Parent Planning College Savings Neeeds to Stash Cash

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Sun., Oct. 7, 2012 -- The average cost of college increasing 5 to 8 percent annually, says Eric Lathrop of Insight Finacial Services LLC....

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Skeptical About Retirement Options

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Jul 8, 2012 ... You should also ask if the proposed plan is placing all or part of your retirement funds into one product, said Alex Jenkins of Insight Financial ...

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Cost Basis for Inherited Stock?

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May 2, 2012 ... Biz brain: Cost basis for inherited stock? ... Service rules and regulations, said Robert Bacino of Insight Financial Services in Flemington.

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Postponing Retirement is One Option to Keep Spouse

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Apr 29, 2012 ... Biz Brain: Postponing retirement is one option to keep spouse insured ... said Shelley Parish Nord of Insight Financial Services in Flemington.

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What's My Liability for My Daughter's Student Loans?

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Feb 6, 2012 ... Biz Brain: What's my liability for my daughter's student loans? ... interest to the United States Department of Education,” said Robert Bacino of

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Determining the Cost Basis for DRIP Stocks

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Jan. 9, 2012 ... I have had DRIP stocks for over 15 years and I am trying to find out if there is an easy way to determine the cost basis of each stock. I am bombarded with terms such as dividend reinvestment, transaction amount, net dividend payout, transaction shares, dividend rate, etc. Are all of these terms necessary?

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Shredding Old Documents Always a Must

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Oct 30, 2011 ... Unfortunately, the deaths of loved ones means it's time for the surviving family members to do a lot of cleaning.

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Hopeful Homeseller Considers Capital Gains Consequences

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Oct. 25, 2011...The Brain hopes the housing market sees an upturn before your target selling date. ... period ending on the date of sale," said Robert Bacino of Insight Financial Services in Flemington.

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Longterm Financial Planning for Money Left to a Child

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Sept. 4, 2011... Longterm financial planning for money left to a child ... can fluctuate in value, said Robert Bacino of Insight Financial Services in Flemington. ...

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Credit Checks Can Indeed Impact Your Credit Score

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Aug 15, 2011 ... Someone with a long, stable credit history should not really be adversely affected , said Shelley Parish Nord with Insight Financial Services in ...

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No Credit Spells Problems for Adult Daughter

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Apr 10, 2011 ... Home > New Jersey Business > Biz Brain ... health, said Robert Bacino of Insight Financial Services in Flemington. ... Your daughter, before applying, should ask the secured card if they report activity to the credit bureaus, because that's what she needs. ... E-mail your questions to askbiz@starledger.com. ...

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Card Sharing Leads to Sullied Credit Record

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Mar 28, 2011 ... At the time I requested the cards, I can't remember if they asked for her Social Security number. ... from each account, said Robert Bacino of Insight Financial Services in Flemington. ... Also keep in mind if your daughter turns out to be a joint account holder, ... E-mail your questions to askbiz@starledger.com. ...

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Reverse Mortgages are Not for Everyone

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Dec 28, 2010 ... Q. What are the pros and cons of a reverse mortgage? ... personal residence, said Robert Bacino of Insight Financial Services in Flemington. ... Bacino said because reverse mortgages are Home Equity Conversion mortgages, ...

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Mortgage Escrow Accounts: The How and Why

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Dec 26, 2010... it has reserved on your behalf to make the next year's set of payments, said Shelley Parish Nord of Insight Financial Services in Flemington. ...

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The Pros and Cons of Investing in CDs, Insurance Policies

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Oct 6, 2010 ... CDs, which are FDIC-insured, will offer safety, said Robert Bacino of Insight Financial Services in Flemington. Compare that with life insurance, ...

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NJ Family has Options for Investing Award Money, Funding Education

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Oct 3, 2010... aid package should be offered to the student who is accepted,'' said Shelley Parish Nord of Insight Financial Services in Flemington. ...

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To Qualify for Credit, You Have to Use Credit

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Aug 11, 2010... can repossess the asset should you fail to make payments,'' said Shelley Parish Nord with Insight Financial Services in Flemington. ...

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IRS Publication 970 is Parents' Guide to 529 Plans

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Jul 26, 2010... said Shelley Nord of Insight Financial Services in Flemington. According to IRS Publication 970, Qualified Tuition Programs (529 plans) are ...

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Couple Must Rethink Plan to Avoid Capital Gains Tax

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Jul 18, 2010... said Wayne Tillman of Insight Financial Services in Bridgewater. ... that amount , and be able to buy the house of their dreams," Tillman said. ...

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Missing Out on Greyhound Shares

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Jun 30, 2010 ... continued in business and was renamed Dial Corporation in 1991, said Shelley Parish Nord of Insight Financial Services in Flemington. ...

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Ways to Find the Lowest Interest Rates When Refinancing

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Jun 28, 2010 ... Interest rates on mortgages are based on many factors, including the general risk -taking view of the institution offering the loan, Bacino said. ...

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Be Mindful of Housing Costs-to-Income Ratio When Applying for Loans

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Jun 21, 2010... said Shelley Parish Nord with Insight Financial Services in Flemington. ... repair and postpone anything that is not an emergency," Nord said. ...

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There are Ways to Track Down Past Contributions to Retirement Accounts

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May 26, 2010 ... Home > New Jersey Business > Biz Brain ... said Wayne Tillman of Insight Financial Services in Bridgewater. ''When you contact these people, they probably will ask you for your account ... access into customer investment accounts," Tillman said. ... E-mail your questions to askbiz@starledger.com. ...

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A Grandmother Asks, What Happens to 529 College Funds for Grandchildren

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May 5, 2010 ... Nord said the Michigan plan's website answers the question by saying, ''The treatment of ... E-mail your questions to askbiz@starledger.com. ...

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Keep Relatives Informed of Where to Find Financial Data

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May 31, 2010 ... A. The Brain is sorry to hear of your relative's passing. ... Also ask the bank where he did business if he had a safety deposit box, and check his ... insurance policy too, said Shelley Parish Nord with Insight Financial Services in Flemington. ... E-mail your questions to askbiz@starledger.com. ...

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Debt Settlement Negatively Affects Credit Score

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Mar 28, 2010 ... Shelley Parish Nord of Insight Financial Services in Flemington warns your son to watch out for credit repair companies that offer to fix credit for ...

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Only You Can Determine if Investing in Life Insurance is a Good Plan

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Mar 14, 2010 ... I am 67, and agents are asking me to convert the policy (which is payable to age 95) to an annuity. ... Home > New Jersey Business > Biz Brain ... outstanding debt such as a mortgage," said Shelley Parish Nord of Insight Financial Services in Flemington. ... E-mail your questions to askbiz@starledger.com. ...

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Before You Cancel That Credit Card, Determine the Impact on Your Credit Score

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Dec 30, 2009 ... Home > New Jersey Business > Biz Brain ... A. It's smart of you to ask about these issues before you cancel any accounts, ... long one has had credit lines open,'" said Robert Bacino of Insight Financial Services in Flemington. ...

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Health History is Just as Important as Age in Determining Long-term Care Premium

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Dec 8, 2009... and home-health aides receiving about $26 per hour, said Wayne Tillman with Insight Financial Services in Bridgewater. ...

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Removing Fraudulent Activity from Your Credit History

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Dec 1, 2009... only the passage of time and continued good credit habits will do it, said Robert Bacino of Insight Financial Services in Flemington. ...

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Know Your Rights Concerning Collections Calls

Nov 20, 2009 ... Home > New Jersey Business > Biz Brain ... debt," said Wayne Tillman of Insight Financial Services in Bridgewater. Tillman said section 805 of the Fair Debt Collection Practices ... If you ask them to stop contacting you by phone, they must abide by that request, no questions asked, no exceptions.

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Paying a Mortgage with a Windfall Not So Simple

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Oct 14, 2009 ... “When you amortize a mortgage, you are paying down an asset's cost over a fixed period of time,” said Wayne Tillman of Insight Financial in ...

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Determine if Annuities are Right for You

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Sep 30, 2009 ... “They are long-term, tax-deferred investment vehicles designed for retirement purposes,” said Robert Bacino with Insight Financial Services ...

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Converting an SEP IRA

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Sep 1, 2009... said Wayne Tillman of Insight Financial Services in Bridgewater. ... IRAs and want to make the conversion, here's an extra note from Tillman. ...

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Investing Retirement Savings

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May 5, 2009 ... Ask the Biz Brain: Investing retirement savings ... money in retirement," says Robert Bacino with Insight Financial Services in Flemington. ...

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Can the FIDC Still Help?

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Mar 25, 2009 ... ASK THE BIZ BRAIN: Can the FDIC still help? ... and 16 so far in 2009, says Wayne Tillman of Insight Financial Services in Bridgewater. ... Tillman says this means the FDIC will have fewer assets to insure in the future. ...

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Ask the Biz Brain

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