Free Online Will & Trust Kit From Suze Orman

On a recent episode of the Suze Orman TV show, she announced that you can go to her website and get her Online Will & Trust kit for free for a limited time. Via Slickdeals. Here’s how to get it:

I signed up for the initial profile successfully, but haven’t finished the questionnaires. The software includes the ability to create a will, a revocable trust, Financial Power of Attorney, and an Advanced Directive / Durable Power of Attorney for Healthcare. One less reason for putting off doing one of these if it’s free! :)

I’m not sure how this compares to a more established legal service like LegalZoom which I had considered using up until now (I used them to incorporate my home business), but they charge about $100. I suppose I must add that if you have substantial assets an estate attorney might be worth the extra cost.

June 29, 2008 | Filed Under Uncategorized | Comments Off 

Help Me Out Again, Get $10

Do you have an ING Direct savings account with unused referrals? People want them! The first 25 people who comment below and leave a working contact e-mail (name not required, e-mail will not be shared) will get one filled by me for free, which is $10 for you. I’m all good for now. Just look for a message from me to your e-mail address with further instructions later this evening.

Due to comment moderation, your comment may not show up right away. One referral per person. Late night readers get lucky this time. :) Thanks!

June 29, 2008 | Filed Under Uncategorized | Comments Off 

Monthly Update - May 2008 ($885,297, +$12,932)

networthicon.jpgWhile our portfolio barely made an inch, we continued to save a substantial part of our take-home pay and this ultimately drove home a 1.5% net worth addition in May.

Should I feel good that Our net worth winning streak is finally extended to the third months?

For the four full years between 2004 and 2007, there were only three "down" months in between. Now with our net worth changes are mostly governed by the market turbulence, our monthly performance is close to a coin toss lately -- exactly three "down" months and three "up" months in the last six months.

And this means my annual financial goal of $225,000 net worth growth is probably out of reach now -- our net worth actually retreated about 10 grand so far this year compared to where we ended 2007.

Now I actually don't feel too bad. If anything, the market condition and ensuing sea change in our net worth growth trend is a good wake-up call on how important it will be to manage the financial risks after our peak earning years. We are still fortunate that we are able to save more than 50% of our pre-tax income month after month, so we can definitely ride through this hurricane and come out stronger (both financially and mentally).

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June 3, 2008 | Filed Under Uncategorized | Comments Off 

Portfolio Update - May 2008 (Up 0.12%)

portfolioicon.jpgSUMMARY

May is a pretty stable month for my portfolio in terms of absolute gains -- my stable of mutual funds, stocks and cash inched higher 0.12%. But on a relatively basis, my portfolio lagged the benchmark by 1.3% in this month. Certainly not a good month for relative performance!

TRANSACTIONS

I made a further $7,000 commitment to Dodge & Cox's domestic stock offering (DODGX). Also, I started a new (yet admittedly tiny $500) position at T. Rowe Price New Era (PRNEX), as an effort to beef up my energy exposure. I have enrolled in

NEXT STEPS

My individual stock positions have been lagged the market for a few months in a row now -- the huge concentration on financial stocks has been proven untimely, but at this price level, it can be argued that opportunities and risks are relatively balanced. Anyway, I'm intentionally controlling the relative share of my individual stock exposure now -- individual stock positions now represents only 28% of my portfolio, vs. 34% at the end of 2007.

With another series of reports on worsening housing market, it doesn't look like I need to eagerly commit more money to the market now. I do plan to sit in the side line of the equity market, and move more money to China for some currency bets.

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June 1, 2008 | Filed Under Uncategorized | Comments Off