We are dedicated to keeping clients abreast of the latest developments and tax-saving strategies. This section includes a library of hundreds of timely articles about business, taxes, finances, trends and the like. The articles are categorized by subject matter, which can be accessed from the links. Click on your topic of interest and find a wealth of information.

CREDIT & DEBT MANAGEMENT

Maintaining good credit allows individuals to take advantage of lower interest rates and rapid access to funds when an appropriate need arises. On the other hand, if you have a less than excellent credit rating, you will pay higher rates and have difficulty obtaining new credit. This can be especially harmful if you wish to buy a home or start a business. The information provided here is to assist in safeguarding and improving your credit.

Paying Off Debt the Smart Way: Being in debt isn't necessarily a terrible thing. Most people are, between mortgages and car loans and credit cards and student loans. Being debt-free should always be a goal, but you should focus on the management of it, not the presence of it. It'll...
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How to Improve Your Credit Score: There are myriad important numbers in your financial world, but few as critical as your credit score. This FICO number, ranging from 0-850, can affect your ability to buy a house or car, get a credit card or other loan, or even get a job sometimes.FICO...
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Solutions for a Personal Credit Crisis: It can happen any number of ways. You can lose your job. Have an expensive medical emergency. Find yourself with three children in college. Be an adult during the current financial crisis. Whatever causes it, you may find yourself in crisis mode money-wise,...
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Understanding Your Credit Rating: The FICO® score, developed by Fair, Isaac (the pioneer in credit scoring), is a number between 300 and 850 that lenders use to determine your credit rating. A FICO® score is a snapshot of your credit rating at a particular point in time. The higher...
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How Is Your Credit Rating Doing?: Whether you are certain that your credit rating is strong, or have had credit problems in the past and want to double check that your credit rating has improved, it's a good idea to review your credit report every few years and check it for accuracy....
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Avoid Becoming a Victim of Identity Theft: Minimize the INFORMATION a thief can steal - The following are some guidelines to help avoid becoming a victim of identity fraud. If you have already become a victim, see our Tips for Victims. • Beware of Fake IRS E-Mails, the IRS does not initiate...
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Tips for Victims of Identity Theft: The following are recommended actions for victims of identity theft: Contact the fraud departments of the three major credit bureaus. Ask to have your credit file flagged with a fraud alert that includes a statement asking creditors to call you before...
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Transform Nondeductible to Deductible Interest: The only interest that is still deductible as an itemized deduction is home mortgage interest and investment interest. If you are like so many others with large consumer debt such as credit cards, car payments etc. you are paying interest that is not...
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Tips On Reducing Your Debts: Generally, it is sound financial advice for you to get out of debt. But that may be easier said than done, especially if the debt is sizeable compared to your ability to repay. When locked into a long cycle of debt repayment, the drudgery can become a...
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Refinanced Mortgage Interest May Not All Be Deductible: Over the past few years, mortgage interest rates have dropped significantly and homeowners in increasing numbers are refinancing their home mortgages and in the process, have extended the term of the loan and are frequently taking additional cash out...
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Should You Refinance?: There are a number of reasons to consider refinancing: lower payments, lower interest rates, eliminating PMI payments, home improvements, college funds, consolidating debt, purchasing a second home, or even financing a business venture. When considering...
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Tax Advisory Group • 315 WEST MILL PLAIN BLVD, SUITE 200 • VANCOUVER, WA 98660
Phone: (360) 693-9253 • Fax: (360) 693-9260

SECURITIES AND INVESTMENT ADVISORY SERVICES OFFERED THROUGH KMS FINANCIAL SERVICES, INC. A REGISTERED BROKER/DEALER. MEMBER FINRA & SIPC.

RALPH DOGGETT, CFP®, EA IS A REGISTERED REPRESENTATIVE WITH KMS FINANCIAL SERVICES, INC. KMS FINANCIAL SERVICES, INC. IS A MEMBER OF THE FINANCIAL INDUSTRY REGULATORY AUTHORITY (FINRA) AND THE SECURITIES INVESTOR PROTECTION CORPORATION (SIPC). RALPH DOGGETT, CFP®, EA MAY PROVIDE INVESTMENT PRODUCTS AND SERVICES ONLY TO RESIDENTS OF : ALASKA (AK), ARIZONA (AZ), CALIFORNIA (CA), GEORGIA (GA), IDAHO (ID), NEW MEXICO (NM), OREGON (OR), PENNSYLVANIA (PA), AND WASHINGTON (WA). FEE-BASED ADVISORY SERVICES ARE AVAILABLE ONLY TO RESIDENTS OF: ARIZONA (AZ), CALIFORNIA (CA), COLORADO (CO), GEORGIA (GA), IDAHO (ID), KANSAS (KS), NEW MEXICO (NM), OREGON (OR), PENNSYLVANIA (PA), WASHINGTON (WA), AND WYOMING (WY). RALPH DOGGETT, CFP®, EA IS LICENSED TO SELL INSURANCE PRODUCTS IN THE FOLLOWING STATES OF: IDAHO (ID), OREGON (OR), AND WASHINGTON (WA).

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