Ernie Difonzo

Ernie Difonzo

Friendly zombie specialist. Evil social media practitioner. Proud creator. Unapologetic internet geek. Certified web scholar. Subtly charming twitter expert.

101 Total Posts
Debt Management Calculators and Software

Debt Management Calculators and Software

Are you struggling to manage your debt? If so, you're not alone. Many people find themselves in a difficult financial...

Maximizing Estate Tax Deductions

Maximizing Estate Tax Deductions

Estate tax deductions can be a great way to reduce the amount of money owed in taxes when inheriting a large sum of...

The Basics of Registered Investment Advisors (RIAs)

The Basics of Registered Investment Advisors (RIAs)

If you're looking to invest your money, you may be wondering about the role of a Registered Investment Advisor (RIA)....

Portfolio Rebalancing: An In-Depth Look

Portfolio Rebalancing: An In-Depth Look

Making sure your investments are correctly balanced is essential to ensuring your financial stability and growth. This is ...

Is life insurance a good retirement plan?

Is life insurance a good retirement plan?

Life insurance can be a valuable tool for planning for retirement if your situation allows it. A life insurance...

Index Investing - Exploring Investment Strategies

Index Investing - Exploring Investment Strategies

In recent years, index investing has become an increasingly popular investment strategy for individuals looking to...

Setting Financial Goals: A Guide to Help You Achieve Your Dreams

Setting Financial Goals: A Guide to Help You Achieve Your Dreams

Are you looking to reach financial goals but don't know where to start? Setting financial goals can seem daunting, but...

Understanding Credit Report Analysis and Repair Services

Understanding Credit Report Analysis and Repair Services

Credit reports are an important part of managing your finances, but they can be confusing to interpret and difficult to...

Everything You Need to Know About Wills and Living Wills

Everything You Need to Know About Wills and Living Wills

When it comes to estate planning, it's important to understand the different types of documents that are involved. Wills...

Understanding Homeowners and Renters Insurance Coverage

Understanding Homeowners and Renters Insurance Coverage

When it comes to protecting your property and possessions, homeowners and renters insurance can be a lifesaver. Knowing...

Travel Insurance Coverage Explained

Travel Insurance Coverage Explained

Travel insurance coverage is an important component of any travel plan, whether you are going on a long-term trip or just ...

What is the downside of a roth ira?

What is the downside of a roth ira?

While Roth IRAs have advantages, they're not for everyone. You can't make tax-deductible contributions to a Roth IRA.

Understanding Last Will and Testament

Understanding Last Will and Testament

When it comes to estate planning, there is no document more important than the Last Will and Testament. It is an...

How do i compare different custodians offering gold iras?

How do i compare different custodians offering gold iras?

When you purchase precious metal IRAs, the responsibility for storing these valuable metals lies with you. However, the...

Online Tax Preparation Software: A Comprehensive Guide

Online Tax Preparation Software: A Comprehensive Guide

With tax season fast approaching, it is important for individuals and businesses to have the right tools and resources in ...

Planning for End-of-Life Care: Tips and Advice

Planning for End-of-Life Care: Tips and Advice

End-of-life care planning is an important part of estate planning that often gets overlooked. When you start to think...

Understanding Dividend Reinvestment Plans (DRIPs) for Retirement Planning

Understanding Dividend Reinvestment Plans (DRIPs) for Retirement Planning

Retirement planning is an important part of any financial strategy, and understanding the different investment options...

Understanding Loan Terms: A Comprehensive Overview

Understanding Loan Terms: A Comprehensive Overview

When it comes to borrowing money, understanding loan terms is essential to making a sound financial decision. Whether...

Portfolio Diversification: A Guide to Investment Strategies

Portfolio Diversification: A Guide to Investment Strategies

Investment strategies are key to achieving success in the stock market. One of the most important strategies is portfolio ...

Exploring Re-balancing Portfolios for Financial Advisors

Exploring Re-balancing Portfolios for Financial Advisors

Financial advisors play a vital role in helping individuals and businesses manage their money and investments. As the...

Are there any risks associated with investing in paper-based investments such as etfs or mutual funds for my ira account?

Are there any risks associated with investing in paper-based investments such as etfs or mutual funds for my ira account?

Bond funds invest primarily in bonds or other types of securities that represent debt. They generally take higher risks...

Understanding the Cost of Insurance Premiums

Understanding the Cost of Insurance Premiums

When it comes to planning for your financial future, understanding the cost of insurance premiums is an important part of ...

Debt Consolidation Loans and Credit Cards: All You Need to Know

Debt Consolidation Loans and Credit Cards: All You Need to Know

Are you struggling with debt? Are you looking for ways to consolidate your debt and simplify the repayment process? Debt...

Online Estate Planning Tools and Services

Online Estate Planning Tools and Services

Estate planning is an important process that can help you ensure the future of your loved ones and your estate. With the...

Debt Consolidation Loans: A Comprehensive Overview

Debt Consolidation Loans: A Comprehensive Overview

Debt consolidation loans are a great way to manage your debt and make managing your finances easier. Whether you are...

Understanding Exclusions and Restrictions in Policies

Understanding Exclusions and Restrictions in Policies

When it comes to insurance policies, understanding exclusions and restrictions is key in ensuring that you have adequate...

Real Estate Investing: Everything You Need to Know

Real Estate Investing: Everything You Need to Know

Real estate investing can be a great way to grow your wealth and achieve financial freedom. But it's not without its...

Understanding the 50/30/20 Budgeting Rule

Understanding the 50/30/20 Budgeting Rule

Are you looking for an easy and effective way to take control of your finances? The 50/30/20 budgeting rule may be the...

How to Build Credit After Debt Repayment

How to Build Credit After Debt Repayment

Having debt can often feel like an insurmountable obstacle. It can prevent you from getting the things you want and need, ...

Credit Counseling Services and Agencies

Credit Counseling Services and Agencies

Having trouble managing your debt? Credit counseling services and agencies can help you create a plan to pay off your...

Tax Filing Requirements: A Comprehensive Overview

Tax Filing Requirements: A Comprehensive Overview

Tax season can be a confusing and daunting experience, especially if you don't know what tax filing requirements apply to ...

What is the difference between a 401(k) and an ira?

What is the difference between a 401(k) and an ira?

On the other hand, IRAs are not employer-sponsored and have lower contribution limits than 401 (k) s, but they also offer ...

Saving Money on Insurance Premiums: Tips and Advice

Saving Money on Insurance Premiums: Tips and Advice

Insurance premiums can be expensive, but there are ways to save money. Whether you're looking for ways to reduce your car ...

Zero-Based Budgeting: An Essential Budgeting Strategy

Zero-Based Budgeting: An Essential Budgeting Strategy

Are you looking for an essential budgeting strategy to help you manage your finances? Zero-Based Budgeting (ZBB) is a...

Life Insurance Policies: An Overview

Life Insurance Policies: An Overview

Life insurance is an essential part of any financial plan, providing peace of mind and security for you and your loved...

Understanding the Debt Cycle

Understanding the Debt Cycle

Debt can be a daunting and overwhelming issue, with many people feeling like they are stuck in an endless cycle of debt....

Budgeting Tips and Tricks for Smart Money Management

Budgeting Tips and Tricks for Smart Money Management

Are you looking for budgeting tips and tricks to help you manage your money smarter? With today's uncertain economic...

What is the difference between a roth ira and a traditional ira?

What is the difference between a roth ira and a traditional ira?

With a Roth IRA, you contribute money after paying taxes, your money grows tax-free, and you can generally make tax-free...

Exploring Exchange-Traded Funds (ETFs)

Exploring Exchange-Traded Funds (ETFs)

Are you looking to diversify and expand your portfolio? Exchange-traded funds (ETFs) may be the perfect investment for...

Preparing for an Audit

Preparing for an Audit

Preparing for an audit can be an intimidating process, but with the right preparation and planning, it can be a smooth...

Developing a Withdrawal Strategy

Developing a Withdrawal Strategy

When it comes to retirement planning, developing a withdrawal strategy is essential for ensuring that you have enough...

Negotiating with Creditors: A How-To Guide

Negotiating with Creditors: A How-To Guide

Negotiating with creditors can be a difficult and overwhelming task. However, it is possible to reach a successful...

Comparing Standard vs Itemized Deductions

Comparing Standard vs Itemized Deductions

Are you trying to maximize your tax savings? Knowing the difference between Standard and Itemized Deductions is one of...

Budgeting Tools and Apps: A Comprehensive Overview

Budgeting Tools and Apps: A Comprehensive Overview

Are you looking for the best budgeting tools and apps to help you manage your finances? You're in the right place. In...

Interviewing Financial Advisors: What You Should Know

Interviewing Financial Advisors: What You Should Know

When it comes to navigating the world of finance, it can be difficult to know where to start. Finding a trusted financial ...

Are there any special rules or regulations for investing in a gold ira?

Are there any special rules or regulations for investing in a gold ira?

You should choose gold suitable for the IRA. Silver coins and ingots must be 99.9% pure; platinum and palladium coins and ...

A Comprehensive Overview of Tax Law Books and Guides

A Comprehensive Overview of Tax Law Books and Guides

Tax law is a complex and ever-changing field that can be difficult to navigate. With the right books and guides, however, ...

Student Loan Refinancing: Everything You Need to Know

Student Loan Refinancing: Everything You Need to Know

Are you considering refinancing your student loan? If so, you are not alone. Student loan refinancing is becoming...

Maximizing Tax Refunds: Tax Planning Tips and Advice

Maximizing Tax Refunds: Tax Planning Tips and Advice

Are you looking to maximize your tax refund? With careful planning and tax advice, you can find ways to maximize your...

Is a life insurance retirement plan a good idea?

Is a life insurance retirement plan a good idea?

Having a steady stream of tax-free income from your policy is a great way to supplement your retirement income. In the...

Asset Protection for Estates: Strategies for Financial Security

Asset Protection for Estates: Strategies for Financial Security

For many individuals, estate planning is an important part of their financial strategy. Asset protection for estates is a ...

Budgeting for Specific Goals: Achieving Financial Success

Budgeting for Specific Goals: Achieving Financial Success

Having financial success is something that everyone wants, but not everyone knows how to achieve it. It takes careful...

Everything You Need to Know About Certified Financial Planners (CFPs)

Everything You Need to Know About Certified Financial Planners (CFPs)

Are you considering using the services of a Certified Financial Planner (CFP) to help manage your finances? With the...

Tax Planning Timeline: Tips and Advice

Tax Planning Timeline: Tips and Advice

Tax planning is an important part of any financial strategy. It involves taking steps to reduce your tax burden and...

Understanding Roth IRAs for Retirement Planning

Understanding Roth IRAs for Retirement Planning

Are you looking for a way to save for your retirement? Roth IRAs are one of the best options for those looking to save...

Understanding Stocks and Shares: an overview

Understanding Stocks and Shares: an overview

Are you looking to get started in the world of investing? Stocks and shares are one of the most popular types of...

How to use life insurance in your retirement planning?

How to use life insurance in your retirement planning?

For almost everyone else, the best way to incorporate life insurance into retirement planning is to buy a simple term...

Debt Settlement Programs: Understanding Your Options

Debt Settlement Programs: Understanding Your Options

Are you struggling with debt and looking for a way out? Debt settlement programs may be an option to help you get out of...

Stocks and Bonds: An Overview of Types of Investments

Stocks and Bonds: An Overview of Types of Investments

Investing in stocks and bonds is a great way to build long-term financial security, but it can be a bit overwhelming for...

Incorporating Digital Assets Into Estate Plans

Incorporating Digital Assets Into Estate Plans

In the modern world, digital assets have become an increasingly important part of our lives. From social media accounts...

Retirement Planning Services: A Comprehensive Guide

Retirement Planning Services: A Comprehensive Guide

Retirement is a major life event that requires careful planning and preparation. As you approach the time when you will...

Retirement Savings Timeline: Planning Tips and Advice

Retirement Savings Timeline: Planning Tips and Advice

Retirement is a critical milestone in life, when you are no longer working and depending on your savings to support you....

What is the safest way to invest in gold?

What is the safest way to invest in gold?

Mutual funds and ETFs are often the easiest and safest ways to invest in gold. Each stock of these securities represents...

Charitable Giving Strategies: The Essential Guide

Charitable Giving Strategies: The Essential Guide

Making a charitable donation is a noble and selfless act. Whether you're looking to give back to your community or...

Understanding Disability Insurance Policies

Understanding Disability Insurance Policies

Having a disability can be a challenging and stressful experience. Not only do you have to cope with the physical and...

Are gold iras a good investment?

Are gold iras a good investment?

Gold has proven to be a steady and stable source of growth compared to the more volatile stock market, which is why a...

Cutting Expenses: A Comprehensive Look at Saving Money

Cutting Expenses: A Comprehensive Look at Saving Money

Are you looking to cut expenses and save money? It can be hard to know where to start when it comes to budgeting and...

Understanding Balance Transfer Credit Cards

Understanding Balance Transfer Credit Cards

If you're looking for a way to manage your debt, balance transfer credit cards can be an effective tool. By transferring...

Everything You Need to Know About 401(k) Plans

Everything You Need to Know About 401(k) Plans

Are you getting ready to start planning for your retirement? A 401(k) plan can be a great way to save and grow your money ...

Asset Allocation: Understanding Investment Strategies

Asset Allocation: Understanding Investment Strategies

Asset allocation is one of the most important aspects of investing - it is the process of dividing your investments into...

Saving Money on a Budget: A Comprehensive Look

Saving Money on a Budget: A Comprehensive Look

Are you looking for ways to save money on a budget? If so, you are not alone. Many people struggle to make ends meet and...

Online Insurance Comparison Tools: A Comprehensive Overview

Online Insurance Comparison Tools: A Comprehensive Overview

The world of insurance can be confusing and overwhelming. It's important to understand the different options available...

Creating an Estate Planning Checklist

Creating an Estate Planning Checklist

Making sure that your estate is properly planned for and that all of your assets are accounted for can be an overwhelming ...

Understanding Trusts: What You Need to Know

Understanding Trusts: What You Need to Know

Trusts are an essential part of estate planning that can help you protect your assets, preserve wealth, and provide for...

Debt Relief Programs and Services

Debt Relief Programs and Services

Are you feeling overwhelmed by your debt? You're not alone. Millions of people are currently struggling with debt and are ...

Understanding Self-Employment Tax Filing Requirements

Understanding Self-Employment Tax Filing Requirements

Starting a small business is one of the most exciting and rewarding experiences an individual can have. However, with all ...

Financial Calculators: An Overview

Financial Calculators: An Overview

Financial calculators are powerful tools that allow investors to make informed decisions and plan their future...

Insurance Legal Advice Services Explained

Insurance Legal Advice Services Explained

Are you looking for legal advice and support for your insurance policy? If so, you have come to the right place! In this...

Strategies for Estate Tax Planning

Strategies for Estate Tax Planning

When it comes to estate planning, tax planning is an important part of the process. Tax planning can help you maximize...

Dollar-Cost Averaging: The Basics

Dollar-Cost Averaging: The Basics

Dollar-Cost Averaging (DCA) is an investment strategy that involves dividing up the total amount to be invested into...

Tracking Expenses: A Comprehensive Overview

Tracking Expenses: A Comprehensive Overview

Do you want to take control of your finances and create a realistic budget for yourself? Tracking expenses is essential...

Calculating Your Retirement Needs: A Comprehensive Overview

Calculating Your Retirement Needs: A Comprehensive Overview

Retirement planning is an important yet often daunting task. With so many factors to consider, it can be difficult to...

Creating Extra Income: A Comprehensive Overview

Creating Extra Income: A Comprehensive Overview

Are you looking for ways to bring in extra money? In today's economy, it can be difficult to make ends meet, and having...

Can you physically hold gold in an ira?

Can you physically hold gold in an ira?

A gold IRA is a type of self-directed IRA that allows you to invest in gold bullion for retirement. You can't own...

Exploring Financial Advisor Directories

Exploring Financial Advisor Directories

Finding the right financial advisor can be a daunting task. With the number of financial advisors available, it can be...

Retirement Calculators: Everything You Need to Know

Retirement Calculators: Everything You Need to Know

Are you nearing retirement and feeling overwhelmed by all the decisions that need to be made? Retirement calculators can...

Creating a Budget: A Step-by-Step Guide

Creating a Budget: A Step-by-Step Guide

For many of us, budgeting can seem like a daunting task. But it doesn't have to be! With the right tools and a few simple ...

Are there any fees associated with buying and selling gold in an ira account?

Are there any fees associated with buying and selling gold in an ira account?

When using a self-directed IRA to buy precious metals, there are several fees to consider. Transaction fees will be...

Retirement Income Planning Software: What You Need to Know

Retirement Income Planning Software: What You Need to Know

Planning for retirement can be a daunting task, especially when it comes to managing your income. With so many different...

Auto Insurance Coverage: A Comprehensive Overview

Auto Insurance Coverage: A Comprehensive Overview

Auto insurance coverage is a critical component of financial planning and should not be overlooked. With the right...

Retirement Income Strategies: A Comprehensive Overview

Retirement Income Strategies: A Comprehensive Overview

The idea of retirement can be both exciting and intimidating. It's a time to enjoy the fruits of your labor and to plan...

Understanding Federal Income Tax Filing Requirements

Understanding Federal Income Tax Filing Requirements

Navigating the complex federal income tax filing requirements can be a daunting task. Whether you are filing your own...

A Comprehensive Overview of Mutual Funds

A Comprehensive Overview of Mutual Funds

Investing in mutual funds can be a great way to grow your wealth and diversify your portfolio. With so many different...

Paying Off Credit Cards: How to Manage Your Debt

Paying Off Credit Cards: How to Manage Your Debt

Paying off credit cards can be a daunting task, especially if you have multiple cards with high balances. With increasing ...

Creating an Investment Plan

Creating an Investment Plan

Creating an effective investment plan is an essential part of financial success. Whether you are a beginner or a seasoned ...

Common Tax Credits: A Comprehensive Overview

Common Tax Credits: A Comprehensive Overview

Tax season is an important time for many Americans, and understanding the available credits and deductions can help you...

Gifting to Reduce Taxes: A Comprehensive Overview

Gifting to Reduce Taxes: A Comprehensive Overview

Gifting is one of the most effective strategies to reduce taxes and secure your financial future. But it can be a complex ...

Tips for Avoiding IRS Audits

Tips for Avoiding IRS Audits

Are you looking for ways to avoid an IRS audit? No one wants to be audited, but unfortunately, the IRS can come knocking...

Correcting Credit Report Errors: A Simple Guide

Correcting Credit Report Errors: A Simple Guide

Credit reports are an important part of your financial life. They can determine your ability to secure loans, rent an...

Understanding Credit Utilization Ratios and How to Improve Them

Understanding Credit Utilization Ratios and How to Improve Them

Having a good credit score is essential for obtaining loans, credit cards, and other financial services. It's important...