Harmoney Advantage Partner Network

The Debt Ceiling and the Road Ahead

The Budget Control Act of 2011 left all sides with plenty to argue about for the rest of the year. In addition to gradually increasing the debt ceiling, it's intended to bring down the federal budget deficit by an estimated $2.1 trillion over the next 10 years, focusing on spending cuts rather than increased revenues. The Act also sets the stage for more debate over how to achieve that $2.1 trillion reduction. Here are some of the key provisions of the debt ceiling legislation.

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Do You Need Flood or Earthquake Insurance?

We'd like to believe that disasters caused by floods or earthquakes are rare. But as we have seen with the recent natural disasters in the United States and abroad, the impact can be financially devastating. If you were to fall victim to a natural disaster, could you pay for the damages out-of-pocket? Will your homeowners insurance provide adequate coverage? Could any of us depend on the government for assistance?

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Portability of Basic Exclusion Amount between Spouses

Transfers of property during life or at death are generally subject to federal gift or estate taxes. Each taxpayer has an applicable exclusion amount, which is the amount of property that can be sheltered from federal gift and estate taxes by the unified credit.

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Talking to Your Child about College Expectations

If you're the parent of a high school student who's looking ahead to college, it's important to have a grown-up conversation with your child about college expectations. A frank discussion can help everyone get on the same page. Here are some talking points.

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Why do I need to write a will?

Only a written will can guarantee that your instructions will be known and followed after your death. If you do not write a will, state law determines what happens to your wealth. To ensure that your wishes will be carried out, it is imperative that you write a will.

Where can I find out about college scholarships?

Finding scholarships (grant money other than that provided by a college or university) is a time-consuming task but entirely worthwhile. There are several free scholarship search services available on the Internet. They will compile a profile of your activities, interests, achievements and academics that will then point to scholarship sources that you may be eligible for.

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