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Your Homeowners Insurance Limits What? | A Great Financial Adviser Starts With Finding Problems | Best Hotels for Your Buck

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How to Fix a Trust Dilemma to Prevent a Tax Bomb | A Great Financial Adviser Starts By Finding Probl

How to Fix a Trust Dilemma to Prevent a Tax Bomb | A Great Financial Adviser Starts By Finding Problems | Wait, My Homeowners Insurance Limits What? Created for {EMAIL} | [Web Version]( August 4, 2024 CONNECT WITH KIPLINGER  [LinkedIn]( [Facebook]( [X]( [Youtube]( [Instagram]( [SIGN UP]( ⋅ [WEBSITE]( [] Top Story [] [How to Fix a Trust Dilemma to Prevent a Tax Bomb]( [How to Fix a Trust Dilemma to Prevent a Tax Bomb]( (Getty Images) Many may not realize that an irrevocable bypass trust, also known as funded b trusts, can be adjusted to minimize higher ordinary income tax when just one spouse is still alive and reduce the risk of higher capital gains tax when the both spouses have passed away, writes estate attorney John Goralka. [Understanding this issue requires historical context and background information](. [] Personal Finance [] [A Great Financial Adviser Starts By Finding Problems]( [A Great Financial Adviser Starts By Finding Problems]( (Getty Images) Financial expert Richard Himmer explains that problem-finding and problem-solving are distinct yet complementary skills that [are critical in the financial planning]( profession for both advisers and clients. [Financial experts + automated tech]( While you focus on what's important to you, Betterment is working behind the scenes to optimize your investments and make your money hustle. [Learn More]( ADVERTISEMENT [] Insurance [] [Wait, My Homeowners Insurance Limits What?]( [Wait, My Homeowners Insurance Limits What?]( (Getty Images) You might be surprised by the limits on what your homeowners policy covers, but there’s a reason for that, and there’s also something you can do about it. Insurance executive Karl Susman [breaks it all down here](. [] Investing [] [If You'd Put $1,000 Into Microsoft Stock 20 Years Ago, Here's What You'd Have Today]( [If You'd Put $1,000 Into Microsoft Stock 20 Years Ago, Here's What You'd Have Today]( (Getty Images) The dot-com days of the 90s minted many a "Microsoft millionaire," but the aftermath of the tech bust led Microsoft stock to trade mostly sideways for over a decade. However, the past 10 years have been nothing short of a renaissance for the software giant. With Microsoft trading at fresh all-time highs in early November, it’s a good time to see [what $1,000 invested in Microsoft stock 20 years ago would be worth today](. [Banks Are Offering Fixed Annuities At Over 6%]( Start reaping the benefits of Fixed Annuities. Lock in your rate now: Open an account online here. [Learn More >]( ADVERTISEMENT: Featured Content Sponsored Content from Kiplinger Personal Finance Magazine [Build wealth. Cut taxes. Retire rich.]( Get a [FREE ISSUE]( of Kiplinger Personal Finance magazine, and save up to 74% to subscribe. Includes special issues such as Investing Outlook, Retirement Planning, Mutual Fund Roundup, and Guide to ETFs. Count on Kiplinger for trustworthy help to make more money, keep more of the money you make, and live a financially secure life. [CLICK HERE]( [] Charity [] [The Secret to Supercharging Your Charitable Giving: Low Fees]( What are you paying in investment and administrative fees? The less you pay, the more your money grows, and so does the impact your giving makes, says financial executive Mark Froehlich. [Read More]( [] Smart Travel [] [Hotels That Give the Best Value for Your Money, as Rated by Guests]( New research reveals the best hotels in the U.S. for value for money according to hotel guests — and why they’re demanding more from their stay. [Read More]( [7 Secrets About Hiring a Financial Advisor]( Working with a financial advisor can be a crucial part of any healthy retirement plan. But choosing the wrong one could wreak havoc. Check out these 7 secrets comfortable retirees know about hiring an advisor, so you can work to potentially save years of stress. [See the list]( ADVERTISEMENT ABOUT KIPLINGER When we write about money, we get it right. So the decisions you make with your dollars are also right. Kiplinger is a trusted provider of unbiased financial advice, objective business and economic forecasts, and practical help to millions of business professionals, investors, and individuals seeking to make more profitable decisions with their money. Our [flagship publications]( include [Kiplinger Personal Finance]( magazine, [The Kiplinger Letter]( [The Kiplinger Tax Letter]( [Kiplinger Retirement Report]( and [Kiplinger Investing for Income.]( All are regarded as the leading publications in their respective fields. Every day, millions of readers rely on our [free e-newsletters]( for help on everything from getting the best rate on a mortgage or car loan, to managing their businesses in an uncertain world, avoiding an IRS audit, building wealth for a secure retirement, or investing wisely in any kind of market. Now it’s your turn to reap all the rewards Kiplinger has to offer. Visit [Kiplinger.com](, your gateway to all of the above and much more. Check in any time for our latest advice on how to make more money, and keep more of the money you make. Stay right on the money, with Kiplinger. [Sign Up]( | [Print Publications]( | [Unsubscribe]( [Privacy Policy]( | [Cookies Policy]( | [Terms and Conditions]( CONTACT US: [FEEDBACK](mailto:mailto:alerts@kiplinger.com) | [ADVERTISE]( [Future]( Future US LLC © Full 7th Floor, 130 West 42nd Street, New York, NY, 10036

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