HOME \ Biz Brains
Oct 8, 2012

Parent Planning College Savings Neeeds to Stash Cash

Posted In nj.com

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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Jul 8, 2012

Skeptical About Retirement Options

Posted In nj.com

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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May 2, 2012

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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Apr 29, 2012

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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Feb 6, 2012

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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Jan 9, 2012

Determining the Cost Basis for DRIP Stocks

Posted In nj.com

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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Oct 30, 2011

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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Oct 25, 2011

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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Sep 4, 2011

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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Aug 15, 2011

Credit Checks Can Indeed Impact Your Credit Score

Posted In nj.com

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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Apr 10, 2011

No Credit Spells Problems for Adult Daughter

Posted In nj.com

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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Mar 28, 2011

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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Dec 28, 2010

Reverse Mortgages are Not for Everyone

Posted In nj.com

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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Dec 26, 2010

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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Oct 6, 2010

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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Oct 3, 2010

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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Aug 11, 2010

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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Jul 26, 2010

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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Jul 18, 2010

Couple Must Rethink Plan to Avoid Capital Gains Tax

Posted In nj.com

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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Jun 30, 2010

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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Jun 28, 2010

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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Jun 21, 2010

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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May 26, 2010

There are Ways to Track Down Past Contributions to Retirement Accounts

Posted In nj.com

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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May 5, 2010

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

Posted In nj.com

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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Mar 31, 2010

Keep Relatives Informed of Where to Find Financial Data

Posted In nj.com

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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Mar 28, 2010

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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Mar 14, 2010

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

Posted In nj.com

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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Dec 30, 2009

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

Posted In nj.com

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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Dec 8, 2009

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

Posted In nj.com

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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Dec 1, 2009

Removing Fraudulent Activity from Your Credit History

Posted In nj.com

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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Nov 20, 2009

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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Oct 14, 2009

Paying a Mortgage with a Windfall Not So Simple

Posted In nj.com

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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Sep 30, 2009

Determine if Annuities are Right for You

Posted In nj.com

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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Sep 1, 2009

Converting an SEP IRA

Posted In nj.com

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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May 5, 2009

Investing Retirement Savings

Posted In nj.com

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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Mar 25, 2009

Can the FIDC Still Help?

Posted In nj.com

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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Jan 9, 2009

Ask the Biz Brain

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