Ernie Difonzo

Ernie Difonzo

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

103 Total Posts
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....

Tax Preparation Services - What You Need to Know

Tax Preparation Services - What You Need to Know

Tax preparation can be a daunting task for many individuals, especially when it comes to getting the best results....

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...

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...

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...

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,...

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? ...

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...

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...

Financial Calculators: An Overview

Financial Calculators: An Overview

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

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...

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 ...

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...

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...

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...

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 ...

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...

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...

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...

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 ...

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...

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...

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. ...

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...

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...

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 State Income Tax Filing Requirements

Understanding State Income Tax Filing Requirements

Filing taxes can be a complicated and stressful process. But understanding the requirements for filing state income taxes ...

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,...

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...

Maximizing Deductions: A Comprehensive Tax Planning and Preparation Strategy

Maximizing Deductions: A Comprehensive Tax Planning and Preparation Strategy

Tax season can be an overwhelming experience for many individuals, especially when considering the various deductions...

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...

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 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...

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, ...

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!...

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...

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 ...

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...

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 ...

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...

Insurance Terms: A Comprehensive Guide to Understanding Insurance

Insurance Terms: A Comprehensive Guide to Understanding Insurance

When it comes to insurance, understanding the terms and conditions can be a daunting task. Insurance policies are often...

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...

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...

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 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...

Investment Management Services: An Overview

Investment Management Services: An Overview

Are you looking for investment management services to help you make the most of your finances? Whether you're an...

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 ...

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 ...

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...

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...

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...

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...

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 ...

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...

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...

Understanding Robo-advisors for Investing

Understanding Robo-advisors for Investing

Investing can be an intimidating process, especially when it comes to finding the right tools to help you make sound...

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...

Professional Tax Preparers: Everything You Need to Know

Professional Tax Preparers: Everything You Need to Know

When it comes to filing taxes, having a professional tax preparer on your side can be invaluable. Professional tax...

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...

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...

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....

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...

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...

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...

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...

The Benefits of Charitable Giving for Tax Deductions

The Benefits of Charitable Giving for Tax Deductions

For many individuals, charitable giving can be an excellent way to save on taxes and maximize their estate planning. By...

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 ...

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...

What are the benefits of retirement planning?

What are the benefits of retirement planning?

Employee benefits Employee contributions can reduce current taxable income, contributions and investment gains are not...

Organizing Tax Documents: A Step-by-Step Guide

Organizing Tax Documents: A Step-by-Step Guide

When it comes to managing your finances, organizing your tax documents is an important part of the process. Keeping track ...

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...

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...

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...

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 ...

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...

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, ...

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...

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...

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...

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 ...

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 ...

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...

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...

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...

What are the advantages and disadvantages of investing in a self-directed gold ira account compared to other types of iras?

What are the advantages and disadvantages of investing in a self-directed gold ira account compared to other types of iras?

However, like any financial instrument, they also have their drawbacks, such as contribution limitations and relatively...

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...

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...

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...

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 ...

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...

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...

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...

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 ...

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 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...

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 ...

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,...

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 ...

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...

Improving Payment History: Strategies and Tips

Improving Payment History: Strategies and Tips

Having difficulty making timely payments on your bills? Struggling with your credit score? Improving your payment history ...