IRA / INDUVIDUAL
RETIREMENT ACCOUNT
RETIREMENT ACCOUNT
KNOWLEDGEFINANCIALGROUP.COM
IRA / INDIVIDUAL RETIREMENT ACCOUNT. What is an IRA? And what does it matter?
“IRA stand for Individual
Retirement Account“. It’s
sole purpose is to help you save for
the old days by providing significant
tax advantages.
Have you thought about rolling your
Traditional IRAs from one financial
institution to another? Maybe you're
looking for higher returns, more
investment selections or better
service. If you roll over your
Traditional IRA, there are some
common mistakes you must avoid. If
you don't, you could face
unnecessary taxes and penalties. In
this article, we'll give you an
overview of IRA rollover rules and
help you avoid breaking them.
KNOWLEDGEFINANCIAL.COM
Retirement Account“. It’s
sole purpose is to help you save for
the old days by providing significant
tax advantages.
Have you thought about rolling your
Traditional IRAs from one financial
institution to another? Maybe you're
looking for higher returns, more
investment selections or better
service. If you roll over your
Traditional IRA, there are some
common mistakes you must avoid. If
you don't, you could face
unnecessary taxes and penalties. In
this article, we'll give you an
overview of IRA rollover rules and
help you avoid breaking them.
KNOWLEDGEFINANCIAL.COM
| Roth IRA An individual retirement plan that bears many similarities to the traditional IRA, but contributions are not tax deductible and qualified distributions are tax free. Similar to other retirement plan accounts, non-qualified distributions from a Roth IRA may be subject to a penalty upon withdrawal. A qualified distribution is one that is taken at least five years after the taxpayer establishes his or her first Roth IRA and when he or she is age 59.5, disabled, using the withdrawal to purchase a first home (limit $10,000), or deceased (in which case the beneficiary collects). Since qualified distributions from a Roth IRA are always tax free, some argue that a Roth IRA may be more advantageous than a Traditional IRA. KNOWLEDGEFINANCIAL.COM |
| Rollover A Rollover is when you do the following Reinvesting funds from a mature security into a new issue of the same or a similar security. Transferring the holdings of one retirement plan to another without suffering tax consequences. A charge that is incurred by investors who move their positions to the following delivery date. Assuming an option about to expire is favourable to hold, you may decide to buy or sell the later expiring option. Retirement plans may be moved in order to forgo tax consequences when moving from one company to another. The distribution is reported on IRS Form 1099-R and the rollover contribution is reported on IRS Form 5498. Rollovers may be limited to one per annum for each IRA and the assets are generally made payable to the retirement account holder. The assets must then be deposited to the receiving retirement account within 60 days after the account holder receives the assets. KNOWLEDGEFINANCIALGROUP.COM |
Traditional IRA
An individual retirement account (IRA)
that allows individuals to direct pre-tax
income, up to specific annual limits,
toward investments that can grow tax-
deferred (no capital gains or dividend
income is taxed).
Individual taxpayers are allowed to
contribute 100% of compensation up to
a specified maximum dollar amount to
their Traditional IRA. Contributions to
the Traditional IRA may be tax-
deductible depending on the taxpayer's
income, tax-filing status and other
factors.--KNOWLEDGEFINANCIAL.COM
Other variants of the IRA include the
Roth IRA, SIMPLE IRA, and SEP IRA.
Traditional IRAs are held by
custodians, such as commercial banks
and retail brokers, and investors can
place IRA funds into stocks, bonds,
funds and other financial assets
deemed fit by the custodian. Assets
such as real estate come with heavy
restrictions from the IRS, and may be
taxed differently.
When the individual begins to receive
distributions from a traditional IRA, the
income is treated as ordinary income
and may be subjected to income tax.
This differs from the Roth IRA, which
can offer tax-free distributions. For
people over the age of 50, higher
annual contribution limits may apply if
the IRA has been recently created or
under-funded in previous tax years.
Distributions are required to come out
of the account by the time the owner
reaches age 70.5.
An individual retirement account (IRA)
that allows individuals to direct pre-tax
income, up to specific annual limits,
toward investments that can grow tax-
deferred (no capital gains or dividend
income is taxed).
Individual taxpayers are allowed to
contribute 100% of compensation up to
a specified maximum dollar amount to
their Traditional IRA. Contributions to
the Traditional IRA may be tax-
deductible depending on the taxpayer's
income, tax-filing status and other
factors.--KNOWLEDGEFINANCIAL.COM
Other variants of the IRA include the
Roth IRA, SIMPLE IRA, and SEP IRA.
Traditional IRAs are held by
custodians, such as commercial banks
and retail brokers, and investors can
place IRA funds into stocks, bonds,
funds and other financial assets
deemed fit by the custodian. Assets
such as real estate come with heavy
restrictions from the IRS, and may be
taxed differently.
When the individual begins to receive
distributions from a traditional IRA, the
income is treated as ordinary income
and may be subjected to income tax.
This differs from the Roth IRA, which
can offer tax-free distributions. For
people over the age of 50, higher
annual contribution limits may apply if
the IRA has been recently created or
under-funded in previous tax years.
Distributions are required to come out
of the account by the time the owner
reaches age 70.5.
Common IRA Rollover
Mistakes
Have you thought about rolling your
Traditional IRAs from one financial
institution to another? Maybe you're
looking for higher returns, more
investment selections or better service. If
you roll over your Traditional IRA, there
are some common mistakes you must
avoid. If you don't, you could face
unnecessary taxes and penalties. In this
article, we'll give you an overview of IRA
rollover rules and help you avoid
breaking them.
60-Day Rule
After you receive the funds from your IRA,
you have 60 days to complete the
rollover to another IRA. If you do not
complete the rollover within the time
allowed or received a waiver or
extension of the 60-day period from the
IRS, the amount must be treated as
ordinary income in the IRS's eyes. That
means you must include the amount as
income on your tax return, where any
taxable amounts will be taxed at your
current ordinary income tax rate. Plus, if
you did not reach age 59.5 when the
distribution occurred, you'll face a 10%
penalty on the withdrawal
KNOWLEDGEFINANCIAL.COM
Mistakes
Have you thought about rolling your
Traditional IRAs from one financial
institution to another? Maybe you're
looking for higher returns, more
investment selections or better service. If
you roll over your Traditional IRA, there
are some common mistakes you must
avoid. If you don't, you could face
unnecessary taxes and penalties. In this
article, we'll give you an overview of IRA
rollover rules and help you avoid
breaking them.
60-Day Rule
After you receive the funds from your IRA,
you have 60 days to complete the
rollover to another IRA. If you do not
complete the rollover within the time
allowed or received a waiver or
extension of the 60-day period from the
IRS, the amount must be treated as
ordinary income in the IRS's eyes. That
means you must include the amount as
income on your tax return, where any
taxable amounts will be taxed at your
current ordinary income tax rate. Plus, if
you did not reach age 59.5 when the
distribution occurred, you'll face a 10%
penalty on the withdrawal
KNOWLEDGEFINANCIAL.COM
120-Day Exception for
First-Time Home-buyers
Taxable distributions of up to $10,000
from your IRAs are not subject to the
10% additional tax (early-distribution
penalty) if the IRA owner or a qualified
family member is a first-time
homebuyer and, within 120 days of
receipt, the IRA owner uses the amount
to pay for qualifying acquisition or
rebuilding costs for his or her own or
qualifying family member's principal
residence.
If the amount is not used because of a
cancellation or delay in the purchase or
construction of the residence, the
amount may be rolled over to the IRA
within 120 days instead of the usual 60
days.
Automatic Waiver for
Hardship
An individual may deliver distributed
assets to a financial institution and
intend the amount be deposited to his
or her retirement account as a rollover
contribution; but sometimes, because
of an error, the amount is not credited to
the retirement account within the 60-day
period. If this happens to you, you
receive an automatic extension of the
60-day period, providing all of the
following requirements are met:
The assets were delivered to your
financial institution within 60 days after
you had received the distribution.
You followed the procedural
requirements for rollover contributions
that were established by your financial
institution.
The amount was not deposited to your
retirement account because of an error
made by the financial institution.
The assets are deposited to your
retirement account within one year after
you received the distribution.
The transaction clearly would have
been a valid rollover contribution had
the financial institution followed your
instructions at the time of receipt.
Such errors can occur if you maintain
multiple accounts with your financial
institution, and a representative
inadvertently deposits the amount to the
wrong account, such as your regular
checking account. To be sure your
instructions are followed, check your
account statement for accuracy, and
contact your financial institution
immediately if you detect any errors.
KNOWLEDGEFINANCIAL.COM
First-Time Home-buyers
Taxable distributions of up to $10,000
from your IRAs are not subject to the
10% additional tax (early-distribution
penalty) if the IRA owner or a qualified
family member is a first-time
homebuyer and, within 120 days of
receipt, the IRA owner uses the amount
to pay for qualifying acquisition or
rebuilding costs for his or her own or
qualifying family member's principal
residence.
If the amount is not used because of a
cancellation or delay in the purchase or
construction of the residence, the
amount may be rolled over to the IRA
within 120 days instead of the usual 60
days.
Automatic Waiver for
Hardship
An individual may deliver distributed
assets to a financial institution and
intend the amount be deposited to his
or her retirement account as a rollover
contribution; but sometimes, because
of an error, the amount is not credited to
the retirement account within the 60-day
period. If this happens to you, you
receive an automatic extension of the
60-day period, providing all of the
following requirements are met:
The assets were delivered to your
financial institution within 60 days after
you had received the distribution.
You followed the procedural
requirements for rollover contributions
that were established by your financial
institution.
The amount was not deposited to your
retirement account because of an error
made by the financial institution.
The assets are deposited to your
retirement account within one year after
you received the distribution.
The transaction clearly would have
been a valid rollover contribution had
the financial institution followed your
instructions at the time of receipt.
Such errors can occur if you maintain
multiple accounts with your financial
institution, and a representative
inadvertently deposits the amount to the
wrong account, such as your regular
checking account. To be sure your
instructions are followed, check your
account statement for accuracy, and
contact your financial institution
immediately if you detect any errors.
KNOWLEDGEFINANCIAL.COM
| Non-Automatic Waiver Application If you are unable to complete your rollover contribution because of certain circumstances beyond your reasonable control, you can submit an application to the IRS for a waiver or extension of the 60-day rule. When reviewing your application, the IRS determines whether you meet certain requirements by considering the following: Whether any mistakes were made by your financial institution, other than those described under this article's section "Automatic Waiver for Hardship" above. Whether the inability to complete the rollover was the result of death, disability, hospitalization, incarceration, restrictions imposed by a foreign country or a postal error. How the distributed amount was used. For instance, if you received a check for the distributed amount, the IRS will want to know whether the check was cashed. How long it has been since the distribution occurred. Additionally the IRS will look at whether you had any intention of rolling over the distributed amount at the time the withdrawal occurred. If the IRS determines that you didn't have this intention, your request for waiver may not be approved. Also, before applying for a waiver of the 60-day rule, check to make sure the amount in question is rollover eligible. For instance, if the distribution occurred from an IRA from which another distribution was rolled over during the 12 months preceding the distribution in question, this second distribution is not rollover eligible. In order to be considered for the waiver, you must submit an application for a private letter ruling (PLR) to the IRS and pay the applicable fee, which in 2005 is $95. The procedure for applying for a PLR is explained in the IRS publication Revenue Procedure 2003-4. After reviewing your application, the IRS will issue a PLR to you indicating whether your application is approved. If it is, it will include the time limit within which the rollover contribution must be completed. If your application is not approved and you already deposited the amount to your retirement account, you may need to remove the amount as a return of excess contribution (which you can read more about in Correcting Ineligible (Excess) IRA Contributions - Part 3). KNOWLEDGEFINANCIAL.COM |
| Ensuring Correct Reporting If you qualify for any of the exceptions explained here - that is, a cancellation or delay in the purchase or construction of a first home is the reason you didn't use the distributed amount within 120 days for first-home costs; you were eligible for the automatic waiver within one year of the distribution; or your application for extension to the IRS was approved - you must report the amount on your tax return as nontaxable to exclude the amount from your income and avoid the penalty. This is done by including the amount on the applicable line of your tax return. (For instance, if you use Form 1040, include the distributed amount on line 15a and input zero on line 15b.) If you have failed to roll over the amount within the 60-day period and don't qualify for these exceptions, you must include any taxable amount of the distribution as income, and pay the applicable taxes. Consult with your tax professional for assistance with determining the taxable portion of your distribution and including the amount on your tax return. Your tax or legal professional should also be able to help you with determining your waiver eligibility and the application process. One-Year Waiting Rule Within one year after you distribute assets from your IRA and rollover any part of that amount, you cannot make another rollover from the same IRA to another (or the same) IRA. For example, imagine that you have two IRAs - IRA-1 and IRA-2 - and you make a tax-free rollover from IRA-1 into a new IRA (IRA-3). Within one year of the distribution from IRA-1, you cannot make another tax-free rollover from IRA-1 or from IRA-3 into another IRA. However, you could roll funds out of IRA-2 into any other IRA because you did not roll money into or out of that account within the previous year. The once-a-year limit on IRA-to-IRA rollovers does not apply to eligible rollover distributions from an employer plan. Therefore, you can roll over more than one distribution from the same qualified plan, 403(b) or 457(b) account within a year. (Note: This one year limit does not apply to rollovers from Traditional IRAs to Roth IRAs. Same Property Rule Your rollover from one IRA or to another IRA must consist of the same property. This means that you cannot take cash distributions from your IRA, purchase other assets with the cash, and then roll those assets over into a new (or the same) IRA. Should this occur, the IRS would consider the cash distribution from the IRA as ordinary income. Here's a hypothetical example of how someone might violate the same property rule: An entrepreneur, age 57, has decided to roll over her IRA from one financial institution another. However, she wants to use her IRA assets to purchase shares of certain company's stock. She takes a portion of the funds she received from her IRA, buys the shares and places the remaining cash in a new IRA. Then, she deposits the shares of the stock she had purchased into the same IRA to receive tax-deferred treatment. The IRS would deem the portion of the distribution used to purchase the stock as ordinary income; therefore, the entrepreneur would owe taxes at her current ordinary income tax rate on any taxable portion of the stocks that were rolled over. Furthermore, because she is younger than 59.5, the IRS would assess a 10% penalty on any taxable portion of the amount used to purchase the stocks. Caution: When Not to Use a Rollover If you are simply moving your IRA from one financial institution to another and you do not need to use the funds, then you should consider using the transfer method, instead of a rollover. A transfer is non-reportable, and can be done for an unlimited number of times during any period. A rollover leaves room for errors, including missing the 60-day deadline, losing the check, and you are limited to the once per 12-month rule discussed earlier. Additional points You can roll over funds from any of your own Traditional IRAs, but you can also roll over funds to your Traditional IRA from the following retirement plans: KNOWLEDGEFINANCIALGROUP.COM |
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Stretch IRAA stretch IRA is a distribution strategy that can extend the
tax-deferred compounding of your IRA assets across multiple generations. .
Want To Leave Money To Your Family? Stretch Your IRA
------KNOWLEDGEFINANCIALGROUP.COM
When looking into retirement investing options, you may have come across
the term 'stretch IRA'. This is actually not a category of IRA, such as a
Traditional, Roth, SEP or SIMPLE IRA; instead, it is more like a
financial-planning or wealth-management concept that acts as a provision
of the IRAs many financial institutions offer. A financial institution may not
refer to their IRA product by this specific term, so when discussing these
IRAs, it may make sense to describe the concept.
The stretch provision is one you might be interested in if you are using your
IRA primarily to provide for your beneficiaries. In this article, we'll discuss
the stretch concept and the factors that determine whether an IRA includes
a stretch provision.
The Stretch Concept
While the basic intent of having a retirement account is to save for and
finance retirement years, many individuals have other financial resources
and prefer to leave the tax-deferred (or tax-free, in the case of a Roth IRA)
assets to their beneficiaries. Whether the beneficiaries can continue to
enjoy tax-deferred or tax-free growth on the retirement assets, however,
depends on the provisions stated in the IRA plan document.
--------KNOWLEDGEFINANCIALGROUP.COM
Some IRA provisions may require the beneficiary to distribute the assets
soon after the IRA owner's death. Some will allow the beneficiary to take
distributions over his or her life expectancy as provided by the Internal
Revenue Code.
KNOWLEDGEFINANCIALGROUP.COM
tax-deferred compounding of your IRA assets across multiple generations. .
Want To Leave Money To Your Family? Stretch Your IRA
------KNOWLEDGEFINANCIALGROUP.COM
When looking into retirement investing options, you may have come across
the term 'stretch IRA'. This is actually not a category of IRA, such as a
Traditional, Roth, SEP or SIMPLE IRA; instead, it is more like a
financial-planning or wealth-management concept that acts as a provision
of the IRAs many financial institutions offer. A financial institution may not
refer to their IRA product by this specific term, so when discussing these
IRAs, it may make sense to describe the concept.
The stretch provision is one you might be interested in if you are using your
IRA primarily to provide for your beneficiaries. In this article, we'll discuss
the stretch concept and the factors that determine whether an IRA includes
a stretch provision.
The Stretch Concept
While the basic intent of having a retirement account is to save for and
finance retirement years, many individuals have other financial resources
and prefer to leave the tax-deferred (or tax-free, in the case of a Roth IRA)
assets to their beneficiaries. Whether the beneficiaries can continue to
enjoy tax-deferred or tax-free growth on the retirement assets, however,
depends on the provisions stated in the IRA plan document.
--------KNOWLEDGEFINANCIALGROUP.COM
Some IRA provisions may require the beneficiary to distribute the assets
soon after the IRA owner's death. Some will allow the beneficiary to take
distributions over his or her life expectancy as provided by the Internal
Revenue Code.
KNOWLEDGEFINANCIALGROUP.COM
STRETCH IRA --- WHAT IS IT STRETCH IRA?
-----KNOWLEDGEFINANCIALGROUP.COM
The "stretch IRA" is not a new IRA account on the market, or even a new
investment concept, it is simply a wealth transfer method that allows you
the potential to "stretch" your IRA over several future generations. As an IRA
owner, you are typically required to take minimum distributions from your
IRA at age 70.5 based on an IRS life expectancy table.
If you are fortunate enough to inherit someone else's IRA, you will be
required to take minimum distributions each year from the IRA account
based on your life expectancy figure - regardless of your age.
IRA accounts at death of the owner pass by contract or beneficiary
designation. It is typical practice for most IRA owners to name their spouse
as the primary IRA beneficiary and their children as the contingent
beneficiaries. While there is nothing wrong with this strategy, it might
require the spouse to take more taxable income from the IRA than what
he/she really needs when he/she inherits the IRA.
If income needs are not an issue for the spouse and children-, then naming
younger beneficiaries (such as grandchildren or great-grandchildren) allows
you to stretch the value of the IRA out over generations. This is possible
because grandchildren are younger and their required minimum distribution
(RMD) figure will be much less at a younger age
-------KNOWLEDGEFINANCIALGROUP.COM
-----KNOWLEDGEFINANCIALGROUP.COM
The "stretch IRA" is not a new IRA account on the market, or even a new
investment concept, it is simply a wealth transfer method that allows you
the potential to "stretch" your IRA over several future generations. As an IRA
owner, you are typically required to take minimum distributions from your
IRA at age 70.5 based on an IRS life expectancy table.
If you are fortunate enough to inherit someone else's IRA, you will be
required to take minimum distributions each year from the IRA account
based on your life expectancy figure - regardless of your age.
IRA accounts at death of the owner pass by contract or beneficiary
designation. It is typical practice for most IRA owners to name their spouse
as the primary IRA beneficiary and their children as the contingent
beneficiaries. While there is nothing wrong with this strategy, it might
require the spouse to take more taxable income from the IRA than what
he/she really needs when he/she inherits the IRA.
If income needs are not an issue for the spouse and children-, then naming
younger beneficiaries (such as grandchildren or great-grandchildren) allows
you to stretch the value of the IRA out over generations. This is possible
because grandchildren are younger and their required minimum distribution
(RMD) figure will be much less at a younger age
-------KNOWLEDGEFINANCIALGROUP.COM
| STRETCH IRA -------KNOWLEDGEFINANCIALGROUP.COM Primary Benefits of the Stretch Concept Tax Deferral The primary benefit of the stretch provision is that it allows the beneficiaries to defer paying taxes on the account balance and to continue enjoying tax-deferred and/or tax-free growth as long as possible. Without the stretch provision, beneficiaries may be required to distribute the full account balance in a period much shorter than the benefirciary's life expectancy, possibly causing them to be in a higher tax bracket and/or resulting in significant taxes on the withdrawn amount. Flexibility Generally, the stretch option is not a binding provision, which means the beneficiary may choose to discontinue it at anytime by distributing the entire balance of the inherited IRA. This allows the beneficiary some flexibility should he or she need to distribute more than the minimum required amount. Benefits for Spouses ---------KNOWLEDGEFINANCIALGROUP.COM A spouse beneficiary is allowed to treat the inherited IRA as his or her own. When the spouse elects to do this, the stretch concept is not an issue, as the spouse beneficiary is given the same status and options as the original IRA owner. However, should the spouse choose to treat the IRA as an inherited IRA, then the stretch rule could apply. Conclusion If you are interested in having the stretch concept apply to your IRA, consult your current IRA provider or financial institution. If they seem unfamiliar with the term, ask specific questions: will the beneficiary be allowed to take distributions over a life-expectancy period? Will the beneficiary be allowed to designate second- and subsequent-generation beneficiaries? If the answer to these questions is yes, then you are able to use the stretch concept with the IRA. ----KNOWLEDGEFINANCIALGROUP.COM |
| WHAT IS A STRETCH IRA? ---KNOWLEDGEFINANCIALGROUP.COM A stretch IRA is a distribution strategy that can extend the tax-deferred compounding of your IRA assets across multiple generations. WHEN SHOULD YOU USE A STRETCH IRA? If you do not need all the assets in your IRA to cover How the Stretch Concept Works As we just stated, the stretch concept allows an IRA to be passed on from generation to generation. However, in doing so, the beneficiary must follow certain rules to ensure he or she doesn't owe the IRS excess-accumulation penalties, which are caused by failing to withdraw the minimum amount each year. Let's explore this further with an example. Example Tom's designated beneficiary is his son Dick. Tom dies in 2008, when he is age 70 and Dick is age 40. Dick's life expectancy is 42.7 (determined in the year following the year Tom died, when Dick is age 41). This means that Dick is able to stretch distributions over a period of 42.7 years. Dick elects to stretch distributions over his life expectancy, and he must take his first distribution by December 31, 2009, the year-end following the year Tom died. To determine the minimum amount that must be distributed, Dick must divide the balance on December 31, 2008, by 42.7. If Dick withdraws less than the minimum amount, the shortfall will be subject to the excess-accumulation penalty. To determine the minimum amount he must distribute for each subsequent year, Dick must subtract 1 from his life expectancy of the previous year. He must then use that new life-expectancy factor as a divisor of the previous year-end balance. The IRA plan document allowed Dick to designate a second-generation beneficiary, and he designated his son Harry. If Dick were to die in 2013, when his remaining life expectancy is 38.7 (42.7 - 4), Harry could continue distributions for Dick's remaining life expectancy. It is important to note that only the first-generation beneficiary's life expectancy is factored into the distribution equation; therefore, Harry's age is not relevant. In this example, Tom could have chosen to designate Harry as his own beneficiary, resulting in a longer stretch period. In such a case, Harry would be the first-generation beneficiary, and his life expectancy instead of Dick's would be factored into the equation. KNOWLEDGEFINANCIALGROUP.COM |
HOW DO YOU STRETCH A ROTH IRA?
Stretching a Roth IRA is similar to stretching a traditional IRA. If you name your
spouse as beneficiary of your Roth IRA, he or she can roll the balance into his or
her own Roth IRA when you die and name a younger beneficiary. With a
stretched Roth IRA, however, your spouse is never required to take RMDs.
That means the assets may continue their tax-deferred compounding longer
than in a stretched traditional IRA. When your spouse dies, his or her beneficiary
must begin taking RMDs based on his or her life expectancy. Because they will
be taken from a Roth IRA, those distributions (if qualified) will be tax-free.2
Stretching a Roth IRA is similar to stretching a traditional IRA. If you name your
spouse as beneficiary of your Roth IRA, he or she can roll the balance into his or
her own Roth IRA when you die and name a younger beneficiary. With a
stretched Roth IRA, however, your spouse is never required to take RMDs.
That means the assets may continue their tax-deferred compounding longer
than in a stretched traditional IRA. When your spouse dies, his or her beneficiary
must begin taking RMDs based on his or her life expectancy. Because they will
be taken from a Roth IRA, those distributions (if qualified) will be tax-free.2
| ---ESTATE TAX EXEMPTION---- The estate tax in the United States is a tax imposed on the transfer of the "taxable estate" of a deceased person, whether such property is transferred via a will, according to the state laws of intestacy or otherwise made as an incident of the death of the owner, such as a transfer of property from an intestate estate or trust, or the payment of certain life insurance benefits or financial account sums to beneficiaries. The estate tax is one part of the Unified Gift and Estate Tax system in the United States. The other part of the system, the gift tax, imposes a tax on transfers of property during a person's life; the gift tax prevents avoidance of the estate tax should a person want to give away his/her estate. In addition to the federal government, many states also impose an estate tax, with the state version called either an estate tax or an inheritance tax. Since the 1990s, opponents of the tax have used the pejorative term "death tax." The equivalent tax in the United Kingdom has always been referred to as "death duties." If an asset is left to a spouse or a charitable organization, the tax usually does not apply. ''Estate tax in the United States''-- |
KNOWLEDGEFINANCIALGROUP.COM
KNOWLEDGEFINANCIALGROUP.COM
KNOWLEDGEFINANCIALGROUP.COM
KNOWLEDGEFINANCIALGROUP.COM
KNOWLEDGEFINANCIALGROUP.COM
| Get a Free Life Insurance Quote With No Obligation. Low Cost Life Insurance, But Very Good Plan With One Of The Best, Largest Insurance Company.---- |
LOW COST LIFE INSURANCE, BUT VERY GOOD PLAN
| Life Insurance Benefits, Advantages- Reduce Your Premium And Get More Coverage For Less Money For You And Your Entire Family No Matter How Many Children You Have or Will Have; All Cover For The Same Low Cost. -- South FL. Call Anthony The Insurance Representative At: 786 Be Properly Protected With a Good Insurance Policy. Affordable Life Insurance: Best Price, Best Plan With The Best Company. Call At: 786- Family Treasure; Life Insurance Can be a Great One. |
Estate Planning: 16 Things
To Do Before You DieWhile
many of us like to think
that we're immortal, the old
joke is that only two things
in life are for sure: death
and taxes.
Not only is it important that you have
a plan in place in the unlikely event
of your death, but you must also
implement your plan and make sure
others know about it and
understand your wishes -
as Benjamin Franklin's famous
quote goes, "by failing to prepare,
you are preparing to fail". If you've
procrastinated on your estate
planning, these 16 steps will you get
going in the right direction.
Estate Planning What Does Estate
Planning Mean?
The collection of preparation tasks
that serve to manage an individual's
asset base in the event of their
incapacitation or death, including
the bequest of assets to heirs and
the settlement of estate taxes. Most
estate plans are set up with the help
of an attorney experienced in estate
law.
Some of the major estate planning
tasks include:
-1. Creating a will
- 2.Limiting estate taxes by setting
up trust accounts in the name of
beneficiaries
- 3.Establishing a guardian for living
dependents
- 4.Naming an executor of the
estate to oversee the terms of the
will
- 5.Creating/updating
beneficiaries on plans such as life
insurance, IRAs and 401(k)s
- 6.Setting up funeral arrangements
- 7.Establishing annual gifting to
reduce the taxable estate
- 8.Setting up durable
power of attorney (POA) to
direct other assets and investments
KNOWLEDGEFINANCIAL.COM
-Explains
Estate Planning
Estate planning is an ongoing
process and should be started as
soon as one has any measurable
asset base.
As life progresses and goals shift,
the estate plan should move to be in
line with new goals. Lack of
adequate estate planning can cause
undue financial burdens to loved
ones (estate taxes can run higher
than 40%), so at the very least a will
should be set up even if the taxable
estate is not large.
To Do Before You DieWhile
many of us like to think
that we're immortal, the old
joke is that only two things
in life are for sure: death
and taxes.
Not only is it important that you have
a plan in place in the unlikely event
of your death, but you must also
implement your plan and make sure
others know about it and
understand your wishes -
as Benjamin Franklin's famous
quote goes, "by failing to prepare,
you are preparing to fail". If you've
procrastinated on your estate
planning, these 16 steps will you get
going in the right direction.
Estate Planning What Does Estate
Planning Mean?
The collection of preparation tasks
that serve to manage an individual's
asset base in the event of their
incapacitation or death, including
the bequest of assets to heirs and
the settlement of estate taxes. Most
estate plans are set up with the help
of an attorney experienced in estate
law.
Some of the major estate planning
tasks include:
-1. Creating a will
- 2.Limiting estate taxes by setting
up trust accounts in the name of
beneficiaries
- 3.Establishing a guardian for living
dependents
- 4.Naming an executor of the
estate to oversee the terms of the
will
- 5.Creating/updating
beneficiaries on plans such as life
insurance, IRAs and 401(k)s
- 6.Setting up funeral arrangements
- 7.Establishing annual gifting to
reduce the taxable estate
- 8.Setting up durable
power of attorney (POA) to
direct other assets and investments
KNOWLEDGEFINANCIAL.COM
-Explains
Estate Planning
Estate planning is an ongoing
process and should be started as
soon as one has any measurable
asset base.
As life progresses and goals shift,
the estate plan should move to be in
line with new goals. Lack of
adequate estate planning can cause
undue financial burdens to loved
ones (estate taxes can run higher
than 40%), so at the very least a will
should be set up even if the taxable
estate is not large.
Estate Planning:
Things To Do Before You Die While
many of us like to think that we're
immortal, the old joke is that only
two things in life are for sure: death
and taxes.
Not only is it important that you have
a plan in place in the unlikely event
of your death, but you must also
implement your plan and make sure
others know about it and
understand your wishes
- as Benjamin Franklin's famous
quote goes,
"by failing to prepare, you are
preparing to fail".
If you've procrastinated on your
estate planning, these 16 steps will
you get going in the right direction.
Must Do No.1:
Physical Items Inventory To
start things out, go through the
inside and outside of your home and
make a list of all items worth $100
or more.
Examples include the home itself,
television sets, jewelry, collectibles,
vehicles, guns, computers/laptops,
lawn mower, power tools and so on.
Must Do No.2:
Non-Physical Items
Inventory Next, start adding up
your non-physical assets. These
include things you own on paper or
other entitlements that are
predicated on your death.
Items listed here would include:
brokerage accounts, 401k plans,
IRA assets, bank accounts, life
insurance policies, and ALL other
existing insurance policies such as
long-term care, homeowners, auto,
disability, health and so on.
Must Do No.3:
Credit Cards & Debts List
Here you'll make a separate list for
open credit cards and other debts.
This should include everything such
as auto loans, existing mortgages,
home equity lines of credit, open
credit cards with and without
balances, and any other debts you
might owe. A good practice is to run
a free credit report at least once a
year and make sure you close out
any credit cards that are no longer
in use.
Must Do No.4:
Send A Copy Of Your
Assets List To Your Estate
Administrator When your lists
are completed, you should date and
sign them and make at least three
copies.
The original should be given to your
estate administrator, the second
copy should be given to your spouse
and placed in a safe deposit box,
and the last copy you should keep
for yourself in a safe place.
Must Do No.5:
Review IRA, 401(k) and
Other Retirement Accounts
accounts and policies where you list
beneficiary designations pass via
"contract" to that person or entity
listed at your death.
No matter how you list these
accounts/policies in your will or
trust, it doesn't matter because the
beneficiary listing will take
precedence.
Contact the customer service team
or plan administrator for a current
listing of your beneficiary selection
for each account. Review each of
these accounts to make sure the
beneficiaries are listed exactly as
you like.
Must Do No. 6:
Update Life Insurance &
Annuities Life insurance and
annuities will pass by contract as
well, so it's just as important that
you contact all life insurance
companies where you maintain
policies to ensure that your
beneficiaries are listed correctly.
Must Do No. 7:
Assign TOD Designations
Many accounts such as
bank savings, CD accounts and
individual brokerage accounts are
unnecessarily probated every day.
Probate is an avoidable court
process where assets are
distributed per court instruction,
which can be costly. Many of the
accounts listed above can be set up
with a transfer-on-death feature to
avoid the probate process. Contact
your custodian or bank to set this up
on your accounts.
Must Do No. 8:
Select A Responsible
Estate Administrator Your
estate administrator will be
responsible for following the rules of
your will in the event of your death.
It is important that you select an
individual who is responsible and in
a good mental state to make
decisions. Don't immediately
assume that your spouse is the best
choice.
Think about all qualified individuals
and how emotions related to your
death will affect this person's
decision-making ability.
Must Do No. 9:
Create A Will Everyone
over the age of 18 should
have a will. It is the rule book for
distribution of your assets and it
could prevent havoc among your
heirs.
Wills are fairly inexpensive estate
planning documents to draft. Most
attorneys can help you with this for
less than $1,000. If that's too rich for
your blood, there are several good
will-making software packages
available online for home computer
use.
Just make sure that you always sign
and date your will, have two
witnesses sign it, and obtain a
notarization on the final draft.
Must Do No. 10:
Review & Update Your
Documents You should review
your will for updates at least once
every two years and after any major
life-changing events (marriage,
divorce, birth of child, and so on).
Life is constantly changing and your
inventory list is likely to change from
year to year too.
Must Do No. 11:
Send Copies Of Your Will
To Your Estate
Administrator Once your will is
finalized, signed, witnessed and
notarized, you'll want to make sure
that your estate administrator get a
copy. You should also keep a copy in
a safe-deposit box and in a safe
place at home.
Must Do No. 12:
Initiate Important Estate
Plan Documents
Procrastination is the biggest
enemy to estate planning. While
none of us likes to think about dying,
the fact of the matter is that
improper or no planning can lead to
family disputes, assets going into
the wrong hands, long court
litigations and huge amounts of
dollars in federal tax.
At minimum, you should create a
will, power of attorney, healthcare
surrogate, trusts, living will, and
assign guardianship for your kids
and pets. Also make sure that all the
concerned individuals have copies
of these documents.
Conclusion
Now you have the ammunition to get
a pretty good jump-start on
reviewing your overall financial and
estate picture; the rest is up to you.
While you're sitting around the
house watching your favorite sports
team or television show, pull out a
tablet or laptop and start making
your lists.
You'll be surprised how much
"stuff" you've accumulated over the
years. You'll also find that your
inventory and debts lists will come
in handy for other things such as
homeowners insurance and getting
a firm grip on your expenses.
Things To Do Before You Die While
many of us like to think that we're
immortal, the old joke is that only
two things in life are for sure: death
and taxes.
Not only is it important that you have
a plan in place in the unlikely event
of your death, but you must also
implement your plan and make sure
others know about it and
understand your wishes
- as Benjamin Franklin's famous
quote goes,
"by failing to prepare, you are
preparing to fail".
If you've procrastinated on your
estate planning, these 16 steps will
you get going in the right direction.
Must Do No.1:
Physical Items Inventory To
start things out, go through the
inside and outside of your home and
make a list of all items worth $100
or more.
Examples include the home itself,
television sets, jewelry, collectibles,
vehicles, guns, computers/laptops,
lawn mower, power tools and so on.
Must Do No.2:
Non-Physical Items
Inventory Next, start adding up
your non-physical assets. These
include things you own on paper or
other entitlements that are
predicated on your death.
Items listed here would include:
brokerage accounts, 401k plans,
IRA assets, bank accounts, life
insurance policies, and ALL other
existing insurance policies such as
long-term care, homeowners, auto,
disability, health and so on.
Must Do No.3:
Credit Cards & Debts List
Here you'll make a separate list for
open credit cards and other debts.
This should include everything such
as auto loans, existing mortgages,
home equity lines of credit, open
credit cards with and without
balances, and any other debts you
might owe. A good practice is to run
a free credit report at least once a
year and make sure you close out
any credit cards that are no longer
in use.
Must Do No.4:
Send A Copy Of Your
Assets List To Your Estate
Administrator When your lists
are completed, you should date and
sign them and make at least three
copies.
The original should be given to your
estate administrator, the second
copy should be given to your spouse
and placed in a safe deposit box,
and the last copy you should keep
for yourself in a safe place.
Must Do No.5:
Review IRA, 401(k) and
Other Retirement Accounts
accounts and policies where you list
beneficiary designations pass via
"contract" to that person or entity
listed at your death.
No matter how you list these
accounts/policies in your will or
trust, it doesn't matter because the
beneficiary listing will take
precedence.
Contact the customer service team
or plan administrator for a current
listing of your beneficiary selection
for each account. Review each of
these accounts to make sure the
beneficiaries are listed exactly as
you like.
Must Do No. 6:
Update Life Insurance &
Annuities Life insurance and
annuities will pass by contract as
well, so it's just as important that
you contact all life insurance
companies where you maintain
policies to ensure that your
beneficiaries are listed correctly.
Must Do No. 7:
Assign TOD Designations
Many accounts such as
bank savings, CD accounts and
individual brokerage accounts are
unnecessarily probated every day.
Probate is an avoidable court
process where assets are
distributed per court instruction,
which can be costly. Many of the
accounts listed above can be set up
with a transfer-on-death feature to
avoid the probate process. Contact
your custodian or bank to set this up
on your accounts.
Must Do No. 8:
Select A Responsible
Estate Administrator Your
estate administrator will be
responsible for following the rules of
your will in the event of your death.
It is important that you select an
individual who is responsible and in
a good mental state to make
decisions. Don't immediately
assume that your spouse is the best
choice.
Think about all qualified individuals
and how emotions related to your
death will affect this person's
decision-making ability.
Must Do No. 9:
Create A Will Everyone
over the age of 18 should
have a will. It is the rule book for
distribution of your assets and it
could prevent havoc among your
heirs.
Wills are fairly inexpensive estate
planning documents to draft. Most
attorneys can help you with this for
less than $1,000. If that's too rich for
your blood, there are several good
will-making software packages
available online for home computer
use.
Just make sure that you always sign
and date your will, have two
witnesses sign it, and obtain a
notarization on the final draft.
Must Do No. 10:
Review & Update Your
Documents You should review
your will for updates at least once
every two years and after any major
life-changing events (marriage,
divorce, birth of child, and so on).
Life is constantly changing and your
inventory list is likely to change from
year to year too.
Must Do No. 11:
Send Copies Of Your Will
To Your Estate
Administrator Once your will is
finalized, signed, witnessed and
notarized, you'll want to make sure
that your estate administrator get a
copy. You should also keep a copy in
a safe-deposit box and in a safe
place at home.
Must Do No. 12:
Initiate Important Estate
Plan Documents
Procrastination is the biggest
enemy to estate planning. While
none of us likes to think about dying,
the fact of the matter is that
improper or no planning can lead to
family disputes, assets going into
the wrong hands, long court
litigations and huge amounts of
dollars in federal tax.
At minimum, you should create a
will, power of attorney, healthcare
surrogate, trusts, living will, and
assign guardianship for your kids
and pets. Also make sure that all the
concerned individuals have copies
of these documents.
Conclusion
Now you have the ammunition to get
a pretty good jump-start on
reviewing your overall financial and
estate picture; the rest is up to you.
While you're sitting around the
house watching your favorite sports
team or television show, pull out a
tablet or laptop and start making
your lists.
You'll be surprised how much
"stuff" you've accumulated over the
years. You'll also find that your
inventory and debts lists will come
in handy for other things such as
homeowners insurance and getting
a firm grip on your expenses.
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| THE ESSENTIAL STEPS of retirement planning When it comes to retirement planning, sooner is always better than later. Certain types of debt are toxic to building wealth. High-interest credit card debt can fester in your finances and cost more than can possibly be regained through saving and investing. Still, if you have access to a retirement account at work, take advantage of it. (See Rule V.) "If it's costing you a rate of interest and you're not getting a deduction for it, that would be the first order of business before you do any significant saving," says Brian Kuhn, Certified Financial Planner at Retirement Planning Services in Millersville, Md. Mortgages and student loans score a pass due to the deductibility of the interest, but car loans and credit cards can sport interest rates well above yields on aggressive investments. Pay off expensive debts and then accelerate retirement savings in earnest. ----------------- DEBT AND CREDIT SOLUTION Getting out of debt and saving for retirement will be tough if you have to whip out a credit card to cover every crisis. That's why an emergency fund is the cornerstone of every financial plan. The general rule of thumb is to save three to six months' worth of living expenses, but that target can be hard to nail down, says Kuhn. "We aim for a fixed dollar amount. The fixed dollar amount is whatever number you decide makes you comfortable, like $10,000 cash in the bank," he says. Pick an amount, save it up and then don't touch it -- until, of course, the inevitable emergency arises. YOU SHOULD HAVE A BUDGET Budgets are not the most exciting topic in finance, but your budget will underlie all of your wealth-building efforts and keep you on track with everyday expenses and savings. Just knowing the regular expenses and bills can help pin down where your money is going. There may be some fat that could be cut, which could translate to more savings. To further increase savings, pay yourself first. Savings, retirement and nonretirement, should be in the category of necessary expenses that must be paid every month, just like water and electricity. "Our clients that chose to set themselves up with the checking account debits that automatically take money from checking to savings -- those people tend to always have more money," says Chris Reilly, Certified Financial Planner, senior vice president and retirement planning specialist at Firstrust Financial Resources in Philadelphia. "The people that choose to wait and see how much money they have left over at the end of the year -- the odds are not in their favor." -------- You shall have a financial plan Your financial plan will be the road map to retirement. Don't get overwhelmed, though. "Once you get through some of the basic variables in the beginning, it's really not that hard," Reilly says. Some of the basic variables include the amount you currently have saved and how much money you'll need to retire. A rule of thumb is to assume you'll need 80 percent of your current annual income in retirement. Subtract any known retirement income such as a pension or Social Security, and you have the amount you'll need per year in retirement. According to the Social Security Administration, the normal retirement age is about 66 years. Many financial planners recommend running your financial plan to age 100, which means workers need to plan on financing about 34 years on average. Socking away money probably won't get you to retirement by itself. That's where wise investing comes in. Use Bankrate's return on investment calculator to find the approximate rate of return your portfolio needs for you to reach your retirement goals. The asset allocation of your portfolio will be based on rate of return a-- -------- You shall use tax-favored retirement accounts The government encourages saving for retirement with special accounts that give you tax breaks. Funds can be invested before taxes for investors who expect to pay a lower income tax in the future. Or money can be invested after taxes, as with a Roth account, where contributions and earnings can be taken out tax-free during retirement. Investors can open an individual retirement account, or traditional IRA, or the Roth version. These accounts allow contributions of up to $5,000 per year. Some employers also offer retirement plans. There are several types of employer-sponsored plans, but the most common is the 401(k) plan. It allows workers to save up to $16,500 per year. Some companies don't offer retirement plans. Workers do have other options. "There are non-employer-sponsored retirement accounts, such as municipal bonds, Roth IRAs and annuities -- both variable and fixed," says Reilly. A trusted financial adviser can tell you if a cash-value insurance policy would make sense for your situation. If you've maxed out all of your retirement-saving options, it may be a possibility. ------------------------------- You shall save 401K Investment Portfolio Retirement planning takes time. It takes a number of years to save a substantial sum and even more for the magic of compounding to become apparent. Don't wait to begin saving for retirement. Save what you can now instead of waiting until you strike it rich or are magically motivated to learn about investing. "Put $50 a month into a 401(k) plan. That is better than doing nothing; it adds up," says Herbert Hopwood, president of Hopwood Financial Services in Great Falls, Va. Retirement planning is not all or nothing. It's a process. The sooner you start, the less you have to save in the long run. Aggressive investing can amplify your savings, but it's not a miracle. ---------------------------------- You shall take on an appropriate amount of risk Investing for retirement is a long-term proposition. That means investors can take on more risk as their investments have a longer period of time to recover from any market volatility. But, even with 40 years or more to invest, not everyone is comfortable watching the value of their retirement account go up and down. Investing conservatively is not without risk either. Giving up the possibility of higher returns is an opportunity cost that could result in less money at retirement. As there's only a finite amount of time and money for most people, meeting retirement goals may require compromise. "If somebody is going to run their plan out at 4.5 percent and it shows they're on pace to get 70 percent of their retirement objective, then they need to either save more money, work longer or retire on less," -------------------------- You shall set goals To stay on track for retirement, set goals within your financial plan. "As you're putting money away, it's hard to say I want my money to grow by 'X' amount because you don't know what the market is going to do," says Kuhn. "But you can take it in five-year increments -- in five years I'd like it to be worth 'X,' in another five years I'd like it to be this." Monitoring annual returns will let you know if your investments meet the overarching goals laid out in the financial plan. "If their financial plan says they need a 5 percent return, they have no business being in something that is going to give them the chance for 30 percent returns," "Maybe a portion, but they need to monitor their portfolio to make sure it is on pace to their financial plan," he says. "The market is not the barometer. Their plan is the barometer. Are they consistently staying on pace with their financial goals on an after-tax basis?" ---------------------- You shall insure your ability to make money Going through the retirement-planning process can become moot if catastrophe interrupts your ability to make, and therefore save, money. "Insure your life and your ability to earn a living through disability," The amount you'll pay for insurance will be based on your age, occupation and income, but you can buy as much or as little insurance as your budget will allow. "If you have a budget, you'll know how much you can set aside. Whatever that buys you, it's better than not having anything at all," --------------- Use Roth IRA as your backup emergency fund If you want to put as much money as possible into retirement but need a solid emergency fund in case of job loss, your Roth IRA could do double duty. An often-forgotten benefit of the Roth IRA is that you can withdraw from your own contributions any time, without a tax or penalty. You paid tax on that money before it went into your IRA so there's no additional tax or penalty to withdraw it, says Jean Keener, a Chartered Retirement Planning Counselor in Keller, Texas. First, it's still smart to have some cash readily available in a savings account for small emergencies, like a roof leak or unexpected car repair, suggests Keener. After that, consider parking additional rainy-day money in your Roth IRA to let that money grow tax-free for retirement as well as play a supporting role as a backup emergency fund. "If you plan to use your Roth as part of your emergency fund, you would invest it differently than money for retirement," says Keener. "It should be in safe investment vehicles like money market funds, CDs and short-term bonds so you won't suffer investment losses if you need to tap the money when the market is down." You don't need a separate Roth for your emergency funds, consider them a separate "bucket" within your larger Roth account, says Keener. Here are some caveats to follow when using a Roth IRA as an emergency fund: Leave Roth earnings alone Withdrawing contributions is simple, but withdrawing Roth earnings -- dividends and capital gains -- is trickier. Avoid doing so if you can or check with your tax professional first. You would have to request the withdrawal through your brokerage, bank or mutual fund, and the firm will know whether you are eating into earnings, Keener says. Why does it matter? If you withdraw earnings without doing what the IRS considers a "qualified distribution," you will pay a 10 percent tax penalty plus regular income taxes on the money, says Keener. Depending on your tax bracket, you could immediately give up almost half of that money to the IRS in taxes and penalties. You may have heard of a "five-year rule" regarding Roth earnings. In short, after five years of opening a Roth, you can withdraw earnings tax-free if you meet any of nine "special case" criteria, including these common ones: You are at least 59½ years old. The distribution is due to death or disability. The distribution is made to a qualified first-time homebuyer (the funds must be used within 120 days of withdrawal). Converted Roth IRAs are different from regular Roths You can't withdraw contributions from a converted Roth any time without a penalty as you can with a regular Roth. Instead, you must wait five years. As such, it's better to use a regular Roth for your backup emergency fund, says Keener. Use Roth withdrawals for true emergencies Don't be tempted to dip into your Roth for vacations or other nonessentials. For one thing, you can't simply "return" the money later. Any money you put back into your Roth is considered part of your allowed contribution for that particular year. "For example, if you're allowed to contribute $5,000 a year to your Roth, you can't put in $5,000 plus another $2,000 that you withdrew at an earlier date," says Keener. "Your maximum contribution is still $5,000 a year." Perhaps more important, when you withdraw money from your Roth, you lose the benefit of having the money grow tax-free over many years. And that's why you opened your Roth in the first place. |
INVESTMENT: MAKE YOURSELF RICHER BY
INVESTING THE RIGHT WAY IN THE RIGHT
PRODUCTS. REAL ESTATE INVESTMENTS
CAN HELP
STOCK MARKET: STOCK MARKET A WAY TO
INVEST AND MULTIPLY YOUR PROFITS.
THESE INDUSTRIES HAS THOUSANDS OF
COMPANIES TO BUY STOCKS FROM.
MUTUAL FUNDS: MUTUAL FUNDS A
WONDERFUL WAY TO INVEST YOUR
MONEY. Buying and Selling mutual funds
You can buy some mutual funds (no-load) by
contacting the fund companies directly. Other
funds are sold through brokers, banks,
financial planners, or insurance agents.
BOND FUNDS: INVESTING IN THE BONDS
MARKET. WHAT ARE BONDS?
Have you ever borrowed money? Of course
you have! Whether we hit our parents up for
a few bucks to buy candy as children or
asked the bank for a mortgage, most of us
have borrowed money at some point in our
lives.
FOREX MARKET: THE LARGEST MARKET IN
THE WORLD TO INVEST AND GET RICHER IF
YOU USE THE RIGHT TOOL.
FOREIGN EXCHANGE-(forex or FX for short)
is one of the most exciting, fast-paced
markets around. Until recently, trading in the
forex market had been the domain of large
financial institutions, corporations, central
banks, hedge funds and extremely wealthy
individuals. The emergence of the internet
has changed all of this, and now it is
possible for average investors to buy and
sell currencies easily with the click of a
mouse.
TAX CERTIFICATES: TAX CERTIFICATE / TAX
DEED: A BETTER WAY TO INVEST MONEY
AND GET RICHER.
TAX LIENS: How Can You Safely Earn 18% to
240% Per Year On Your Investments? Yes
you can... By investing in Government
Issued Tax Liens, Tax deed
REITs: REIT: Real Estate Investment Trust. A
GREAT WAY TO INVEST IN REAL ESTATE
WITHOUT TAKING A MORTGAGE LOAN
COMMERCIAL INVESTMENT. ALL THAT CAN
HELP! COMMERCIAL REAL ESTATE; A
BETTER WAY TO INVEST AND GET RICHER!
MULTI-WAYS TO WIN BIG IN
REAL ESTATE. WHAT IS COMMERCIAL REAL
ESTATE?
FINANCIAL REPORT: HOW TO GET A
MORTGAGE HOME LOAN? Securing a home
loan is the most important step in the home-
buying process. Here are the basics for
getting your financing.
HOW TO GET PRE-QUALIFY FOR A HOME
LOAN? 8 Fundamental Reasons to Get Pre-
Approved for a Home Loan!
The first and most important step in buying a
home is getting pre-qualified for a home loan.
BY GETTING PREQUALIFIED, YOU
IMMEDIATELY FIND YOURSELF IN A
STRONGER NEGOTIATION POSITION.
YOU MADE YOURSELF MORE ATTRACTIVE
TO SELLERS.
IDENTITY THEFT: WATCH OUT, STOP IT FROM
HAPPENING, GET THE TOOLS YOU NEED TO
PREVENT IT RIGHT HERE! AT KNOWLEDGE
FINANCIAL.COM
CREDIT HELP: Use Your Credit Clout: Credit
Laws That are on Your Side; Understanding
Your Debt Collection Rights
CREDIT INFO: SAVE YOUR CREDIT, RESCUE
IT, PROTECT IT, INCREASE YOUR SCORE. WE
HAVE VALUABLE INFORMATION TO HELP
YOU
CREDIT CARDS: The American Credit Cards
are very important to have; but credit cards
represent a danger for those who may not
have the discipline, order or those who don't
think what a plastic card can do for them or
to them! The borrowers are the slaves of the
lenders. Credit cards issuers are monsters
the can eat the average consumers alive.
CREDIT RATING: THE IMPORTANCE OF YOUR
CREDIT RATING! Credit Card Fraud: 21 Tips to
Protect Yourself. More about your credit
Score. Companies base your credit scores
on five categories
ID-THEFT: HOW TO PROTECT AND DEFEND
YOURSELF AGAINST IDENTITY THEFT? -----
DETER, DETECT AND DEFEND?
TAX SAVING TIPS FOR INDIVIDUAL
INVESTOR, GREAT INFORMATION FOR ALL.
Taxes The More You Know, the Less You’ll
Pay
Business structures 101
LLP, LLC, S-corp and C-corp: It's not just
alphabet soup! A breakdown of what you
need to know, in layman's terms.
what are you doing with your money in the
wake of the financial crisis?
Where is the safe place to put MONEY?
INVESTING THE RIGHT WAY IN THE RIGHT
PRODUCTS. REAL ESTATE INVESTMENTS
CAN HELP
STOCK MARKET: STOCK MARKET A WAY TO
INVEST AND MULTIPLY YOUR PROFITS.
THESE INDUSTRIES HAS THOUSANDS OF
COMPANIES TO BUY STOCKS FROM.
MUTUAL FUNDS: MUTUAL FUNDS A
WONDERFUL WAY TO INVEST YOUR
MONEY. Buying and Selling mutual funds
You can buy some mutual funds (no-load) by
contacting the fund companies directly. Other
funds are sold through brokers, banks,
financial planners, or insurance agents.
BOND FUNDS: INVESTING IN THE BONDS
MARKET. WHAT ARE BONDS?
Have you ever borrowed money? Of course
you have! Whether we hit our parents up for
a few bucks to buy candy as children or
asked the bank for a mortgage, most of us
have borrowed money at some point in our
lives.
FOREX MARKET: THE LARGEST MARKET IN
THE WORLD TO INVEST AND GET RICHER IF
YOU USE THE RIGHT TOOL.
FOREIGN EXCHANGE-(forex or FX for short)
is one of the most exciting, fast-paced
markets around. Until recently, trading in the
forex market had been the domain of large
financial institutions, corporations, central
banks, hedge funds and extremely wealthy
individuals. The emergence of the internet
has changed all of this, and now it is
possible for average investors to buy and
sell currencies easily with the click of a
mouse.
TAX CERTIFICATES: TAX CERTIFICATE / TAX
DEED: A BETTER WAY TO INVEST MONEY
AND GET RICHER.
TAX LIENS: How Can You Safely Earn 18% to
240% Per Year On Your Investments? Yes
you can... By investing in Government
Issued Tax Liens, Tax deed
REITs: REIT: Real Estate Investment Trust. A
GREAT WAY TO INVEST IN REAL ESTATE
WITHOUT TAKING A MORTGAGE LOAN
COMMERCIAL INVESTMENT. ALL THAT CAN
HELP! COMMERCIAL REAL ESTATE; A
BETTER WAY TO INVEST AND GET RICHER!
MULTI-WAYS TO WIN BIG IN
REAL ESTATE. WHAT IS COMMERCIAL REAL
ESTATE?
FINANCIAL REPORT: HOW TO GET A
MORTGAGE HOME LOAN? Securing a home
loan is the most important step in the home-
buying process. Here are the basics for
getting your financing.
HOW TO GET PRE-QUALIFY FOR A HOME
LOAN? 8 Fundamental Reasons to Get Pre-
Approved for a Home Loan!
The first and most important step in buying a
home is getting pre-qualified for a home loan.
BY GETTING PREQUALIFIED, YOU
IMMEDIATELY FIND YOURSELF IN A
STRONGER NEGOTIATION POSITION.
YOU MADE YOURSELF MORE ATTRACTIVE
TO SELLERS.
IDENTITY THEFT: WATCH OUT, STOP IT FROM
HAPPENING, GET THE TOOLS YOU NEED TO
PREVENT IT RIGHT HERE! AT KNOWLEDGE
FINANCIAL.COM
CREDIT HELP: Use Your Credit Clout: Credit
Laws That are on Your Side; Understanding
Your Debt Collection Rights
CREDIT INFO: SAVE YOUR CREDIT, RESCUE
IT, PROTECT IT, INCREASE YOUR SCORE. WE
HAVE VALUABLE INFORMATION TO HELP
YOU
CREDIT CARDS: The American Credit Cards
are very important to have; but credit cards
represent a danger for those who may not
have the discipline, order or those who don't
think what a plastic card can do for them or
to them! The borrowers are the slaves of the
lenders. Credit cards issuers are monsters
the can eat the average consumers alive.
CREDIT RATING: THE IMPORTANCE OF YOUR
CREDIT RATING! Credit Card Fraud: 21 Tips to
Protect Yourself. More about your credit
Score. Companies base your credit scores
on five categories
ID-THEFT: HOW TO PROTECT AND DEFEND
YOURSELF AGAINST IDENTITY THEFT? -----
DETER, DETECT AND DEFEND?
TAX SAVING TIPS FOR INDIVIDUAL
INVESTOR, GREAT INFORMATION FOR ALL.
Taxes The More You Know, the Less You’ll
Pay
Business structures 101
LLP, LLC, S-corp and C-corp: It's not just
alphabet soup! A breakdown of what you
need to know, in layman's terms.
what are you doing with your money in the
wake of the financial crisis?
Where is the safe place to put MONEY?
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Retirement --
Pay yourself first. Transferring money into your
savings right away is a great trick to keep yourself
from spending money you could be investing and
growing. Schedule the money to move to your
savings the day your paycheck hits your checking
account.
If you want to take this up a notch, talk to your
accounting department to see if they can deposit
the check directly into your savings account, and
then you can transfer a set amount to your
checking account each payment cycle. The
difference is subtle, but the more complicated it is
to spend money, the less you will end up spending.
Set up a payroll deduction to your 401(k). One of
the best features of a 401(k) is that deposits are
automatically taken out of each paycheck. The fact
that you don't even get to touch the money is one of
the best ways to save, because if you don't see it,
you can't use it.
Use a Roth IRA instead of a traditional IRA. One of
the advantages of a Roth IRA versus a traditional
IRA is that money in the Roth is already taxed.
Therefore, all the money you deposit in a Roth IRA
will be available for spending in retirement. This
isn't the case with a traditional IRA. Many people
forget that their retirement assets in traditional
IRAs and 401(k)s will be taxed as regular income
before they can touch it.
Pay off your mortgage early by sending extra
payment. When you receive a big tax refund,
bonus, or other windfall of cash, should you make
extra mortgage payments or invest this windfall of
cash?
Retirement --
Pay yourself first. Transferring money into your
savings right away is a great trick to keep yourself
from spending money you could be investing and
growing. Schedule the money to move to your
savings the day your paycheck hits your checking
account.
If you want to take this up a notch, talk to your
accounting department to see if they can deposit
the check directly into your savings account, and
then you can transfer a set amount to your
checking account each payment cycle. The
difference is subtle, but the more complicated it is
to spend money, the less you will end up spending.
Set up a payroll deduction to your 401(k). One of
the best features of a 401(k) is that deposits are
automatically taken out of each paycheck. The fact
that you don't even get to touch the money is one of
the best ways to save, because if you don't see it,
you can't use it.
Use a Roth IRA instead of a traditional IRA. One of
the advantages of a Roth IRA versus a traditional
IRA is that money in the Roth is already taxed.
Therefore, all the money you deposit in a Roth IRA
will be available for spending in retirement. This
isn't the case with a traditional IRA. Many people
forget that their retirement assets in traditional
IRAs and 401(k)s will be taxed as regular income
before they can touch it.
Pay off your mortgage early by sending extra
payment. When you receive a big tax refund,
bonus, or other windfall of cash, should you make
extra mortgage payments or invest this windfall of
cash?
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''IRA'S Individual Retirement Account
An individual retirement arrangement (IRA) is the
blanket term for a form of retirement plan that
provides tax advantages for retirement savings in
the United States. — a trust or custodial account
set up for the exclusive benefit of taxpayers or their
beneficiaries —
IRA's-Individual retirement
arrangements were introduced in 1974
with the enactment of the Employee Retirement
Income Security Act (ERISA).
The Economic Recovery Tax Act
(ERTA) allowed all taxpayers under the age of
70½ to contribute to an IRA, regardless of their
coverage under a qualified plan.
•Roth IRA - contributions are made with after-
tax assets, all transactions within the IRA have no
tax impact, and withdrawals are usually tax-free.
Named for Senator William V. Roth, Jr.. The Roth
IRA was introduced as part of the Taxpayer Relief
Act of 1997.
•
•Traditional IRA - contributions are often tax-
deductible (often simplified as "money is deposited
before tax" or "contributions are made with pre-tax
assets"), all transactions and earnings within the
IRA have no tax impact, and withdrawals at
retirement are taxed as income (except for those
portions of the withdrawal corresponding to
contributions that were not deducted). Depending
upon the nature of the contribution, a traditional IRA
may be referred to as a "deductible IRA" or a "non-
deductible IRA."
•
•SEP IRA - a provision that allows an employer
(typically a small business or self-employed
individual) to make retirement plan contributions
into a Traditional IRA established in the employee's
name, instead of to a pension fund in the company's
name.
•
•SIMPLE IRA - a simplified employee pension
plan that allows both employer and employee
contributions, similar to a 401(k) plan, but with
lower contribution limits and simpler (and thus less
costly) administration.
•Although it is termed an IRA, it is treated separately.
•Self-Directed IRA - a self-directed IRA that
permits the account holder to make investments on
behalf of the retirement plan '-
An individual retirement arrangement (IRA) is the
blanket term for a form of retirement plan that
provides tax advantages for retirement savings in
the United States. — a trust or custodial account
set up for the exclusive benefit of taxpayers or their
beneficiaries —
IRA's-Individual retirement
arrangements were introduced in 1974
with the enactment of the Employee Retirement
Income Security Act (ERISA).
The Economic Recovery Tax Act
(ERTA) allowed all taxpayers under the age of
70½ to contribute to an IRA, regardless of their
coverage under a qualified plan.
•Roth IRA - contributions are made with after-
tax assets, all transactions within the IRA have no
tax impact, and withdrawals are usually tax-free.
Named for Senator William V. Roth, Jr.. The Roth
IRA was introduced as part of the Taxpayer Relief
Act of 1997.
•
•Traditional IRA - contributions are often tax-
deductible (often simplified as "money is deposited
before tax" or "contributions are made with pre-tax
assets"), all transactions and earnings within the
IRA have no tax impact, and withdrawals at
retirement are taxed as income (except for those
portions of the withdrawal corresponding to
contributions that were not deducted). Depending
upon the nature of the contribution, a traditional IRA
may be referred to as a "deductible IRA" or a "non-
deductible IRA."
•
•SEP IRA - a provision that allows an employer
(typically a small business or self-employed
individual) to make retirement plan contributions
into a Traditional IRA established in the employee's
name, instead of to a pension fund in the company's
name.
•
•SIMPLE IRA - a simplified employee pension
plan that allows both employer and employee
contributions, similar to a 401(k) plan, but with
lower contribution limits and simpler (and thus less
costly) administration.
•Although it is termed an IRA, it is treated separately.
•Self-Directed IRA - a self-directed IRA that
permits the account holder to make investments on
behalf of the retirement plan '-
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''AMERICAN BANKING SYSTEM: BANKING
HISTORY; GREAT THINGS TO KNOW ABOUT THE
AMERICAN BANKING HISTORY
BANKING AND FINANCE, COMMERCIAL BANKING:
The fundamental functions of a commercial bank
during the past two centuries
SAVING: THE SECRETS OF SAVING; WAYS TO SAVE
A LOT OF MONEY AND GETTING RICHER. 66 WAYS
TO SAVE MONEY
MONEY MANAGEMENT: Ten Resolutions to Make
Your Financial Life Easier. 10 Ways to Avoid
Overdraft and Bounced Check Fees
''INDEX FUNDS -What You Need to Know About
Trading and Investing in Leveraged ETFs. What
Does Index Fund Mean?-
''MONEY: '45 Ways to Improve Your Finances This
Year.
Whether you want to ramp up your earning power,
finally start a retirement savings account.
--
'' Market Advice Plus The Definition Of The
Financial Terms:
''Financial Freedom Strategies Methods And
techniques to win. Financial Freedom,the ways to
obtain, Look for them, find them and take action!
Path to financial independence
'' RETIREMENT: SOCIAL SECURITY; THE ULTIMATE
RETIREMENT GUIDE. HOW DOES
SOCIAL SECURITY WORK? Does someone can
depend only on Social Security check?
''SAVING MONEY: THE SECRETS OF SAVING; WAYS
TO SAVE A LOT OF MONEY AND GETTING RICHER
'' RULES OF SUCCESS, RULES OF MONEY: THE
RULES OF SUCCESS-The rules of money have
changed and it’s time for you to get smart with
your money! --
THE 16 DAYS THAT SHOOCK THE US ECONOMY IN
SEPTEMBER, 2008. A shocking series of events
that forever changed the financial markets.
AMERICA’S MONEY CRISIS / Bailout 101: What new
law says. Here's a rundown of key provisions of
the financial rescue plan that United State Senate
voted, Wednesday October 1; and the house voted
Friday October 3, 2008.
FORTUNE, CREATION AND INTRODUCTION: When
you invest in stock, you buy ownership shares in a
company. Before You Invest; Before undertaking
any investment program, it is critical that you
assess your current situation and form goals.
Evaluating a Stock, Creating an Emergency Fund
Trust Account: Definition of a Trust; Land Trust,
Living Trust, Revocable Trust. In general, a "trust"
is a legal entity that is able to own property and
other assets. --
Knowledge Research Invention And Discovery.
Saving and Investing - Financial Knowledge,
Financial Literacy, Financial Education And
Resources For All. --
''AMERICAN BANKING SYSTEM: BANKING
HISTORY; GREAT THINGS TO KNOW ABOUT THE
AMERICAN BANKING HISTORY
BANKING AND FINANCE, COMMERCIAL BANKING:
The fundamental functions of a commercial bank
during the past two centuries
SAVING: THE SECRETS OF SAVING; WAYS TO SAVE
A LOT OF MONEY AND GETTING RICHER. 66 WAYS
TO SAVE MONEY
MONEY MANAGEMENT: Ten Resolutions to Make
Your Financial Life Easier. 10 Ways to Avoid
Overdraft and Bounced Check Fees
''INDEX FUNDS -What You Need to Know About
Trading and Investing in Leveraged ETFs. What
Does Index Fund Mean?-
''MONEY: '45 Ways to Improve Your Finances This
Year.
Whether you want to ramp up your earning power,
finally start a retirement savings account.
--
'' Market Advice Plus The Definition Of The
Financial Terms:
''Financial Freedom Strategies Methods And
techniques to win. Financial Freedom,the ways to
obtain, Look for them, find them and take action!
Path to financial independence
'' RETIREMENT: SOCIAL SECURITY; THE ULTIMATE
RETIREMENT GUIDE. HOW DOES
SOCIAL SECURITY WORK? Does someone can
depend only on Social Security check?
''SAVING MONEY: THE SECRETS OF SAVING; WAYS
TO SAVE A LOT OF MONEY AND GETTING RICHER
'' RULES OF SUCCESS, RULES OF MONEY: THE
RULES OF SUCCESS-The rules of money have
changed and it’s time for you to get smart with
your money! --
THE 16 DAYS THAT SHOOCK THE US ECONOMY IN
SEPTEMBER, 2008. A shocking series of events
that forever changed the financial markets.
AMERICA’S MONEY CRISIS / Bailout 101: What new
law says. Here's a rundown of key provisions of
the financial rescue plan that United State Senate
voted, Wednesday October 1; and the house voted
Friday October 3, 2008.
FORTUNE, CREATION AND INTRODUCTION: When
you invest in stock, you buy ownership shares in a
company. Before You Invest; Before undertaking
any investment program, it is critical that you
assess your current situation and form goals.
Evaluating a Stock, Creating an Emergency Fund
Trust Account: Definition of a Trust; Land Trust,
Living Trust, Revocable Trust. In general, a "trust"
is a legal entity that is able to own property and
other assets. --
..Personal Finance // Financial Freedom // Financial Knowledge..
.. Financial Aid // Financial News // Financial Report // Financial System..
..Financial Help // Financial Solution // Fortune 101 // Government Help..
..Financial Education // Financial Literacy //
---------------------------
.. Insurance Info // IRA-Induvidual Retirement Account //
.. Term Insurance // Roth IRA // Estate Planning // Pension Plans //
.. Social Security // Life Insurance // Living Trust..
.. Annuity Insurance Investment Plan // Health care Insurance //
.. Insurance 101 // Government Money..
.. Financial Aid // Financial News // Financial Report // Financial System..
..Financial Help // Financial Solution // Fortune 101 // Government Help..
..Financial Education // Financial Literacy //
---------------------------
.. Insurance Info // IRA-Induvidual Retirement Account //
.. Term Insurance // Roth IRA // Estate Planning // Pension Plans //
.. Social Security // Life Insurance // Living Trust..
.. Annuity Insurance Investment Plan // Health care Insurance //
.. Insurance 101 // Government Money..
| 'Rollover Account / / Retirement Plan // Life Insurance / / IRA/Roth IRA // Estate Planning // Annuity / / Trust Account / / Pension Plan // Living Trust // Buyheremarket |
| 401(k) Plans - How does it work? One of the most popular company-sponsored retirement plans, a 401(k) is funded with employees’ before-tax contributions and, if applicable, the employer’s matching contributions. Employees can usually choose to invest in a variety of mutual funds matching their goals and risk tolerance. Any growth in the plan is tax-deferred until the funds are withdrawn. Knowledge financial group Profit Sharing Plans - What is that? A Profit Sharing Plan allows an employer to share a portion of the company’s profit with employees. Contributions to Profit Sharing Plans are made solely by the employer and the percentage of sharing is decided by the company. This type of plan is a great way to promote a sense of ownership and increase motivation in employees. SIMPLE Plans -What is it? SIMPLE stands for Saving Incentive Match Plan for Employees. Similar to a 401(k), this type of plan can be used by people who are self-employed or employers with fewer than 100 employees. The employer may choose to make matching contributions, which are tax deductible. Knowledge financial group Money Purchase Pension Plans A Money Purchase Pension Plan requires fixed annual contributions from the employer into an employee’s individual account. The employer may contribute up to 25% of the employee’s compensation. SEP Plans - What it is? SEP stands for Simplified Employee Pension. Commonly opened by small businesses, this type of plan acts as a group of IRAs. A SEP plan allows employers to make contributions to their own IRAs and to IRAs that their employees set up and control. The employer is allowed a tax deduction for contributions. |
// Self Directed IRA // Retirement Planning // Rollover Account // Social Security // Life Insurance // IRA/Roth
IRA = //
Self-Directed IRA = // // Estate Planning // Annuity // Trust Account // Pension Plan // Living Trust // Financial
Planning //
- Personal Finance // = Affirmative Action - // - Terminsurance // = Custodial Account - // Inurancequote = //
IRA = //
Self-Directed IRA = // // Estate Planning // Annuity // Trust Account // Pension Plan // Living Trust // Financial
Planning //
- Personal Finance // = Affirmative Action - // - Terminsurance // = Custodial Account - // Inurancequote = //
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| ..!..Insurance General Information: Ways to Make Money & Save Money on Your Insurance. Learn More... ..Term Insurance Advantages, Term Insurance General Knowledge. Buy the Term, and invest the difference. Learn More... ..Life Insurance Quote. Find out if You Pay too much for Your Insurance, Or Check How Much You Can Pay For a Life Insurance... ..Investment Products: Investing & Money Management Basics. FINANCIAL SOLUTIONS, TOOLS & RESOURCES. LEARN MORE... Insurance Products: How to make profits with the insurance companies? Learn More... |
// Retirement Planning // Rollover Account // Social Security // Life Insurance // IRA/Roth IRA
// Estate Planning // Annuity // Trust Account // Pension Plan // Living Trust // Financial Planning //
- Personal Finance // = Affirmative Action - // - Terminsurance // = Custodial Account - //
Inurancequote = // Self-Directed IRA = //
// Estate Planning // Annuity // Trust Account // Pension Plan // Living Trust // Financial Planning //
- Personal Finance // = Affirmative Action - // - Terminsurance // = Custodial Account - //
Inurancequote = // Self-Directed IRA = //
Personal Finance: Where are the safe places to put your money in time of financial crises, economic turmoil?
---------------
Finance: Fixed Income Security Investment: Types Of Fixed Income Investments..
---------------
Preferred Stocks vs. Common Stocks. = // Types of Preferred Stocks... Why Do Companies Issue
Preferred Stock? = LEARN MORE HERE...
--------------
'' How the Fed Keeps Track of Our Money Supply? // INVESTMENT'S SECRETS REVEALED, THE
ABC's OF INVESTMENTS...
-------------------
Femkonsa Capital: Best Index Funds vs Best ETF"s = Exchange Traded Funds.
LEARN MORE HERE...
-------------------
Millionaire Portfolio: Passive Income - Residual Income - Earned Income - Portfolio Income. HERE ARE
MUCH MORE... = Research & Learning -/
-----------------
Dividend Stocks: List Of Dividend Paying Companies. Quarterly monthly cash-flow = Return On Investment...
LEARN MUCH MORE HERE...
-----------------
Knowledge Center: 101 Ways to Make Money Online We often recommend earning some extra income on the
side .
---------------
Entrepreneur: Business Ideas And Opportunities.
---------------
Economic: Different Types Of Market To Invest in...
--------------
Freeknowledge: Things to Know About Government Bonds & Municipal Bonds...
-------------
Resource Center: Different ways to protect your money…
What to do when we have a market panic, or economic uncertainty...
Last Will And Testament...
What Not to Include When Making a Will...
Ways to Avoid Probate... LEARN MORE HERE...
---------------
Finance: Fixed Income Security Investment: Types Of Fixed Income Investments..
---------------
Preferred Stocks vs. Common Stocks. = // Types of Preferred Stocks... Why Do Companies Issue
Preferred Stock? = LEARN MORE HERE...
--------------
'' How the Fed Keeps Track of Our Money Supply? // INVESTMENT'S SECRETS REVEALED, THE
ABC's OF INVESTMENTS...
-------------------
Femkonsa Capital: Best Index Funds vs Best ETF"s = Exchange Traded Funds.
LEARN MORE HERE...
-------------------
Millionaire Portfolio: Passive Income - Residual Income - Earned Income - Portfolio Income. HERE ARE
MUCH MORE... = Research & Learning -/
-----------------
Dividend Stocks: List Of Dividend Paying Companies. Quarterly monthly cash-flow = Return On Investment...
LEARN MUCH MORE HERE...
-----------------
Knowledge Center: 101 Ways to Make Money Online We often recommend earning some extra income on the
side .
---------------
Entrepreneur: Business Ideas And Opportunities.
---------------
Economic: Different Types Of Market To Invest in...
--------------
Freeknowledge: Things to Know About Government Bonds & Municipal Bonds...
-------------
Resource Center: Different ways to protect your money…
What to do when we have a market panic, or economic uncertainty...
Last Will And Testament...
What Not to Include When Making a Will...
Ways to Avoid Probate... LEARN MORE HERE...