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
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...

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? ...

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...

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...

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...

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. ...

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...

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 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...

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 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 ...

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 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...

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...

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...

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...

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...

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 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 ...

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...

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...

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...

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...

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...

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...

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...

How much money do you need to start a gold ira?

How much money do you need to start a gold ira?

A key selling point of gold IRAs is that you own the physical gold itself. If this doesn't matter to you, there are other ...

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...

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...

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...

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 ...

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...

Value Investing: A Comprehensive Overview

Value Investing: A Comprehensive Overview

Value investing is a popular investment strategy that involves buying stocks with a lower price relative to their...

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...

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...

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...

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 ...

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...

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 ...

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...

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,...

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...

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...

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...

Financial Calculators: An Overview

Financial Calculators: An Overview

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

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...

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 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 ...

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...

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 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...

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 ...

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...

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...

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...

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 ...

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...

Retirement Investment Advisors: An Overview of Their Role in Retirement Planning

Retirement Investment Advisors: An Overview of Their Role in Retirement Planning

Retirement is a momentous event in one's life, and it is important to plan carefully for it. Retirement investment...

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...

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...

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 ...

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 ...

Maximizing Social Security Benefits

Maximizing Social Security Benefits

Are you looking for ways to maximize your Social Security benefits? Social Security benefits can provide financial...

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 ...

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...

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...

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 ...

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 ...

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 ...

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....

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....

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...

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...

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 ...

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...

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!...

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...

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...

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...

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...

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...

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...

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....

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...

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...

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...

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...

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...

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 ...

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 ...

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,...

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...

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...

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...

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, ...

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...

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 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,...