1 11 MSU Extension Personal & Family Financial Management Publications

2 22 Main Author: Marsha A. Goetting Ph.D., CFP ®, CFCS  Professor & Extension Family Economics Specialist  Department of Agricultural Economics & Economics

3 Family Economics Web site  extensionecon/family economics.html

4 Web site  extensionecon/ financialpublications. html  Print out FREE

5 5 Order from:  store.msuextension. org… but there is a charge for postage

6 6 Available FREE:  From local county Extension offices

7 77 Credit Management

8 88 Credit Card Trackers EB-168  Small credit card tracker that fits around credit/debit cards  Includes a Record of Credit Card Debt

9 99 MSU Extension Estate Planning Publications

10 Main Author: Marsha A. Goetting Ph.D., CFP ®, CFCS  Professor & Extension Family Economics Specialist  Department of Agricultural Economics & Economics

11 Web site  estateplanning  Print out FREE

12 Available FREE:  From local county Extension offices

13 Accessing a Deceased Person’s Financial Accounts MT200301HR  Describes how heirs can access deceased person’s financial accounts

14 Annuities MT199213HR  Provides information about annuities  Outlines how to shop for an annuity

15 Beneficiary Deeds in Montana MT200707HR  Explains how Beneficiary Deeds allow owners of real property to: Transfer their Montana property to one or more beneficiaries without probate

16 Using a Bypass Trust to Provide for Children from Remarried, Step, and Blended Families MT201407HR  Explores: Important issues for Montana families (remarried, step, and blended) about the varying challenges to the estate planning process.

17 Montana Common Law Marriage & Estate Planning MT201408HR  Explores: Montana common law marriage from an estate planning perceptive

18 Cremation MT200201HR  Explores: Personal & family concerns State & Federal regulations Costs

19 Designating Beneficiaries Through Contractual Arrangements MT199901HR  Learn about transferring your assets through contractual arrangements: Insurance policies IRAs Employee benefit plans Payable on death accounts (POD) Transfer on death accounts (TOD)

20 Dying Without a Will in Montana: Who Receives Your Property MT198908HR  Provides legal terms & detailed examples of possible scenarios for distribution of property if a person dies without writing a will

21 Dying Without a Will in Montana: Interactive Web site  Web site illustrates how your property will be distributed under Montana law if you are a Montana resident and if you pass away without a written will (as do 7 out of 10 Americans)

22 Estate Planning for Families with Minor &/or Special Needs Children MT199117HR  Explains how to provide for children's physical & financial care in case of parents' death

23 Estate Planning: Getting Started MT199508HR  Explains how & why to arrange for the future use & distribution of your property

24 Estate Planning Tools for Owners of Pets & Companion Animals or Service Animals MT201405HR  Outlines legal options for owners who plan to name a caregiver for their pets.

25 Federal Estate Tax MT199104HR  Analyzes how federal tax laws affect individual estates

26 Gifting: A Property Transfer Tool Estate Planning MT199105HR  Explains how to use: Gifts of real & personal property to reduce income taxes & eventually estate taxes

27 Glossary of Estate Planning Terms MT200202HR  Provides definitions of some of the estate planning terms used in MSU Extension Estate Planning MontGuides

28 Letter of Last Instructions MT198904HR  Explains what should be included in a letter of last instructions to assist survivors after the death of the writer

29 Life Estate: A Useful Estate Planning Tool MT200510HR  Explains how to leave a life estate to someone for use during his/her lifetime with estate passing on to the remainderman after the death of the life tenant

30 Life Insurance: An Estate Planning Tool MT199211HR  Explains uses of life insurance as a part of a family's estate plan

31 Long-Term Care Partnership Insurance in Montana MT201202HR  Provides basic information about the Montana long-term care partnership insurance program, tax benefits, and shopping tips

32 Medicaid & Long-Term Care Costs MT199511HR  Outlines the legal & tax ramifications  Explores impacts on emotional & physical health of financing long-term care

33 Montana’s End-of-Life Registry MT200602HR  Answers commonly asked questions about the Montana End-of-Life Registry

34 Montana Rights of Terminally Ill Act MT199202HR  Describes how a person can choose to terminate his/her medical treatment, if they have an incurable or irreversible condition

35  Describes how a parent or other adults can make gifts of assets to children:  Bequests with a will  Distributions from a trust  Gifts while living Montana Uniform Transfers to Minors Act ( UTMA) Custodial Accounts for Children Under Age 21 MT199910HR

36 Nonprobate Transfers MT199509HR  Describes the various forms of ownership that allow the deceased's property to bypass probate & transfer directly to beneficiaries

37 Personal Representatives MT199008HR  Explains responsibilities of a personal representative when settling an estate

38 Power of Attorney MT199001HR  Explains how to give another person authority to make financial decisions for you

39 Probate in Montana MT199006HR  Provides guidelines & costs for the process of settling an estate in Montana

40 Property Ownership MT198907HR  Describes the three main forms of property ownership: Solely-owned Joint tenancy with right of survivorship Tenancy in common

41 Provider Orders for Life- Sustaining Treatment MT199008HR  Form that gives you control over your medical treatments near the end-of-life. Recognized as an actual medical order

42 Revocable Living Trusts MT199612HR  Explains: Benefits & shortfalls Costs & tax consequences of living trusts

43 Selecting an Organizational Structure for Your Business MT199708HR  Describes the various types of business structure: Sole proprietorship Partnership Corporation (S&C) Limited liability company (LLC)

44 Settling an Estate: What Do I Need to Know MT201004HR  Assists survivors start the process of settling an estate & ease the burden following the death of a loved one

45 Transferring Your Farm or Ranch to Next Generation EB 149  Provides ideas about starting a conversation with family members who are reluctant to discuss estate planning

46 What Are Your Rights Over Your Remains? MT200918HR  Describes the Montana Right of Disposition Act that allows a person to provide instructions for disposing of his or her remains

47 Who Gets Grandma’s Yellow Pie Plate? MT199701HR  Explains how to deal with some of the issues that may arise with the transfer of non-titled property

48 Wills MT198906HR  Outlines why & how to construct a will including: Costs Restrictions Changes after its completion

49 Estate Planning: The Basics Packets EB 144 COST $10.00  19 Estate Planning guides  Free Additional guides can be ordered  Name will be added to a mailing list to receive update when there are state & federal law changes

50 Financial Management

51 Check Register EB 50 COST $1.00  Detailed instructions explain how to transform an own ordinary checkbook into a handy budgeting tool

52 Using a Check Register to Track Your Expenses MT198903HR  Accompanies Check Register Tracking System (EB 50) Explains how to utilize the Check Register

53 Developing a Spending Plan MT199703HR  Contains worksheets for balancing income & expenses so that money is available for the things families need most

54 Helping with Friends Cope with Financial Crisis MT200206HR  Explains the resources that are available to help friends that may be in financial crisis

55 Schedule of Non-monthly Living Expenses MT198910HR  Includes instructions & a worksheet for determining a set-aside amount for a family's non-monthly living expenses

56 Using a Homestead Declaration to Protect Your Home from Creditors MT199815HR  Explains how to file a homestead declaration to protect equity in home against most creditor’s claims

57 Household Record-Keeping

58 Record of Important Papers  Interactive Form provided by eXtension

59 Your Important Papers— What to Keep & Where MT199611HR  Offers personalized & efficient system for preserving & safeguarding important family papers  Provides a handy reference for deciding what items to keep

60 Marriage & Families

61 Lending Money to Family Members MT199323HR  Analyzes potential hazards of loaning money to relatives  Reviews the tax implications & other legal aspects of the various options

62 Talking With Aging Parents About Finances MT199324HR  Provides strategies for dealing diplomatically with family finance issues with aging parents

63 Remarried Families: Making Financial Decisions MT201211HR  Tips for developing successful communication about financial goals within a remarried family

64 Premarital Agreement Contracts in Montana: Financial & Legal Aspects MT201212HR  Helps couples resolve concerns over: Money Work Children Home Inheritance and mutual issues

65 Saving & Investing

66 First-Time Homebuyer Savings Accounts MT199918HR  Explains how Montana residents can save money in a special savings account for the purchase of a first home & save on Montana income taxes

67 Health Care Savings Accounts MT200704HR  Explains the Federal Health Savings Account (HSA) eligibility requirements

68 Investing in Certificates MT199801HR  Provides information on comparing a range of savings certificates that are available from a variety of financial institutions

69 Montana Medical Care Savings Account MT199817HR  Explains: Who is eligible What expenses are allowed How to set up an MSA How much can be saved on Montana Income Taxes

70 Track’n Your Savings Goals MT200303HR  Illustrates a technique to help track progress towards achieving family & personal savings goals

71 Track’n Your Savings Goals Register EB 164  A 36-page 3x6" savings register fits inside a checkbook cover to keep savings goals handy