Caines Hodges
Articles & Resources
Bank Accounts: What To Look and Ask For
What type of account should you keep your money in at a bank or savings and loan association? How can you find the account that will charge you the least amount of money for the services you need? This Financial Guide helps you choose the most cost-effective type of...
Investment Options: Frequently Asked Questions
What are the steps in the investment process? The investment process is comprised of several steps that enable you to select a portfolio appropriate to your risk tolerance and desired return. The primary steps in this process are: Determine your desired return and...
Developing a Financial Plan: Frequently Asked Questions
How do I determine my long-term financial goals? The first step is to decide what you realistically want to achieve financially. Financial goals might include early retirement, travel, a vacation home, securing your family's financial comfort on the death of a...
Budgeting: How To Prepare a Workable Plan
A budget is an essential component of your financial plan. Not only does it force you to monitor your spending, it enables you to focus on which items (such as loans and credit card debt) you can pay off or pay down so that you can accumulate funds for retirement,...
Your Financial Plan: Getting Started On a Secure Future
Financial security derives not only from acquiring more money but from planning. A solid financial plan can alleviate financial worries about the future and ensure that you will meet your financial goals - whether they relate to retirement, asset acquisition,...
Tax Benefits of Higher Education: Frequently Asked Questions
What Types of Tax Relief are Available for Costs of my Children's Higher Education? A wide variety of tax relief is available, but you'll need to choose which credit or deduction to claim or which savings plan to use based on your individual tax situation. You also...
Higher Education Costs: How To Get The Best Tax Treatment
Many tax benefits are available to help you pay higher education costs, whether for your children or yourself. Because of the variety of benefits and programs, this area is one of the most complex that an individual can face. This Financial Guide discusses strategies...
Saving for College: Frequently Asked Questions
When should I start saving for my child's education? This depends on how much you think your children's education will cost. The best way is to start saving before they are born. The sooner you begin the less money you will have to put away each year. Suppose you have...
Raising a Child: Frequently Asked Questions
How much will it cost me to raise a child? We can't tell you exactly what your child will cost, but we can provide you with estimates. Knowing what to expect will allow you to plan for the future. Here is a breakdown of the items you'll need, and an estimate of their...
Life Insurance: How Much and What Kind To Buy
How much life insurance do you need? What type is appropriate? You should review your life insurance needs each time you have a major life event. Here is what you need to know to properly plan for your life insurance needs to buy enough and to get the most for your...
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