PENSION PLANS
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KNWOELDGEFINANCIALGROUP.COM
Why is a 401(k) such a good deal?
Two main reasons: You get tax breaks, plus - in some cases - a bonus from
the boss, known as a matching contribution.
First of all, money you deduct from your paycheck and invest in a defined
contribution plan is pretax money. That means it's taken out of your paycheck
before your income taxes are calculated. (This is not the case with Roth plans,
which work differently. For more, see How is a Roth 401(k) different?) That
means that your contributions effectively lower the amount of income you get
taxed on.
Second, as long as your money stays in the plan, you won't pay a penny in tax
on your investment returns. All the money you invest compounds year after
year without any tax bill from Uncle Sam - at least until you're ready to retire
What if I leave my job?
You have up to four options:
1. Move the money into an IRA rollover account at a mutual fund company or
discount brokerage. This is typically the smartest move. Your money continues
to grow tax-deferred, but you are no longer limited to the investment choices
within your old plan. The fund company or brokerage that will administer your
new account can provide a rollover application. Make sure you choose "direct
rollover" as the method for moving the money from your old employer into your
new rollover IRA. In a direct rollover, your old employer writes a check directly
to the fund company or brokerage firm that administers the IRA. If the check is
made out to you, your old company must withhold a portion of your money for
taxes.
2. Move the money into your new employer's plan. Check with your new
company: Not all defined contribution plans allow this move.
3. Leave the money right where it is. Your former employer may not allow you
to stay in the plan if your account balance is less than $5,000, however. And
because you're no longer an employee, you may miss out on important
information about plan changes and investment options.
4. Cash out and take
Two main reasons: You get tax breaks, plus - in some cases - a bonus from
the boss, known as a matching contribution.
First of all, money you deduct from your paycheck and invest in a defined
contribution plan is pretax money. That means it's taken out of your paycheck
before your income taxes are calculated. (This is not the case with Roth plans,
which work differently. For more, see How is a Roth 401(k) different?) That
means that your contributions effectively lower the amount of income you get
taxed on.
Second, as long as your money stays in the plan, you won't pay a penny in tax
on your investment returns. All the money you invest compounds year after
year without any tax bill from Uncle Sam - at least until you're ready to retire
What if I leave my job?
You have up to four options:
1. Move the money into an IRA rollover account at a mutual fund company or
discount brokerage. This is typically the smartest move. Your money continues
to grow tax-deferred, but you are no longer limited to the investment choices
within your old plan. The fund company or brokerage that will administer your
new account can provide a rollover application. Make sure you choose "direct
rollover" as the method for moving the money from your old employer into your
new rollover IRA. In a direct rollover, your old employer writes a check directly
to the fund company or brokerage firm that administers the IRA. If the check is
made out to you, your old company must withhold a portion of your money for
taxes.
2. Move the money into your new employer's plan. Check with your new
company: Not all defined contribution plans allow this move.
3. Leave the money right where it is. Your former employer may not allow you
to stay in the plan if your account balance is less than $5,000, however. And
because you're no longer an employee, you may miss out on important
information about plan changes and investment options.
4. Cash out and take
THE ULTIMATE RETIREMENT GUIDE; HOW TO RETIRE EARLY AND RETIRE REACH.
WHAT ARE 401K, ROTH 401K, INDIVIDUAL 401K, 403B, 457 PLAN, THRIFT SAVINGS PLAN.
What is a SEP IRA? What is a SIMPLE IRA? --- SEE BELOW! What is a cash-balance plan?
WHAT ARE 401K, ROTH 401K, INDIVIDUAL 401K, 403B, 457 PLAN, THRIFT SAVINGS PLAN.
What is a SEP IRA? What is a SIMPLE IRA? --- SEE BELOW! What is a cash-balance plan?
How does a 401(k) plan work?
A 401(k) plan is a retirement plan offered to you through your employer. 401(k)s are the most
common kind of defined contribution retirement plan.
Here's how it works: You decide how much you want to contribute, and your employer puts the
money into your individual account on your behalf. The investment happens through payroll
deduction: You decide what percentage of your salary you'd like to contribute and, from then on,
that amount comes straight out of your paycheck and goes into your account automatically,
without you having to lift a finger. Your paycheck will be smaller as a result - though not as small
as you might think, thanks to the tax benefits involved.
Your company serves as the "plan sponsor" for the 401(k), but it doesn't have anything to do with
investing the money. Instead, the plan sponsor hires another company to administer the plan and
its investments. The plan administrator may be a mutual fund company (such as Fidelity,
Vanguard or T. Rowe Price), a brokerage firm (such as Schwab or Merrill Lynch) or even an
insurance company (such as Prudential or MetLife).
Your employer sends your payroll deductions directly to the company managing your plan. But you
are responsible for deciding how to invest your money among the options offered by your plan.
Typically, a 401(k) offers five or more mutual funds that invest in various sectors of the financial
markets. Some 401(k) plans also offer shares of your employer's stock.
ROTH 401K ANDINDIVIDUAL 401K
A Roth 401(k) is a relatively new option that some employers offer along with a traditional 401(k).
It's basically the opposite of a traditional 401(k) plan - meaning you pay the taxes on your
contributions, but not your withdrawals. So while you do have to fund it with after-tax dollars, the
money grows tax free and you won't have to pay income tax on any money you take out.
What's more, you don't have to make required minimum withdrawals (RMDs) from a Roth 401(k)
after you turn 70 ½, as you do with a traditional 401(k). You can leave your money to grow tax-free
for decades after you reach retirement. The lack of RMDs makes Roth 401(k)s handy
estate-planning tools for some families.
If your employer offers both types of plans, you can divide your savings among them - they will
have the same investment options - but your combined annual contributions cannot exceed
$15,500 in 2008 ($20,500 for people 50 or older).
What is an Individual 401(k)?
The Individual 401(k) is an especially good choice if you are scrambling to build up your
retirement savings and can afford to sock away a considerable portion of your earnings. The
generous contribution formula lets you put aside more money at a lower income level than you
can with a SEP IRA.
As an employee, you can stash away as much as $15,500. As the boss, you can contribute an
additional 25% of compensation, up to a maximum of $46,000, including your employee
contribution. These contributions are discretionary, so you can save the maximum in flush years
and nothing in tougher times.
If you and your spouse are both in the plan and enjoy a banner year, you could save a total of
$92,000. And if you are both 50 or older and eligible for catch-up contributions of $5,000 each, the
total climbs past $100,000.
It's also possible to take out a loan against an individual 401(k). That can be useful if you need
funds during a business crunch. You can borrow half the account's balance, up to $50,000, and
typically take up to five years to pay it back (provider rules vary). That said, borrowing from a
retirement plan should be a last resort, since it could seriously undermine your long-term goals.
Individual 401(k)s come with a bit of bureaucratic hassle. Once your balance exceeds a certain
level - $250,000 in 2008 - you have to fill out an IRS form every year, which adds a bit to your
accountant's bill.
A 401(k) plan is a retirement plan offered to you through your employer. 401(k)s are the most
common kind of defined contribution retirement plan.
Here's how it works: You decide how much you want to contribute, and your employer puts the
money into your individual account on your behalf. The investment happens through payroll
deduction: You decide what percentage of your salary you'd like to contribute and, from then on,
that amount comes straight out of your paycheck and goes into your account automatically,
without you having to lift a finger. Your paycheck will be smaller as a result - though not as small
as you might think, thanks to the tax benefits involved.
Your company serves as the "plan sponsor" for the 401(k), but it doesn't have anything to do with
investing the money. Instead, the plan sponsor hires another company to administer the plan and
its investments. The plan administrator may be a mutual fund company (such as Fidelity,
Vanguard or T. Rowe Price), a brokerage firm (such as Schwab or Merrill Lynch) or even an
insurance company (such as Prudential or MetLife).
Your employer sends your payroll deductions directly to the company managing your plan. But you
are responsible for deciding how to invest your money among the options offered by your plan.
Typically, a 401(k) offers five or more mutual funds that invest in various sectors of the financial
markets. Some 401(k) plans also offer shares of your employer's stock.
ROTH 401K ANDINDIVIDUAL 401K
A Roth 401(k) is a relatively new option that some employers offer along with a traditional 401(k).
It's basically the opposite of a traditional 401(k) plan - meaning you pay the taxes on your
contributions, but not your withdrawals. So while you do have to fund it with after-tax dollars, the
money grows tax free and you won't have to pay income tax on any money you take out.
What's more, you don't have to make required minimum withdrawals (RMDs) from a Roth 401(k)
after you turn 70 ½, as you do with a traditional 401(k). You can leave your money to grow tax-free
for decades after you reach retirement. The lack of RMDs makes Roth 401(k)s handy
estate-planning tools for some families.
If your employer offers both types of plans, you can divide your savings among them - they will
have the same investment options - but your combined annual contributions cannot exceed
$15,500 in 2008 ($20,500 for people 50 or older).
What is an Individual 401(k)?
The Individual 401(k) is an especially good choice if you are scrambling to build up your
retirement savings and can afford to sock away a considerable portion of your earnings. The
generous contribution formula lets you put aside more money at a lower income level than you
can with a SEP IRA.
As an employee, you can stash away as much as $15,500. As the boss, you can contribute an
additional 25% of compensation, up to a maximum of $46,000, including your employee
contribution. These contributions are discretionary, so you can save the maximum in flush years
and nothing in tougher times.
If you and your spouse are both in the plan and enjoy a banner year, you could save a total of
$92,000. And if you are both 50 or older and eligible for catch-up contributions of $5,000 each, the
total climbs past $100,000.
It's also possible to take out a loan against an individual 401(k). That can be useful if you need
funds during a business crunch. You can borrow half the account's balance, up to $50,000, and
typically take up to five years to pay it back (provider rules vary). That said, borrowing from a
retirement plan should be a last resort, since it could seriously undermine your long-term goals.
Individual 401(k)s come with a bit of bureaucratic hassle. Once your balance exceeds a certain
level - $250,000 in 2008 - you have to fill out an IRS form every year, which adds a bit to your
accountant's bill.
What's a 403(b) plan?
A 403(b) plan is a kind of defined contribution retirement plan. It may be offered to
employees of government and tax-exempt groups, such as schools, hospitals and
churches.
Employees who are eligible can defer money from their paychecks into their 403(b)
accounts, which work the same as way as 401(k) plans. 403(b) plans are also
sometimes offered as Roth versions.
How is a 403(b) different from a 401(k)?
The main difference is the type of employers who can offer them. Unlike 401(k) plans
which are offered by for-profit companies, 403(b) plans are only available to employees
of tax-exempt organizations. These are usually either schools, hospitals or religious
groups. The names simply refer to the section of the tax code that outlines these plans.
For the most part, the two types of plans work the same way. But there are other subtle
differences. For example, 403(b) plans will sometimes offer more limited investments
choices than corporate plans, which might consist of annuity contracts and mutual
funds. But that may change due to new regulations set to go into effect in 2009, which
aim to make 403(b)s even more like 401(k)s. While 401(k)s frequently have vesting
schedules spread out over a few years, many 403(b)s vest immediately, or over a
shorter period of time than in their cousins in the for-profit world.
What are the best investments for a 403(b)?
When investing for a long-term goal such as retirement, you typically want to emphasize
stocks, which have the best chance to generate returns that outpace inflation. Adding
some bonds or cash to your mix can help reduce your investments' overall volatility. See
the Investing section for more on investment strategies. You can also use our asset
allocator and retirement planner calculators to determine the best mix of stocks, bonds
and cash for your retirement money.
What's a 457 plan?
A 457 plan is a kind of defined contribution retirement plan available to state and local
public employees, but can also be offered by certain nonprofit organizations. They work
much the same way as 401(k) plans: you can opt to divert part of your salary into the
plan, and the money is automatically deducted from your paycheck before taxes are
taken out. The money grows tax-deferred until it's withdrawn, and then Uncle Sam
comes calling.
However, there are differences in the maximum annual contribution limits and the
treatment of early withdrawals.
Is there a penalty for early withdrawals from a 457 plan?
No. Unlike with 401(k)s and 403(b)s, the IRS won't slap you with a penalty on
withdrawals you make before age 59 ½. You will, however, owe income tax on all
withdrawals, regardless of your age. So busting into a 457 plan early still isn't a good
idea. Leaving the money to compound until you're ready to retire will leave you with a
much bigger nest egg.
What is the Thrift Savings Plan?
The Thrift Savings Plan, or TSP, is a kind of defined contribution retirement plan for
employees of the federal government, including members of the uniformed services
(Army, Navy, Air Force, Marine Corps, Coast Guard, Public Health Service, and the
National Oceanic and Atmospheric Administration, including the Ready Reserve or
National Guard of those services.)
They work much the same way as 401(k) plans: you can opt to divert part of your salary
into the plan, and the money is automatically deducted from your paycheck before taxes
are taken out. The money grows tax-deferred until it's withdrawn, and then Uncle Sam
comes calling.
A 403(b) plan is a kind of defined contribution retirement plan. It may be offered to
employees of government and tax-exempt groups, such as schools, hospitals and
churches.
Employees who are eligible can defer money from their paychecks into their 403(b)
accounts, which work the same as way as 401(k) plans. 403(b) plans are also
sometimes offered as Roth versions.
How is a 403(b) different from a 401(k)?
The main difference is the type of employers who can offer them. Unlike 401(k) plans
which are offered by for-profit companies, 403(b) plans are only available to employees
of tax-exempt organizations. These are usually either schools, hospitals or religious
groups. The names simply refer to the section of the tax code that outlines these plans.
For the most part, the two types of plans work the same way. But there are other subtle
differences. For example, 403(b) plans will sometimes offer more limited investments
choices than corporate plans, which might consist of annuity contracts and mutual
funds. But that may change due to new regulations set to go into effect in 2009, which
aim to make 403(b)s even more like 401(k)s. While 401(k)s frequently have vesting
schedules spread out over a few years, many 403(b)s vest immediately, or over a
shorter period of time than in their cousins in the for-profit world.
What are the best investments for a 403(b)?
When investing for a long-term goal such as retirement, you typically want to emphasize
stocks, which have the best chance to generate returns that outpace inflation. Adding
some bonds or cash to your mix can help reduce your investments' overall volatility. See
the Investing section for more on investment strategies. You can also use our asset
allocator and retirement planner calculators to determine the best mix of stocks, bonds
and cash for your retirement money.
What's a 457 plan?
A 457 plan is a kind of defined contribution retirement plan available to state and local
public employees, but can also be offered by certain nonprofit organizations. They work
much the same way as 401(k) plans: you can opt to divert part of your salary into the
plan, and the money is automatically deducted from your paycheck before taxes are
taken out. The money grows tax-deferred until it's withdrawn, and then Uncle Sam
comes calling.
However, there are differences in the maximum annual contribution limits and the
treatment of early withdrawals.
Is there a penalty for early withdrawals from a 457 plan?
No. Unlike with 401(k)s and 403(b)s, the IRS won't slap you with a penalty on
withdrawals you make before age 59 ½. You will, however, owe income tax on all
withdrawals, regardless of your age. So busting into a 457 plan early still isn't a good
idea. Leaving the money to compound until you're ready to retire will leave you with a
much bigger nest egg.
What is the Thrift Savings Plan?
The Thrift Savings Plan, or TSP, is a kind of defined contribution retirement plan for
employees of the federal government, including members of the uniformed services
(Army, Navy, Air Force, Marine Corps, Coast Guard, Public Health Service, and the
National Oceanic and Atmospheric Administration, including the Ready Reserve or
National Guard of those services.)
They work much the same way as 401(k) plans: you can opt to divert part of your salary
into the plan, and the money is automatically deducted from your paycheck before taxes
are taken out. The money grows tax-deferred until it's withdrawn, and then Uncle Sam
comes calling.
What is a SEP IRA?
Run your own shop and plan to keep it that way? The Simplified Employee Pension
(SEP) IRA is probably your best bet. It is the plan of choice for most sole proprietors
and moonlighters.
You can open one at virtually any bank, mutual fund sponsor or brokerage firm. Annual
account fees are low - or non-existent.
Your contribution limit is based on a simple formula: You can put away as much as
25% of your net income, up to a cap that increases periodically to keep pace with
inflation - $46,000 in 2008.
Money stays sheltered from taxes during your savings years, and what's additionally
appealing is a SEP's funding flexibility. You can wait to fund the plan until you file your
taxes. So if your income turns out to be higher than expected, you can make a large
contribution and cut your tax bill. If you have a tough year, you can scale your
contribution back.
What is a SIMPLE IRA?
Okay, you work alone now, but aspire to bigger things. Then a Savings Incentive Match
Plan for Employees (SIMPLE) IRA may be better for you.
With a SIMPLE IRA, you can keep investing in the same plan after you hire someone.
Though don't forget what the plan name stands for: you have to match your
employees' contributions, up to 3% of pay.
The main problem with a SIMPLE IRA is that you can stash away no more than
$10,500 a year ($13,000 if you're 50 or over), which may not be enough to meet your
retirement goals. Also, if you need to make a withdrawal from a SIMPLE IRA plan
within two years of its inception, the 25% penalty is significantly higher than the 10%
fee you'd be charged for early withdrawal from a SEP IRA.
Both the SEP IRA and individual 401(k) make it tough on sole proprietors who try to
hire even one full-time employee. SEP rules can lock you into expensive contributions.
With an individual 401(k), unless that employee is married to you, you'll have to stop
funding your plan or convert it to the more complex and cumbersome employer
version. For that, you'll surely need professional help, and you may even have to hire a
third-party plan administrator. That doesn't come cheap.
Run your own shop and plan to keep it that way? The Simplified Employee Pension
(SEP) IRA is probably your best bet. It is the plan of choice for most sole proprietors
and moonlighters.
You can open one at virtually any bank, mutual fund sponsor or brokerage firm. Annual
account fees are low - or non-existent.
Your contribution limit is based on a simple formula: You can put away as much as
25% of your net income, up to a cap that increases periodically to keep pace with
inflation - $46,000 in 2008.
Money stays sheltered from taxes during your savings years, and what's additionally
appealing is a SEP's funding flexibility. You can wait to fund the plan until you file your
taxes. So if your income turns out to be higher than expected, you can make a large
contribution and cut your tax bill. If you have a tough year, you can scale your
contribution back.
What is a SIMPLE IRA?
Okay, you work alone now, but aspire to bigger things. Then a Savings Incentive Match
Plan for Employees (SIMPLE) IRA may be better for you.
With a SIMPLE IRA, you can keep investing in the same plan after you hire someone.
Though don't forget what the plan name stands for: you have to match your
employees' contributions, up to 3% of pay.
The main problem with a SIMPLE IRA is that you can stash away no more than
$10,500 a year ($13,000 if you're 50 or over), which may not be enough to meet your
retirement goals. Also, if you need to make a withdrawal from a SIMPLE IRA plan
within two years of its inception, the 25% penalty is significantly higher than the 10%
fee you'd be charged for early withdrawal from a SEP IRA.
Both the SEP IRA and individual 401(k) make it tough on sole proprietors who try to
hire even one full-time employee. SEP rules can lock you into expensive contributions.
With an individual 401(k), unless that employee is married to you, you'll have to stop
funding your plan or convert it to the more complex and cumbersome employer
version. For that, you'll surely need professional help, and you may even have to hire a
third-party plan administrator. That doesn't come cheap.
What is a cash-balance plan?
A cash-balance plan is a defined benefit plan that is a whole lot like a traditional
pension, but with a few elements that closely resemble a 401(k).
Here's what's the same: You don't invest any of your own money in the plan, nor do
you have any responsibility for the investment choices.
Here's what's different: Instead of your benefit in retirement being based on a formula
that takes into account how long you were on the job and your average salary during
your last few years of employment, the cash-balance plan credits your account with a
set percentage of your salary each year, typically 5%, plus a set interest rate that is
applied to your balance.
Each year, you get a statement that shows the hypothetical value of your account, as
well as what sort of monthly income payout (or lump sum) that will generate when
you retire at 65.
Another key difference: If you leave the company before retirement age, you may take
the contents of your cash-balance plan as a lump sum and roll it into an IRA. A
traditional pension isn't portable.
Is a cash-balance plan better than a pension?
A cash-balance plan is great if you're young and plan on job-hopping. But if you work
for one company for a very long time - good luck pulling that off these days! - the total
amount you'll get from a traditional pension plan is typically bigger than what you'll
get from a cash-balance plan. That's because the formula for a traditional pension
gives heavy weight to your average salary over the last few years of employment. With
a cash-balance plan, it's a simple average of every year's salary.
But it's not like you're going to be able to choose between them anyway. Generally, a
company offers one or the other - or none at all.
A cash-balance plan is a defined benefit plan that is a whole lot like a traditional
pension, but with a few elements that closely resemble a 401(k).
Here's what's the same: You don't invest any of your own money in the plan, nor do
you have any responsibility for the investment choices.
Here's what's different: Instead of your benefit in retirement being based on a formula
that takes into account how long you were on the job and your average salary during
your last few years of employment, the cash-balance plan credits your account with a
set percentage of your salary each year, typically 5%, plus a set interest rate that is
applied to your balance.
Each year, you get a statement that shows the hypothetical value of your account, as
well as what sort of monthly income payout (or lump sum) that will generate when
you retire at 65.
Another key difference: If you leave the company before retirement age, you may take
the contents of your cash-balance plan as a lump sum and roll it into an IRA. A
traditional pension isn't portable.
Is a cash-balance plan better than a pension?
A cash-balance plan is great if you're young and plan on job-hopping. But if you work
for one company for a very long time - good luck pulling that off these days! - the total
amount you'll get from a traditional pension plan is typically bigger than what you'll
get from a cash-balance plan. That's because the formula for a traditional pension
gives heavy weight to your average salary over the last few years of employment. With
a cash-balance plan, it's a simple average of every year's salary.
But it's not like you're going to be able to choose between them anyway. Generally, a
company offers one or the other - or none at all.
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The Ultimate Retirement Guide for Everyone; Retire Rich, Retire Early.
THE BEST RETIREMENT GUIDE EVER; WHAT ARE 401K, ROTH
401K, INDIVIDUAL 401K, 403B, 457 PLAN, THRIFT SAVINGS PLAN.
What is a SEP IRA? What is a SIMPLE IRA? --- SEE BELOW!
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Is a long-term care insurance policy really provides money to help
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THE BEST RETIREMENT GUIDE EVER; WHAT ARE 401K, ROTH
401K, INDIVIDUAL 401K, 403B, 457 PLAN, THRIFT SAVINGS PLAN.
What is a SEP IRA? What is a SIMPLE IRA? --- SEE BELOW!
Long-term care insurance?
Is a long-term care insurance policy really provides money to help
cover the costs of living if you are no longer able to take care of
yourself.?
SOCIAL SECURITY RETIREMENT GUIDE. HOW DOES SOCIAL
SECURITY WORK?
What is the importance and benefits of life insurance in real life, and at
retirement age?
Pension Plans / IRA / INDIVIDUAL RETIREMENT ACCOUNT. What is
an IRA? And what does it matter?
What is Annuity Insurance Investment, Annuity & Pension Insurance?
Are Annuities Planning today for a secure tomorrow?
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trust avoid probate?
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Corp., LLC, General Partnership, Limited partnership, Trust
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A step by step guide to gaining control of your financial life.
Setting priorities
Here's help for the first -- and often the hardest -- step in achieving your financial
goals: deciding which goals to pursue.
LESSON 2
Making a budget, saving money
How to bring your spending under control, so that you get the most out of every dollar.
LESSON 3
Basics of banking and saving
Here's how to get the best banking services at the best price, either online or off.
LESSON 4
Basics of investing
An introduction to making money in stocks, bonds and mutual funds REIT'S, real estate.
LESSON 5
Investing in stocks
The market can be a great place to turn savings into wealth -- or to lose your shirt.
Here are some fundamentals of investing wisely.
LESSON 6
Investing in mutual funds
It's a mutual-fund jungle out there. Here's how to create a simple portfolio that works.
LESSON 7
Investing in bonds
Bonds can provide a steady and reasonably secure income, while adding ballast to
your portfolio--but only if you really understand what you're buying.
LESSON 8
Buying a home
Owning your home is part of the American Dream, but if you’re not prepared, buying it
can be a nightmare. Here are some fundamentals for buyers and sellers.
LESSON 9
Controlling debt
You've got to know when to hold debt--and when to fold it. This lesson shows you how
to accomplish your financial goals by making debt work for you.
LESSON 10
Home Selling
WAYS TO SELL A PROPERTY FAST AND EASY FOR THE TOP PRICE!
Selling a home is a big decision and requires a lot of work. From getting the house
ready to reviewing the escrow papers, our helpful guide will walk you through the
process of selling your home.
LESSON 11
INSURANCE
Health Insurance, Life Insurance, Home Insurance, Car Insurance
Great things to know about insurance
Buying a car, Auto loans. Great things to know:
Buying a car is like no other shopping experience. The choices seem to be endless.
This lesson helps you sort through your options.
FINANCIAL FREEDOM: A SMARTEST WAY TO PREPARE A BETTER FUTURE. YOUR
PATH TO WEALTH STARTS RIGHT NOW.
It's a fact: today, anyone can become a millionaire
– In the history of the world, there has never been
a better time to create wealth than right here, right
now in real estate.
THE 16 DAYS THAT SHOOCK THE US ECONOMY IN SEPTEMBER, 2008.
AMERICA’S MONEY CRISIS / Bailout 101: What new law says. What it is about? What's
included in it?
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.
SMALL BUSINESS, METHODS, TECHNIQUES, AND STRATEGIES. 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.
nvestments and Business Opportunities / Franchise & Business Opportunities for all
Buying a Franchise: A Consumer Guide
When you buy a franchise, you often can sell goods and services that have instant
name recognition, and get training and support that can help you succeed. But
purchasing a franchise is like every other investment: there’s no guarantee of
success.
Setting priorities
Here's help for the first -- and often the hardest -- step in achieving your financial
goals: deciding which goals to pursue.
LESSON 2
Making a budget, saving money
How to bring your spending under control, so that you get the most out of every dollar.
LESSON 3
Basics of banking and saving
Here's how to get the best banking services at the best price, either online or off.
LESSON 4
Basics of investing
An introduction to making money in stocks, bonds and mutual funds REIT'S, real estate.
LESSON 5
Investing in stocks
The market can be a great place to turn savings into wealth -- or to lose your shirt.
Here are some fundamentals of investing wisely.
LESSON 6
Investing in mutual funds
It's a mutual-fund jungle out there. Here's how to create a simple portfolio that works.
LESSON 7
Investing in bonds
Bonds can provide a steady and reasonably secure income, while adding ballast to
your portfolio--but only if you really understand what you're buying.
LESSON 8
Buying a home
Owning your home is part of the American Dream, but if you’re not prepared, buying it
can be a nightmare. Here are some fundamentals for buyers and sellers.
LESSON 9
Controlling debt
You've got to know when to hold debt--and when to fold it. This lesson shows you how
to accomplish your financial goals by making debt work for you.
LESSON 10
Home Selling
WAYS TO SELL A PROPERTY FAST AND EASY FOR THE TOP PRICE!
Selling a home is a big decision and requires a lot of work. From getting the house
ready to reviewing the escrow papers, our helpful guide will walk you through the
process of selling your home.
LESSON 11
INSURANCE
Health Insurance, Life Insurance, Home Insurance, Car Insurance
Great things to know about insurance
Buying a car, Auto loans. Great things to know:
Buying a car is like no other shopping experience. The choices seem to be endless.
This lesson helps you sort through your options.
FINANCIAL FREEDOM: A SMARTEST WAY TO PREPARE A BETTER FUTURE. YOUR
PATH TO WEALTH STARTS RIGHT NOW.
It's a fact: today, anyone can become a millionaire
– In the history of the world, there has never been
a better time to create wealth than right here, right
now in real estate.
THE 16 DAYS THAT SHOOCK THE US ECONOMY IN SEPTEMBER, 2008.
AMERICA’S MONEY CRISIS / Bailout 101: What new law says. What it is about? What's
included in it?
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.
SMALL BUSINESS, METHODS, TECHNIQUES, AND STRATEGIES. 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.
nvestments and Business Opportunities / Franchise & Business Opportunities for all
Buying a Franchise: A Consumer Guide
When you buy a franchise, you often can sell goods and services that have instant
name recognition, and get training and support that can help you succeed. But
purchasing a franchise is like every other investment: there’s no guarantee of
success.
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REVERSE MORTGAGE, THE GREATEST SAVING PLAN A RETIRE CAN HAVE. CLICK HERE TO FIND OUT MORE!
How to write your own Will and Testament? The Five Most Important Wishes of a Living Will
What is Estate Planning? How to do an Estate Planning? 10 Things Estate Planning CAN DO FOR YOU!
What is Estate Planning? How to do an Estate Planning? 10 Things Estate Planning CAN DO FOR YOU!
How to write your own Will and Testament? The Five
Most Important Wishes of a Living Will
What is Estate Planning? How to do an Estate
Planning? 10 Things Estate Planning CAN DO FOR
YOU!
Most Important Wishes of a Living Will
What is Estate Planning? How to do an Estate
Planning? 10 Things Estate Planning CAN DO FOR
YOU!
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Five Insurance Policies Everyone Should Have
Protecting your most important assets is an important step in creating a solid
personal financial plan. The right insurance policies will go a long way toward
helping you safeguard your earning power and your possessions.
TERM INSURANCE ADVANTAGES, TERM INSURANCE GENERAL KNOWLEDGE. Buy the
term, and invest the difference.
THE IMPORTANCE OF INSURANCE IN SOMEONE'S LIFE!
Your Financial Plan; Insurance is an important element of any sound financial plan
Different types of insurance protect you and your loved ones in different ways
against the cost of accidents, illness, disability, and death.
INSURANCE KNOWLEDGE
LIFE INSURANCE ADVANTAGES, FEATURES AND BENEFITS WHILE
ALIVE AND AFTER DEATH. INSURANCE GENERAL KNOWLEDGE,
GLOBAL INSURANCE INFORMATION FOR BETTER CHOICES, BETTER
DECISION, BETTER GUARANTEE AND BETTER SATISFACTION. LEARN
MORE HERE...
INVESTMENT PRODUCTS: Investing & Money Management Basics. FINANCIAL
SOLUTIONS, TOOLS & RESOURCES. LEARN MORE...
..HOW TO OBTAIN AN INSURANCE LICENSE, AND GET HIRED, START WORKING
IMMEDIATELY WITH ONE OF THE GREATEST INSURANCE COMPANY IN THE WORLD?
FREE INSURANCE SCHOOL, FREE COURSE, FREE TRAINING, FREE FINGERPRINT,
FREE BOOKS FOR THOSE WHO LIVE IN MIAMI DADE AND BROWARD COUNTY
FLORIDA. LEARN MORE HERE...
Life Insurance
Life insurance, payable when you die, can provide a surviving spouse, children, and
other dependents with the funds necessary to maintain their standards of living,
can help repay debt, and can fund education tuition costs.
LIFE INSURANCE QUOTE. LEARN MORE..
INSURANCE PRODUCTS: How to make profits with the insurance companies?
INSURANCE TAXES:
The Death Tax Isn’t Dead--
State death-tax planning should be an important aspect of the estate-
planning process. LEARN MORE...
Auto Insurance
Auto insurance protects you from damage to the often considerable investment in a
car and/or from liability for damage or injury caused by you or someone driving your
vehicle.
The 10 Best Ways to Lower Your Car Insurance Bill
Money saved is money earned. Many people spend more than is absolutely
necessary on their daily bills, the things that they take for granted.
Auto Insurance - What do You really Need?
When shopping for car insurance, you must take a number of factors into
consideration in order to obtain the best coverage for your needs at a reasonable
price. For instance, how much is your vehicle worth?
Home-owner's Insurance: How to Save Money on Home Insurance?
Home-owner's insurance should allow you to rebuild and refurnish your home after
a catastrophe and insulate you from lawsuits if someone is injured on your property.
Guide To Homeowners Insurance: Different Types of Coverage
All insurance is definitely not created equal or, put another way, you get what you
pay for. The least costly homeowners insurance will likely give you the least amount
of coverage, and vice versa.
Ways to Reduce Your Life Insurance Premium
While you can't do anything about two of the three main factors affecting your
insurance premium (age and family medical history), there are steps you can take
regarding the third - lifestyle. You could lower your insurance premium if you:
Annuities & Pensions Insurance
Basically, an annuity is just a series or stream of payments. “Annuity” comes from
the Latin for “year”. In the context of life insurance, it is a contract between you and
an insurance company under which the insurance company pays you money for a
stipulated period.
Protecting your most important assets is an important step in creating a solid
personal financial plan. The right insurance policies will go a long way toward
helping you safeguard your earning power and your possessions.
TERM INSURANCE ADVANTAGES, TERM INSURANCE GENERAL KNOWLEDGE. Buy the
term, and invest the difference.
THE IMPORTANCE OF INSURANCE IN SOMEONE'S LIFE!
Your Financial Plan; Insurance is an important element of any sound financial plan
Different types of insurance protect you and your loved ones in different ways
against the cost of accidents, illness, disability, and death.
INSURANCE KNOWLEDGE
LIFE INSURANCE ADVANTAGES, FEATURES AND BENEFITS WHILE
ALIVE AND AFTER DEATH. INSURANCE GENERAL KNOWLEDGE,
GLOBAL INSURANCE INFORMATION FOR BETTER CHOICES, BETTER
DECISION, BETTER GUARANTEE AND BETTER SATISFACTION. LEARN
MORE HERE...
INVESTMENT PRODUCTS: Investing & Money Management Basics. FINANCIAL
SOLUTIONS, TOOLS & RESOURCES. LEARN MORE...
..HOW TO OBTAIN AN INSURANCE LICENSE, AND GET HIRED, START WORKING
IMMEDIATELY WITH ONE OF THE GREATEST INSURANCE COMPANY IN THE WORLD?
FREE INSURANCE SCHOOL, FREE COURSE, FREE TRAINING, FREE FINGERPRINT,
FREE BOOKS FOR THOSE WHO LIVE IN MIAMI DADE AND BROWARD COUNTY
FLORIDA. LEARN MORE HERE...
Life Insurance
Life insurance, payable when you die, can provide a surviving spouse, children, and
other dependents with the funds necessary to maintain their standards of living,
can help repay debt, and can fund education tuition costs.
LIFE INSURANCE QUOTE. LEARN MORE..
INSURANCE PRODUCTS: How to make profits with the insurance companies?
INSURANCE TAXES:
The Death Tax Isn’t Dead--
State death-tax planning should be an important aspect of the estate-
planning process. LEARN MORE...
Auto Insurance
Auto insurance protects you from damage to the often considerable investment in a
car and/or from liability for damage or injury caused by you or someone driving your
vehicle.
The 10 Best Ways to Lower Your Car Insurance Bill
Money saved is money earned. Many people spend more than is absolutely
necessary on their daily bills, the things that they take for granted.
Auto Insurance - What do You really Need?
When shopping for car insurance, you must take a number of factors into
consideration in order to obtain the best coverage for your needs at a reasonable
price. For instance, how much is your vehicle worth?
Home-owner's Insurance: How to Save Money on Home Insurance?
Home-owner's insurance should allow you to rebuild and refurnish your home after
a catastrophe and insulate you from lawsuits if someone is injured on your property.
Guide To Homeowners Insurance: Different Types of Coverage
All insurance is definitely not created equal or, put another way, you get what you
pay for. The least costly homeowners insurance will likely give you the least amount
of coverage, and vice versa.
Ways to Reduce Your Life Insurance Premium
While you can't do anything about two of the three main factors affecting your
insurance premium (age and family medical history), there are steps you can take
regarding the third - lifestyle. You could lower your insurance premium if you:
Annuities & Pensions Insurance
Basically, an annuity is just a series or stream of payments. “Annuity” comes from
the Latin for “year”. In the context of life insurance, it is a contract between you and
an insurance company under which the insurance company pays you money for a
stipulated period.
| Life Insurance Advantages, Benefits, & Features While Alive and After Death... Learn More Here! GET A FREE INSURANCE QUOTE, Click Here! |
..TERM INSURANCE ADVANTAGES, TERM INSURANCE
GENERAL KNOWLEDGE. Buy the term, and invest the
difference.
.. INVESTMENT PRODUCTS: Investing & Money
Management Basics. FINANCIAL SOLUTIONS, TOOLS &
RESOURCES. LEARN MORE...
INSURANCE PRODUCTS: How to make profits with the
insurance companies?
GENERAL KNOWLEDGE. Buy the term, and invest the
difference.
.. INVESTMENT PRODUCTS: Investing & Money
Management Basics. FINANCIAL SOLUTIONS, TOOLS &
RESOURCES. LEARN MORE...
INSURANCE PRODUCTS: How to make profits with the
insurance companies?
..TERM INSURANCE ADVANTAGES, TERM INSURANCE GENERAL
KNOWLEDGE. Buy the term, and invest the difference.
.. INVESTMENT PRODUCTS: Investing & Money Management Basics.
FINANCIAL SOLUTIONS, TOOLS & RESOURCES. LEARN MORE...
INSURANCE PRODUCTS: How to make profits with the insurance
companies?
..RICH GUIDE, WHY AREN'T RICH?
BUILDING FINANCIAL WEALTH, OBTAIN FINANCIAL FREEDOM, BECOME A
RICH PERSON; YES YOU CAN...
..RULE OF 72: The compound interest and financial success. Rule Of 72 is
the most important and simple rule of financial success.
..MILLIONAIRE: How To Make Your First $1 Million? The Millionaire's Mindset
..FORTUNE: BEFORE INVESTING IN THE STOCK MARKET LEARN THIS FIRST!...
..GOVERNMENT: Government's general information; Local, State, and
Federal.
Housing Finance Authority of Miami dade, Monroe, Broward, and Palm
Beach County
..EMPIRE: THE ABC's OF INVESTMENTS, Ways to Save. THE TRIANGLE OF
SUCCESS...
..INVESTORS: CREATIVE FINANCING:
TOP 10 CREATIVE FINANCING TECHNIQUES AND STRATEGIES TO FIND
MONEY TO INVEST!
The Five C’s of Credit: LEARN MORE..
CREATIVE FINANCE CAN AND WILL MAKE ALL THE DIFFERENCE WHEN AN
INVESTOR DECIDES TO INVEST IN REAL ESTATE...
..HOME INSPECTION: HOW TO GET THE BEST OUT OF IT..
Top 10 home-buying mistakes to avoid!
HOW TO USE HOME INSPECTION REPORTS TO NEGOTIATE SALE PRICE?...
...ACCOUNTING: The Basics of Accounting...
...TAXES: THE FUNDAMENTAL OF TAXES. THE MORE YOU KNOW, THE LESS
YOU PAY...
...ANALYTICS: Top 9 Real Estate Financial Calculator Problems every
investors should know about...--
-- BUILDING WEALTH
RICH GUIDE: WHY AREN'T YOU RICH? BUILDING FINANCIAL
WEALTH, OBTAIN FINANCIAL FREEDOM, BECOME A RICH
PERSON; YES YOU CAN... Learn More!
Financial Education - Financial Knowledge Everything You
Need To Know About Finance.
Dubai- The World Largest, Biggest, Tallest, Greatest of
Almost Everything. Learn more about this magnificent place
and as well as other countries.
COPYRIGHT-- What is Copyright? The Basics About
Copyright Registration. The procedure for copyright
registration.
Do I need copyright protection? How do I register? Learn
More!
..Dealership secrets revealed. Before you buy a car; read this first... CAR
BUYER'S WINNING PLAN!
..AUTO LOANS: Read this first before taking a car loan. What to avoid when
financing a car..
KNOWLEDGE. Buy the term, and invest the difference.
.. INVESTMENT PRODUCTS: Investing & Money Management Basics.
FINANCIAL SOLUTIONS, TOOLS & RESOURCES. LEARN MORE...
INSURANCE PRODUCTS: How to make profits with the insurance
companies?
..RICH GUIDE, WHY AREN'T RICH?
BUILDING FINANCIAL WEALTH, OBTAIN FINANCIAL FREEDOM, BECOME A
RICH PERSON; YES YOU CAN...
..RULE OF 72: The compound interest and financial success. Rule Of 72 is
the most important and simple rule of financial success.
..MILLIONAIRE: How To Make Your First $1 Million? The Millionaire's Mindset
..FORTUNE: BEFORE INVESTING IN THE STOCK MARKET LEARN THIS FIRST!...
..GOVERNMENT: Government's general information; Local, State, and
Federal.
Housing Finance Authority of Miami dade, Monroe, Broward, and Palm
Beach County
..EMPIRE: THE ABC's OF INVESTMENTS, Ways to Save. THE TRIANGLE OF
SUCCESS...
..INVESTORS: CREATIVE FINANCING:
TOP 10 CREATIVE FINANCING TECHNIQUES AND STRATEGIES TO FIND
MONEY TO INVEST!
The Five C’s of Credit: LEARN MORE..
CREATIVE FINANCE CAN AND WILL MAKE ALL THE DIFFERENCE WHEN AN
INVESTOR DECIDES TO INVEST IN REAL ESTATE...
..HOME INSPECTION: HOW TO GET THE BEST OUT OF IT..
Top 10 home-buying mistakes to avoid!
HOW TO USE HOME INSPECTION REPORTS TO NEGOTIATE SALE PRICE?...
...ACCOUNTING: The Basics of Accounting...
...TAXES: THE FUNDAMENTAL OF TAXES. THE MORE YOU KNOW, THE LESS
YOU PAY...
...ANALYTICS: Top 9 Real Estate Financial Calculator Problems every
investors should know about...--
-- BUILDING WEALTH
RICH GUIDE: WHY AREN'T YOU RICH? BUILDING FINANCIAL
WEALTH, OBTAIN FINANCIAL FREEDOM, BECOME A RICH
PERSON; YES YOU CAN... Learn More!
Financial Education - Financial Knowledge Everything You
Need To Know About Finance.
Dubai- The World Largest, Biggest, Tallest, Greatest of
Almost Everything. Learn more about this magnificent place
and as well as other countries.
COPYRIGHT-- What is Copyright? The Basics About
Copyright Registration. The procedure for copyright
registration.
Do I need copyright protection? How do I register? Learn
More!
..Dealership secrets revealed. Before you buy a car; read this first... CAR
BUYER'S WINNING PLAN!
..AUTO LOANS: Read this first before taking a car loan. What to avoid when
financing a car..
| FREE SERVICE: CLERK OF THE AND COUNTY COURTS. Search for: Mortgage Foreclosure Sales, Traffic Online Service, Buy Tax Deed Sales, Public Records Search, Documents SEARCHES, Buy Tax Liens Certificates, Marriage License Application & Wedding... ETC. FREE, FREE, FREE! LEARN MORE! Make a professional license, renew a license, check on a license, register a business in the State of Florida... FREE ACCESS CLICK HERE! |
| FREE SERVICE: CLERK OF THE AND COUNTY COURTS. Search for: Mortgage Foreclosure Sales, Traffic Online Service, Buy Tax Deed Sales, Public Records Search, Documents SEARCHES, Buy Tax Liens Certificates, Marriage License Application & Wedding... ETC. FREE, FREE, FREE! LEARN MORE! Make a professional license, renew a license, check on a license, register a business in the State of Florida... FREE ACCESS CLICK HERE! |
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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