http://wowo.com WOWO 92.3 FM | 1190 AM en-US Copyright &copy 2012 WOWO 92.3 FM | 1190 AM paltman@federatedmedia.com http://www.wowo.com/ArticleDisplay/tabid/74/ArticleId/14231/Financial-Considerations-when-Starting-your-own-Small-Business.aspx Financial Considerations When Starting Your Own Small Business If you’re thinking about starting a small business, it’s important to look carefully before you leap. Owning a small business can be very rewarding, but it can also require a lot of time, energy and funds long-term. Taking the right steps upfront can help you increase your chance of success and maximize your start-up dollars. Begin by: · Using the resources that are available to you — There are several free online resources that can... http://www.wowo.com/ArticleDisplay/tabid/74/ArticleId/14231/Financial-Considerations-when-Starting-your-own-Small-Business.aspx jeff Fri, 31 May 2013 16:17:00 GMT http://www.wowo.com/ArticleDisplay/tabid/74/ArticleId/14230/Financial-Concerns-During-a-Divorce.aspx Financial Concerns During a Divorce For most, going through a divorce is an extremely difficult and emotional time. Some become so exhausted by the process – or eager to get it over with – that they make costly financial mistakes they later regret. Here are several ways to avoid some of the most common errors: · Document your financial situation — Make copies of your tax returns from the last five years. Also, understand and document your total net worth. This includes your investments and othe... http://www.wowo.com/ArticleDisplay/tabid/74/ArticleId/14230/Financial-Concerns-During-a-Divorce.aspx jeff Fri, 31 May 2013 16:15:00 GMT http://www.wowo.com/ArticleDisplay/tabid/74/ArticleId/14229/Calculating-the-Real-Retirement-Number.aspx Calculating the Real Retirement Number The “million dollar” question many of those preparing for retirement ask themselves is simply stated but not necessarily easy to answer – “how much money do I need to save to secure a comfortable retirement?” In some circles, this is referred to as “the number” – that magical figure that tells pre-retirees how prepared they may be. A recent survey from Ameriprise Financial found that working Americans ages 50-70 with at least $100,000 in investable assets ... http://www.wowo.com/ArticleDisplay/tabid/74/ArticleId/14229/Calculating-the-Real-Retirement-Number.aspx jeff Fri, 31 May 2013 16:11:00 GMT http://www.wowo.com/ArticleDisplay/tabid/74/ArticleId/13752/Can-you-turn-home-equity-into-retirement-income.aspx Can you turn home equity into retirement income? The long-struggling housing market is finally showing signs of recovery, giving many homeowners more equity in their properties. This encouraging trend is likely prompting more pre-retirees to consider if, and how home equity can be turned into a source of cash to help fund their retirement. There was a time when owning a home with little or no outstanding mortgage balance was considered a potential financial bonanza for those in retirement. For ... http://www.wowo.com/ArticleDisplay/tabid/74/ArticleId/13752/Can-you-turn-home-equity-into-retirement-income.aspx dsyphers Thu, 02 May 2013 09:23:00 GMT http://www.wowo.com/ArticleDisplay/tabid/74/ArticleId/13751/Socially-Responsible-Investing.aspx Socially Responsible Investing As the global climate change discussions heat up in Washington, many investors are paying attention to the impact of their investments on the environment and the well being of people around the world. As this trend has increased, so has the demand for investment choices that demonstrate not only financial soundness, but also a concern for quality of life. This investment philosophy, known as socially responsible investing (SRI), has a special appeal to many indivi... http://www.wowo.com/ArticleDisplay/tabid/74/ArticleId/13751/Socially-Responsible-Investing.aspx dsyphers Thu, 02 May 2013 09:19:00 GMT http://www.wowo.com/ArticleDisplay/tabid/74/ArticleId/13750/Choosing-a-college-with-Finances-in-Mind.aspx Choosing a college with Finances in Mind It’s the time of year when high school seniors across the country are making their final decisions about where they will attend college. Selecting the right college has always been a complex process, but in challenging economic times, the decision can be even more complicated for students and families. As higher education becomes more costly and competitive, it’s often difficult for high school students and their parents to know how to approach the situa... http://www.wowo.com/ArticleDisplay/tabid/74/ArticleId/13750/Choosing-a-college-with-Finances-in-Mind.aspx dsyphers Thu, 02 May 2013 09:18:00 GMT http://www.wowo.com/ArticleDisplay/tabid/74/ArticleId/12936/Five-actions-to-boost-your-retirement-confidence.aspx Five actions to boost your retirement confidence Recent research* reveals many contradictions in the way Americans are thinking about and preparing for their retirement. Not surprising is the fact that the vast majority of people nearing retirement want to be happy and healthy during their golden years. Yet many feel uncertain about affording the things they need and want in retirement, though they (some admittedly) aren’t necessarily taking the steps to help secure a more confident retirement.... http://www.wowo.com/ArticleDisplay/tabid/74/ArticleId/12936/Five-actions-to-boost-your-retirement-confidence.aspx dsyphers Tue, 26 Mar 2013 09:00:00 GMT http://www.wowo.com/ArticleDisplay/tabid/74/ArticleId/12935/How-Your-Relationship-Status-May-Affect-Your-Finances.aspx How Your Relationship Status May Affect Your Finances Whether you said “I do” at the altar, entered a common law marriage, are in a domestic partnership or cohabit with your significant other, the laws about your financial rights and obligations vary by state, and sometimes even by city. To understand how your relationships status and living situation impacts your legal rights and obligations, consider consulting with reputable financial, legal and tax professionals in your area. With that in m... http://www.wowo.com/ArticleDisplay/tabid/74/ArticleId/12935/How-Your-Relationship-Status-May-Affect-Your-Finances.aspx dsyphers Tue, 26 Mar 2013 08:58:00 GMT http://www.wowo.com/ArticleDisplay/tabid/74/ArticleId/12933/Assessing-your-risk-tolerance.aspx Assessing your risk tolerance Before you can identify which investments are well suited to your financial goals, you need to determine your risk tolerance. This is your level of comfort with market volatility and/or the degree to which you are willing to risk the loss of your principal for a potentially greater return. For example, some people worry about daily or weekly price fluctuations, but others do not. Some have more discretionary income than others and would be less affected by a market... http://www.wowo.com/ArticleDisplay/tabid/74/ArticleId/12933/Assessing-your-risk-tolerance.aspx dsyphers Tue, 26 Mar 2013 08:54:00 GMT http://www.wowo.com/ArticleDisplay/tabid/74/ArticleId/12591/New-Tax-Laws-and-Your-Giving-Intentions.aspx New Tax Laws and Your Giving Intentions Most people have an organization or cause they’re passionate about, and contributing financially to non-profit organizations may be a part of many peoples’ annual financial plans. In planning for 2013, consider the America Taxpayer Relief Act of 2012 that was part of the legislation to partially avoid the “fiscal cliff.” This legislation could have implications on your charitable giving intentions, particularly if your income exceeds certain thresholds. T... http://www.wowo.com/ArticleDisplay/tabid/74/ArticleId/12591/New-Tax-Laws-and-Your-Giving-Intentions.aspx dsyphers Fri, 08 Mar 2013 10:55:00 GMT http://www.wowo.com/ArticleDisplay/tabid/74/ArticleId/11504/How-to-Select-and-Work-with-Your-Financial-Advisor.aspx How to Select and Work with Your Financial Advisor Speaking from experience, the relationship between financial advisors and their clients is incredibly important. Whether you rely on your advisor to help with retirement planning, saving for college, or meeting other goals, this individual will help determine how you approach some of life’s biggest financial decisions. That’s why it’s critical to ensure you’re working with the right person. Here are a few things to keep in mind when choosing an ... http://www.wowo.com/ArticleDisplay/tabid/74/ArticleId/11504/How-to-Select-and-Work-with-Your-Financial-Advisor.aspx dsyphers Tue, 08 Jan 2013 10:07:00 GMT http://www.wowo.com/ArticleDisplay/tabid/74/ArticleId/10278/The-Affordable-Care-Act-How-it-May-Impact-Your-Finances.aspx The Affordable Care Act: How it May Impact Your Finances The Affordable Care Act – often referred to as the new health care reform law – is moving forward following the recent Supreme Court ruling upholding the Act. Some elements of the health care law are already in place and more are coming. The most notable is that starting in 2014 most Americans will be required to have health insurance coverage, either through an employer-sponsored plan or by purchasing it themselves. Individuals who are n... http://www.wowo.com/ArticleDisplay/tabid/74/ArticleId/10278/The-Affordable-Care-Act-How-it-May-Impact-Your-Finances.aspx dsyphers Wed, 03 Oct 2012 10:53:00 GMT http://www.wowo.com/ArticleDisplay/tabid/74/ArticleId/10277/Financial-Tips-When-One-Parent-Stays-at-Home.aspx Financial Tips When One Parent Stays at Home In more than half (58%) of American families with children, both parents work 1 , but there are still many that manage on just one income. Some make a conscious choice to transition to a household with a stay-at-home parent while others experience a job loss or under-employment. In either case, households that rely on one paycheck need to take extra care to protect their financial security. Here are eight strategies for single income families to help... http://www.wowo.com/ArticleDisplay/tabid/74/ArticleId/10277/Financial-Tips-When-One-Parent-Stays-at-Home.aspx dsyphers Wed, 03 Oct 2012 10:51:00 GMT http://www.wowo.com/ArticleDisplay/tabid/74/ArticleId/10276/Preparing-for-Open-Enrollment.aspx Preparing for Open Enrollment Most employers that offer a menu of employee benefits have an annual open enrollment period - typically several weeks in the fall or early winter. During open enrollment, employees can enroll in benefits for the first time, change their current benefit choices or coverage amounts, or completely opt-out of their employer’s benefit program. Employee benefit decisions impact your family’s overall financial strategy, so taking the time to do more than simply confirm th... http://www.wowo.com/ArticleDisplay/tabid/74/ArticleId/10276/Preparing-for-Open-Enrollment.aspx dsyphers Wed, 03 Oct 2012 10:49:00 GMT http://www.wowo.com/ArticleDisplay/tabid/74/ArticleId/9809/Tips-to-Saving-on-Car-and-Home-Insurance.aspx Tips to Saving on Car and Home Insurance Countless ads on television, radio and in your mailbox urge you to choose a new insurance company that vows to save you money on auto and home premiums. While it often sounds too good to be true, the reality is that with some serious shopping and good planning, sometimes you can find less expensive insurance options. It’s easy to get overwhelmed by the offers, but in this day of rapid communication, the process can be relatively easy and efficient. If you... http://www.wowo.com/ArticleDisplay/tabid/74/ArticleId/9809/Tips-to-Saving-on-Car-and-Home-Insurance.aspx dsyphers Wed, 29 Aug 2012 09:02:00 GMT http://www.wowo.com/ArticleDisplay/tabid/74/ArticleId/9808/Adjusting-Your-Plans-on-the-Road-to-Retirement.aspx Adjusting Your Plans on the Road to Retirement Retirement is a milestone event that, in a perfect world, can be planned in advance and executed on cue. But as the saying goes, life is what happens to you while you’re busy making other plans. The truth is, when you’re five or 10 years out from your planned retirement date, unexpected events or a change in your personal goals can quickly steer you off course. Consider how the following life-altering scenarios might play out with regard to your fin... http://www.wowo.com/ArticleDisplay/tabid/74/ArticleId/9808/Adjusting-Your-Plans-on-the-Road-to-Retirement.aspx dsyphers Wed, 29 Aug 2012 09:00:00 GMT http://www.wowo.com/ArticleDisplay/tabid/74/ArticleId/9807/11-Tips-for-Selling-Your-Home-in-Today-s-Market.aspx 11 Tips for Selling Your Home in Today’s Market Although sales of existing homes continue to fluctuate, home prices are on an uptrend in all regions1. Yet it’s still a buyer’s market, which can lead to sleepless nights and strained pocketbooks for those with a home on the market, especially if they’ve already purchased a new home. To sell a house, it may help to have features many of the others don’t. If you’re looking to sell your home, here are some of the ways to set it apart from the rest: •... http://www.wowo.com/ArticleDisplay/tabid/74/ArticleId/9807/11-Tips-for-Selling-Your-Home-in-Today-s-Market.aspx dsyphers Wed, 29 Aug 2012 08:53:00 GMT http://www.wowo.com/ArticleDisplay/tabid/74/ArticleId/9686/Spending-and-Saving-Help-Your-Kids-Find-the-Right-Balance.aspx Spending and Saving: Help Your Kids Find the Right Balance There are likely few people who can say they haven’t heard their parent tell them at some point that “money doesn’t grow on trees.” Among the most valuable things we can teach our children is that cash is a limited resource and that they must save for what they want. If spending comes more naturally to your kids than saving, here are some tips for helping them find the right balance. Set guidelines for allowance. Once your children are ... http://www.wowo.com/ArticleDisplay/tabid/74/ArticleId/9686/Spending-and-Saving-Help-Your-Kids-Find-the-Right-Balance.aspx dsyphers Tue, 14 Aug 2012 13:56:00 GMT http://www.wowo.com/ArticleDisplay/tabid/74/ArticleId/9685/Keeping-a-Lid-on-College-s-Hidden-Costs.aspx Keeping a Lid on College’s Hidden Costs Most discussions about the high cost of attending college focus on hefty tuition bills plus room and board, but there are other expenses college students incur that can be overlooked in the planning process. If you – or your child – are heading off to college in the fall, here are some expenses to factor into your budget, and suggestions for keeping these extra costs to a minimum. Resist shiny marketing campaigns for dorm necessities New students can expe... http://www.wowo.com/ArticleDisplay/tabid/74/ArticleId/9685/Keeping-a-Lid-on-College-s-Hidden-Costs.aspx dsyphers Tue, 14 Aug 2012 13:55:00 GMT http://www.wowo.com/ArticleDisplay/tabid/74/ArticleId/9684/Baby-Boomers-Four-questions-to-ask-your-aging-parents.aspx Baby Boomers: Four questions to ask your aging parents It turns out that the parents of baby boomers – the silent generation – may still be living up to their name. Recent research reveals that only 28 percent of boomers’ parents say they regularly discuss money and finances with their family, and 41 percent feel they haven’t discussed their financial situation adequately with their children. 1 So the responsibility may fall on boomers to approach their aging parents about money-related issues.... http://www.wowo.com/ArticleDisplay/tabid/74/ArticleId/9684/Baby-Boomers-Four-questions-to-ask-your-aging-parents.aspx dsyphers Tue, 14 Aug 2012 13:53:00 GMT