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900 N. Kings Highway, Cherry Hill, New Jersey 08034 856.667.4100 · 215.563.0276 · Fax: 856.667.3652 Money Management is a weekly column on personal finance distributed by NJSCPA. 2001 Money Management Archive   December 2001 Money Management Issue Managing Your Way Out Of Debt If your holiday spending has you thinking about juggling bills instead of singing holiday tunes, don't despair. With discipline and a change in your spending habits, you can manage your way out of debt. Make Your Donations Count: Give Stock To Charity If you typically give to charities around the holiday time, keep in mind that you can contribute more than cash. New Tax Law Good For Baby Boomers Nobody likes growing older, but age does have its merits - particularly when it comes to the Economic Growth and Tax Relief Reconciliation Act of 2001.         November 2001 Money Management Issue Website Security: What Small Businesses Need To Know Launching a Website can help boost your business, but it also may expose your company to a number of security risks. Choosing an ISP For Your Business The New Jersey Society of Certified Public Accountants recommends that you carefully research your options before choosing an ISP. How to Find the Right Technology Help For Your Business Failure to use technology effectively can erode employee productivity, undermine customer confidence and negatively impact a company's bottom line.         October 2001 Money Management Issue Dividing Assets: What to Do in a Divorce One of the most difficult aspects of divorce, after custody issues, typically concerns the division of marital assets.         September 2001 Money Management Issue Small Businesses Can Beat Cash Flow Woes Tips on improving your business's cash flow by accelerating inflow and delaying outflow. Choosing The Right Location For Your Business Whether you are looking for a site for a new business or relocating an existing one, choosing the right location is likely to play an important role in the success of your business. Succession Planning Can Protect Your Family's Business Two-thirds of U.S. family businesses fail to survive into the second generation and less than 15 percent into the third. Business owners can beat these odds by developing and adhering to a comprehensive business succession plan. Get a Jump-Start On Your Business's Financial Growth Advance planning and effective preparation can improve your chances of securing financing for your business.         August 2001 Money Mangement Issue Health Insurance Options for Employees in Transition Of the many adverse outcomes of losing a job, the loss of medical benefits is often the greatest concern to most people. Help is available, however, through two Acts of Congress. How to Choose and Use a CPA A CPA can help you put your financial house in order, strengthen your company's business operations and develop estate plans. Insurance Needs of Start-Up Companies Few things in life carry more risk than launching a business. One way to minimize and manage those risks is to obtain proper insurance coverage before you officially start operating. Give Yourself An Insurance Check-Up Insurance provides vital protection for you, your family, and your property in the event of a natural disaster, accident, illness, death, or lawsuit - but only if you have the right type and amount.         July 2001 Money Mangement Issue Locate Savings Bonds and Interest Payments on Treasury Hunt Website Did you know that there are more than $8 billion worth of savings bonds that have stopped earning interest but haven't been cashed? Could one of them belong to you? New Rules Simplify IRA Calculations and Planning The Treasury Department has issued new rules streamlining the formula used to determine the required minimum annual distribution from a tax-deferred retirement fund or upon reaching 70½ years of age. Refinancing Your Mortgage: Should You or Shouldn't You? It may make sense to refinance your mortgage even when the rate reduction is 1 point or less. Couples Quiz: What's Your Financial Compatibility? Determining financial compatibility with your future spouse before you tie the knot is important to a solid marriage.         June 2001 Money Mangement Issue Frequently Asked Questions About Trusts When considering estate planning alternatives, consider establishing trusts. Trusts can help to reduce estate taxes while passing on assets to heirs. Protect Your Family's Future with Estate Planning Estate planning is critical if you want to have control over your finances after your death. Seven Things to Know Before Using a Debit Card Debit cards may be convenient, but before using them, take time to learn how they work. Online Resources for Better Money Management One way to maximize the power of the Internet is to start banking online.         May 2001 Money Management Issue Franchising: Going Into Business For Yourself - Not By Yourself Before you dash off to sign an agreement with any company, it's important that you also consider other aspects of owning and operating a franchise. How to Develop an Internet Privacy Statement Developing a website privacy statement is vital to your ability to build consumer confidence and ensure the effective operations of your business. Retirement Plan Options For Small Business Owners SEP, SIMPLE, and Keogh plans offer small business owners and their employees a tax-favored way to save for their retirement.         April 2001 Money Management Issue Five Steps to Effective E-Marketing Adopting the right e-marketing strategy can help a company remain competitive. Keep Your Business in Business: Disaster-Proof Your Computer System Having a disaster recovery plan can protect your organization in the event that all or part of its computer systems and services become unusable. Strategies to Follow When the IRS Says, "Prove It" If you receive a notification about a tax audit, it is not necessarily a cause for panic. Innocent Spouses Can Apply For Relief From Tax Inequities Before signing on the dotted line of the tax return your spouse prepared, be sure to read it and understand what you are signing. Simple Tax Trip-Ups You Can Avoid Checklist of tax trip-ups can help you avoid common errors.         March 2001 Money Management Issue Don't Be an April Fool: Take Note of These Tax Tales When it comes to responding to inquiries from the IRS, your best offense is a clear understanding of the tax rules. Senior Citizens Get Financial Relief With a Little Help From Uncle Sam With age, comes wisdom, knowledge, experience - and a few tax breaks. Homeownership Opens the Door to Tax Breaks Whether you buy a single-family house, townhouse, or condo, it may open the door to new tax savings. Don't Overlook Valuable Tax Deductions Here's some information on commonly overlooked deductions and what is and isn't deductible.         February 2001 Money Management Issue Beware of the Small Business Audit Knowing in advance what can trigger a small business audit and what auditors are likely to look for can help you conduct your business in a manner that minimizes audit risk. Driving Towards Auto Deductions Qualified transportation expenses are deducted from your business's bottom line and reduce your overall tax bill. Tips and Tactics for Deducting Business Meals and Entertainment Expenses Before thinking about claiming business meals and entertainment expenses as tax deductions, be sure they pass two separate tests. Dependency Exemptions Can Help Minimize Your Tax Bill Many people overlook the value of maximizing dependency exemptions.         January 2001 Money Management Issue A Short Lesson on Using Education IRAs to Boost College Savings One way parents can boost their college savings is by taking advantage of Education Individual Retirement Accounts. Give Yourself an Insurance Check-Up Read through the following information to determine if you need more specialized forms of insurance. Using Your Net Worth as a Financial Compass Many people underestimate the importance of calculating and tracking their net worth. Keeping track of your net worth is like having a financial compass, leading you on the right path to building wealth. Ring in the New Year with a Technology Tune-Up Ring in the New Year by cleaning up your personal computers, assessing your family's technological needs and planning for future purchases and enhancements. Resolve to Begin the New Year with a Smart Business Plan For small business owners, the New Year is an opportune time to create or update your company's business plan.

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