LeTip Golden Triangle

Since the federal estate tax was established in 1916, the amount exempted from the tax has been raised substantially over time. The $5 million exemption for 2011 and 2012 is the highest in history, and the 35% top estate tax rate is the lowest in 70 years.1

However, these generous provisions may not last. After 2012, [...]

Because life insurance typically becomes more expensive as we age, many people may believe they can’t afford to purchase coverage later in life. However, considering that life insurance is significantly less expensive today than it was a decade ago, you might be able to purchase new coverage and pay premiums comparable to those that were [...]

The federal estate tax was repealed in 2010, and then reinstated by the 2010 Tax Relief Act with new provisions for 2011 and 2012. These provisions include a higher exemption amount and a lower tax rate that could ease or eliminate the tax burden on many estates.

Although the reinstated estate tax may not affect you [...]

About 44 million people, roughly 19% of the U.S. adult population, provide unpaid care to someone who is age 50 or older. The average age of caregivers is 50 and the average age of care recipients is 77. Most caregivers assist family members, usually their mothers.1

Although many caregivers help their family members out of love, [...]

Many of us are conditioned to believe that a family only needs to own life insurance on a primary breadwinner. This could explain why men tend to own more life insurance, on average, than women (although men and women both tend to be underinsured).1

The common perception is that life insurance is primarily needed to help [...]

By Nancy Appleton, Ph.D.

Author of LICK THE SUGAR HABIT and LICK THE SUGAR HABIT SUGAR COUNTER.

1. Sugar can suppress the immune system.
2. Sugar upsets the mineral relationships in the body.
3. Sugar can cause hyperactivity, anxiety, difficulty concentrating, and crankiness in children.
4. Sugar can produce a significant rise in triglycerides.
5. Sugar [...]

By Tony Ricci, CFP

Strictest Mandates Reserved for Mid-Size and Large Firms

Much attention has been focused on the fees and taxes that mid-size and large employers will face as the Patient Protection and Affordable Care Act begins to take effect over the next few years. However, many of the precious few incentives for employers in the [...]

By Tony Ricci, CFP

An incredible 72% of workers expect to work for pay in retirement, according to a 2009 survey. Although fewer retirees actually work in retirement (34% in 2009, 25% in 2008), most say they do it for enjoyment. Still, a large majority of those who work also do it to earn extra money for basic [...]

By Lawrence T. Dougherty, Attorney at Law

I.  Introduction

This article is addressed to California employers and recommends that they reconsider the pros and cons of having written employment agreements with their employees.  My hope is that it will convince employers that there are compelling reasons why employment agreements should be reduced to writing, not just for [...]

Provided by John Martin; Written by Dr. Chet (drchet.com)

The Women’s Health Initiative (WHI) is a large-scale study of women’s health that began in the early 1990s. The study recruited over 100,000 women in multiple cities throughout the United States. In February 2009, researchers published another part of their findings (1). Their conclusions were that multivitamins-multiminerals [...]