FiRN's mission is to provide comprehensive financial services and information through individualized care for our clients. We work for our clients, rather than for product vendors.

Advisors & Advice                            Return to Topics List

The Skinny on Momentum Investing Strategies (Fidelity) `13-11 #447
Momentum investing: "A "trendy" investing strategy does just that, but the difference is that it's done systematically and with a plan. A momentum strategy basically follows trends -- but it's not only about buying the hottest stocks or assets. The strategy can be used as an attempt to reduce risk as well as outperform."
November`13 (request PDF 447)

Tidying Up Your Financial Life (NY Times) `13-11 #503
Three suggestions on how to tidy up your financial chaos.
November `13 (request PDF 503)

3 Investment Behaviors to Overcome (Janus) `13-10 #469
This article discusses how your "portfolio's worst enemy may be you."
October `13 (request PDF 469)

Five Signs of a Timewaster Client (and how to deal with them) (IFA online) `13-09 #456
gWhile they cannot be avoided, timewasters can be managed. Rebecca Jones looks at how to identify and handle one."
September `13 (request PDF 456)

Special Report: Women and Money - What Women Investors are Doing Right (Fidelity) `13-09 #458
This article discuss "how women save more, take on less risk, and focus on the long term, even in turbulent times."
September`13 (request PDF 458)

Picking a Winner (Int'l Advisor) `13-07 #462
This article discusses the five things to look out for when choosing a structured product.
July `13 (request PDF 462)

Should You Use a Bucket Strategy? (Fidelity) `13-06 #500
This article discusses the pros and cons of putting your money in different buckets which you think may give you peace of mind.
June `13 (request PDF 500)

A Cut-Out-and-Keep Guide to Finding the Best Structured Product (Int'l Adviser) `13-05 #491
gReaders won't be surprised to hear that some investment banks are less scrupulous than they might be when choosing the products they get involved with. For this reason, it is important that advisers have a decent level of knowledge of structured products, and how to evaluate them."
May `13 (request PDF 491)

Telling the Truth on Fees, Warts and All (NY Times) `13-05 #492
gA solid double-digit return was whittled down to a decent single-digit one before my eyes. But with nearly half the gain consumed by fees, taxes and inflation, it was a reminder that all investors should be focused on the real return and forget about that dazzling headline number."
May `13 (request PDF 492)

The Tyranny of the Billable Hour (NY Times) `13-03 #532
This article reviews the unfortunate underlying billing-regime and the law-firm culture it has spawned.
March `13 (request PDF 532)

Don't Follow the Herd (STEP) `13-03 #486
This article discusses problem of personal biases when making financial decisions.
March `13 (request PDF 486)

The Reluctant Salesperson (STEP) `13-02 #483
This article discusses why service providers need to be disciplined marketers.
February `13 (request PDF 483)

An Attractive Proposition (STEP) `13-02 #484
This article discusses effectively presenting your business values.
February `13 (request PDF 484)

Investing Without Certainty (STEP) `13-02 #485
This article discusses the need for good diversification particularly in difficult times.
February `13 (request PDF 485)

What is More Important? Economic Fundamentals, Investor Confidence or
Meditation? (Miton Optimal) `13-04 #478
Listen to your inner voice as well as the fundamental facts.
April `13 (request PDF 478)

Personnel Choice (STEP) `13-03   #475
This article discusses how to choose a wealth manager.
March `13 (request PDF 475)

Is Trend Following Dead (Attain Capital Mgmt.) `12-11 #426
This article discusses "taking a step back, look at how and why trend followers do what they do...and build a portfolio that makes sense for you."
November `12 (request PDF 426)

Critical Position (STEP) `12-10 #529
How to best manage family conflict that is interfering with the activities of the wealth manager.
October `12 (request PDF 529)

Extra Seat (STEP) `12-10 #530
This article discusses the administration of Family Council-type structures.
October `12 (request PDF 530)

A Sample Retirement Portfolio Using the Bucket Approach (Morningstar) `12-09 #428
gThis aggressively positioned sample portfolio illustrates how the increasingly popular "bucket" strategy works. Here's your assignment: Gather up all of your retirement accounts and shape them into a portfolio that will supply you with the income you'll need during your retirement years. Oh, and one other tiny to-do: You'll also need to make sure you never run out of money, even though you don't know exactly how long you'll need it."
September `12 (request PDF 428)

How to Pick Stocks Without Getting Burned (Fidelity) `12-06 #416
Individual investors, burned in the financial meltdown, have continued to flee the U.S. stock market even as it has doubled. The article explains what the individual investors should be doing.
June `12 (request PDF 416)

Godfather or Superman? (ifaonline.co.uk) `12-05 #389
Financial Services? The question is whether you are getting a service or just providing profits for
others.
May `12 (request PDF 389)

Investing - Why It Matters How Your Advisor is Paid (NAPFA) `12-05 #391
How you Advisor is paid "is the most important thing that determines the quality of advice you receive....The fee-based model creates many conflicts of interest, because the advisor's income is affected by the financial products that the client selects."
May `12 (request PDF 391)

Where are the Guardian Angels? (Ha'Aretz) `12-03 #495
This article reviews the lack of supervision of Israeli custodians - who control the assets of thousands of people deemed incapable of handling their own affairs - and has opened the door to fraud against society's most vulnerable.
March `12 (request PDF 495)

Everyone Should Use the Overnight Test (NY Times) `12-01 #417
gA friend of mine recommends what he calls the Overnight Test. Ask yourself what you would do if someone came in and sold all of your investments overnight. The next morning you wake up and you're left with 100 percent cash in your account." What would you do?
January `12 (request PDF 417)

How to Avoid the Worst Mistakes Investors Make (Merriman) `2000 #423
This article discusses 18 investing mistakes to avoid.
2000 (request PDF 423)

Is There a Better Way Than Buying High, Selling Low? (Financial Times) `95-03 #439
This article discusses mutual fund investing strategies and gives a few simple rules to help investors make money from funds rather than lose it. Unfortunately, most investors buy when everyone is talking about the market, precious metals, etc., instead of having a rational investment plan.
March 1995 (request PDF 439)

Look for Leadership Rather Than Management (Financial Times) `95-03 #445
gJohn Train sets out what shrewd investors should seek from executives - and says integrity and vision must be top of the list."
March 1995 (request PDF 445)

Developing Your Own Perspective on Risk Management (Forbes) 1994   #508
This article discusses "how the investor can gain a clear idea of his or her overall risk picture" and reviews the investor's goal and time horizons.
1994 (request PDF 508)

Banking and Related Structures
              Return to Topics List

Why You Should Not Add Your Child's Name to Your Bank Account (NAPFA) `13-07 #450
This article discusses the potential unintended consequences of adding your child's name to your bank account.
July `13 (request PDF 450)

World's 50 Safest Banks (Global Finance) `13-04 #477
gBank stability is an ever-more pressing concern for the world's companies and investors."
April `13 (request PDF 477)

Lowering the FBAR (STEP) `13-03   #474
This article discusses the US government's clampdown on foreign bank accounts.
March `13 (request PDF 474)

Israeli Banks Demanding to See U.S. Citizens' Tax Returns (Ha'aretz) `12-11 #427
gIn a move that some tax lawyers are calling a blatant violation of customer privacy, two Israeli banks are requiring current and prospective account holders with American citizenship to furnish portions of their U.S. tax returns. Those who refuse to do so risk having their applications denied, or their existing bank accounts frozen."
November `12 (request PDF 427)

Bonds and Debt Investing                  Return to Topics List

Bond Strategies for Today's Markets (Fidelity) `13-11 #506
This article discusses: "The right reaction to rates depends on your goals....five strategies to consider."
November `13 (request PDF 506)

The Rise and Fall of US Bonds (Miton Optimal) `13-08 #452
gOver the past 65 years since the last time we were at 2%" in 1948...interest rates have had a general rise than a decline. Therefore, looking forward 10 years into the future can tell us what to expect from the bond market.
August `13 (request PDF 452)

Budgeting and Family Finances Related       Return to Topics list

Tidying Up Your Financial Life (NY Times) `13-11 #503
Three suggestions on how to tidy up your financial chaos.
November `13 (request PDF 503)

When it's Time to Manage Dad's Money (Fidelity) `13-11 #505
gOne of the toughest things about taking care of an elderly relative is becoming a financial caregiver. Many adult children take on the role so gradually that they don't realize they have done so." The article gives pointers on how to go about managing your parent's finances.
November `13 (request PDF 505)

When Converting a Roth I.R.A. Back to a Traditional One Makes Sense (NY Times) `13-10 #459
gWhen it comes to making financial decisions to save on taxes, you don't usually get a do-over. Just ask all those people who rushed to make large tax-free gifts to family members at the end of last year before a historically high exemption was set to expire. Not only did the exemption not end, but it was
increased for 2013. And there was no way to get those tax-driven gifts back. One exception to the no-do-over rule involves the Roth I.R.A."
October `13 (request PDF 459)

10 Tips for Family Budgeting (GIS) `13-10 #461 (HEBREW)
October `13 (request PDF 461)

The Legacy Conversion: Talking to Your Heirs About Their Inheritance (Janus) `13-10 #470
October `13 (request PDF 470)

Special Report: Women and Money - What Women Investors are Doing Right (Fidelity) `13-09 #458
This article discuss "how women save more, take on less risk, and focus on the long term, even in turbulent times."
September`13 (request PDF 458)

Death Dinners at Baby Boomers' Tables Take on Dying Taboo (Bloomberg) `13-09 #455
This article discusses confronting real-life issues wrapped up in death and dying that few people like to acknowledge, let alone talk about at a dinner party.
September `13 (request PDF 455)

Why You Should Not Add Your Child's Name to Your Bank Account (NAPFA) `13-07 #450
This article discusses the potential unintended consequences of adding your child's name to your bank account.
July `13 (request PDF 450)

Giving Your Grandkids a Head Start (Fidelity) `13-06 #493
The principles in this article discuss the possibilities for Americans to shelter gifts and growth for children and grandchildren from US taxes, and foreign taxes depending on tax treaty provisions, which
are usually favourable.
June `13 (request PDF 493)

The Talk You Didn't Have With Your Parents Could Cost You (NY Times) `13-05 #496 (in the same pdf file as above)
The article talks about several major problems, including "putting important papers in a safe deposit box, which might be inaccessible to heirs without a court order."
May `13 (request PDF 496)

Financial Opposites in a Life Together (NY Times) `13-04 #497
gJennifer and Scott Bartone were married in October after a seven-year courtship. But they did not have a serious conversation about money until this week..."
April `13 (request PDF 497)

A Shocking Death, a Financial Lesson and Help for Others (NY Times) `13-01 #511
What should have been done long before the loss of a loved one.
January `13 (request PDF 511)

More Costly Than Higher Taxes: Rash Decisions (NY Times) `12-11 #430
Some investors may be tempted to act soon to take advantage of the current tax rates. Melissa Labant, an accountant and tax expert, warns against selling a home in fear of possible future tax changes. But financial advisers say that in their rush to do something this year, investors may end up with regrets."
November `12 (request PDF 430)

How Israelis Learned to Stop Worrying and Love Mortgages (Ha'aretz) `12-11 #433
gWith hyperinflation the stuff of history and interest rates low, more and more Israelis are heading to banks to help finance their dream home."
November `12 (request PDF 433)

When Money is Thicker Than Blood (Ha'aretz) `12-11 #432
This article discusses considering the personal risks before registering property in a family member's name for tax purposes.
November `12 (request PDF 432)

It's Hard, But It's Harder to Ignore This (STEP) `12-10 #531
Parents teaching personal finance and preparing children for inheritance.
October `12 (request PDF 531)

9 Ways to Help Your Parents' Finances Without Going Broke Yourself (WealthWire) `12-10 #422
gOur parents have been hit by a decade-long debt and housing crisis that has wiped out savings and left them, well, broke. This isn't a topic you're likely to hear discussed around the water cooler. Heck, your parents probably don't even want to talk about it with you. It's embarrassing and their personal finances are their business, right? What you need to realize is that your parents' insolvency affects you in ways you never imagined. So here are nine moves you can make before you -- and your finances -- are slammed." Please note that Israeli law is much more severe on this issue than North American laws.
October `12 (request PDF 422)

Business Related      Return to Topics list

Five Top Asset Protection Tips (Companies Incorporated) `13-02 #513
Ways to protect assets from confiscation via court order or from tax authorities.
February `13 (request PDF 513)

Children, Adolescents - Financially Related Issues      Return to Topics list

When it's Time to Manage Dad's Money (Fidelity) `13-11 #505
gOne of the toughest things about taking care of an elderly relative is becoming a financial caregiver. Many adult children take on the role so gradually that they don't realize they have done so." The article gives pointers on how to go about managing your parent's finances.
November `13 (request PDF 505)

It's Hard, But It's Harder to Ignore This (STEP) `12-10 #531
Parents teaching personal finance and preparing children for inheritance.
October `12 (request PDF 531)

Commodity Related Investing                               Return to Topics list

The Lust for Gold (NY Times) `13-04 #487
This article discusses how "it has become as a rude shock to many small gold investors, who imagined they were buying the safest of all assets."
April `13 (request PDF 487)

Currencies                  Return to Topics list

Economic Predictions & Analysis:                Return to Topics list

Awaiting the Next Market Crash (The Motley Fool) `13-11 #502
This article provides an approach for those fearing the next market crash.
November `13 (request PDF 502)

Investing in Africa (STEP Journal) `11-09 #370
"...the long-term case for investing in Africa."
September `11 (request PDF 370)

The Rise and Fall of US Bonds (Miton Optimal) `13-08 #452
gOver the past 65 years since the last time we were at 2%" in 1948...interest rates have had a general rise than a decline. Therefore, looking forward 10 years into the future can tell us what to expect from the bond market.
August `13 (request PDF 452)

The Plague of the Black Debt (Strategic Investment) 1995 #438
This article gives a Forecast for the Millenium: Some earth-shaking events which could take place as the year 2000 approaches. It is worth looking at predictions to see how poorly most predictions turn out.
1995 (request PDF 438)

FiRN Literature - French       Return to Topics list

FiRN Literature & Forms        Return to Topics list

Hedge, Alternative, Structured Products:       Return to Topics list

The Hedge Fund Myth (Bloomberg) `13-07 #499
gThe age of the multi-billionaire celebrity hedge fund manager may be drawing to a close, but the funds themselves can still serve a useful purpose for prudent investors looking to manage risk. Let the industry's recent under-performance serve as a reality check: No matter how many $100 million Picasso paintings they purchase, hedge fund moguls are not magicians. The sooner investors realize that, the better off they will be."
July `13 (request PDF 499)

Helpful Info - Non-investment         Return to Topics list

A Disconnect in Money, Logic and Emotion (NY Times) `13-10 #460
This article discusses how money = stress, and suggestions about dealing with it.
October `13 (request PDF 460)

The Perils of Ascribing Meaning to a Random Event (NY Times)`13-10 #467
gLife is random, and at times, we'll have to act with limited information. That said, we shouldn't cheat ourselves out of the opportunity to take advantage of all the information we do have. And it's rare that one moment in time will give us enough information to make the big decisions."
October `13 (request PDF 467)

Everybody Starts in the T-shirt Zone (NY Times) `13-05 #489
This article discusses T-shirts and the industrial revolution. This article clearly explains how economies go from agricultural to hi-tech within one or two generations.
May `13 (request PDF 489)

Leaving Behind the Digital Keys to Financial Lives (NY Times) `13-05 #496
This article discusses digital legacy in our computerized world; and the problem when passwords die with your loved ones.
May `13 (request PDF 496)

No Shelter (STEP) `13-04 #480
This article considers the Israeli Court's view on attorney-client privilege.
April `13 (request PDF 480)

Family Ties (STEP) `13-04 #479
This article discusses the importance of a family constitution and if it should be legally binding.
April `13 (request PDF 479)

What is More Important? Economic Fundamentals, Investor Confidence or
Meditation? (Miton Optimal) `13-04 #478
Listen to your inner voice as well as the fundamental facts.
April `13 (request PDF 478)

A Different Perspective (STEP) `12-11 #476
This article discusses the nature of memory and the value of being a good listener, especially important whenever doing any kind of financial dealing.
November `12 (request PDF 476)

Protect Your Children With Dual Residency (WealthWire) `12-11 #434
gIf America is rocked by the imminent social and economic upheaval that so many forecast, then your children's freedom and safety may depend upon their ability to leave and be immediately welcomed elsewhere. Protect them from statism just as you vaccinate them against disease."
November `12 (request PDF 434)

You Probably Have too Much Stuff (NY Times) `12-08 #404
gWhy exactly do you own what you own? What could you get rid of and not miss? Do I really still need that? What is it costing me to own that?
August `12 (request PDF 404)

My Life as a Knowledge Worker (Inc.com) `97-02 #425
This article "describes seven personal experiences that taught him how to grow, to change,
and to age--without becoming a prisoner of the past ." By Peter Drucker, one of the outstanding management thinkers of the twentieth century.
February `97 (request PDF 425)

Home-buying Renting Mortgages & RE investing         Return to Topics list

Affordable Housing the Haredi Way (Ha'aretz) `12-08 #410
gThe Haredi community is working with the government to build thousands of new homes that will sell for less than NIS 500,000 apiece in the planned city of Harish."
August `12 (request PDF 410)

Survival Guide for the Part-Time Landlord (Ha'aretz) `12-06 #401
The most important thing when renting out a property is the renter, and good instincts need to be developed and the right questions asked. This article discusses how to make the most on your real-estate investment.
June `12 (request PDF 401)

Accounting Services For New Apartment Buyers- to Solve 3 Problem Areas (Sher) `12-02 #515
3 problems and solutions in regard to Real Estate closings.
February `12 (request PDF 515)

IFA Practice Management               Return to Topics list

The Tyranny of the Billable Hour (NY Times) `13-03 #532
This article reviews the unfortunate underlying billing-regime and the law-firm culture it has spawned.
March `13 (request PDF 532)

Insurance Related                   Return to Topics list

Healthy Diagnosis (Int'l Adviser) `11-12 #371
A review of health insurance possibilities for expatriates who cannot easily get good coverage where they currently live.
December `11 (request PDF 371)

4 Important Questions to ask about Life Insurance (Fidelity) `12-08 #400
How does life insurance work? What types of life insurance are available? When is the right time to buy life insurance? How much life insurance do you need?
August `12 (request PDF 400)

Life Insurance - How Much is Enough? (Money Magazine) #446
Life Insurance calculator.
(request PDF 446)

Investing - Basic Concepts & Principles             Return to Topics list

Fidelity Incites ETF Price War (MarketWatch) `13-10 #465
This article discusses how Fidelity competes by offering a no brokerage fee cost ETFs.
October `13 (request PDF 465)

The Perils of Ascribing Meaning to a Random Event (NY Times)`13-10 #467
gLife is random, and at times, we'll have to act with limited information. That said, we shouldn't cheat ourselves out of the opportunity to take advantage of all the information we do have. And it's rare that one moment in time will give us enough information to make the big decisions."
October `13 (request PDF 467)

3 Investment Behaviors to Overcome (Janus) `13-10 #469
This article discusses how your "portfolio's worst enemy may be you."
October `13 (request PDF 469)

Picking a Winner (Int'l Advisor) `13-07 #462
This article discusses the five things to look out for when choosing a structured product.
July `13 (request PDF 462)

Investing Without Certainty (STEP) `13-02 #485
This article discusses the need for good diversification particularly in difficult times.
February `13 (request PDF 485)

Is Trend Following Dead (Attain Capital Mgmt.) `12-11 #426
This article discusses "taking a step back, look at how and why trend followers do what they do...and build a portfolio that makes sense for you."
November `12 (request PDF 426)

True Diversification (STEP) `12-11 (STEP) #521
This article "outlines the results of recent research into portfolio diversification."
November `12 (request PDF 521)

A Sample Retirement Portfolio Using the Bucket Approach (Morningstar) `12-09 #428
gThis aggressively positioned sample portfolio illustrates how the increasingly popular "bucket" strategy works. Here's your assignment: Gather up all of your retirement accounts and shape them into a portfolio that will supply you with the income you'll need during your retirement years. Oh, and one other tiny to-do: You'll also need to make sure you never run out of money, even though you don't know exactly how long you'll need it."
September `12 (request PDF 428)

How to Pick Stocks Without Getting Burned (Fidelity) `12-06 #416
Individual investors, burned in the financial meltdown, have continued to flee the U.S. stock market even as it has doubled. The article explains what the individual investors should be doing.
June `12 (request PDF 416)

Godfather or Superman? (ifaonline.co.uk) `12-05 #389
Financial Services? The question is whether you are getting a service or just providing profits for
others.
May `12 (request PDF 389)

Introducing iShares and EFS (Blackrock) `12-05 #390
A basic explanation of Exchange Traded Funds.
May `12 (request PDF 390)

The Most Important Question to Ask About Specific Investments (NY Times) `12-05 #420
gDoes this investment fit in my plan?"
May `12 (request PDF 420)

How to Protect Yourself from Your Own Investing Ignorance (NY Times) `12-04 #419
This article discusses diversification vs. ignorance.
April `12 (request PDF 419)

Achieving Absolute Return Targets (Miton Optimal) `12-03 #386
Why buy and hold asset allocation strategies don't work well and why strategic thinking works better.
March `12 (request PDF 386)

Everyone Should Use the Overnight Test (NY Times) `12-01 #417
gA friend of mine recommends what he calls the Overnight Test. Ask yourself what you would do if someone came in and sold all of your investments overnight. The next morning you wake up and you're left with 100 percent cash in your account." What would you do?
January `12 (request PDF 417)

How to Get Real About Risk (NY Times) `11-12 #418
This article discusses investment risk planning.
December `11 (request PDF 418)

How to Inflation-proof Your Portfolio (Fidelity) `11-04 #388
gTips to help protect your investments against inflation's corrosive effects."
April `11 (request PDF 388)

Year-To-Date 2011 #510
This article discusses how to read annual reports.
2011 (request PDF 510)

Is There a Better Way Than Buying High, Selling Low? (Financial Times) `95-03 #439
This article discusses mutual fund investing strategies and gives a few simple rules to help investors make money from funds rather than lose it. Unfortunately, most investors buy when everyone is talking about the market, precious metals, etc., instead of having a rational investment plan.
March `95 (request PDF 439)

For Want of a Will (Fidelity) 1994 #440
gWhen your plans are in order, the unexpected is less likely to occur. But leave your finances a mess and you could be asking for trouble."
1994 (request PDF 440)

Developing Your Own Perspective on Risk Management (Forbes) 1994   #508
This article discusses "how the investor can gain a clear idea of his or her overall risk picture" and reviews the investor's goal and time horizons.
1994 (request PDF 508)

Guides to the Investment Classics (Worth) 1993 #507
These articles are a digest of investment classics (5 pages).
1993 (request PDF 507)

Investment Timing, Asset Allocation Related:        Return to Topics list

The Skinny on Momentum Investing Strategies (Fidelity) `13-11 #447
Momentum investing: "A "trendy" investing strategy does just that, but the difference is that it's done systematically and with a plan. A momentum strategy basically follows trends -- but it's not only about buying the hottest stocks or assets. The strategy can be used as an attempt to reduce risk as well as outperform."
November `13 (request PDF 447)

Why Market Timing Doesn't Work (MarketWatch) `13-10 #464
This article discusses what is wrong with traditional market timing. Written by one of America's leading market timers in the 1970s, 1980s and 1990s.
October `13 (request PDF 464)

Should You Use a Bucket Strategy? (Fidelity) `13-06 #500
This article discusses the pros and cons of putting your money in different buckets which you think may give you peace of mind.
June `13 (request PDF 500)

A Cut-Out-and-Keep Guide to Finding the Best Structured Product (Int'l Adviser) `13-05 #491
gReaders won't be surprised to hear that some investment banks are less scrupulous than they might be when choosing the products they get involved with. For this reason, it is important that advisers have a decent level of knowledge of structured products, and how to evaluate them."
May `13 (request PDF 491)

Is Trend Following Dead (Attain Capital Mgmt.) `12-11 #426
This article discusses "taking a step back, look at how and why trend followers do what they do...and build a portfolio that makes sense for you."
November `12 (request PDF 426)

Israel Investing                   Return to Topics list

Affordable Housing the Haredi Way (Ha'aretz) `12-08 #410
gThe Haredi community is working with the government to build thousands of new homes that will sell for less than NIS 500,000 apiece in the planned city of Harish."
August `12 (request PDF 410)

Fertile Misconceptions (Ha'aretz) `12-07 #411
This article discusses Israel land speculation.
July `12 (request PDF 411)

Survival Guide for the Part-Time Landlord (Ha'aretz) `12-06 #401
The most important thing when renting out a property is the renter, and good instincts need to be developed and the right questions asked. This article discusses how to make the most on your real-estate investment.
June `12 (request PDF 401)

Israel Taxes & related issues:                Return to Topics list

The Finance Minister Needs to Push for Pension Reform (Ha'aretz) `13-08 #453
In Israel, "a total lack of understanding of the pension market, lack of courage in addressing the real problems and an absence of a comprehensive perspective of the pension system are evident all around."
August `13 (request PDF 453)

Deal of the Decade (STEP) `12-12 #528
This article "outlines the special ten-year Israeli tax regime for new immigrants and returning long-term residents."
December `12 (request PDF 528)

Israeli Banks Demanding to See U.S. Citizens' Tax Returns (Ha'aretz) `12-11 #427
gIn a move that some tax lawyers are calling a blatant violation of customer privacy, two Israeli banks are requiring current and prospective account holders with American citizenship to furnish portions of their U.S. tax returns. Those who refuse to do so risk having their applications denied, or their existing bank accounts frozen."
November `12 (request PDF 427)

When Money is Thicker Than Blood (Ha'aretz) `12-11 #432
This article discusses considering the personal risks before registering property in a family member's name for tax purposes.
November `12 (request PDF 432)

How Israelis Learned to Stop Worrying and Love Mortgages (Ha'aretz) `12-11 #433
gWith hyperinflation the stuff of history and interest rates low, more and more Israelis are heading to banks to help finance their dream home."
November `12 (request PDF 433)

Getting Your 40 Quarters - Social Security in Israel (Degani) `12-08 #403
This article discusses US social security for those resident in Israel.
August `12 (request PDF 403)

Taxes for New Residents (Olim) and Returning Residents (Telfed) `12-07 #413
A summary of the tax system (tax holiday) available to new Olim.
July `12 (request PDF 413)

US [IRS] Interest in Israel is on the Rise (Chaim Wigoda) `12-07 #356
Reports in the news seem to indicate that this is the beginning of a wider attempt to find non-complying US Persons that use Israeli banks to hide assets and income from the IRS.
July `12 (request PDF 356)

Survival Guide for the Part-Time Landlord (Ha'aretz) `12-06 #401
The most important thing when renting out a property is the renter, and good instincts need to be developed and the right questions asked. This article discusses how to make the most on your real-estate investment.
June `12 (request PDF 401)

Taxes Make Entrepreneurship Less Attractive (Broide) `12-05 #373
"Jerusalem accountant says the Trajtenberg recommendations had little economic value."
May `12 (request PDF 373)

IRS Ramps up Audits of Taxpayers in Israel (Ha'aretz) `12-04 #365
"Accountants warn financial reviews by U.S. authority here are at an all-time high . . . Americans filing their tax returns from Israel are being audited by the U.S. Internal Revenue Service with a
frequency that industry professionals have never seen before, according to several certified public
accountants."
April `12 (request PDF 365)

2011 Rental Income Tax Alert (Broide) `12-01 #372
"For those of you who prefer, or have elected, to pay taxes on residential income according to
the 10% "route", you will require special tax payment vouchers - based on your rental income for 2011 - and these must be paid by January 30th in order to enjoy the 10% tax benefit. Study the different "routes"..." (The same appears to be true for 2012 and 2013.)
January `12 (request PDF 372)

Managers of Investment Managers        Return to Topics list

Offshore Investing, Structures, etc:                   Return to Topics list

Eight Countries in Which Untraceable Shell Companies are Hardest to Set Up: Report (Int'l Advisor) `12-12 #436
gThis report, entitled Global Shell Games: Test Money Launderers' and Terrorist Financiers' Access to Shell Companies, is said by its authors to have been "the most robust test" ever conceived to measure just how well various jurisdictions enforce international rules that ban the use of untraceable, anonymous shell companies."
December `12 (request PDF 436)

Protect Your Children With Dual Residency (WealthWire) `12-11 #434
gIf America is rocked by the imminent social and economic upheaval that so many forecast, then your children's freedom and safety may depend upon their ability to leave and be immediately welcomed elsewhere. Protect them from statism just as you vaccinate them against disease."
November `12 (request PDF 434)

Renminbi as the Global Currency (Miton Optimal) `12-03 #385
What are the considerations if the Chinese currency became a major world currency.
March `12 (request PDF 385)

Changing Times (STEP Journal) `12-02 #377
The use of offshore investments for wealth planning is explained.
February `12 (request PDF 377)

Offshore Trusts: Keeping Your Assets Out of Other's Reach (Int'l) 1996 #443
This article is explains the purpose of Offshore Trusts, which are much more far-reaching than tax avoidance.
1996 (request PDF 443)

The Secrets of Asset Protection Revealed (Offshore Financial Review) 1994 #444
This article explains Asset Protection Trusts.
1994 (request PDF 444)

Precious Metals Collectibles               Return to Topics list

Real Estate Investing               Return to Topics list

Top Five Mistakes When Buying Overseas Properties (Int'l Adviser) `13-02 #514
gUltimately, the biggest mistake that most people make when buying properties overseas is not doing
their homework properly. Which is difficult to understand: These same people, after all, would not
take shortcuts when purchasing in their home country. Why do it overseas?"
February `13 (request PDF 514)

How Israelis Learned to Stop Worrying and Love Mortgages (Ha'aretz) `12-11 #433
gWith hyperinflation the stuff of history and interest rates low, more and more Israelis are heading to banks to help finance their dream home."
November `12 (request PDF 433)

Affordable Housing the Haredi Way (Ha'aretz) `12-08 #410
gThe Haredi community is working with the government to build thousands of new homes that will sell for less than NIS 500,000 apiece in the planned city of Harish."
August `12 (request PDF 410)

10 Step Guide to Purchasing an Apartment in Israel (Janglo) `12-07 #414
gThis guide provides general information about the process of buying an Israeli apartment and explains your options and legal rights at each step of the way."
July `12 (request PDF 414)

Survival Guide for the Part-Time Landlord (Ha'aretz) `12-06 #401
The most important thing when renting out a property is the renter, and good instincts need to be developed and the right questions asked. This article discusses how to make the most on your real-estate investment.
June `12 (request PDF 401)

Accounting Services For New Apartment Buyers- to Solve 3 Problem Areas (Sher) `12-02 #515
3 problems and solutions in regard to Real Estate closings.
February `12 (request PDF 515)

Real Deal (STEP) `11-10 #516
This article "highlights the pitfalls of owning US real property."
October`11 (request PDF 516)

Retirement Planning:           Return to Topics list

Top 10 Money Threats to Your Retirement (Fidelity) `13-11 #472
This article discusses what retirement savers around the world say are the biggest financial threats to
their retirement.
November `13 (request PDF 472)

What Will You Spend in Retirement? (Fidelity) `13-11 #501
This article discusses "how health care and lifestyle trends change conventional retirement planning wisdom.... Retirement is being redefined, and that has big implications for retirement planning."
November `13 (request PDF 501)

5 Common Errors of Pensioners (GIS) `13-09 #454 (HEBREW)
This article discusses 5 common errors of retirees:
1. Not creating a budget nor living within a budget.
2. Not understanding the ever increasing influence inflation will have over one's life.
3. Using up savings too fast (spending on luxuries without looking at long-term needs).
4. Giving loans and gifts to family members.
5. Disregarding tax planning (& responsibilities).
September `13 (request PDF 454)

Protect Your Retirement Portfolio From Code Red Losses (MarketWatch) `13-09 #463
This article discusses 10 retirement investment errors.
September `13 (request PDF 463)

The Finance Minister Needs to Push for Pension Reform (Ha'aretz) `13-08 #453
In Israel, "a total lack of understanding of the pension market, lack of courage in addressing the real problems and an absence of a comprehensive perspective of the pension system are evident all around."
August `13 (request PDF 453)

Smart Strategies for Retirement Income (Fidelity) `13-07 #451
This article discusses "how a broad mix of investments can help provide income and growth potential in retirement."
July `13 (request PDF 451)

Cash-Smart Ways to Help Boost Retirement Savings (Fidelity) `13-07 #473
From automatic transfers to rewards cards, the article discusses how these tools can help build your nest egg.
July `13 (request PDF 473)

To Save Securely, Save Like an Aussie (MarketWatch) `13-06 #494
gGone are the days of employee pensions in many job markets, which would guarantee a secure income in retirement. Unfortunately, many individuals are doing very little, or next to nothing, to replace this financial security. Should retirement savings be mandatory?"
June `13 (request PDF 494)

Should You Use a Bucket Strategy? (Fidelity) `13-06 #500
This article discusses the pros and cons of putting your money in different buckets which you think may give you peace of mind.
June `13 (request PDF 500)

How They Do It Elsewhere (NY Times) `13-05 #488
This article reviews how "scores of other countries have elaborate retirement systems, and some of them avoid the biggest pitfalls of America's retirement system.."
May `13 (request PDF 488)

5 Costly Retirement Surprises (Kiplinger) `13-03 #533
The article reviews health care costs, higher spending, social security taxes, taxes on nest-egg withdrawals and loss of income for a surviving spouse.
March `13 (request PDF 533)

15 Top Tips on Retiring in Israel (Anglo-Israel) `13-01 #512
This article is oriented to those considering coming to Israel for retirement.
January `13 (request PDF 512)

Five Big Risks to Your Retirement (Fidelity) `12-12 #437
gAfter spending years building your retirement savings, switching to spending that money can be stressful. But it doesn't have to be that way." You can take steps before and during retirement to manage five key risks to your retirement income.
December `12 (request PDF 437)

A Sample Retirement Portfolio Using the Bucket Approach (Morningstar) `12-09 #428
gThis aggressively positioned sample portfolio illustrates how the increasingly popular "bucket" strategy works. Here's your assignment: Gather up all of your retirement accounts and shape them into a portfolio that will supply you with the income you'll need during your retirement years. Oh, and one other tiny to-do: You'll also need to make sure you never run out of money, even though you don't know exactly how long you'll need it."
September `12 (request PDF 428)

Public Sector Pensions 'a Ponzi Scheme' (IFAonline) `12-05 #392
gA report from the Intergenerational Foundation has said...that government pensions amounted to a 'Ponzi scheme' as new members were relied upon to pay for those in retirement."
May `12 (request PDF 392)

Retirement Planning: The Personality Factor (Fidelity) 1995 #441
gSome of us are better than others when it comes to saving for retirement. Here's why and what you can do if you think you are falling behind in your quest for future security."
1995 (request PDF 441)

Scam & Theft Related         Return to Topics list

Where are the Guardian Angels? (Ha'Aretz) `12-03 #495
This article reviews the lack of supervision of Israeli custodians - who control the assets of thousands of people deemed incapable of handling their own affairs - and has opened the door to fraud against society's most vulnerable.
March `12 (request PDF 495)

Will Writer Jailed (STEP Journal) `11-10 #375
"A will writer who told clients their wills had been invalidated by changes in the law has been jailed." This article helps you understand if you are being sold a bill of goods with the preparation of a new will.
October `11 (request PDF 375)

Will Writer Jailed (STEP) 2011 #481
This article discusses why you need to check whether a service provider has been proven competent.
2011 (request PDF 481)

Stocks-Shares Investing         Return to Topics list

25 Years of Conventional Wisdom, Down the Drain (New York Times) `09-01 #335
"Investors are taught that it's more important to look to the future than to fixate on the past. But after a year when the Standard & Poor's 500-stock index suffered its worst calendar loss since the Great Depression, it's understandable that investors want to know what went wrong with their portfolios."
January `09 ; 2 pp. (request PDF 335)

The Evolution of an Investor (Conde Nast) `07-12 #332
Profile of Blaine Lourd. "Blaine Lourd got rich picking stocks, but then he realized that everything he thought he knew about the markets was wrong. And he's not alone."
December`07; 11 pp. (request PDF 332)

Taxes - Other Jurisdictions           Return to Topics list

When Converting a Roth I.R.A. Back to a Traditional One Makes Sense (NY Times) `13-10 #459
gWhen it comes to making financial decisions to save on taxes, you don't usually get a do-over. Just ask all those people who rushed to make large tax-free gifts to family members at the end of last year before a historically high exemption was set to expire. Not only did the exemption not end, but it was
increased for 2013. And there was no way to get those tax-driven gifts back. One exception to the no-do-over rule involves the Roth I.R.A."
October `13 (request PDF 459)

Giving Your Grandkids a Head Start (Fidelity) `13-06 #493
The principles in this article discuss the possibilities for Americans to shelter gifts and growth for children and grandchildren from US taxes, and foreign taxes depending on tax treaty provisions, which
are usually favourable.
June `13 (request PDF 493)

Canadian Immigration (STEP) `13-04 #482
This article provides a brief guide to immigration to Canada and how to become a non-tax-resident of Canada.
April `13 (request PDF 482)

Eight Countries in Which Untraceable Shell Companies are Hardest to Set Up: Report (Int'l Advisor) `12-12 #436
gThis report, entitled Global Shell Games: Test Money Launderers' and Terrorist Financiers' Access to Shell Companies, is said by its authors to have been "the most robust test" ever conceived to measure just how well various jurisdictions enforce international rules that ban the use of untraceable, anonymous shell companies."
December `12 (request PDF 436)

Israeli Banks Demanding to See U.S. Citizens' Tax Returns (Ha'aretz) `12-11 #427
gIn a move that some tax lawyers are calling a blatant violation of customer privacy, two Israeli banks are requiring current and prospective account holders with American citizenship to furnish portions of their U.S. tax returns. Those who refuse to do so risk having their applications denied, or their existing bank accounts frozen."
November `12 (request PDF 427)

More Costly Than Higher Taxes: Rash Decisions (NY Times) `12-11 #430
Some investors may be tempted to act soon to take advantage of the current tax rates. Melissa Labant, an accountant and tax expert, warns against selling a home in fear of possible future tax changes. But financial advisers say that in their rush to do something this year, investors may end up with regrets."
November `12 (request PDF 430)

US [IRS] Interest in Israel is on the Rise (Wigoda) `12-07 #406
This article discusses reports in the news that indicate the beginning of a wider attempt to find non-complying US Persons that use Israeli banks to hide assets and income from the IRS.
July `12 (request PDF 406)

Taxes for New Residents (Olim) and Returning Residents (Telfed) `12-07 #413
A summary of the tax system (tax holiday) available to new Olim.
July `12 (request PDF 413)

Canadian and US Tax Systems: A Comparison (STEP Journal) `12-06 #349
"For two countries separated by the longest undefended border in the world, the US and Canada have surprisingly fundamental and widespread differences between their tax systems writes Michael Cadesky."
June `12 (request PDF 349)

European Charitable Foundations (STEP Journal) `12-06 #350
gRichard Frimstone explains the draft regulation for a European Foundation to be used by high-net-worth European taxpayers."
June `12 (request PDF 350)

Canadian and US Tax Systems : A Comparison (STEP Journal) `12-06 #449
gFor 2 countries separated by the longest undefended border in the world, the US and Canada have surprisingly fundamental differences between their tax systems."
June`12 (request PDF 449)

Canada Calling (STEP Journal) `12-01 #378
Planning opportunities for Asians (and others) immigrating to Canada.
January `12 (request PDF 378)

New Reporting Rules (STEP) `11-05 #498
This article reviews "Canada's new tax avoidance transaction reporting regime."
May `11 (request PDF 498)

UK Taxes, Investing, Retirement Planning:        Return to Topics list

Issues of UK Residency Status (Wigoda) `12-07 #405
This article discusses how becoming a non-resident of the UK will generally not affect your citizenship status, but what will change however is the manner in which you are taxed by HM Revenue and Customs (HMRC).
July `12 (request PDF 405)

UK Inheritance Tax and QNUPS (Wigoda) `12-07   #407
This article explains how IHT and the issues surrounding inheritance are handled by HMRC.
July `12 (request PDF 407)

UK Pensions - Yours is Likely Subject to a 55% Flat Tax (Wigoda) `12-07 #408
Virtually all UK residents will have a pension scheme of one sort or another. This is a summary of the rules governing pensions and their taxation.
July `12 (request PDF 408)

USA - Taxes, Social Security, etc.        Return to Topics list

The Payoff in Waiting to Collect Social Security (NY Times) `13-11 #504
The benefits of delaying collection of Social Security.
November`13 (request PDF 504)

When Converting a Roth I.R.A. Back to a Traditional One Makes Sense (NY Times) `13-10 #459
gWhen it comes to making financial decisions to save on taxes, you don't usually get a do-over. Just ask all those people who rushed to make large tax-free gifts to family members at the end of last year before a historically high exemption was set to expire. Not only did the exemption not end, but it was
increased for 2013. And there was no way to get those tax-driven gifts back. One exception to the no-do-over rule involves the Roth I.R.A."
October `13 (request PDF 459)

An Overlooked Social Security Benefit: FAASF (OurGeneration.org) `13-07 #468
gAs we have learned from the Miller's example, smart and careful planning of Social Security benefits can result in large differences in the amount of benefits collected. Because Social Security makes up an important component of the retirement security of most Americans, careful planning should be done to ensure you receive the maximum benefits possible."
July `13 (request PDF 468)

Giving Your Grandkids a Head Start (Fidelity) `13-06 #493
The principles in this article discuss the possibilities for Americans to shelter gifts and growth for children and grandchildren from US taxes, and foreign taxes depending on tax treaty provisions, which
are usually favourable.
June `13 (request PDF 493)

Lowering the FBAR (STEP) `13-03   #474
This article discusses the US government's clampdown on foreign bank accounts.
March `13 (request PDF 474)

Freedom From Stars and Stripes (STEP) `12-11 #522
A guide to US expatriation.
November `12 (request PDF 522)

More Costly Than Higher Taxes: Rash Decisions (NY Times) `12-11 #351
Melissa Labant, an accountant and tax expert, warns specifically against selling a home in fear of possible future tax changes. Financial advisers say that in their rush to do something this year, investors may end up with regrets.
November `12 (request PDF 351)

Expatriation (Galitzer) `12-11 #384
In light of all the recent and new US filing requirements....as implemented by Israeli and other non-US banks (under direction of the Israeli Tax Authorities)...many clients have started to think about giving up their US citizenship - Expatriation."
November `12 (request PDF 384)

Expatriation (Galitzer) `12-11 #431
gIt used to be that expatriation would require the person who gave up his American citizenship or Green Card would be subject to regular income tax requirements on his world-wide income for 10 years after expatriation." This has been replaced by new rules discussed in the article.
November `12 (request PDF 431)

This Social Security Trick Guarantees 7% Returns (Wealth Wire) `12-10 #366
"Since amendments passed in 1956 and 1961, retirees have been able to begin collecting Social Security benefits early―at 62 instead of 65. And now 62 is the most popular age for collecting benefits...But it might not be the most ideal."
October `12 (request PDF 366)

8 Social Security Myths Exposed (Yahoo) `12-10 #362
Will Social Security be around when I retire? That's a question lots of Americans are probably asking themselves, though it's certainly not the only thing one might be wondering about when it comes to Social Security. Given the retirement program's handbook of 2,728 rules and countless interpretations, few participants are likely to thoroughly understand it. To help shed light on Social Security this article separates fact from fiction. Included are some of the most common Social Security myths, along with explanations.
October `12 (request PDF 362)

Getting Your 40 Quarters - Social Security in Israel (Degani) `12-08 #403
This article discusses US social security for those resident in Israel.
August `12 (request PDF 403)

Taxes for New Residents (Olim) and Returning Residents (Telfed) `12-07 #413
A summary of the tax system (tax holiday) available to new Olim.
July `12 (request PDF 413)

Couples Can Boost Their Social Security Checks (Yahoo) `12-07 #415
This article discusses the strategies that can increase your retirement income from US Social Security.
July `12 (request PDF 415)

US [IRS] Interest in Israel is on the Rise (Chaim Wigoda) `12-07 #356
Reports in the news seem to indicate that this is the beginning of a wider attempt to find non-complying US Persons that use Israeli banks to hide assets and income from the IRS.
July `12 (request PDF 356)

US [IRS] Interest in Israel is on the Rise (Wigoda) `12-07 #406
This article discusses reports in the news that indicate the beginning of a wider attempt to find non-complying US Persons that use Israeli banks to hide assets and income from the IRS.
July `12 (request PDF 406)

Canadian and US Tax Systems : A Comparison (STEP Journal) `12-06 #449
gFor 2 countries separated by the longest undefended border in the world, the US and Canada have surprisingly fundamental differences between their tax systems."
June `12 (request PDF 449)

Americans on Paper Only, but Taking a Tax Hit (NY Times) `12-05 #358
"Accidental" Americans, born during their foreign parents' brief stay in the US, or born abroad to American parents who have settled elsewhere, are tripped up by requirements to declare their foreign bank and financial accounts, and pay taxes on world wide passive income.
May `12 (request PDF 358)

How to Pay No Taxes: 10 Strategies Used by the Rich (Business Week) `12-04 #359
"It's not just good luck. It's often the result of hard work, as suggested by some of the strategies...Much of the income among the top 400 derives from dividends and capital gains, generated by everything from appreciated real estate - yes, there is some left - to stocks and the sale of family businesses."
April `12 (request PDF 359)

IRS Ramps up Audits of Taxpayers in Israel (Ha'aretz) `12-04 #365
"Accountants warn financial reviews by U.S. authority here are at an all-time high . . . Americans filing their tax returns from Israel are being audited by the U.S. Internal Revenue Service with a
frequency that industry professionals have never seen before, according to several certified public
accountants."
April `12 (request PDF 365)

US Issues Final Reg. FACTA Compliance (UStax) `12-04 #387
"Consistent with its efforts under FATCA and as part of its efforts to combat tax evasion, the
Treasury Department issued regulations on April 17th (T.D. 9584) that require financial institutions
with offices in the United States to report to the IRS the payments of as little as $10 of interest to
non-resident aliens who reside in certain treaty countries; even though generally such interest is
not subject to US income tax!" Summary, and links to key documents and analysis.
April `12 (request PDF 387)

More Costly Than Higher Taxes: Rash Decisions (NY Times) `12-11 #430
Some investors may be tempted to act soon to take advantage of the current tax rates. Melissa Labant, an accountant and tax expert, warns against selling a home in fear of possible future tax changes. But financial advisers say that in their rush to do something this year, investors may end up with regrets."
November `12 (request PDF 430)

The Big Black Hole (Forbes) `1994 #421
gSocial Security is more than $6 trillion - trillion - in the hole. Its unfounded liabilities actually exceed the national debt." This is good background, but also reassurance that Social Security is not going to be allowed to disappear within the foreseeable future.
1994 (request PDF 421)

Looking for Tax Efficiency? Consider a Tax-deferred Variable Annuity (Fidelity) `11-07 #360
"Deferring taxes on investment earnings could make the difference between building more wealth and forfeiting more than necessary to Uncle Sam."
July `11 (request PDF 360)

Advising US Citizens and Long-Term Residents on Expatriating (STEP) `10-09 #448 (9 pages)
Giving up US citizenship: "what to ask and why it matters: critical questions to provide good advice."
September `10 (request PDF 448)

Wills - Trusts - Estate Planning   Return to Topics list

Things to Consider When Writing a Will (GIS) `13-10 #466 (HEBREW)
October `13 (request PDF 466)

The Legacy Conversion: Talking to Your Heirs About Their Inheritance (Janus) `13-10 #470
October `13 (request PDF 470)

Do You Need an Estate Plan? (Fidelity) `13-09 #457
This article addresses 8 key questions as to who needs an estate plan.
September `13 (request PDF 457)

Death Dinners at Baby Boomers' Tables Take on Dying Taboo (Bloomberg) `13-09 #455
This article discusses confronting real-life issues wrapped up in death and dying that few people like to acknowledge, let alone talk about at a dinner party.
September `13 (request PDF 455)

The Talk You Didn't Have With Your Parents Could Cost You (NY Times) `13-05 #496 (in the same pdf file as above)
The article talks about several major problems, including "putting important papers in a safe deposit box, which might be inaccessible to heirs without a court order."
May `13 (request PDF 496)

Family Ties (STEP) `13-04 #479
This article discusses the importance of a family constitution and if it should be legally binding.
April `13 (request PDF 479)

Five Top Asset Protection Tips (Companies Incorporated) `13-02 #513
Ways to protect assets from confiscation via court order or from tax authorities.
February `13 (request PDF 513)

The Succession Process (STEP) `12-12 #527
This article reviews wealth transition in the Middle East.
December `12 (request PDF 527)

It's Hard, But It's Harder to Ignore This (STEP) `12-10 #531
Parents teaching personal finance and preparing children for inheritance.
October `12 (request PDF 531)

9 Ways to Help Your Parents' Finances Without Going Broke Yourself (WealthWire) `12-10 #422
gOur parents have been hit by a decade-long debt and housing crisis that has wiped out savings and left them, well, broke. This isn't a topic you're likely to hear discussed around the water cooler. Heck, your parents probably don't even want to talk about it with you. It's embarrassing and their personal finances are their business, right? What you need to realize is that your parents' insolvency affects you in ways you never imagined. So here are nine moves you can make before you -- and your finances -- are slammed." Please note that Israeli law is much more severe on this issue than North American laws.
October `12 (request PDF 422)

Parental Guidance (STEP Journal) `12-02 #379
How businesses started by a brilliant hardworking entrepreneur can be turned over successfully to the next generation.
February `12 (request PDF 379)

Will Writer Jailed (STEP Journal) `11-10 #375
"A will writer who told clients their wills had been invalidated by changes in the law has been jailed." This article helps you understand if you are being sold a bill of goods with the preparation of a new will.
October `11 (request PDF 375)

The Charitable Giving Conversation (STEP Journal) `11-05 #380
How financial advisors can help implement their clients' charitable intentions.
May `11 (request PDF 380)

Strong Foundations (STEP Journal) `11-05 #383
This article discusses the differences between Trusts and Foundations.
May `11 (request PDF 383)

What to Do When Someone Dies (STEP Journal) `2011 #396
gThe death of a relative or close friend is a difficult time even before you start thinking of dealing with the deceased's financial affairs." For most people this is a brand new experience. It is easy to be "confused by a host of legal terms and procedural matters. It is hoped that this guide will give an idea of the steps that have to be taken and help ease the process whether you are an executor, administrator or beneficiary and whether or not professional advisors are involved. There is also a short explanation of some of the legal terms that may be encountered. No two estates are the same, so what is explained may not be applicable in every case and only applies to England and Wales."
2011 (request PDF 396)

Trusts Explained (STEP) `2011 #394
This leaflet gives a "quick overview of how trusts work, what they are most commonly used for and corrects some of the widespread misconceptions held about trusts. Trusts are found around the
world, but particularly in those countries where the legal system has its roots in the English system."
2011 (request PDF 394)

Will Writer Jailed (STEP) 2011 #481
This article discusses why you need to check whether a service provider has been proven competent.
2011 (request PDF 481)

Building Consumer Confidence in Will Writing (STEP) `2011 #395
The British will-writing industry is probably as well regulated and taught to practitioners as any place else in the world. Countries without such strong traditions probably have even worse will-writing problems. Some of the issues that need to be looked at in everyone's will are listed here.
2011 (request PDF 395)

Your Flexible Friends (STEP Journal) `11-01 #382
This article explains the many uses of Trusts.
January `11 (request PDF 382)

For Want of a Will (Fidelity) 1994 #440
gWhen your plans are in order, the u
For Europeans:

For Israelis: