby Boomers. Their use of technology and their choice in music and culture may be very different. But there is one area in which they are not so different: financial planning.

David Lerner Associates: Your Credit Profile
Your credit profile can make a big difference in your financial life, not only for a major purchase like a home or car, but also for college loans, credit card terms and insurance premiums.

David Lerner Associates: New Chip Technology in the News
The data breaches at major retailers in the U.S. have increased in recent years. As a way to counteract these data breaches, many U.S. credit card companies have started implementing a more secure chip-card technology called EMV (which is short for Europay, Mastercard, and Visa)

David Lerner Associates: Equity Financing Sources
Every business needs capital – either to get started or to fund operations and expansion. Here are some ideas for equity financing sources.

David Lerner Associates: The Economic Rebound
It's been nearly six years since the official end of the Great Recession. Now, finally, Americans have reasons to feel upbeat about their financial prospects. Key economic indicators are signally progress for the US economy..

David Lerner Associates: Asset Allocation
As you transition into retirement, your priorities for and demands on your portfolio are likely to be different. Your asset allocation strategy will probably be different than the one you used when saving for retirement.

David Lerner Associates: Loans are a Primary Financing Sources for a Business
There are many sources of financing available to a business owner. Consider all options carefully before making any decisions. The following list of loan sources should provide some ideas.

David Lerner Associates: Analyzing Estate Planning and Income Tax Basis
Income tax basis may be essential when deciding whether to make gifts now or transfer real estate at your death. The income tax basis for the person receiving the property depends upon whether the transfer is by gift or at death.

David Lerner Associates: Are 529 assets subject to Medicaid spend-down requirements?
Right now this issue has been largely ignored by state laws. But unless future legislation exempts 529 plans from Medicaid rules, it would be wiser to assume that these assets could be subject to the state's grasp.

David Lerner Associates: Switching Professions? Take Your 401(k) and Roll It
Sometimes, you have no alternative - you need to use the funds. If so, try to minimize the tax impact. For example, if you have nontaxable after-tax contributions in your account, keep in mind that you can roll over just the taxable portion of your distribution and keep the nontaxable portion for yourself.

David Lerner Associates: Charitable Deduction
The charitable deduction allows you to take off the value of property you offer to charity from your property and might minimize any federal gift and estate tax that might be owed. Charitable gifting allows you to satisfy your personal philanthropic desires and satisfy your estate planning objectives.

Comprehending Investment Terms and Concepts
There are some fundamental principles you should understand when evaluating an investment opportunity or making an investment decision. The most important principle is simply good common sense.

David Lerner Associates: The Gender Gap in Wealth Management
According to a study that performs research on financial trends in the US, women have made good progress in many areas of financial literacy, but there is still a gender gap when it comes to investment and wealth management.

How to Create a Family Endowment
A family endowment is something that may benefit everyone in a family - including you. The goals of an endowment are simple. Accumulate enough assets to allow you to live comfortably off the income during retirement and to maintain and preserve the principle for your loved ones and future generations.

David Lerner Associates: Raising Capital for Your Business
Every entrepreneur knows that adequate financing is vital to the success of a business. Failure to acquire adequate funding often determines whether a business can get off the ground, not to mention whether it can sustain itself into the future

David Lerner Associates: Fighting Fraud And Identity Theft with New Technology
Retailers are finally stepping up their game. The United States in in the process of replacing its current 'swipe and sign' card technology with a more secure technology called EMV, which is short for Europay Mastercard and Visa.

David Lerner Associates: Identity Theft Fraud Tips
Reports of the rise in identity theft are in the news all the time, yet many people think it will never happen to them. This article contains some helpful tips on how to avoid becoming the victim of identity theft and fraud.

David Lerner Associates: Distribution Funds - Putting Revenue on Autopilot
As baby boomers retire, they begin to focus less on accumulating assets and more on how those assets may be converted into an ongoing stream of income. Distribution funds are one way to simplify that method.

Women and Wealth Management: Is There a Gender Gap?
A new study conducted by Boston Consulting Group indicates that women believe they receive a lower quality of wealth management service than men do.Over half (55 percent) of the women who responded said their wealth manager could do a better job of advising them than he or she was currently doing.

David Lerner Associates: How to Teach Your Kids About Money
Schools have certainly changed a lot since the song School Days was written over 100 years ago, but one thing that hasn’t changed is the fact that there are still very few schools that teach children about personal financial management.

Investing Basics: What You Should Know
This is the fourth in the series of articles discussing financial literacy and what this means for Americans in the 21st century. Once you have earned money there are four main things that you can do with it: Spend it, save it, invest it or give it away.

Women and Retirement - The Gender Gap
In a recent national survey designed to gauge the financial literacy of U.S. consumers about one-third of Americans said they are worried that they won't be able to save enough money to retire comfortably.

David Lerner Associates: National Financial Capability Study Reveals Shortcomings
In May, the FINRA Investor Education Foundation released its annual National Financial Capability Study.

David Lerner Associates: QE, QE2, QE3 -Deciphering the Code
You may have heard these terms used recently when it comes to the economy but have no idea what they mean. If so, don’t feel bad --outside of economists and professional investors, many Americans are fuzzy about their actual meaning and relevance.

David Lerner Associates: Should You Buy or Rent Your Home?
Home ownership has often been called "the American dream." But this dream turned into a nightmare for many Americans a few years ago when the real estate bubble burst and housing prices plunged in many areas of the country.

David Lerner Associates: How to Close the Financial Literacy Gap
One of the most concerning findings of the Financial Finesse study is a reversal in what was a positive trend with regard to women paying off credit card debt. Between 2009 and 2011, women made steady progress in paying off credit card debt in full, but this trend changed course earlier this year.

David Lerner Associates: Beyond Politics - Women and Financial Literacy
There is one topic some people say hasn't received a lot of attention from either party during the political season -- the "gender gap" between men and women when it comes to financial literacy.

David Lerner Associates: Financial Literacy, the Gender Gap
This is the third in a series of articles discussing the importance of financial literacy for women.Several recent studies have suggested that there may be a significant “gender gap” between men and women when it comes to financial literacy. This may even include women with college degrees.

David Lerner Associates: The Crisis in Women’s Financial Literacy
The word "crisis" seems to be used very loosely today, but it might be the right word when it comes to the current state of financial literacy among U.S. adults.

David Lerner Associates: Women and Financial Literacy
Recent studies indicate that we may be facing a financial literacy crisis in the United States today. This is somewhat ironic, given that the world of finance and investing is arguably more complex today than ever before.

David Lerner Associates: Does it Cost More to Be a Woman?
Women face a number of financial challenges that appear to be unique to their gender. These go beyond earnings-an area where, according to the U.S. Census Bureau women still tend to lag behind men, on average - to the area of credit card management and even everyday purchases.

What Is the Dodd-Frank Act?
You may have heard the term "Dodd-Frank" in reference to the U.S. banking and financial system, but you’re not sure exactly what it refers to. “Dodd-Frank” is short for the Dodd-Frank Wall Street Reform and Consumer Protection Act.

What Should You Do With a Financial Windfall?
Individuals who (often unexpectedly) receive large sums of money all at once need to make some important decisions, sometimes very quickly. The tax implications of a windfall can be complicated, which may make receiving counsel from a tax professional crucial.

Budgeting Basics: Establishing a Household Budget
This is the second in a series of articles discussing financial literacy and what this means for Americans in the 21st century

Financial Literacy: What Does It Mean Today?
We are beginning a new series of articles discussing financial literacy and what this means for Americans in the 21st century.

Make Some Mid-Year Financial Resolutions
Lots of us make New Year’s Resolutions, but they are a distant memory for many people by this point in the year. If this sounds familiar to you, now might be a good time to make some fresh financial resolutions

Why Zero Coupon Bonds Can Add Up To Much More Than Zero
Zero coupon bonds (sometimes called zeroes for short) have been around for 30 years. Due to their unique structure and characteristics, zeroes remain an attractive investment option for many individuals.

Facebook and Other IPOs: Don't Buy the Hype
The initial public offering (IPO) of Facebook dominated the investment news. Unfortunately for many investors, the much-anticipated (and much hyped) IPO fell somewhat flat.

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