http://www.articlealley.com en-us editorial@articlealley.com Charitable remainder trusts can increase your income, avoid capital gains taxes, lower or eliminate estate taxes, serve as another type of retirement plan, serve humanity and put a warm feeling in your heart. Here is an example that applies to anyone cont... http://www.articlealley.com/article_173655_19.html 15th June 2007 Whole life insurance has been around for over 150 years. Universal life was introduced in the early 1980's. Universal Life offered the ability to increase or decrease the premium and death benefit and credited the cash values each year with a current inte... http://www.articlealley.com/article_170628_19.html 06th June 2007 Most people do not know they can sell an insurance policy. There are companies that will pay you more than the cash value. Even term insurance, which has no cash value, is a candidate for purchase. This transaction is called a life settlement. Life set... http://www.articlealley.com/article_166872_19.html 30th May 2007 In the next few minutes you will learn about a new insurance industry product that provides long term care insurance coverage if you ever need it, but requires no policy, premiums or health qualifications. Why Seniors Don't Buy Long Term Care 1. In ... http://www.articlealley.com/article_164191_19.html 24th May 2007 In the next few minutes, you are going to learn the steps to implement a fund raising idea that can raise significant cash within a very short time frame. As opposed to simply asking donors to dig deeper into their pockets, this fund raising idea provides... http://www.articlealley.com/article_160980_19.html 17th May 2007 Millions of people are insured by group long term disability plans. However, there are drawbacks to this coverage and situations where the policies will not pay. Unfortunately, many group plans do not pay for the type of disability that is most likely to ... http://www.articlealley.com/article_157197_19.html 09th May 2007 If you own a business, odds are the business represents a sizable portion of your estate. Therefore, planning for the orderly disposition of the business is an important planning consideration. The most basic element of the plan involves the use of a b... http://www.articlealley.com/article_154387_15.html 02nd May 2007 Deferred annuities possess characteristics found nowhere else. They play an important part in seniors' portfolios. Seniors hold billions of dollars in deferred annuities. However, my experience is that the average person knows little about the unique a... http://www.articlealley.com/article_151683_19.html 25th April 2007 In most cases, naming your spouse as the beneficiary of your IRA makes the most sense. However, depending on your wishes, other beneficiary arrangements may do a better job of accomplishing your goals. First, let's take a quick look at the requirements... http://www.articlealley.com/article_148969_19.html 18th April 2007 Irrevocable Life Insurance Trusts (ILITs) are planning tools used to keep life insurance proceeds outside of the taxable estate. For example, if a married couple has an estate of 6 million, they can pass 4 million to the next generation with no tax if ... http://www.articlealley.com/article_146811_19.html 12th April 2007 Survivorship life insurance is a life insurance policy that insures two people and pays at the second death. Also referred to as second-to-die life insurance, common abbreviations are SWL for survivor whole life and SUL for survivor universal life. Adv... http://www.articlealley.com/article_143993_19.html 04th April 2007 If you are over 70 1/2 years old, want to make a gift for a special charitable project, but your only liquid asset is your IRA, I have good news for you. On August 17, 2006, the Pension Protection Act of 2006 (PPA 2006) was signed into law. This nearly... http://www.articlealley.com/article_140120_19.html 27th March 2007 As Father Time marches on, the question of what to do with the home becomes a greater concern. In some cases, ruminating on the alternatives can dominate one's thinking. If a person is aware of the various options and chooses a path that makes the most se... http://www.articlealley.com/article_137807_19.html 13th March 2007 Dual income families and megabucks 401(k) plans are common socio-economic trends that get today's Boomers thinking about early retirement. If you elect to retire early and roll your 401(k) plan into an IRA, how can you best set up a withdrawal plan? Fi... http://www.articlealley.com/article_136935_19.html 12th March 2007 You have a number of choices when it comes to selecting a beneficiary (or beneficiaries) for your IRA. Some are appropriate. Some are mistakes and can lead to delays and expenses in getting the funds to your desired recipients. Some may even exclude some ... http://www.articlealley.com/article_135205_19.html 06th March 2007 The distribution rules required at the death of an IRA owner depend on several things: 1. Did the IRA owner die before or after the “required beginning date”? 2. Who is the beneficiary? In order to carry out the wishes of the IRA owner, evalu... http://www.articlealley.com/article_133312_19.html 01st March 2007 One of the most attractive features of a Roth IRA is the ability to control the timing of the eventual required distributions. However, this ability mandates the withdrawals to be made within a prescribed set of rules. The distribution advantages of a ... http://www.articlealley.com/article_132630_19.html 28th February 2007 How well do you know Roth IRAs? Here are five tough questions. Let's see how you do… 1. I am 72 years young and still working. Can I set up a Roth IRA? Yes. Unlike a traditional IRA, which does not allow contributions past age 70 1/2, Roth IRAs ha... http://www.articlealley.com/article_131027_19.html 20th February 2007 Here’s how to make sure your long term care is taken care of for the rest of your life, guarantee that you will never run out of money and not disinherit your kids. A tall order, you say. Yes, but in certain situations all three of these can have a h... http://www.articlealley.com/article_129741_19.html 15th February 2007 An additional income tax deduction may be available by contributing to an IRA. However, many people may not realize they qualify to have an IRA. So let’s take a look at the contribution rules. One of the things that makes IRAs so complicated is try... http://www.articlealley.com/article_129072_19.html 15th February 2007 Quite a few people may find themselves in this situation… They had the foresight to buy a long term care policy 5-10 years ago. My first comment is: good for them. When you sit down and take a look at the premium for long term care at various ages, y... http://www.articlealley.com/article_127474_19.html 08th February 2007 From my experience in working with seniors, here are the five most offered reasons why people have not purchased long term care. In most cases, the reasons are not valid. It’s not that they don’t make any sense; it is due to lack of information. So he... http://www.articlealley.com/article_125940_19.html 02nd February 2007 There are several ways to squeeze more income out of a given amount of capital invested in a CD. Let me share with you the split annuity concept. Here is an example typical of many people. Mary is 75. She is a conservative investor. She has to be becau... http://www.articlealley.com/article_124701_19.html 30th January 2007 Stop 100 people over 65 on the street and ask them if they will ever need to go to a nursing home and 99 will say, “No!” Folks tend to equate long term care insurance with nursing homes, but there are other aspects of long term care. Home care, assist... http://www.articlealley.com/article_123112_19.html 24th January 2007 Given the fact that most seniors are interested in a secure income, reducing risk and lowering taxes, here is a planning technique to consider if you are trying to increase your income. Maybe you have a CD that is coming up for renewal and you discov... http://www.articlealley.com/article_121736_19.html 20th January 2007