Business Owner   Articles     Benefits and retirement plans       Benefit plans for small businesses       Group health insurance: a valued employee benefit       Health insurance for the self-employed       Retirement plans for small businesses       Understanding individual 401(k) plans     Starting a business       Advantages and disadvantages of self-employment       Choosing an entity for your business       Hiring your first employee       Qualifying for the home office deduction       Record keeping for your own business       Starting or buying a business   Decision Tools     Benefits and retirement plans       401(k) plans       Comparison of types of educational assistance   FAQs     Employee benefits and other issues       How can I find good employees for my business?       What benefits should I offer to my employees?     Home-based businesses       Can I deduct home office expenses?       If I work at home occasionally, am I entitled to a home office deduction?     Insurance coverage       Can I get disability insurance if I'm self-employed?       I drive my own car on company business. Whose insurance will pay for damages if I get into an accident?       I own a business. Are there any creative ways I can use life insurance in my business?       I'm an independent contractor. Where can I get health and disability insurance?       What is errors and omissions insurance?       What kind of insurance coverage do I need for my small business?     Partnerships       How does a limited partnership work?     Raising capital       Can I borrow money from my wholly owned business?       How can I raise capital for my business?     Starting a business       Don't most small businesses fail?       How do I find good advisors such as lawyers and accountants to help with my business?       Is buying a franchise a good way to get into business?       Should I buy an existing business or start from scratch?       Should I buy or lease assets for my business?       What are the stages of business development?       What should I look for in a business location?   Education Planning   Articles     529 plans       529 plans and financial aid eligibility       529 plans vs. other college savings options       529 plans: The ins and outs of contributions and withdrawals       Choosing a state savings plan       Estate planning and 529 plans       Income tax planning and 529 plans       Making changes to your 529 account       Opening a 529 account       The ABCs of 529 plans   FAQs     Education tax credits       Now that my child is in college, am I entitled to any education tax credits?   Estate Planning   Articles     Beneficiary designations       Choosing a beneficiary for your IRA or 401(k)       Designating a beneficiary for life insurance     Charitable giving       Life insurance and charitable giving     Estate planning basics       Estate planning--an introduction       Facing the possibility of incapacity       Gift and estate taxes       Trust basics       Wills--the cornerstone of your estate plan     Medicaid planning       Medicaid and nursing home care       Medicaid and the principal residence       Medicaid planning basics   FAQs     Estate and gift tax       How can I minimize taxes on my estate?       How will estate taxes be paid if I leave no provision in my will?       I intend to make tuition payments directly to my grandchild's college, and I know this will reduce my estate. But would it be better to contribute to a 529 plan instead?       I just made a gift. Do I have to file a gift tax return?       If I am the account owner when I die, will the value of my 529 account be included in my estate?       What is the applicable exclusion amount?     Life insurance and estate planning       Are life insurance proceeds income taxable?       What is a life insurance trust and why should I consider establishing one?       When I die, is my beneficiary required to take a lump-sum payment of my life insurance death benefit?       Will my beneficiaries have to pay taxes on the proceeds of my life insurance policy?   Government Benefits   Articles     Medicare and Medicaid       Coordinating long-term care insurance with government benefits       Health insurance in retirement       Medicaid and nursing home care       Medicaid and the principal residence       Medicaid planning basics       Medicare   Decision Tools     Social Security       Disability income needs worksheet       How earnings affect Social Security       Social Security disability insurance (SSDI): awards and applications illustrator       Social Security figures at-a-glance       Sources of retirement income: filling the Social Security gap   FAQs     Medicare and Medicaid       How do I enroll in Medicare?       I'm thinking about placing my mother in a nursing home. Will Medicaid pay for her care?       If I'm covered by Medicare, should I have additional health insurance?     Military benefits       Can I be buried in a national cemetery even though I got out of the Army years ago?     Social Security       Are my Social Security benefits subject to income tax?       How can I get an estimate of my Social Security benefits?       How do I get disability benefits from Social Security?       I'm getting remarried. How will this affect my Social Security benefits?       My husband and I are divorcing after 30 years of marriage. Will I still be able to receive Social Security retirement benefits based on his earnings record after our divorce?       Should I retire now at age 62 and collect Social Security benefits, or should I wait until age 65?       What happens if I start collecting Social Security after age 65?       When do I have to apply for a Social Security number for my newborn?       When I retire, how much will I receive from Social Security?   Tax Planning   FAQs     Tax deductions       Is student loan interest deductible?       My town has assessed against me a real estate betterment for new sewer lines installed in my street. May I deduct this amount on my tax return?       We just bought our first home. What can we deduct from the settlement statement?