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Financial Advice for Women

Meet Melissa Marvin
Our Expert Financial Adviser from Ciuni & Panichi



Mom's wise sayings about managing money
Mom was right with these basic concepts

How to keep bank fees low
Learn about ATM and Overdraft Fees

Make the most of education tax benefits
For yourself and/or for your children

Tax Effects of Foreclosure
More on the Mortgage Crisis

Itemizing tax deductions
Three facts you should know

Make Money, Not Excuses - Book Review
Financial advice for Women By Jean Chatzky

Tax rebate checks
Are coming this Spring

Love & Marriage in the Real World
Advice for couples re discussing finances

How to avoid impulse buying
Your spending habits can help you become financially secure

Financial New Year Resolutions
That you should break

Financial housekeeping for the New Year
Assess your finances and prepare for new opportunities

Zero Interest Credit Cards
Are they a good deal?

Year-end tax strategies for investors
Act now to achieve the best results

Zero capital gains rate coming in 2008
Plan now to make the most of this limited situation

Avoid these 401k Mistakes
4 Tips to save money

Year-end tax planning for business owners
What you can do before the end of the year

Zero Interest Credit Cards
Are they a good deal for you?

First Time Home Owner?
Learn these important tax benefits

Changes in the "Kiddie Tax"
Not just for Kids anymore

Employee or Independent Contractor?
How are your workers classified?

Stay out of Debt
Develop these Three Habits

Private Mortgage Insurance
Learn this before buying a home

New Small Business Tax Act signed
What does it mean for you?

Summer Job Tax Tips
What you need to know about your child's summer job

Mortgage Points
When buying a home

Tax to-do's for June
Three suggestions for the summer

Tax Records and Information
How long should you keep them?

Is it a Business or a Hobby?
It matters for Federal Tax Deductions

Tax tips for when you Change Jobs
Planning to change employers this year?

Own your own Home?
Don't make these Insurance Mistakes

Emergency Savings
How much is enough?

Mistake on Tax Return
File an amended return or correct next year?

Estimated taxes
Do you have to pay them?

Need more time to file your tax return?
Get an extension — no explanation is necessary

Deducting mortgage interest
What you should know

Is that business expense deductible?
Rules and Restrictions

Filing Taxes
What else do you have to file?

Tax Deductions
You can still take these three deductions

Consider bunching your itemized deductions
If you're on the borderline

The basics on "basis"
How do you establish it?

Phone Tax Refund
Don't forget to Claim it.

Are you covered for these situations?
Questions Asked by Homeowners about Insurance

File Your Taxes Early
Three Reasons why it's better

Tax Software vs Tax Professional
A tax professional gives more than a tax return

Retirement savings in 2007
Higher limits will help

How to maintain a high credit score
Know the 5 Factors of your Credit Score

Year-end tax information forms
Check them carefully and promptly

College savings plans are now permanent
Updates on the popular Section 529 plan

Credit Card for College Students?
Know the risks and rewards

2006 mutual fund distributions
Are you ready?

When disaster strikes
Know the special tax rules

Financial Gifts
Try a different gift idea this year




The new Pension Protection Act
Creates a charitable donation opportunity

FDIC Insurance
7 things you should know

Save on Taxes
While you save for Retirement

Not all Capital Gains
Are Created (and Treated) Equal

Save on energy and
Save on taxes

Top Ten Mortgage Mistakes
That Borrowers make

It's time for a fall tax tune-up
5 areas to check your tax situation.

Avoid these mistakes in your 401(k) plan
These 5 mistakes are common but avoidable

Should you Buy or Lease a Car?
Answer these questions and find out

Make a Mistake on your Taxes?
How and When to amend the return

Manage your AGI
to save on your Tax Breaks

Deduct business driving costs
2 choices: Standard Rate vs Actual Cost

Preserve your 401(k) savings
When you change jobs

New "kiddie tax" covers more kids
Income Shifting can be affected

Kids working a Summer Job?
Thye should start an IRA

Series I U.S. savings bonds
could fit your investment goals

How to develop the saving habit
Reasons and Tips to get started

Children's Summer Jobs
How they affect your (and their) taxes

Prepaid College Tuition plans
Just became a little more favorable

Getting Married?
Marriage calls for a Tax Review

Buying a House?
Don't overlook tax benefits

Build a cash reserve for financial security
Prepare for the worst

The Kiddie Tax Threshold
Goes up for 2006

Piggy Bank



Get the most out of your investment dollar
Do some work before a major purchase

Last Minute Tax Deductions
You may have overlooked

Double tax breaks for education expenses
Special situation this year

Alternative Minimum Tax
Will you have to pay?

Keep score of your finances
with a personal balance sheet

Energy Tax Breaks for Business
Several types of businesses can benefit, can yours?

Donate a Car to Charity?
What you need to know for taxes

Tax Reporting Simplification
for Small Business

New Year Tax Resolutions
to make for 2006

What’s new for 2006?
Learn about a number of tax changes

Diversify to reduce your investment risk
Guidelines to consider

The new Roth 401(k)
New investment options to consider

Real Estate in 2006
What's In, What's Out with Homebuyers

Business Gifts
Know the Tax Rules

Last Minute Ideas
To save on 2005 Taxes

Changing jobs?
Decide how to handle your 401(k) funds

Organize your 2005 tax records now
3 steps to make it easy next April

Starting your first job?
Tax tips and reminders for new grads

Kids working a summer job?
Start them on an IRA

Getting married?
Some important tax and financial advice

Living Wills and Power of Attorney
What Ohio residents need to know

Five Smart Ways to Spend Your Tax Refund
Advice to use this opportunity wisely

Check 21 - New Federal law about banking
What you need to know about this new law



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Melissa Marvin of Ciuni & Panichi
Melissa Marvin of Ciuni & Panichi





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