Dean Financial Services
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Business Owner
Articles
Benefits and retirement plans
Benefit plans for small businesses
Disability income insurance for the self-employed
Group health insurance: a valued employee benefit
Group term life insurance
Health insurance for the self-employed
Key employee life and disability insurance
Life insurance for the self-employed
Offering group disability insurance
Retirement plans for small businesses
Split dollar insurance plans
Understanding individual 401(k) plans
What employers need to know about workers' compensation insurance
Insuring a business
Business automobile insurance basics
Business interruption insurance
Business liability insurance basics
Business overhead expense insurance
Commercial general liability
Do you need crime insurance?
Income tax tips: business insurance
Insurance tips for business travelers
Insuring your home business
Professional liability coverage
Properly insuring your business
Should you self-insure your business?
Understanding your business owners policy
Why insure your business?
Starting a business
Advantages and disadvantages of self-employment
Choosing an entity for your business
Funding a business
Hiring your first employee
Qualifying for the home office deduction
Record keeping for your own business
Starting or buying a business
Tax planning for the self-employed
Transferring or selling a business
Transferring your family business
Decision Tools
Business planning basics
2003 numbers
Net worth calculator
Tax planning
Accelerating deductions/postponing income
Accelerating income/postponing deductions
Transferring or selling a business
Business succession planning alternatives
Business succession strategy analyzer
Buy-sell agreement analyzer
Buy-sell planning questionnaire
Planning for succession of a business interest
FAQs
Advertising a business
How can I get free publicity for my business?
How do I know where to advertise my business?
What is the best form of advertising?
Employee benefits and other issues
How can I boost the morale of my employees without incurring huge expenses?
How can I find good employees for my business?
What are health reimbursement arrangements?
What are incentive stock options (ISOs)?
What benefits should I offer to my employees?
Home-based businesses
Can I deduct home office expenses?
If I work at home occasionally, am I entitled to a home office deduction?
Starting a business
Don't most small businesses fail?
How do I find good advisors such as lawyers and accountants to help with my business?
Is buying a franchise a good way to get into business?
Should I buy an existing business or start from scratch?
Should I buy or lease assets for my business?
What are the stages of business development?
What should I look for in a business location?
Education Planning
Articles
Education planning basics
ABCs of financial aid
Can I afford to send my child to college?
Education tax credits
Finding money to pay college bills out of pocket
Going back to school as an adult
Health insurance for college students
Helping your child make the transition from high school to college
How student loans impact your credit
Research tips when choosing a college
Saving for retirement and a child's education at the same time
Sticker shock--creative ways to lower the cost of college
Student loan basics
The best ways to save for college
The college application process
Decision Tools
Determining how much to save for college
College savings analyzer
Finding the funds to pay for a college education
Higher education figures at-a-glance
Evaluating college savings options
Advantages and disadvantages of 529 plans
Advantages and disadvantages of Coverdell education savings accounts
Advantages and disadvantages of custodial accounts for college savings
Advantages and disadvantages of U.S. savings bonds for college savings
College funding options analyzer
College savings vehicles compared
Financial aid
College application and financial aid calendar
Comparison of federal higher education loans
Financial aid calendar
Tax issues
Comparison of education tax credits and deductions
Qualified education expenses defined
Summary of tax-advantaged college savings options
FAQs
Applying to college
How many colleges should my child apply to?
When are college applications due?
College costs
Are there any ways to lower the cost of college?
What expenses are included in the annual cost of college?
What is the college inflation rate?
Education tax credits
Now that my child is in college, am I entitled to any education tax credits?
What are the Hope credit and the Lifetime Learning credit?
Financial aid
Are any financial aid programs tailored especially to parents of post-secondary students?
Are there any assets that are not counted for financial aid purposes?
Can an UGMA/UTMA account reduce my child's financial aid for college?
Can anyone get a Pell Grant?
Can we negotiate our child's financial aid award?
Do colleges offer financial aid?
How can my child find scholarships for college?
How do I apply for financial aid?
How do I know if I'm eligible for federal financial aid?
How does the federal financial aid process work?
Is there anything I can do now so that my child can obtain more financial aid later?
What are the major federal financial aid loan programs?
What happens if our child's college does not give us all the financial aid we need?
What is a Stafford Loan?
Paying for college
I've heard that a grandparent can pay a grandchild's tuition directly to the college without any gift tax problems. Is this true?
Should I take out a home equity loan to pay for my child's tuition?
Should I use my 401(k) to fund my child's college education?
Should I withdraw money from my IRA to pay for my child's college tuition?
Student loans
Are my student loan payments tax deductible?
Can I refinance my student loan?
How will I ever pay off my student loans?
I'm having trouble paying my student loans. What should I do?
Is student loan interest deductible?
Should I pay off my student loans early with a home equity loan?
Estate Planning
Articles
Charitable giving
Charitable giving
Life insurance and charitable giving
Estate planning basics
Estate planning--an introduction
Gift and estate taxes
Trust basics
Medicaid planning
Medicaid and nursing home care
Medicaid and the principal residence
Medicaid planning basics
Decision Tools
Charitable giving
How a charitable remainder trust works
The best property to give to charity
Estate planning basics
Federal estate tax estimator
Federal transfer tax exemption amounts under the Tax Act of 2001
Table of federal estate tax brackets and exemption limits
Probate
The probate process: initial tasks
FAQs
Estate and gift tax
I just made a gift. Do I have to file a gift tax return?
Estate planning basics
What makes up my taxable estate?
Probate
Does property owned jointly avoid probate?
What is probate and why do I want to avoid it?
Government Benefits
Articles
Medicare and Medicaid
Coordinating long-term care insurance with government benefits
Health insurance in retirement
Medicaid and nursing home care
Medicaid and the principal residence
Medicaid planning basics
Medicare
Other government benefits
Government-sponsored disability insurance programs
Receiving unemployment benefits
What employers need to know about workers' compensation insurance
Social Security
Social Security disability benefits
Social Security retirement benefits
Social Security survivor's benefits
Understanding Social Security
Decision Tools
Medicare and Medicaid
Medicaid eligibility for nursing home care
Medicare figures at-a-glance
Medicare, Medigap, and Medicaid
Social Security
Disability income needs worksheet
How earnings affect Social Security
Social Security disability insurance (SSDI): awards and applications illustrator
Social Security figures at-a-glance
Sources of retirement income: filling the Social Security gap
What are your chances of becoming disabled?
FAQs
Medicare and Medicaid
How do I enroll in Medicare?
How does Medicare Advantage work?
I'm putting money into a 529 plan for my grandchild. But are the 529 assets subject to Medicaid spend-down requirements?
I'm thinking about placing my mother in a nursing home. Will Medicaid pay for her care?
If I'm covered by Medicare, should I have additional health insurance?
Social Security
Are my Social Security benefits subject to income tax?
Does my 16-year-old have to pay Social Security tax on her earnings?
How can I get an estimate of my Social Security benefits?
How do I get disability benefits from Social Security?
My husband and I are divorcing after 30 years of marriage. Will I still be able to receive Social Security retirement benefits based on his earnings record after our divorce?
Should I retire now at age 62 and collect Social Security benefits, or should I wait until age 65?
When do I have to apply for a Social Security number for my newborn?
Personal Finance
Articles
Buying a car
ABCs of auto insurance
Buying a car
GAP insurance
How safe is that new car?
Decision Tools
Owning a car
Auto insurance analyzer
Auto loan payment calculator
How to save money on your auto insurance
Should you buy or lease your car?
Owning a home
Is my home mortgage interest fully deductible?
Less common mortgage options
Mortgage payment calculator
Popular types of mortgages
Should you refinance your mortgage?
FAQs
Buying, selling, or leasing a car
How much will my monthly car payment be?
Is there any way to get out of a car lease?
Should I buy or lease a car?
Should I pay cash for a car or finance it?
Mortgages
Can my mortgage lender require me to have an escrow account?
I am behind on my mortgage payments. Will my lender begin foreclosure proceedings?
My mortgage includes a statement that a penalty may be imposed for early payoff. What does that mean?
Should I pay off my student loans early with a home equity loan?
Should I take out a home equity loan to pay for my child's tuition?
What are the advantages of making biweekly mortgage payments?
What's involved in getting a VA mortgage?
What's the difference between a home equity line of credit and a second mortgage?
Which mortgage is better--fixed rate or adjustable?
Why do I have to purchase homeowners insurance in order to obtain a mortgage?
Selling a home
How do I figure the tax on the sale of my home?
I'm having a hard time selling my home. Should I take out a reverse mortgage?
Should I sell or rent out my present home?
Protection Planning
Articles
Business insurance
Business interruption insurance
Business liability insurance basics
Business overhead expense insurance
Life insurance for the self-employed
What employers need to know about workers' compensation insurance
Why insure your business?
General insurance topics
Buying insurance: what savvy consumers should know
Umbrella liability insurance
Why buy insurance?
Decision Tools
Business insurance
Business life insurance needs
How cross purchase plans work
How entity purchase plans work
How insurance preserves assets
Number of policies needed with a cross purchase plan
FAQs
Business insurance
How can I get affordable health insurance if I'm self-employed?
I own a business. Are there any creative ways I can use life insurance in my business?
What kind of insurance coverage do I need for my small business?
Retirement Planning
Articles
Social Security
Social Security retirement benefits
Understanding Social Secu