http://veterinarybusiness.dvm360.com/vetec/Personal+Finances/Article/list/8809 Financial strategies and advice for those in the veterinary profession 2009-11-21T13:42:14Z http://veterinarynews.dvm360.com/dvm/Veterinary+news+-+Flash/New-grads-make-more-study-longer/ArticleStandard/Article/detail/623739?contextCategoryId=8809&ref=25 Student debt and starting salaries are up, but new DVMs are still opting to stay in the classroom longer. 2009-09-02T04:00:00Z http://veterinarybusiness.dvm360.com/vetec/data/articlestandard/dvm/362009/623739/DVM_veterinarynews_graduation_salary_flash.s_flash.jpg HTML http://veterinarybusiness.dvm360.com/vetec/Managing+the+money/Recession-talk-Were-not-out-of-the-woods-yet/ArticleStandard/Article/detail/622436?contextCategoryId=8809&ref=25 The economy is starting to recover, but challenges linger. 2009-09-01T04:00:00Z http://veterinarybusiness.dvm360.com/vetec/data/articlestandard/vetec/362009/622436null XML http://veterinarybusiness.dvm360.com/vetec/Veterinary+business/Men-are-smarter-savers-survey-says/ArticleStandard/Article/detail/620390?contextCategoryId=8809&ref=25 Study shows women behind men when it comes to financial know-how. 2009-08-19T04:00:00Z http://veterinarybusiness.dvm360.com/vetec/data/articlestandard/vetec/342009/620390null HTML http://veterinarybusiness.dvm360.com/vetec/Veterinary+business/Veterinarians-and-veterinary-clients-are-hurting-i/ArticleStandard/Article/detail/615565?contextCategoryId=8809&ref=25 As we all wonder when the recession will end, you and your clients say you're feeling the hit. 2009-08-01T04:00:00Z http://veterinarybusiness.dvm360.com/vetec/data/articlestandard/vetec/312009/615565null XML http://veterinarybusiness.dvm360.com/vetec/Veterinary+business/Case-study-Im-drowning-in-debt/ArticleStandard/Article/detail/615549?contextCategoryId=8809&ref=25 Our expert shows a young veterinarian how to spend smarter and chip away at her debt. 2009-08-01T04:00:00Z http://veterinarybusiness.dvm360.com/vetec/data/articlestandard/vetec/312009/615549/veterinary_finance_809f_flash.jpg XML http://veterinarybusiness.dvm360.com/vetec/Veterinary+business/Video-How-to-invest-in-a-recession/ArticleStandard/Article/detail/606632?contextCategoryId=8809&ref=25 It's a scary time for veterinary practice owners, but that doesn't mean you should panic. Fritz Wood, CPA, CFP, offers advice for how to invest in a recession. 2009-06-26T04:00:00Z http://veterinarybusiness.dvm360.com/vetec/data/articlestandard/vetec/262009/606632null HTML http://veterinarybusiness.dvm360.com/vetec/Veterinary+business/Video-Economy-causes-buyers-and-sellers-to-struggl/ArticleStandard/Article/detail/599444?contextCategoryId=8809&ref=25 Tom McFerson, CPA, offers advice to veterinarians looking to buy or sell a practice during tough times. 2009-05-22T04:00:00Z http://veterinarybusiness.dvm360.com/vetec/data/articlestandard/vetec/212009/599444/veterinary_McFerson2_dvm360_flash.jpg HTML http://veterinarybusiness.dvm360.com/vetec/Veterinary+business/Analysis-Stimulus-plan-changes-the-2009-forecast-a/ArticleStandard/Article/detail/592188?contextCategoryId=8809&ref=25 The downturn is still with us, but a solid grasp of how recent changes affect you will help your practice persevere—along with a great reminder system. 2009-04-07T04:00:00Z http://veterinarybusiness.dvm360.com/vetec/data/articlestandard/vetec/152009/592188/veterinary_tax2_dvm360_flash.jpg HTML http://veterinarybusiness.dvm360.com/vetec/Veterinary+business/Five-last-minute-tax-tips/ArticleStandard/Article/detail/591905?contextCategoryId=8809&ref=25 Follow these suggestions to save time—and maybe even money. 2009-04-06T04:00:00Z http://veterinarybusiness.dvm360.com/vetec/data/articlestandard/vetec/152009/591905null HTML http://veterinaryteam.dvm360.com/firstline/Veterinary+technicians/Past-NAVTA-president-speaks-up/ArticleStandard/Article/detail/590864?contextCategoryId=8809&ref=25 Julie Legred, CVT, talks about the overwhelming need for veterinary technicians. 2009-04-01T04:00:00Z http://veterinarybusiness.dvm360.com/vetec/data/articlestandard/firstline/142009/590864null HTML http://veterinarycalendar.dvm360.com/avhc/Veterinary+business/Todays-tenets-of-personal-financial-success-Procee/ArticleStandard/Article/detail/610973?contextCategoryId=8809&ref=25 Personal financial planning is the process of organizing your financial goals into a workable plan so that you can live with financial security in the style you desire. 2009-04-01T04:00:00Z http://veterinarybusiness.dvm360.com/vetec/data/articlestandard/avhc/292009/610973null XML http://veterinarybusiness.dvm360.com/vetec/Veterinary+business/Stimulus-plan-brings-COBRA-changes/ArticleStandard/Article/detail/590123?contextCategoryId=8809&ref=25 Government is subsidizing premiums, but employers pay up front 2009-03-30T04:00:00Z http://veterinarybusiness.dvm360.com/vetec/data/articlestandard/vetec/142009/590123null HTML http://veterinarybusiness.dvm360.com/vetec/Veterinary+business/Physicians-are-putting-off-retirement/ArticleStandard/Article/detail/586752?contextCategoryId=8809&ref=25 The sluggish economy and increasing work flexibility are keeping more physicians in practice. 2009-03-12T04:00:00Z http://veterinarybusiness.dvm360.com/vetec/data/articlestandard/vetec/112009/586752null HTML http://veterinarybusiness.dvm360.com/vetec/Veterinary+business/Get-your-2008-stimulus-check-in-2009/ArticleStandard/Article/detail/585157?contextCategoryId=8809&ref=25 Does Uncle Sam owe you a rebate? Read this to find out. 2009-03-05T05:00:00Z http://veterinarybusiness.dvm360.com/vetec/data/articlestandard/vetec/102009/585157null HTML http://veterinarybusiness.dvm360.com/vetec/Veterinary+business/A-heaping-dose-of-optimism/ArticleStandard/Article/detail/584361?contextCategoryId=8809&ref=25 Most news about the economy is negative, but gloomy skies aren't necessarily ahead. 2009-03-01T05:00:00Z http://veterinarybusiness.dvm360.com/vetec/data/articlestandard/vetec/102009/584361null XML http://veterinarybusiness.dvm360.com/vetec/Veterinary+business/Save-for-the-short-term/ArticleStandard/Article/detail/577885?contextCategoryId=8809&ref=25 You'll put more money in the bank by focusing on immediate goals than by saving for the future, according to a recent consumer study. 2009-02-01T05:00:00Z http://veterinarybusiness.dvm360.com/vetec/data/articlestandard/vetec/052009/577885null XML http://veterinarybusiness.dvm360.com/vetec/Veterinary+business/How-to-stay-optimistic-in-2009/ArticleStandard/Article/detail/578100?contextCategoryId=8809&ref=25 Here are seven strategies for staying positive in the gloomy economy. 2009-01-28T05:00:00Z http://veterinarybusiness.dvm360.com/vetec/data/articlestandard/vetec/052009/578100/veterinary_optimistic_bf_flash.jpg HTML http://veterinarynews.dvm360.com/dvm/Veterinary+news/AVMA-salary-survey-shows-DVMs-earning-more/ArticleStandard/Article/detail/574366?contextCategoryId=8809&ref=25 Schaumburg, Ill. — In most cases, veterinarian's incomes having been increasing by 6 percent a year since 1997. 2009-01-01T05:00:00Z http://veterinarybusiness.dvm360.com/vetec/data/articlestandard/dvm/022009/574366null XML http://veterinarynews.dvm360.com/dvm/Veterinary+business/DVMs-earn-more-AVMA-reports/ArticleStandard/Article/detail/573938?contextCategoryId=8809&ref=25 Schaumburg, Ill. -- In most cases, veterinary incomes have been increasing at an average annual rate of 6 percent since 1997, according to the AVMA's Report on Veterinary Compensation released in late November. 2009-01-01T05:00:00Z http://veterinarybusiness.dvm360.com/vetec/data/articlestandard/dvm/022009/573938null HTML http://veterinarybusiness.dvm360.com/vetec/Veterinary+business/Home-is-where-the-tax-relief-is/ArticleStandard/Article/detail/573845?contextCategoryId=8809&ref=25 Property owners and first-time homebuyers can take advantage of tax breaks. 2009-01-01T05:00:00Z http://veterinarybusiness.dvm360.com/vetec/data/articlestandard/vetec/022009/573845/veterinary_hometaxrelief_bf_flash.jpg XML http://veterinarybusiness.dvm360.com/vetec/Veterinary+business/Student-debt-Why-its-your-problem-too/ArticleStandard/Article/detail/573851?contextCategoryId=8809&ref=25 Face facts: Student debt affects nearly everyone in the veterinary industry. 2009-01-01T05:00:00Z XML http://veterinarybusiness.dvm360.com/vetec/Veterinary+business/Men-overspend-to-attract-sexual-partners/ArticleStandard/Article/detail/573503?contextCategoryId=8809&ref=25 Home foreclosures and rising credit card debt are symptoms of compulsive overspending. 2008-12-31T05:00:00Z http://veterinarybusiness.dvm360.com/vetec/data/articlestandard/vetec/012008/573503null HTML http://veterinarynews.dvm360.com/dvm/Veterinary+news/DVM-salaries-up-since-2005-but-trend-could-be-slow/ArticleStandard/Article/detail/567614?contextCategoryId=8809&ref=25 Veterinary salaries are growing at a higher rate than inflation, according to a new AVMA report. 2008-11-21T05:00:00Z http://veterinarybusiness.dvm360.com/vetec/data/articlestandard/dvm/472008/567614/DVM_veterinarynews_salary_survey_flash.s_flash.jpg HTML http://veterinarynews.dvm360.com/dvm/Veterinary+news/California-mulls-10-percent-tax-on-vet-bills/ArticleStandard/Article/detail/565223?contextCategoryId=8809&ref=25 California is looking for ways to make ends meet, including a proposed new veterinary service tax. 2008-11-11T05:00:00Z http://veterinarybusiness.dvm360.com/vetec/data/articlestandard/dvm/462008/565223/veterinary_tax_ca_dvm360_flash.jpg HTML http://veterinarynews.dvm360.com/dvm/Veterinary+business/Monitoring-your-practice-in-todays-economy/ArticleStandard/Article/detail/561159?contextCategoryId=8809&ref=25 Paying attention to demographics, finances, diagnostics yields benefits. 2008-11-01T04:00:00Z http://veterinarybusiness.dvm360.com/vetec/data/articlestandard/dvm/432008/561159/veterinary_monitor_wd_flash.jpg XML http://veterinarybusiness.dvm360.com/vetec/Veterinary+business/QampA-Rolling-over-a-401k/ArticleStandard/Article/detail/549416?contextCategoryId=8809&ref=25 Handling investments after a job switch. 2008-09-01T04:00:00Z http://veterinarybusiness.dvm360.com/vetec/data/articlestandard/vetec/372008/549416null XML http://veterinarybusiness.dvm360.com/vetec/Veterinary+business/Im-not-counting-on-selling-my-practice-for-retirem/ArticleStandard/Article/detail/534723?contextCategoryId=8809&ref=25 I invest, I earn a lot as an owner, and I plan to retire at a reasonable age. 2008-08-01T04:00:00Z http://veterinarybusiness.dvm360.com/vetec/data/articlestandard/vetec/322008/534723null XML http://veterinarybusiness.dvm360.com/vetec/Veterinary+business/Financial-planner-Its-never-too-late-to-prepare-fo/ArticleStandard/Article/detail/534724?contextCategoryId=8809&ref=25 Don't be afraid to start planning now. 2008-08-01T04:00:00Z http://veterinarybusiness.dvm360.com/vetec/data/articlestandard/vetec/322008/534724null XML http://veterinarybusiness.dvm360.com/vetec/Veterinary+business/How-veterinarians-are-saving-for-retirement/ArticleStandard/Article/detail/534722?contextCategoryId=8809&ref=25 Even if you haven't started yet, you can still set your eyes on the prize. 2008-08-01T04:00:00Z http://veterinarybusiness.dvm360.com/vetec/data/articlestandard/vetec/322008/534722/veterinary_retirement_own_flash.jpg XML http://veterinarybusiness.dvm360.com/vetec/Veterinary+Equine/How-to-lower-gas-consumption-when-gas-prices-are-r/ArticleStandard/Article/detail/518688?contextCategoryId=8809&ref=25 Here are ways to improve your gas mileage, whether you commute to work or drive all day as a mobile doctor. 2008-05-22T04:00:00Z http://veterinarybusiness.dvm360.com/vetec/data/articlestandard/vetec/212008/518688null HTML http://veterinarycalendar.dvm360.com/avhc/Veterinary+business/The-tenets-of-personal-financial-success-Proceedin/ArticleStandard/Article/detail/565745?contextCategoryId=8809&ref=25 Personal financial planning is the process of organizing your financial goals into a workable plan so that you can live with financial security in the style you desire. 2008-04-01T04:00:00Z http://veterinarybusiness.dvm360.com/vetec/data/articlestandard/avhc/462008/565745null XML http://veterinarynews.dvm360.com/dvm/Veterinary+news/Web-Exclusive-Debt-burden-skyrockets-for-generatio/ArticleStandard/Article/detail/494973?contextCategoryId=8809&ref=25 Veterinary medical students accustomed to living on borrowed money now will forfeit a large percentage of future earnings to pay down their educational loan obligations. Consultant James F. Wilson, DVM, JD explores the long-term implications. 2008-02-27T05:00:00Z http://veterinarybusiness.dvm360.com/vetec/data/articlestandard/dvm/092008/494973/March08web-wilson_flash2_flash.jpg HTML http://veterinarynews.dvm360.com/dvm/Your+DVM+Career/Debt-outpaces-salaries/ArticleStandard/Article/detail/500690?contextCategoryId=8809&ref=25 Schaumburg, Ill. — Educational indebtedness for 2007 veterinary medical graduates increased nearly 100 percent since 1997, while starting salaries rose 46.5 percent during the same 10-year period. 2008-02-01T05:00:00Z http://veterinarybusiness.dvm360.com/vetec/data/articlestandard/dvm/102008/500690null XML http://veterinarybusiness.dvm360.com/vetec/Personal+Finances/Slideshow-A-dogs-day-at-the-photo-studio/ArticleStandard/Article/detail/462235?contextCategoryId=8809&ref=25 View pictures of Dakota, a German shorthaired pointer who was our October cover dog, during her long-suffering modeling debut. 2007-10-03T04:00:00Z http://veterinarybusiness.dvm360.com/vetec/data/articlestandard/vetec/402007/462235null HTML http://veterinarynews.dvm360.com/dvm/Veterinary+business/Considering---or-coping-with---bankruptcy/ArticleStandard/Article/detail/437534?contextCategoryId=8809&ref=25 Veterinarians who learn that a client filed for bankruptcy often wrongly assume that the practice has no options. 2007-06-01T04:00:00Z http://veterinarybusiness.dvm360.com/vetec/data/articlestandard/dvm/262007/437534null XML http://veterinarybusiness.dvm360.com/vetec/Personal+Finances/Retire-right/ArticleStandard/Article/detail/424587?contextCategoryId=8809&ref=25 Q. How do I know whether I have the right retirement plan to meet my objectives? How do I evaluate my plan? 2007-05-01T04:00:00Z http://veterinarybusiness.dvm360.com/vetec/data/articlestandard/vetec/182007/424587null XML http://veterinarybusiness.dvm360.com/vetec/Veterinary+business/Battling-retirement-fees/ArticleStandard/Article/detail/419446?contextCategoryId=8809&ref=25 Q. How will inflation and taxes affect my cash needs during retirement? 2007-04-01T04:00:00Z http://veterinarybusiness.dvm360.com/vetec/data/articlestandard/vetec/152007/419446null XML http://veterinarybusiness.dvm360.com/vetec/Veterinary+business/Budgeting-for-retirement/ArticleStandard/Article/detail/411962?contextCategoryId=8809&ref=25 Q. I'm looking to retire in a couple of years. How long would $600,000 last me if I withdrew $31,000 annually? 2007-03-01T05:00:00Z http://veterinarybusiness.dvm360.com/vetec/data/articlestandard/vetec/112007/411962null XML http://veterinarybusiness.dvm360.com/vetec/Practice+Management/Wheres-my-vacation/ArticleStandard/Article/detail/411964?contextCategoryId=8809&ref=25 Q. I'm an associate who's paid on production only. Does this system discourage me from taking unpaid vacation days? Do I really even have any vacation time? 2007-03-01T05:00:00Z http://veterinarybusiness.dvm360.com/vetec/data/articlestandard/vetec/112007/411964null XML http://veterinarybusiness.dvm360.com/vetec/Practice+Tips/Job-search-deductions/ArticleStandard/Article/detail/402578?contextCategoryId=8809&ref=25 If you're on the hunt for a new job, don't forget about the tax deductions you may be eligible for. 2007-02-01T05:00:00Z http://veterinarybusiness.dvm360.com/vetec/data/articlestandard/vetec/062007/402578null XML http://veterinarynews.dvm360.com/dvm/Veterinary+news/Survey-Wage-disparity-unabated-educational-debt-co/ArticleStandard/Article/detail/392871?contextCategoryId=8809&ref=25 Las Vegas — Fresh out of college, Dr. Carlos Vareli earns $72,000 a year and pays on $75,000 in education loans. 2006-12-01T05:00:00Z http://veterinarybusiness.dvm360.com/vetec/data/articlestandard/dvm/502006/392871null XML http://veterinarybusiness.dvm360.com/vetec/Veterinary+business/Coping-with-credit-cards/ArticleStandard/Article/detail/386104?contextCategoryId=8809&ref=25 Yes, credit cards make it easier for clients to pay. But the costs add up. Use these tips to balance the fees and turn credit card use to your benefit. 2006-11-01T05:00:00Z http://veterinarybusiness.dvm360.com/vetec/data/articlestandard/vetec/462006/386104null XML http://veterinarynews.dvm360.com/dvm/Your+DVM+Career/Men-earn-more-as-salaries-debt-rise/ArticleStandard/Article/detail/501162?contextCategoryId=8809&ref=25 Fresh out of college, Dr. Carlos Vareli earns $72,000 a year and pays on $75,000 in education loans. 2006-11-01T05:00:00Z http://veterinarybusiness.dvm360.com/vetec/data/articlestandard/dvm/102008/501162null XML http://veterinarybusiness.dvm360.com/vetec/Personal+Finances/Dont-lay-a-rotten-nest-egg/ArticleStandard/Article/detail/381887?contextCategoryId=8809&ref=25 What are my options for saving for retirement? 2006-10-01T04:00:00Z http://veterinarybusiness.dvm360.com/vetec/data/articlestandard/vetec/432006/381887null XML http://veterinarybusiness.dvm360.com/vetec/Practice+Management+Q%26A/Sticky-salary-situation/ArticleStandard/Article/detail/370123?contextCategoryId=8809&ref=25 I've been with the same clinic for seven years. There's a lot of turnover, and my boss hires new graduates. Depending on my day, I'm stuck playing teacher with up to three new veterinarians. My boss isn't around much and says I'm not pulling my weight given what I'm being paid. How can I explain the situation to him? 2006-09-01T04:00:00Z http://veterinarybusiness.dvm360.com/vetec/data/articlestandard/vetec/362006/370123null XML http://veterinarybusiness.dvm360.com/vetec/Veterinary+business/The-sweet-taste-of-retirement/ArticleStandard/Article/detail/362339?contextCategoryId=8809&ref=25 Maintaining some semblance of your current lifestyle in retirement doesn't have to be a "pie in the sky" idea—if you plan ahead. (Hey, 30-somethings: We're talking to you!) 2006-08-01T04:00:00Z http://veterinarybusiness.dvm360.com/vetec/data/articlestandard/vetec/312006/362339null XML http://veterinarybusiness.dvm360.com/vetec/Personal+Finances/Ditch-school-debt/ArticleStandard/Article/detail/323673?contextCategoryId=8809&ref=25 Are there programs that offer recent grads loan forgiveness? 2006-05-01T04:00:00Z XML http://veterinarynews.dvm360.com/dvm/Veterinary+business/Road-to-retirement-Leveraging-investment-vehicles-/ArticleStandard/Article/detail/322340?contextCategoryId=8809&ref=25 A successful financial plan should offer you the choice of allocating profits back to the practice or into a more diversified portfolio. 2006-04-01T05:00:00Z XML http://veterinarybusiness.dvm360.com/vetec/Personal+Finances/The-devil-with-debt/ArticleStandard/Article/detail/319457?contextCategoryId=8809&ref=25 Does a moment with your credit card statement feel like a moment in hell? Quit cowering and put out the flames for good. 2006-04-01T05:00:00Z XML http://veterinarybusiness.dvm360.com/vetec/Personal+Finances/Home-sales-expected-to-drop/ArticleStandard/Article/detail/302616?contextCategoryId=8809&ref=25 Projected increases in mortgage rates will likely lead to a drop in home sales in 2006, the Mortgage Bankers Association predicts. 2006-02-01T05:00:00Z XML http://veterinarybusiness.dvm360.com/vetec/Practice+Tips/A-new-401k-option/ArticleStandard/Article/detail/279864?contextCategoryId=8809&ref=25 Starting this month, 401(k) plans can offer a Roth 401(k) provision?which could be a better option for your retirement savings. 2006-01-01T05:00:00Z XML http://veterinarybusiness.dvm360.com/vetec/Veterinary+business/Compare-your-expenses-to-these-benchmarks/ArticleStandard/Article/detail/267726?contextCategoryId=8809&ref=25 Use these benchmarks set by Well Managed Practices to see how your expenses measure up. 2005-12-01T05:00:00Z http://veterinarybusiness.dvm360.com/vetec/data/articlestandard/vetec/522005/267726/icon_pdf_thumbnail_thumbnail.gif PDF http://veterinarybusiness.dvm360.com/vetec/Personal+Finances/College-textbooks-breaking-the-bank/ArticleStandard/Article/detail/253688?contextCategoryId=8809&ref=25 The U.S. Government Accountability Office (GAO) says that enhanced offerings, such as CD-ROMs and other instructional supplements, are driving up college textbook prices. 2005-12-01T05:00:00Z XML http://veterinarynews.dvm360.com/dvm/Veterinary+students/Study-graduates-mired-in-debt/ArticleStandard/Article/detail/256142?contextCategoryId=8809&ref=25 More than 88 percent of this year's new veterinarians graduated with educational debt averaging $88,077. Now working, they're taking home less than $44,000 a year. 2005-11-01T05:00:00Z XML http://veterinarybusiness.dvm360.com/vetec/Veterinary+business/Cash-for-retirement/ArticleStandard/Article/detail/190141?contextCategoryId=8809&ref=25 How do I know how much I need to save for retirement? 2005-11-01T05:00:00Z XML http://veterinarynews.dvm360.com/dvm/Veterinary+business/Is-future-retirement-controlled-by-guilt-today/ArticleStandard/Article/detail/188203?contextCategoryId=8809&ref=25 Practitioners charge too little because they cannot keep up with the literature. 2005-10-01T04:00:00Z XML http://veterinarybusiness.dvm360.com/vetec/Personal+Finances/Shifting-money-between-benefits/ArticleStandard/Article/detail/178513?contextCategoryId=8809&ref=25 I'm a full-time veterinarian, and my employer pays for my health insurance, which costs about $4,000 a year. I recently got married, and my husband's insurance is better. If I join my husband's policy, should I get that $4,000 benefit somewhere else in my package? Is it fair to ask my boss to add it to my salary or to add more paid vacation days in equivalent to the benefit money? 2005-09-01T04:00:00Z XML http://veterinarybusiness.dvm360.com/vetec/Managing+Smart/Team-members-make-strong-recommendations/ArticleStandard/Article/detail/171854?contextCategoryId=8809&ref=25 Use these strategies to harness your team members' power to drive client compliance and revenue—and improve your patients' health. 2005-08-01T04:00:00Z XML http://veterinarybusiness.dvm360.com/vetec/Veterinary+Equine/Revenue-negotiations-Talking-smart/ArticleStandard/Article/detail/171849?contextCategoryId=8809&ref=25 A good negotiator earns up to $31,000 more a year. But pay heed; bad negotiations can cost you big. Are you letting too much money trot off? 2005-08-01T04:00:00Z XML http://veterinarybusiness.dvm360.com/vetec/Veterinary+business/Retirement-angst/ArticleStandard/Article/detail/168312?contextCategoryId=8809&ref=25 According to Gallup's annual Personal Finance poll, American's top financial worry is retirement. 2005-07-01T04:00:00Z XML http://veterinarybusiness.dvm360.com/vetec/Personal+Finances/Quietly-rolling-over-a-401k/ArticleStandard/Article/detail/164841?contextCategoryId=8809&ref=25 I will be receiving a retirement plan distribution when I change jobs. I intend to roll it over to my new employer's plan and have been told that such a rollover will avoid a 20 percent withholding tax. 2005-06-01T04:00:00Z XML http://veterinarybusiness.dvm360.com/vetec/Personal+Finances/Higher-interest-on-student-loans/ArticleStandard/Article/detail/153229?contextCategoryId=8809&ref=25 Student loan rates are at historic lows, says Veterinary Economics Personal Finance Editor Fritz Wood, CPA, CFP, but not for long. Wood says recent and soon-to-be graduates should act now to consolidate their student loans. 2005-04-01T05:00:00Z XML http://veterinarybusiness.dvm360.com/vetec/Personal+Finances/Sweating-under-the-load/ArticleStandard/Article/detail/153230?contextCategoryId=8809&ref=25 Three-quarters of people still paying off their student loans say the payments are large enough to keep them from buying a car or a house, says the Cambridge Consumer Credit Index. 2005-04-01T05:00:00Z XML http://veterinarybusiness.dvm360.com/vetec/Personal+Finances/The-perceived-monetary-gap-between-spouses/ArticleStandard/Article/detail/153226?contextCategoryId=8809&ref=25 Think you know where your personal finances stand? If you're married, your spouse likely sees family earnings and expenses differently. 2005-04-01T05:00:00Z XML http://veterinarybusiness.dvm360.com/vetec/Practice+Finances/Ensuring-that-youre-insured/ArticleStandard/Article/detail/135729?contextCategoryId=8809&ref=25 Small business owners are particularly vulnerable to the risks of a prolonged illness or disability, because they're often the business's main asset. In other words, the business's success often depends on the owner's ability to earn income. As a business owner, you need to protect both your personal and business income. And the right insurance provides that protection. 2004-12-01T05:00:00Z XML http://veterinarybusiness.dvm360.com/vetec/Practice+Finances/The-essential-components-of-a-financial-plan/ArticleStandard/Article/detail/135730?contextCategoryId=8809&ref=25 Financial planning early in your career is perhaps the most important thing you can do to make sure you accomplish your personal and professional goals. In fact, the day you leave school would be a great time to start planning. But regardless of your age or career stage, it's never too late to gain value from a hard look at your financial situation and advice from a financial advisor who can help you identify and implement your financial plan. Here are the essential components of a financial plan: 2004-12-01T05:00:00Z XML http://veterinarynews.dvm360.com/dvm/Your+DVM+Career/Credit-scores-trump-educational-debt-load/ArticleStandard/Article/detail/501154?contextCategoryId=8809&ref=25 Cleveland—Though many veterinarians fret about student loans prohibiting them from buying a practice, the real killer is revolving credit, such as credit cards and car loans. 2004-11-01T05:00:00Z http://veterinarybusiness.dvm360.com/vetec/data/articlestandard/dvm/102008/501154null XML http://veterinarybusiness.dvm360.com/vetec/Veterinary+business/Making-appropriate-retirement-contributions/ArticleStandard/Article/detail/130961?contextCategoryId=8809&ref=25 How much am I expected to contribute to my associates' retirement plans? Does this count as part of the compensation my associate earned based on production? 2004-11-01T05:00:00Z XML http://veterinarybusiness.dvm360.com/vetec/Personal+Finances/Securing-your-Social-Security/ArticleStandard/Article/detail/130810?contextCategoryId=8809&ref=25 My partner recently received information about her Social Security benefits. Should I have received a statement too? 2004-10-01T04:00:00Z XML http://veterinarynews.dvm360.com/dvm/Veterinary+students/Live-prudently-now-to-pay-down-debt-later/ArticleStandard/Article/detail/88528?contextCategoryId=8809&ref=25 If students begin curbing all unhealthy spending habits while in school,
 academic leaders say they can trim the size of their pending student loan
 repayment substantially upon graduation. 2004-02-04T05:00:00Z HTML http://veterinarynews.dvm360.com/dvm/Veterinary+news/Dreams-of-Retirement-Fleeting/ArticleStandard/Article/detail/5689?contextCategoryId=8809&ref=25 I left the exam room for just a few minutes to get a shot of penicillin for her dog. By the time I got back, Mrs. Quibble was hopping mad. 2001-12-01T05:00:00Z http://veterinarybusiness.dvm360.com/vetec/data/articlestandard/dvm/522001/5689/image_tn.jpg http://veterinarybusiness.dvm360.com/vetec/data/articlestandard/dvm/522001/5689/image.jpg XML