1 11

MSU Extension Personal & Family Financial Management Publications

2 22

Main Author:Marsha A. Goetting Ph.D., CFP®, CFCS

Professor & Extension Family Economics SpecialistDepartment of Agricultural Economics & Economics

3

Family Economics Web site

www.montana.edu/extensionecon/familyeconomics.html

4

Web site

www.montana.edu/extensionecon/financialpublications.html

Print out FREE

55

Order from:

store.msuextension.org…but there is a charge for postage

66

Available FREE:

From local county Extension offices

7 77

Credit Management

888

Credit Card TrackersEB-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 1010

Main Author:Marsha A. Goetting Ph.D., CFP®, CFCS

Professor & Extension Family Economics SpecialistDepartment of Agricultural Economics & Economics

11

Web site

www.montana.edu/estateplanning

Print out FREE

1212

Available FREE:

From local county Extension offices

13

Accessing a Deceased Person’s Financial AccountsMT200301HR Describes how heirs can access deceased person’s financial accounts

141414

AnnuitiesMT199213HR

Provides information about annuities

Outlines how to shop for an annuity

151515

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

161616

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.

171717

Montana Common Law Marriage & Estate PlanningMT201408HR Explores:•Montana common law marriage from an estate planning perceptive

181818

CremationMT200201HR

Explores:•Personal & family concerns•State & Federal regulations•Costs

191919

Designating Beneficiaries Through Contractual ArrangementsMT199901HR

Learn about transferring your assets through contractual arrangements: • Insurance policies• IRAs• Employee benefit plans • Payable on death accounts (POD)• Transfer on death accounts (TOD)

202020

Dying Without a Will in Montana: Who Receives Your PropertyMT198908HR Provides legal terms &

detailed examples of possible scenarios for distribution of property if a person dies without writing a will

212121

Dying Without a Will in Montana: Interactive Web site

www.montana.edu/dyingwithoutawill

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)

222222

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

2323

Estate Planning: Getting Started MT199508HR

Explains how & why to arrange for the future use & distribution of your property

2424

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.

2525

Federal Estate Tax MT199104HR

Analyzes how federal tax laws affect individual estates

2626

Gifting: A Property Transfer Tool Estate Planning

MT199105HR

Explains how to use:•Gifts of real & personal property to reduce income taxes & eventually estate taxes

2727

Glossary of Estate Planning Terms

MT200202HR Provides definitions of some

of the estate planning terms used in MSU Extension Estate Planning MontGuides

2828

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

2929

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

3030

Life Insurance: An Estate Planning Tool MT199211HR

Explains uses of life insurance as a part of a family's estate plan

3131

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

3232

Medicaid & Long-Term Care Costs MT199511HR Outlines the legal & tax ramifications

Explores impacts on emotional & physical health of financing long-term care

3333

Montana’s End-of-Life Registry MT200602HR

Answers commonly asked questions about the Montana End-of-Life Registry

3434

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

353535

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 21MT199910HR

3636

Nonprobate Transfers MT199509HR

Describes the various forms of ownership that allow the deceased's property to bypass probate & transfer directly to beneficiaries

3737

Personal Representatives MT199008HR

Explains responsibilities of a personal representative when settling an estate

3838

Power of Attorney MT199001HR

Explains how to give another person authority to make financial decisions for you

3939

Probate in Montana

MT199006HRProvides guidelines & costs for the process of settling an estate in Montana

4040

Property Ownership MT198907HR Describes the three main forms of property ownership:• Solely-owned• Joint tenancy with right

of survivorship• Tenancy in common

4141

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

4242

Revocable Living Trusts MT199612HR

Explains:•Benefits & shortfalls•Costs & tax consequences of living trusts

4343

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)

4444

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

4545

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

4646

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

4747

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

4848

Wills MT198906HR

Outlines why & how to construct a will including: •Costs•Restrictions •Changes after its completion

4949

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 5050

Financial Management

5151

Check Register EB 50 COST $1.00 Detailed instructions explain

how to transform an own ordinary checkbook into a handy budgeting tool

5252

Using a Check Register to Track Your Expenses MT198903HR

Accompanies Check Register Tracking System (EB 50)• Explains how to utilize the Check Register

5353

Developing a Spending Plan MT199703HR

Contains worksheets for balancing income & expenses so that money is available for the things families need most

5454

Helping with Friends Cope with Financial Crisis MT200206HR

Explains the resources that are available to help friends that may be in financial crisis

5555

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

5656

Using a Homestead Declaration to Protect Your Home from Creditors MT199815HRExplains how to file a homestead declaration to protect equity in home against most creditor’s claims

57 5757

Household Record-Keeping

5858

Record of Important Papers Interactive Form provided by eXtension

5959

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 6060

Marriage & Families

6161

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

6262

Talking With Aging Parents About Finances MT199324HR

Provides strategies for dealing diplomatically with family finance issues with aging parents

6363

Remarried Families: Making Financial DecisionsMT201211HR

Tips for developing successful communication about financial goals within a remarried family

6464

Premarital Agreement Contracts in Montana: Financial & Legal AspectsMT201212HR

Helps couples resolve concerns over:• Money• Work• Children• Home• Inheritance and mutual issues

65 6565

Saving & Investing

6666

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

6767

Health Care Savings Accounts MT200704HR

Explains the Federal Health Savings Account (HSA) eligibility requirements

6868

Investing in Certificates MT199801HR

Provides information on comparing a range of savings certificates that are available from a variety of financial institutions

6969

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

7070

Track’n Your Savings Goals MT200303HR

Illustrates a technique to help track progress towards achieving family & personal savings goals

7171

Track’n Your Savings Goals Register EB 164

A 36-page 3x6" savings register fits inside a checkbook cover to keep savings goals handy