Ernie Difonzo

Ernie Difonzo

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

107 Total Posts
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, ...

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...

Social Security Planning: An In-Depth Look

Social Security Planning: An In-Depth Look

Retirement planning is a complex and multi-faceted process. It requires careful thought and consideration of numerous...

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...

Debt Management Plans: An In-Depth Overview

Debt Management Plans: An In-Depth Overview

Are you struggling to manage your debt? Are you looking for a way to take control of your finances and get back on track? ...

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 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...

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 ...

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.

What are the three biggest pitfalls to retirement planning?

What are the three biggest pitfalls to retirement planning?

Overspending, investing too conservatively, and straying from your plan: these are some of the most common pitfalls you...

Comparing Fee Structures: A Financial Advisor's Guide

Comparing Fee Structures: A Financial Advisor's Guide

Are you a financial advisor looking for guidance on how to compare different fee structures? If so, you've come to the...

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 ...

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...

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...

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...

Checking Credentials When Choosing a Financial Advisor

Checking Credentials When Choosing a Financial Advisor

Making sure a financial advisor is trustworthy and reliable is essential when it comes to managing your finances....

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...

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...

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...

Understanding Tax Filing Deadlines

Understanding Tax Filing Deadlines

Filing taxes is an important responsibility for all citizens and understanding the various filing deadlines can be a...

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...

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...

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...

Debt Relief Services and Programs: An Overview

Debt Relief Services and Programs: An Overview

Are you struggling to pay off your debts? You're not alone. The average American household carries over $8,000 in credit...

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...

What are the benefits of a gold ira?

What are the benefits of a gold ira?

Benefits of a Gold IRA By investing in a gold IRA, you'll diversify your tax-deferred retirement portfolio and maintain...

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...

Asset Allocation Strategies: Exploring Risk Management and Investing

Asset Allocation Strategies: Exploring Risk Management and Investing

Asset allocation is a key strategy for successful investing and risk management. It involves allocating funds across...

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...

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...

How to Choose the Right Insurance Policy

How to Choose the Right Insurance Policy

When it comes to making sure you and your loved ones are protected, choosing the right insurance policy can be a daunting ...

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...

Tax Deductions and Credits: What You Need to Know

Tax Deductions and Credits: What You Need to Know

Tax deductions and credits are an important part of tax planning and filing, but many people don't understand how they...

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, ...

Reviewing Progress Against Goals

Reviewing Progress Against Goals

For many individuals, managing their financial advisor relationship is a critical step towards reaching their long-term...

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...

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...

Mortgage Refinancing Options Explained

Mortgage Refinancing Options Explained

Are you looking for ways to reduce your monthly mortgage payments? Mortgage refinancing can be a great option for you!...

Cash-only Budgeting - A Comprehensive Overview

Cash-only Budgeting - A Comprehensive Overview

Are you looking for a new way to budget your money? Cash-only budgeting may be the perfect solution for you! Cash-only...

Gifting and Inheritance Planning: A Comprehensive Overview

Gifting and Inheritance Planning: A Comprehensive Overview

When it comes to estate planning, gifts and inheritances can play a vital role in securing the future of your loved ones. ...

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 ...

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...

What is a reasonable amount of money to retire with?

What is a reasonable amount of money to retire with?

When it comes to retirement savings, many Americans don't hit the mark. Because saving for retirement is so important,...

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 ...

Exploring Financial Advisor Software and Tools

Exploring Financial Advisor Software and Tools

Financial advisors play an important role in helping individuals and businesses make sound financial decisions. As such,...

An Overview of Wealth Management

An Overview of Wealth Management

For individuals looking to make the most of their wealth, the help of a financial advisor can be invaluable. Wealth...

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...

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...

Understanding Investment Software: What It Is and How to Use It

Understanding Investment Software: What It Is and How to Use It

Investment software has become increasingly popular among investors, as it provides an easy and efficient way to manage...

Understanding Mutual Funds and ETFs

Understanding Mutual Funds and ETFs

Do you want to invest and grow your money, but don't know where to start? Mutual funds and ETFs are two of the most...

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...

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...

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...

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...

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 ...

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 ...

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...

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...

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...

What is the best approach for planning for retirement?

What is the best approach for planning for retirement?

Retirement planning should include determining time horizons, estimating expenses, calculating required after-tax...

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...

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...

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...

Getting Out of Debt Quickly

Getting Out of Debt Quickly

Getting out of debt quickly is something that many people strive for. It can be an intimidating and daunting task,...

Diversification Strategies: A Comprehensive Overview

Diversification Strategies: A Comprehensive Overview

Investing in multiple assets and diversifying your portfolio is a key component of any successful financial strategy....

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...

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 ...

Understanding Trusts and Powers of Attorney in Estate Planning

Understanding Trusts and Powers of Attorney in Estate Planning

The concept of trusts and powers of attorney are integral to estate planning, yet many people remain uncertain about what ...

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...

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...

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...

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...

Saving Money with Savings Accounts

Saving Money with Savings Accounts

Are you looking for ways to save money and build your financial security? Investing in a savings account may be the...

Estate Planning: Books and Guides

Estate Planning: Books and Guides

When it comes to estate planning, there are a lot of questions and decisions to make. That's why having the right books...

Tax Planning: Understanding Charitable Deductions

Tax Planning: Understanding Charitable Deductions

Tax season can be a stressful time for many individuals. With the right tax planning, however, it doesn't have to be.

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 ...

The Basics of Living Will and Healthcare Power of Attorney

The Basics of Living Will and Healthcare Power of Attorney

Having a Living Will and Healthcare Power of Attorney is an important part of estate planning. It is essential for anyone ...

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....

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...

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...

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...

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 ...

How to Stick to a Budget

How to Stick to a Budget

No matter your income level, sticking to a budget is essential for financial success. It can help you save money, pay...

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...

Estate Planning Attorneys: An Overview

Estate Planning Attorneys: An Overview

Estate planning is a critical process that requires the expertise of a qualified attorney. Estate planning attorneys help ...

Traditional IRAs: What You Need to Know

Traditional IRAs: What You Need to Know

Are you looking for a reliable and secure way to save for retirement? Traditional IRAs may be the perfect option for you. ...

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 ...

Creating a Budget Plan: An Easy-to-Understand Guide

Creating a Budget Plan: An Easy-to-Understand Guide

Managing your finances can be a daunting task. Without a proper budget plan in place, it's hard to know where your money...

Insurance Brokers and Advisors: A Comprehensive Overview

Insurance Brokers and Advisors: A Comprehensive Overview

When it comes to making decisions about insurance, it can be difficult to know who to turn to for reliable advice and...

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 ...

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...

Financial Advisor Ratings and Reviews: Uncovering the Truth

Financial Advisor Ratings and Reviews: Uncovering the Truth

Finding a reliable and trustworthy financial advisor can be a daunting task. With so many different ratings and reviews...

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 ...

Comparing Benefits and Coverage Limits: What You Need to Know

Comparing Benefits and Coverage Limits: What You Need to Know

Are you considering getting insurance but don't know the difference between benefits and coverage limits? Or maybe you're ...

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 ...

Tax-Loss Harvesting: A Comprehensive Overview

Tax-Loss Harvesting: A Comprehensive Overview

Tax-loss harvesting is a powerful investment strategy that can help you maximize your retirement savings. While it is not ...

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...

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 ...

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...