Looking for something specific? Enter one or more keywords and search our entire site.	900 N. Kings Highway, Cherry Hill, New Jersey 08034 856.667.4100 · 215.563.0276 · Fax: 856.667.3652 Monthly Financial Planning Tips 2004 Financial Planning Tips Archive December 2004 - Keep your holiday spending under control The holiday season should be a pleasant time — exchanging gifts, entertaining family and friends, and extending goodwill to others. Most of us enjoy the holidays, but too often the enjoyment is followed by financial headaches. January’s bank statements and credit card bills bring the realization that once again we lost control of our finances. November 2004 -Update your beneficiary designations Are your beneficiary designations up to date? Do you even know which accounts have beneficiaries, and who you’ve designated? It’s easy to lose track. But it’s important to keep them current. Here’s why. October 2004 -Be ready for changes to your checking account Do you like to save your canceled checks as proof that you’ve paid a tax bill or made a donation. If so, you might soon be out of luck. After October 28th, you’ll no longer have any right to receive your original check back from your bank after it’s been cashed. September 2004 - Talk finances with your elderly parents – Part 2 In last month’s Financial Tip we discussed why it’s so important to have a frank discussion with your elderly parents about their business and financial affairs. Explain that your goal is to be better prepared to help and advise them if the need arises. August 2004 - Is it time to talk finances with your elderly parents? Communications between children and parents are at their worst during the teenage years. After that, the conversation usually gets better – except in some areas. Discussing the parents’ financial matters is always touchy. Children don’t want to invade their parents' privacy and they are afraid of appearing pushy or inquisitive. July 2004 - Treasury to discontinue Series HH savings bonds after August 31, 2004 Do you own Series HH savings bonds? Did you know that at the end of August, the U.S. Treasury will stop issuing new bonds in this series? If you’re a savings bond investor, here’s what the change means for you. June 2004 - Don’t overlook renters insurance Do you rent an apartment or condo? If so, do you have renters insurance to protect your belongings and to cover you against liability claims? A surprising number of renters don’t bother with insurance. Some assume they’re covered by their landlord’s policy. Wrong! Usually that covers only damage to the building and liability claims against the landlord. May 2004 - It's an election year: Know the limits on political contributions After the 2002 campaign reform law, there are new rules on contributing to your favorite candidate. Here’s a summary of how you can contribute and what’s deductible. April 2004 - What to do with your tax refund This year's income tax refund checks are bigger than last year's, averaging over $2,000. If you can, consider investing your refund or using it to increase your financial security. Everyone's needs are different, but here are some suggestions. March 2004 - Take five steps to long-term financial health Achieving financial security is not easy. For most of us it's a lifetime task. But over time, these basic steps will keep you on the road to financial health. February 2004 - Should you put your child's name on your house? As parents age, they often begin to worry about their house. They worry about the cost of maintaining it, and they want to be sure it passes to their children after they're gone. A common thought is to just add the children's names to the title of the house. January 2004 - Credit cards that pay you: Are they a good deal? The latest twist from some credit card issuers is a card that pays you - but only if you keep an unpaid balance. It's all part of the never-ending competition to attract new cardholders and keep the loyalty of existing ones. "Financial Planning Tips" are published monthly to provide useful financial information. Return to this site every month for helpful suggestions on how to reach your financial goals. The information contained in this site is of a general nature and should not be acted upon in your specific situation without further details and/or professional assistance. If you would like more information on anything in "Financial Planning Tips," or if you'd like to be on our mailing list to receive other financial, tax, or business information from time to time, please contact our office. We're here to help. 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