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Stick to a simple diversified portfolio, keep your costs down and rebalance periodically to keep your asset allocations in line with your long-term goals.
If you want to keep your asset allocation intact, you could trade the risky, longer-term debt for bond funds with shorter durations.
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If you expunge your debts and keep your assets, then, by definition, you are better off.
In theory you get to keep your assets in a Chapter 13.
Consider requiring your agent to sign a form agreeing to keep your assets separate from his and to keep a record of what he does on your behalf.
Moral: If you want to keep your assets outside the tax collector's grasp, think outside the separate boxes for retirement and nonretirement accounts and outside the separate boxes for long-term savings and short-term needs.
Keep your assets covered.
The Beam is a natural platform for a new universe of software apps and for global open markets and will help keep your electronic assets secure and private.
If you're thinking of jumping to new-school telephony, like Skype, but want to keep your hardware assets old-school, a USB phone might be for you, like this Firebox VoiP Cyberphone.
Always keep your goals and your asset allocation top of mind as you consider what and when to buy and sell.
Chapters 7 and 13 will have differing affects on your assets including whether you keep your home.
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com