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FINANCIAL FOCUS: Passive investing in today's market
11/5/2009 7:35 AM By Robert L. Nistendirk
CHARLESTON - One day my friend Gary Swingle invited me to lunch. At lunch, Gary gave me the book "The Only Guide to a Winning Investment Strategy You'll Ever Need" by Larry E. Swedroe.

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FINANCIAL FOCUS: Internal controls for small business
10/21/2009 10:29 AM By Robert L. Nistendirk -Kanawha Bureau
CHARLESTON -- Internal controls are the methods and procedures designed by management to safeguard assets and to manage resources.

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FINANCIAL FOCUS: The role of advisors in the bankruptcy Chapter 11 process
10/7/2009 9:00 PM
CHARLESTON -- Recently, I provided an overview of Chapter 11 bankruptcy and various advantages and disadvantages of such. In this article, I want to present ideas that will help businesses emerge from bankruptcy. This article should naturally be of interest to debtors, but emerging from bankruptcy is also advantageous to investors and creditors.

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FINANCIAL FOCUS: Bankruptcy Chapter 11: Rising from the ashes
9/23/2009 4:25 PM By Robert L. Nistendirk
CHARLESTON -- Bankruptcy is a situation where an individual, business or other entity cannot meet all of its financial obligations. This may be the result of unusually high expenses, reduction of income, mismanagement, litigation or a combination of factors.

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FINANCIAL FOCUS: Measure your performance weekly
9/10/2009 10:57 AM By Robert L. Nistendirk
CHARLESTON - Today we are living in a new age defined by global competition and faster flow of information, which leads into increasing business complexity. Knowledge and continuous learning are critical elements of success.

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FINANCIAL FOCUS: Long-term care insurance helps you grow wiser today, older tomorrow
8/27/2009 8:17 AM By Robert L. Nistendirk
CHARLESTON - Americans recognize the need to save for retirement. But few are mindful of the need to protect themselves against the steadily growing costs of long-term care services. Long-term care insurance can cover the costs of long-term care services and protect lifetime savings.

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FINANCIAL FOCUS: Now is the time to consider a GRAT
8/12/2009 7:52 PM By Robert L. Nistendirk
CHARLESTON -- A Grantor Retained Annuity Trust (GRAT) is one of the most powerful and tax efficient wealth transfer tools available today.

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FINANCIAL FOCUS: Be prepared for rainy days with your umbrella
7/29/2009 9:23 PM By Robert L. Nistendirk
CHARLESTON -- What if you were sued for a mishap on your property that resulted in someone being severely injured or killed? What if you were found to be liable for a major traffic accident involving multiple injuries that clearly exceeded your car insurance limits?

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FINANCIAL FOCUS: The case for the Googol Dollar Bill
7/16/2009 10:29 AM By Robert L. Nistendirk
Recently, the word "trillion" marked a new significance in the American economy.

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FINANCIAL FOCUS: 2009 Stimulus Package: Planning one step ahead in tough times
6/18/2009 1:00 PM By Robert L. Nistendirk
CHARLESTON -- April 15 came and went. After fulfilling our mandatory civic duty of writing a check to the Internal Revenue Service, most of us do not want to think of April 15 until next year.

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