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25th September 2009
I was going over our server logs and noticed that someone had come looking for the answer to, “What is the difference between FDIC and NCUA Insured?”
Wow, I felt really silly because I didn’t actually have the answer posted. After all, it is an ... Read >
Author: Chris Duncan24th September 2009
Today’s marketplace offers lots of choices in terms of retirement planning vehicles. The 401(k) (or 403(b) for the nonprofit sector) and Individual Retirement Account (IRA) are two of the most common. While they share some similarities, the differences ... Read >
Author: wbdoyle24th September 2009
The third biggest financial goal for a family is saving for a college education. Buying a house and retirement are the first two goals. With the cost of higher education on the rise, parents are beginning to try and set aside money for education as soon a... Read >
Author: wbdoyle17th September 2009
Fixed rate annuities offer many benefits to investors. For example, they can provide someone who is retired or close to retirement a guaranteed income. To understand the benefits of fixed annuities in more detail, it is important to first understand the d... Read >
Author: Steven Hart15th September 2009
To get the winning policy and not to overpay for it can turn to either simple or extremely difficult task.
Insuring own life is one of few businesses where the salary of its agents depends on their commission payments for up to 80 percent.
Insurance b... Read >
Author: Grace Oaks02nd September 2009
In response to my previous post, a few readers suggested that indexation available via gains in capital markets will boost the value of retirement assets over the long term, assuming the markets will recover. Others are seeking an answer as to what can be... Read >
Author: Outsourcing Insights from WNS23rd August 2009
Transfer Gold, 401K gold, IRA gold,
Gold
Gold IRA
As the ultimate long-term store of value, gold coins and bullion are the literal gold standard retirement asset. With the main asset classes most often employed in retirment plann... Read >
Author: andreamarie20th August 2009
Example Introduction
Individual retirement accounts, or IRAs, are a popular way for individuals to set aside money for their eventual retirement. These accounts offer investors the opportunity to defer or avoid taxation on income and capital gains, but ... Read >
Author: andreamarie10th August 2009
Certain ages are critical when managing our retirement plans. Failure to plan with those ages in mind can produce lost benefits. In this article I outline those dates and explain how they affect your retirement benefits.
You've saved for years to accum... Read >
Author: Shane Flait01st August 2009
A Individual Retirement Account better known as a IRA is a way for you to put money aside for when you eventually retire. It is important to understand how these types of accounts work and to know what amount you should invest every year. Basically if you... Read >
Author: bryan19th July 2009
Now his pension plans been cut in half and he cant afford to pass away, sings John Rich, of the country music duo Big - Rich, in his latest, controversial song, Shutting Detroit Down. Two things nobody is ever financially prepared for, especially if he or... Read >
Author: Robert Bell04th July 2009
Many people already own IRAs, but they don’t know that they don’t have to keep the plan where it is. Actually, they have total control over where their IRA funds are invested. IRA annuities offer a safe alternative and can guarantee the safety of the ... Read >
Author: Steven Hart30th June 2009
An annuity is both a contract with an insurance company and an investment. Your contributions (often called premium payments) to it are invested to produce earnings. This article explains when and what is taxed as income under annuitization, withdrawals, ... Read >
Author: Shane Flait28th June 2009
An IRA owner is the person who started and contributed to his IRA. As an owner, you must take a minimum required distribution (MRD) from your traditional IRA or non-deductible each year after reaching 70 1/2. This article explains the MRD rules for IRA o... Read >
Author: Shane Flait27th June 2009
In this time of complete insecurity caused by the global economic crisis we can’t help but worry about our future. The economy isn’t showing any signs of recovery, and many people have already filed for bankruptcy or are about to. That makes me wonder... Read >
Author: groshan fabiola11th June 2009
If you are starting out in real estate investment your initial challenge is gaining credibility with potential private lenders. The other challenge is how and where to find private lenders and how to get their undivided attention, especially if you are n... Read >
Author: Mike Lautensack10th June 2009
Permanent insurance such as Whole Life, Universal Life, Equity-Indexed Universal Life and Variable Universal Life is regularly promoted as the perfect retirement vehicle or the new way to build wealth. This week I will expose the fallacies of those argume... Read >
Author: Jia 06th June 2009
Because of the income tax rates imposed on withdrawals from government-regulated retirement savings plans - like IRAs - you may think that they're not all that much better than using regular taxable accounts. Below I'll show how your IRA-type account can ... Read >
Author: Shane Flait14th May 2009
Most people understand the importance of writing a will and buying enough life insurance to protect family from serious financial hardship upon their death. But one of the most overlooked aspects of financial planning is naming the beneficiaries for ones ... Read >
Author: Trusted Experts11th May 2009
By: Zeng Han Jun, CPCG, Singapore
Many consumers assume that “mortgage companies” are banks that lend their own money. In fact, a company that you deal with may be either a mortgage banker or a mortgage broker. So what is the difference between a m... Read >
Author: Zeng Han Jun08th May 2009
Protecting your assets from unfair or unjust complaints is an important part of financial and estate planning. But before constructing a comprehensive asset protection plan, you should know what protection the government offers for 4 investment categories... Read >
Author: Shane Flait08th May 2009
To answer this question, let's look at where people typically have money when they retire.
Briefly : Where Shouldn't I Put My Money
There are lots of bad ways to invest your money. We won't go into that in detail here, but I will provide you with a shor... Read >
Author: Biggs07th April 2009
It doesn’t matter what age you are, planning for retirement is always a good idea. Now is always a good time to think about the future. Whether you are in your early 20’s or late 50’s, retirement planning should be taken seriously. There are many te... Read >
Author: Bernz Jayma P.03rd April 2009
A lot of people look forward to retirement. Images of relaxing on the beach, taking a cruise, and enjoying the fruits of your labor come to mind. No nest egg is too big for retirement. However, with the economic downturn draining the value from IRAs, 401(... Read >
Author: Bernz Jayma P.02nd April 2009
It doesn’t matter what age you are, planning for retirement is always a good idea. Now is always a good time to think about the future. Whether you are in your early 20’s or late 50’s, retirement planning should be taken seriously. There are many te... Read >
Author: Bernz Jayma P.27th March 2009
Do-it-yourself divorce forms are widely available on the Internet and often overlooked as a viable alternative to hiring a divorce attorney. Many divorce cases can be settled between partners and do not involve the complications of investment money, IRAs... Read >
Author: Jeremy24th February 2009
Investing and teenagers sounds odd but where do children learn about money? From their parents, so the teen years are a great time to learn not only about money but investing that money. Investing for long term and short term goals. Most teens know they w... Read >
Author: Bernz Jayma P.18th February 2009
The IRS has announced a series changes to the 2008 Individual Tax Return Laws that will have mostly a positive impact on the tax returns of individual tax returns. Here are some of the most important highlights of individual tax law changes for the 2008 T... Read >
Author: Gen Wright13th February 2009
Copyright (c) 2009 Marc Hill
As they were ringing in the New Year on January 1, high school juniors and their parents were also ringing in their college financial aid "base year." Although the actions taken in the base year can mean the difference betw... Read >
Author: Marc R. Hill, CCPS, RFC23rd January 2009
It is a common misconception that debt collectors can “get away with anything” in their attempt to collect unpaid debts. This is incorrect. Consumers actually have a specific set of rights when it comes to collection activities.
Calling Hours
No m... Read >
Author: startovertoday17th January 2009
Foreclosure is always a race against time. Although a home loan modification can slow the process, you have fewer options the longer you wait. Not all lenders have the staff or experience to handle Loan Modification. Even with a capable attorney, the proc... Read >
Author: Home Loan Modification06th January 2009
The human resources department traditionally spends a great deal of time developing written benefit information within the corporate communications structure. Most companies spent a great deal of resources on of general benefit information as well as summ... Read >
Author: Louis Wright29th December 2008
Thirty Billion Dollars is a huge amount of money, but it translates into less than $100 per US person--- a small price that we should all be willing to pay to give the Automobile Industry time to restructure itself and to save a few million jobs.
Give ... Read >
Author: Steve Selengut13th December 2008
Money is one of the most widely thought about subjects today and has been for quite a long time. It is something that everyone is affected by and driven by. But too many people do not think far enough into their future when it comes to their finances. Fin... Read >
Author: Robert Palmer03rd December 2008
In today's business world, people should expect to change employers a few times before retiring. When you change employers, it is common to be asked if you will keep your 401(k) with your former employer or roll it into an IRA.
- Here Are 3 Tips to Ma... Read >
Author: Tom Wheelwright01st December 2008
Baby boomers, with every year that you get older, do you become more and more afraid of retiring?
I don't blame you at all.
The worldwide economic slowdown epidemic that is forcing homeowners into foreclosure, halting consumer spending, driving u... Read >
Author: David Morgan01st December 2008
Financial planning is an integral component needed to ensure the contentment of your future. There are keys to financial planning that you need to be aware of in order to create your success. Today more than ever, it is profoundly-important to develop you... Read >
Author: Market-For-Me27th November 2008
For those who can afford to put away money in their retirement and savings account, the biggest question is how much to put in. To do so, you need to understand your limits, like the Roth IRA contribution limits and other tax limitations. Unfortunately, m... Read >
Author: Trevor Price25th November 2008
Who's confiscating your 401(k) and IRA? Dateline Raleigh, NC, November 6, 2008: Democratic leaders in the U.S. House of Representatives discuss confiscating our 401(k)s and IRAs, by Carolina Journal Online reporter Karen McMahan.
This shocking pronoun... Read >
Author: Steve Selengut11th November 2008
Starting an entrepreneurial venture requires cash. Money you spend on things like equipment, supplies and the other stuff necessary to run a business.
You can find this money in all sorts of places, but one of the places you can sometimes look is insid... Read >
Author: Stephen L. Nelson04th November 2008
For more flexibility, control, and bigger, better returns on your investments, self managed IRAs are the way to go. Believe me; your bank will try to dissuade you from self-managing your IRA because they will lose a lot of money and only you, the account ... Read >
Author: Laurel Cohen04th November 2008
If you are like me, you are probably looking for a way to increase the returns on your retirement investments. Our options appear to be limited but the problem lies in the fact that there is lots of misinformation out there. Many people are discouraged by... Read >
Author: Laurel Cohen30th October 2008
In order to make self directed Roth IRA investments, you need a few things. First, you have to find a trustee that allows self investing. Most custodians that offer IRAs, 401Ks and Roth accounts focus on mutual funds and certificates of deposit or CDs. Bu... Read >
Author: Jim Riley15th September 2008
Recently I've been sharing tax strategies related to getting your children in the game and on your payroll. Now that you've put your children to work, the next step is to put their money to work!
There are many ways your children can put their money t... Read >
Author: Tom Wheelwright04th September 2008
A Individual Retirement Account better known as a IRA is a way for you to put money aside for when you eventually retire. It is important to understand how these types of accounts work and to know what amount you should invest every year. Basically if you... Read >
Author: bryan01st September 2008
A recent book titled: "Boomers-Bank Financial Intelligence for Real Estate Investing" explains clearly why you should invest in real estate using your retirement plan? In the book, the author discusses several concepts for buying real estate using IRAs a... Read >
Author: lookout13th August 2008
Permanent insurance such as Whole Life, Universal Life, Equity-Indexed Universal Life and Variable Universal Life is regularly promoted as the perfect retirement vehicle or the new way to build wealth. This week I will expose the fallacies of those argume... Read >
Author: Satwinder Singh24th July 2008
Social security for early retirement is a complicated issue that is not very easy to understand. People should save for their retirement because most countries are not able to give them much of an income after they leave the workforce.
Although most p... Read >
Author: Cindy23rd July 2008
The Individual Retirement Account (IRA) is no more than an plan to put money into retirement. It is very important to pay attention to and understand IRA's rules because they are different from other investment plans, in order to avoid confusion.
Ther... Read >
Author: Cindy23rd July 2008
An individual retirement account is a special account set up to specially plan for the golden years after retirement. The money in this account can be used to provide continual income to an individual after they have left the work force.
When workers ... Read >
Author: Cindy23rd July 2008
The only factor that people consider about their retirement plan is their retirement age, but they fail to consider other important factors, such as their present age, how long they will live, the investments already made, the benefits that the investment... Read >
Author: Cindy23rd July 2008
If you are planning to retire and want to make sure how much you income will exactly be when you do so, a retirement calculator can be a great help. If you want to use a retirement calculator, you have to provide relevant data such as your current savings... Read >
Author: Cindy20th June 2008
Lets face it... most people who own IRAs, 401Ks or other retirement investments, rely on the expertise of a broker or some kind of custodian to manage their funds. Most of these managers don't offer IRA investing in real estate as and investment vehicle. ... Read >
Author: Jim Riley29th May 2008
Retirement may or may not be in your near future, however it should be something you are preparing for today. Many experts believe that being able to save money for your retirement is even more important than paying off your credit cards and/or having an ... Read >
Author: Gina Clark02nd April 2008
Q: I own a small decorating business and I’ll be the first to admit that I don’t know anything about taxes or retirement plans. I’d like to set up a 401(k) or an IRA or some other kind of retirement plan for me and my three employees. What are the v... Read >
Author: Raj Kumar02nd April 2008
Q: I own a small decorating business and I’ll be the first to admit that I don’t know anything about taxes or retirement plans. I’d like to set up a 401(k) or an IRA or some other kind of retirement plan for me and my three employees. What are the v... Read >
Author: Raj Kumar27th March 2008
Q: I own a small decorating business and I’ll be the first to admit that I don’t know anything about taxes or retirement plans. I’d like to set up a 401(k) or an IRA or some other kind of retirement plan for me and my three employees. What are the v... Read >
Author: Vinu06th February 2008
You’ve probably heard a lot of people saying that the real estate market is a great way to make money and a great way to increase your returns. Well, they are right.
There are lots of opportunities in real estate for making profits, everything fro... Read >
Author: Judson Voss06th February 2008
You’ve probably heard a lot of people saying that the real estate market is a great way to make money and a great way to increase your returns. Well, they are right.
There are lots of opportunities in real estate for making profits, everything f... Read >
Author: Judson Voss24th January 2008
Private lenders are typically not loaning on real estate. You want to look at those people who are earning low interest rates. You can’t convince someone who is already earning 20% that they should do this with you because unless you want to pay more t... Read >
Author: louarticles08th October 2007
Senior citizen retirement could be an extended way off for you or it may represent something in the near future. Regardless of that amount of time, you without a doubt, need to begin saving up for it at once. Even so, preserving cash for senior citizen re... Read >
Author: Strato13th July 2007
When you're learning about something new, it's easy to feel overwhelmed by the sheer amount of relevant information available. This informative article should help you focus on the central points.
We all know that there is a growing need in this coun... Read >
Author: bbri3103rd July 2007
If you aren't content with just earning interest on your money with a savings account, you could make with several better investing options. The next pace up would be a money market account. These are somewhat like savings accounts, but they gross a highe... Read >
Author: Chris01st July 2007
If you aren't content with just earning interest on your money with a savings account, you could make with several better investing options. The next pace up would be a money market account. These are somewhat like savings accounts, but they gross a highe... Read >
Author: Chris16th May 2007
An IRA or Individual Retirement Account is an account regarding a plan to retire, which provides certain tax advantages. The Individual Retirement Account as most people call it is legally known as the Individual Retirement Arrangement.
The Individu... Read >
Author: Alan16th May 2007
For many reasons, more and more people are opting to retire at an early age. The growing trend for the retirement is based on the fact that people are enticed to retire early than continue working and wait until they reach their retirement age of 65.
... Read >
Author: Alan30th April 2007
While most people think of the Roth IRA as a retirement account, it is really a tax plan. This, of course, means there are regulations you must comply with.
The Internal Revenue Service establishes the regulations that govern individual retirement ac... Read >
Author: Barry Waxler30th April 2007
The popularity of the Roth IRA is undisputed. Unfortunately, certain people are precluded from using one.
A Roth IRA is a very good idea for the person who anticipates making a lot of income later in their life and wants to shelter as much of this inc... Read >
Author: Barry Waxler06th March 2007
If one of the primary reasons for a split emanated from excess debt and credit challenges then there may not be a lot of cash floating around to effect a quick settlement. Additional complications may flow from a foreclosure and/or bankruptcies where one ... Read >
Author: Dale Rogers19th February 2007
A joint tenancy with right of survivorship can be a useful probate avoidance tool. Under these arrangements, both tenants are entitled to full use of the jointly-titled assets during their lives (to the extent their use is not inconsistent with the other ... Read >
Author: Accendo Academy19th February 2007
Estate planners have a variety of probate-avoidance tools at their disposal. One of these is beneficiary or payable on death (POD) designations. Beneficiary and POD designations allow you to determine who will benefit from life insurance contracts, retire... Read >
Author: Accendo Academy15th 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... Read >
Author: Robert D. Cavanaugh, CLU10th February 2007
A CONTRACT is defined from the Latin word contractus. An agreement between two or more parties, especially one that is written and enforceable by “law.” To enter into by contract; establish or settle by formal agreement. An agreement between two or mo... Read >
Author: Rocco Beatrice10th February 2007
Did you know that IRAs can hold CDs (Certificates of Deposit)? If you are nearing retirement and are tired of fretting over your nest egg, your best and safest return may be with a federally insured bank (FDIC) or credit union (NCUA) CD.
Although many... Read >
Author: Chris Duncan07th February 2007
No doubt you are familiar with Aesop's fable The Tortoise and
the Hare. In case you aren't, let me sum it up for you: The Hare
challenges the Tortoise to a race, which the Tortoise accepts.
The race begins and the Hare lazes around (because he knows... Read >
Author: Chemain Evans24th January 2007
The general populations usually like to think that the stock market is generally a place for investment purposes and a place to put safe retirement money. However, even the larger more secure stocks and sectors are being infiltrated by the internet messa... Read >
Author: rob rens23rd November 2006
The question of IRA vs 401k leaps to mind when setting up a small business retirement plan. Do you know the differences between plans? What does the Internal Revenue Code allow and restrict? Why should you even care? Because if you sell fixed indexed annu... Read >
Author: Gary Le Mon23rd November 2006
Determining what type and amount of life insurance is right for you require some careful thought and it sometimes seems a secret decoder ring. In addition to term life, whole life, senior life insurance and universal life polices, these days, there are a ... Read >
Author: Sky Joe16th November 2006
Seniors ? Do you have an exit strategy?
Over the last 3 decades tax deferred investing through 401(k) plans, IRAs, SEPs, tax deferred annuities have become very popular. There is good reason for that. They are great places to accumulate money. But... Read >
Author: Steve Lover12th October 2006
Are you ready for retirement? Sure, you’re mentally prepared to leave the everyday rat race, to throw your alarm clock in the garbage, and to spend your days doing whatever you so please. The question is: are you ready financially? If you’re like most... Read >
Author: Joseph Kenny15th September 2006
The Pension Protection Act, signed into law on August 17, 2006, is designed to address the nation-wide problem of under-funded pension plans. The law penalizes noncompliant companies and encourages employee contributions, but many of the changes directly ... Read >
Author: Maggie Beetz12th August 2006
Copyright 2006 Ronald Hudkins
It isn't just the US Government waiting out there to grab a chunk of your hard earned estate when you become incapacitated or die. Strangely enough, state coffers are frequently enlarged through the mechanism of Medicaid.... Read >
Author: Ronald Hudkins25th July 2006
Here's an estate-planning technique that allows you to lower the tax sting to your heirs, and that reduces your retirement income in case you don't think you will need all of your Individual Retirement Account funds in retirement. It's called a "stretch... Read >
Author: Jeff McLeod05th July 2006
Retirement planning is an important thing for a successfully employed person and also a convenient instrument of saving funds and paying fewer taxes on these savings.
There are different types of retirement plans and even within these types there are ... Read >
Author: LLoyd Johns25th June 2006
Long-Term Care Insurance is still fairly new on the market and a lot of people don't know that it even exists or what it covers. Even those who have heard the term don't know always when benefits are paid, how they are designed, and who qualifies or needs... Read >
Author: Lorna Findlay20th May 2006
Copyright 2006 Ronald Hudkins
Not too many years ago life insurance was considered to be the indispensable platform upon which all other estate planning efforts should be based. In fact, for those in the median and lower income ranges, it was often th... Read >
Author: Ronald Hudkins10th May 2006
Brand new employer sponsored retirement plan is a hybrid of a traditional 401k and a Roth IRA.
Income tax rates have been cut, the marriage penalty done away with, and the death tax is also on a path to no more. All of this is a result of the Bush adm... Read >
Author: Simon Fox05th April 2006
By Peter Parks
When you buy a home there are some big tax advantages when you have a home mortgage to write off. Uncle Sam plays a big role, offering a variety of tax breaks for home owners. However, taxes can be messy and they can be complicated. It c... Read >
Author: Peter Parks25th March 2006
Many retirement savers spend much of their working life building their retirement nest egg through the use of Individual Retirement Accounts (IRAs). The savings can be a significant part of their security throughout the retirement years. When retirement t... Read >
Author: Jeff McLeod20th March 2006
More and more workers are leaving their jobs and taking their 401 k retirement plan funds with them. While some are rolling their funds over into IRAs or other qualified plans; many are taking their distributions in cash. Once an employee has left the job... Read >
Author: Lawrence Groves11th March 2006
It is a well-known fact that Americans are miserable failures when it comes to saving for retirement. Well, the government is offering tax credits to change this for some of us.
Tax Credits for Retirement Savings
Social security is going to be under... Read >
Author: Richard Chapo23rd February 2006
If you fall into the Baby Boomer generation, having been born between 1946 and 1964, this 3rd stage of life, retirement, is right in front of you. Keep in mind, that potentially, this is the longest stage of life, possibly lasting 20-30 years. Dont' fail... Read >
Author: Kent Smith05th January 2006
The money in your IRA is your money. Every cent you put into that IRA was hard-earned, and if you really think about it, it's not growing fast enough. What's worse, you're a few years away from retirement. Can you really bear the thought of NOT retirin... Read >
Author: David S23rd December 2005
We could all use a few tips to get started, and once it's part of your routine, financial planning actually isn't that difficult. Just like walking, the first steps are the hardest, and these tips are designed to kick-start the desire to make planning you... Read >
Author: jay moncliff10th December 2005
An early distribution from an Individual Retirement Arrangement (IRA) or a qualified retirement plan need not be a "taxing" experience. Fortunately, there are exceptions to early distributions.
Any payment that you receive from your IRA or qualified re... Read >
Author: Richard Chapo21st September 2005
The following tips will help get you in gear to start your financial planning. Once you have made financial planning part of your routine, it won't seem so difficult. But getting your financial planning started can be the most difficult thing. These tips ... Read >
Author: jay moncliff08th September 2005
Q: I own a small decorating business and I'll be the first to admit that I don't know anything about taxes or retirement plans. I'd like to set up a 401(k) or an IRA or some other kind of retirement plan for me and my three employees. What are the vario... Read >
Author: Tim Knox11th August 2005
Taking Charge of Your 401(k) Investments
Copyright 2005 Daniel Lamaute
Lamaute Capital, Inc.
http://www.InvestSafe.com
These days financial services firm, Lamaute Capital Inc. (http://InvestSafe.com), is seeing a lot more investors worried
a... Read >
Author: Daniel Lamaute
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