RETIREMENT
KNOWLEDGEFINANCIAL.COM
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Ultimate retirement GUIDE -- //-. --
Social Security
How does Social Security work?
A financial safety net for older Americans, Social Security was established in 1935 by the
Social Security Act. Before that, support for the elderly wasn't a federal concern - it mostly
fell to states, towns and, of course, families.
The program is based on contributions that workers make into the system. While you're
employed, you pay into Social Security; you receive benefits later on, when it's your turn to
retire. Contributions take the form of the Federal Insurance Contributions Act (FICA) taxes
that are withheld from most paychecks.
Medicare benefits are commonly considered part of Social Security benefits, although
technically Medicare is a separate program. Medicare contributions are withheld from
your paycheck in much the same way as your Social Security contributions; FICA taxes
support Social Security and Medicare. /// Medicare Plans & Coverage: Part A,
Part B, Part C, Part D
How does Social Security fit into my retirement plan?
A financial safety net for older Americans, Social Security was established in 1935 by the
Social Security Act. Before that, support for the elderly wasn't a federal concern - it mostly
fell to states, towns and, of course, families.
The program is based on contributions that workers make into the system. While you're
employed, you pay into Social Security; you receive benefits later on, when it's your turn to
retire. Contributions take the form of the Federal Insurance Contributions Act (FICA) taxes
that are withheld from most paychecks.
Medicare benefits are commonly considered part of Social Security benefits, although
technically Medicare is a separate program. Medicare contributions are withheld from
your paycheck in much the same way as your Social Security contributions; FICA taxes
support Social Security and Medicare.
Social Security
How does Social Security work?
A financial safety net for older Americans, Social Security was established in 1935 by the
Social Security Act. Before that, support for the elderly wasn't a federal concern - it mostly
fell to states, towns and, of course, families.
The program is based on contributions that workers make into the system. While you're
employed, you pay into Social Security; you receive benefits later on, when it's your turn to
retire. Contributions take the form of the Federal Insurance Contributions Act (FICA) taxes
that are withheld from most paychecks.
Medicare benefits are commonly considered part of Social Security benefits, although
technically Medicare is a separate program. Medicare contributions are withheld from
your paycheck in much the same way as your Social Security contributions; FICA taxes
support Social Security and Medicare. /// Medicare Plans & Coverage: Part A,
Part B, Part C, Part D
How does Social Security fit into my retirement plan?
A financial safety net for older Americans, Social Security was established in 1935 by the
Social Security Act. Before that, support for the elderly wasn't a federal concern - it mostly
fell to states, towns and, of course, families.
The program is based on contributions that workers make into the system. While you're
employed, you pay into Social Security; you receive benefits later on, when it's your turn to
retire. Contributions take the form of the Federal Insurance Contributions Act (FICA) taxes
that are withheld from most paychecks.
Medicare benefits are commonly considered part of Social Security benefits, although
technically Medicare is a separate program. Medicare contributions are withheld from
your paycheck in much the same way as your Social Security contributions; FICA taxes
support Social Security and Medicare.
Does Social Security cover retirees only?
Nope. Disability and survivor benefits are included in the program. Contributions you make provide insurance in the event you become
disabled; they also may cover your adult child if he or she becomes disabled before age 22. And, assuming you worked enough to qualify
for retirement benefits, your spouse and children can receive Social Security survivor benefits after you die.
How does my work now equal benefits later? KNOWLEDGEFINANCIAL.COM
You accumulate credits based on your earnings. In 2008, you get one credit for every $1,050 you earn (that figure is adjusted higher
each year), up to a limit of four credits per year. These credits remain on your record even if you change jobs or stop working for a
while.
If you were born after 1929, you need 40 credits in order to receive Social Security retirement benefits.
Am I eligible for Social Security benefits?
Yes, so long as you've worked for at least 10 years (for those born in 1929 or later). Ten years is the minimum amount of time
required to earn the mandatory 40 credits.
Even if you have accumulated your 40 credits, however, you can't start getting payouts until you're 62 or older.
NEXT: How do I know I'm getting credit for the years I worked?
The Social Security Administration (SSA) mails out a summary of your benefits each year, about three months before your birthday.
You can also request one by calling the SSA ( 800-772-1213 ) and asking for a form SSA-7004, or by downloading this form.
Your statement provides a record of your earnings history, the number of credits you've accumulated to date, and an estimate of the
retirement benefits available if you wait until full retirement age. Because your benefits depend on your lifetime earnings, check the
statement closely to make sure all the information is accurate.
NEXT: What about my eligibility for Medicare benefits?
You are eligible for Medicare benefits once you reach 65, provided you have accumulated the necessary 40 credits.
NEXT: When can I start getting payouts?
The earliest you can start collecting Social Security retirement benefits is age 62; the latest is age 70. When you start collecting payouts in
that eight-year span is up to you.
Your actual retirement date doesn't matter. You can retire before 62 if you like, and you can retire after 70. If you retire before 62, though,
you'll have to make sure you have enough money set aside to support you until Social Security payments kick in.
NEXT: Why should I wait past age 62 to start collecting?
This gets complicated - hang in there. The government makes you wait until "full retirement age" in order to start collecting the full
retirement payout that you've earned. So what's full retirement age? Good question. It used to be 65, but Congress voted in 1983 to raise
it to 67 for everyone born in 1960 or later. For those workers born between 1938 and 1960, the full retirement age varies depending on
your birth year. To find out yours, refer to the Social Security online retirement planner.
NEXT: How much will my payouts be if I collect at 62?
It depends on when you were born. For example, if you were born between 1943 and 1954, your payouts will be reduced 25% if you start
receiving benefits at age 62. That reduction is permanent - that is, the 25% reduction applies not only to the money you collect between
age 62 and 67, but all the money you'll collect for the rest of your life.
To figure out the reductions based on your age, check out the online table published by the Social Security Administration.
NEXT: How much will my payments be if I wait until age 70?
Your benefits payment goes up 8% for every year after full retirement age that you delay collecting payments. Until you turn 70, of course -
that's the longest you can delay. There's no benefit to delaying past age 70; you'd just be throwing money away.
NEXT: Can I start collecting benefits if I'm still working? KNOWLEDGEFINANCIAL.COM
Nope. Disability and survivor benefits are included in the program. Contributions you make provide insurance in the event you become
disabled; they also may cover your adult child if he or she becomes disabled before age 22. And, assuming you worked enough to qualify
for retirement benefits, your spouse and children can receive Social Security survivor benefits after you die.
How does my work now equal benefits later? KNOWLEDGEFINANCIAL.COM
You accumulate credits based on your earnings. In 2008, you get one credit for every $1,050 you earn (that figure is adjusted higher
each year), up to a limit of four credits per year. These credits remain on your record even if you change jobs or stop working for a
while.
If you were born after 1929, you need 40 credits in order to receive Social Security retirement benefits.
Am I eligible for Social Security benefits?
Yes, so long as you've worked for at least 10 years (for those born in 1929 or later). Ten years is the minimum amount of time
required to earn the mandatory 40 credits.
Even if you have accumulated your 40 credits, however, you can't start getting payouts until you're 62 or older.
NEXT: How do I know I'm getting credit for the years I worked?
The Social Security Administration (SSA) mails out a summary of your benefits each year, about three months before your birthday.
You can also request one by calling the SSA ( 800-772-1213 ) and asking for a form SSA-7004, or by downloading this form.
Your statement provides a record of your earnings history, the number of credits you've accumulated to date, and an estimate of the
retirement benefits available if you wait until full retirement age. Because your benefits depend on your lifetime earnings, check the
statement closely to make sure all the information is accurate.
NEXT: What about my eligibility for Medicare benefits?
You are eligible for Medicare benefits once you reach 65, provided you have accumulated the necessary 40 credits.
NEXT: When can I start getting payouts?
The earliest you can start collecting Social Security retirement benefits is age 62; the latest is age 70. When you start collecting payouts in
that eight-year span is up to you.
Your actual retirement date doesn't matter. You can retire before 62 if you like, and you can retire after 70. If you retire before 62, though,
you'll have to make sure you have enough money set aside to support you until Social Security payments kick in.
NEXT: Why should I wait past age 62 to start collecting?
This gets complicated - hang in there. The government makes you wait until "full retirement age" in order to start collecting the full
retirement payout that you've earned. So what's full retirement age? Good question. It used to be 65, but Congress voted in 1983 to raise
it to 67 for everyone born in 1960 or later. For those workers born between 1938 and 1960, the full retirement age varies depending on
your birth year. To find out yours, refer to the Social Security online retirement planner.
NEXT: How much will my payouts be if I collect at 62?
It depends on when you were born. For example, if you were born between 1943 and 1954, your payouts will be reduced 25% if you start
receiving benefits at age 62. That reduction is permanent - that is, the 25% reduction applies not only to the money you collect between
age 62 and 67, but all the money you'll collect for the rest of your life.
To figure out the reductions based on your age, check out the online table published by the Social Security Administration.
NEXT: How much will my payments be if I wait until age 70?
Your benefits payment goes up 8% for every year after full retirement age that you delay collecting payments. Until you turn 70, of course -
that's the longest you can delay. There's no benefit to delaying past age 70; you'd just be throwing money away.
NEXT: Can I start collecting benefits if I'm still working? KNOWLEDGEFINANCIAL.COM
| Sure. But collecting Social Security when you're still working full-time is usually not a great move. That's because if you decide to start collecting benefits when you're not yet retired, the government will cut your payouts according to a formula based on how much you earn. For details, see What's the best age to start getting payouts? NEXT: What's the best age to start getting payouts? It depends on how long you'll live. Since none of us has that particular crystal ball handy, you'll have to assess the best age based on how long you think you'll be around. If you think you'll die relatively early - sorry, this gets morbid - you'll obviously want to start getting payouts as soon as possible (right at age 62). However, if your grandparents lived to 100 and you think you probably will too, your best strategy is to put off taking payments until you turn 70. If you live past a certain break-even date, waiting to receive your full benefit amount provides more money in the long run than if you retire early and take the reduced payment. If you were to die before that break-even point, however, you would have been better off going with the early (albeit reduced) benefits. Check out the Social Security Administration's break-even calculator. NEXT: How big will my payouts be? The annual benefits statement that the Social Security Administration sends you gives an estimate of how much you'll get if you wait until full retirement age. You can also estimate your benefits by using the SSA's online calculators and/or worksheet. The younger you are, the less accurate your estimate will be, because your as-yet-unknown future earnings will play an important role in all of this. NEXT: What if I want to work part-time in retirement? That's a crucial question. When you earn some income and you haven't yet reached what Social Security considers full retirement age, your payouts will typically be smaller during the period that you're working. Specifically, if you start receiving your Social Security payouts early, but you're still working and earning more than $13,560 (the annual limit for 2008), your benefit is reduced by $1 for every $2 above that limit. However, Social Security will make an adjustment when you reach full retirement age to reflect the additional income you earned. In the last year before reaching your full retirement age, the earnings limit rises to $36,120, and your benefits are reduced $1 for every $3 above that limit. As of the month you reach full retirement age, your benefits are not affected by any earnings limits. NEXT: Will my spouse and kids receive benefits when I die? Survivor benefits are available for certain family members as long as you accumulated the 40 credits before dying. Your children may qualify for 75% of your Social Security benefits based on your record of contributions, up until they turn 18 years old (or 19, in the case of a child still in elementary or secondary school). As for your spouse, he or she can receive a reduced benefit (71.5% of your benefits) as early as age 60, or your full benefit after reaching full retirement age. Those benefits will continue indefinitely unless your spouse remarries. Benefits for your spouse and kids are also limited by a family maximum, which is the maximum amount that can be paid from your earnings record. For more details on survivor benefits, check out the Social Security Administration's Web site. NEXT: How do Social Security disability payments work? KNOWLEDGEFINANCIAL.COM |
| Your eligibility for these benefits works on the same credit system as for retirement payouts, but there are slightly different rules about who is eligible. Eligibility for disability benefits depends on how old you are when you become disabled, as well as the nature of your disability. You can't qualify for disability benefits if you are able to work and earn more than $940 a month (in 2008). Your disability also must be considered severe enough to affect your everyday work-related activities. Check out the online version of the process the Social Security Administration (SSA) uses to decide whether or not you qualify as disabled. Disability benefit payments start only after you have been disabled for five months, and they continue until your condition has improved enough that you can start working again. To estimate your disability payments, check out the online benefits calculator offered by the SSA. If your adult child is disabled before the age of 22, he or she can qualify for benefits based on your earnings record. Anyone who becomes disabled after turning 22 needs to pass the recent work test, a measure of how many years of work you have performed depending on your age. Details of the test are available here. If you are still receiving disability insurance by the time you reach full retirement age, your payments switch over to retirement benefits. The amount of your payments remains the same. NEXT: Will I get taxed on my Social Security payouts? Maybe, depending on how much other income (such as pension or IRA distributions or salary) you receive in retirement. Your benefits generally are not taxable if half of your benefits, plus all your other income, is less than $25,000 if you are single ($32,000 if you are married filing jointly). If half of your benefits, plus all of your other income, is more than $34,000 (for singles) or $44,000 (married filing jointly), then 85% of your benefits are subject to income tax. If you fall somewhere between the lower and upper limits, then the percentage of your taxable benefits varies between 0% and 85%. To figure out if and how much of your benefits may be taxed, go to page 25 of this IRS worksheet. NEXT: Will Social Security still exist when I retire? Ah, the question everyone loves to debate. It's true that Social Security will soon start paying out more benefits than it receives in contributions, as the bulk of the baby-boom generation phases into retirement. The government's official position is that there is enough money saved to pay benefits at the currently scheduled amounts until 2041. The Social Security Administration admits on its Web site that benefits will likely be reduced after that, barring changes that improve the financial strength of the system. Some critics say that benefits could be at risk as early as 2016 or 2017, when Social Security cash flow turns negative. They claim that since the money paid in over the last few decades is part of the government's overall budget, it is available only on paper; other branches of the government have spent it and left IOUs. In order to pay benefits through 2041, the government would have to borrow. NEXT: How does Social Security fit into my retirement plan? If you're 55 or older now, you'll probably get the full benefit you're supposed to. Most of the recent discussions about reforming Social Security don't propose to change the benefits of current retirees or near-retirees. If you're younger, you could face a 22% reduction in your payouts after 2041, with the likelihood of further reductions each year thereafter. It's likely that political leaders will try to make changes in the system to improve its long-term financial health, but such changes are impossible to predict. And even in the best possible scenario, Social Security almost certainly won't pay you enough to live on in retirement. So if you're under 55 and want to be conservative, don't factor in Social Security when making your calculations about how much to save and invest for retirement. Set aside as much of your own money as you can in retirement savings accounts and invest it wisely. Bottom line: Your financial security in retirement is your own responsibility. |
SOCIAL SECURITY; THE ULTIMATE RETIREMENT GUIDE. HOW DOES
SOCIAL SECURITY WORK?
SOCIAL SECURITY WORK?
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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.
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 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!
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?
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?
| 11 Great things to do with your money in financial crisis, in difficult economic time Trust Account: Definition of a Trust; Land Trust, Living Trust, Revocable Trust, Land Contract. It is one of the oldest and best defined relationships known in the law How to protect yourself and a business against malicious law-suits? Will & Living trust What is a will and what is living trust? How does a living trust avoid probate? {Investment} The Ultimate Retirement Guide for Everyone; Retire Rich, Retire Early How can I protect my assets? {Business 101 --- Corp., S - Corp., LLC, General Partnership, Limited partnership, Trust Account, Will and Living-Trust} |
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| BUYING, SELLING, LEASING A REAL STATE PROPERTY IN SOUTH FLORIDA CALL ANTONY AT: 786-631-7740 FOR A COMPLETE REAL ESTATE SERVICE! |
| The clock is... at the speed of light. Get ready financially, socially, economically for your retirement, |
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Top 10 home-buying mistakes to avoid!
HOW TO USE HOME INSPECTION REPORTS TO
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PERSON; YES YOU CAN... Learn More!
Financial Education - Financial
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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!
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car loan. What to avoid when financing a car..
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State, And Local. Find Any Agency
You desire.-
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CREATIVE FINANCING TECHNIQUES AND
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General Knowledge. Buy the Term, and invest
the difference. Learn More...
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MAKE MONEY & SAVE MONEY ON YOUR
INSURANCE.
''LIFE INSURANCE: Ways to Reduce Your Life
Insurance Premium; Learn the importance and
benefits of life insurance in real life.
''..Life Insurance Quote. Find out if You Pay too
much for Your Insurance, Or Check How Much
You Can Pay For a Life Insurance...
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the insurance companies? Learn More...
-- --
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..
'''''Government General Information: Federal,
State, And Local. Find Any Agency
You desire.-
''INVESTORS: CREATIVE FINANCING: TOP 10
CREATIVE FINANCING TECHNIQUES AND
STRATEGIES TO FIND MONEY TO INVEST!
''Index Fund: What You Need to Know About
Trading and Investing in Leveraged ETFs..-
'' MORTGAGE HOUSE: HOW AND WHERE TO FIND
MONEY TO BUY A PROPERTY? Financing your
real estate investment; easy
steps, fast & simple.
''..Term Insurance Advantages, Term Insurance
General Knowledge. Buy the Term, and invest
the difference. Learn More...
''INSURANCE GENERAL INFORMATION: WAYS TO
MAKE MONEY & SAVE MONEY ON YOUR
INSURANCE.
''LIFE INSURANCE: Ways to Reduce Your Life
Insurance Premium; Learn the importance and
benefits of life insurance in real life.
''..Life Insurance Quote. Find out if You Pay too
much for Your Insurance, Or Check How Much
You Can Pay For a Life Insurance...
''.Insurance Products: How to make profits with
the insurance companies? Learn More...
-- --
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...
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...
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, 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...
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...
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.
| 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! |
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'''INVESTMENT & FINANCE: METHODS, TECHNIQUES,
AND STRATEGIES. WHERE, WHEN, HOW TO INVEST?
-Financial Service Company. What We Do, How we do
it? EVERYTHING YOU WANT TO KNOW ABOUT
INSURANCE & INVESTMENT.-
''''what you should do with your money in the wake of
the financial crisis? HERE ARE THE SAFEST PLACES
WHERE YOU CAN PUT YOUR MONEY AND HAVE
PEACE OF MIND.-- -
'' ''Market Advice: The definition of terms and
terminology in the investment world. --
NEWS LETTER //-
''Business Opportunity: Start your own
business EASY & SIMPLE, be your own boss,
make extra money
-Auto Insurance: The More You Know, The
Less You pay. The 10 Best Ways to Lower
Your Car Insurance
'' USAJOBS - State and Local Government
Opportunities--Employment, Jobs, career. -
-How to Become Wealthy?
Nine Truths That Can Set You on the Path to Financial
Freedom--
-AMERICAN DOLLAR: What are the letters, numbers,
and symbols, the latin words mean?
-Money Management- Counterfeit Combat: Defense Is
in the Details. How to reconize and combat
counterfeit money?
-'INVESTMENT & FINANCE: METHODS, TECHNIQUES,
AND STRATEGIES. WHERE, WHEN, HOW TO INVEST?
-Banking And Finance Knowledge. The more you
know the closer you are to accomplish great
success..
-The Role of Money in Our Life
THE ARCHITECTURE OF PROSPERITY
-RICH GUIDE: WHY AREN'T YOU RICH? BUILDING
FINANCIAL WEALTH, OBTAIN FINANCIAL FREEDOM,
BECOME A RICH PERSON; YES YOU CAN.
-Ten Resolutions to Make Your Financial Life Easier-
Counterfeit Combat: Defense Is in the Details...
-A step by step guide to gaining control of your
financial life.-The Successful Investment Journey,
Ten Tips For The Successful Investors -
-How to Make Money Online With Or Without a
Website. ''INVESTING: MAKE YOURSELF RICHER BY
INVESTING THE RIGHT WAY IN THE RIGHT PRODUCTS.-
''Money: 45 Ways to Improve Your Finances This Year.-
''FORTUNE IN Stock Market ; BEFORE INVESTING IN
THE STOCK MARKET YOU MUST LEARN THIS FIRST!...
'' Market advice; The Definition Of the terms of the world
financial market.-:
''SAVING MONEY: THE SECRETS OF SAVING; WAYS
TO SAVE A LOT OF MONEY AND GETTING RICHER.-
''INVESTING: The 7 New Rules of Financial Security And
The Secrets of Self-Made Millionaires
''Free Credit Report: THIS REPORT CAN HELP YOU
FIND OUT WHAT'S GOOD OR WHAT'S BAD AND ALSO
DETECT ID
THEFT!...
''The Millionaire's Mindset How To Make Your First $1
Million.
''CREDIT: SAVE YOUR CREDIT, RESCUE IT, PROTECT
IT, INCREASE YOUR SCORE..
''FINANCIAL REPORT, headline news: REAL ESTATE
INVESTMENT SECRETS REVEALED, REAL ESTATE
CAN HELP YOU GET RICHER THE QUICKEST,
EASIEST WAY POSSIBLE..
''FINANCIAL FREEDOM: A SMARTEST WAY TO
PREPARE A BETTER FUTURE IS TO PLAN TODAY TO
OBTAIN A COMPLETE FINANCIAL FREEDOM..
''FINANCIAL AID: FREE SCHOLARSHIP FOR SCHOOL,
FREE GOVERNMENT GRANTS MONEY FOR
SCHOOL..
''ACCOUNTING: The Basics of Accounting --
It’s not the numbers, but what the numbers are telling
you. It’s not the words, bu it's what the words are telling
..
'' RULES OF SUCCESS-The rules of money have
changed and it’s time for you to get smart with your
money!
''Rule Of 72: The compound interest and financial
success Rule Of 72 is the most important and simple
rule of financial
success.
''''Government General Information: Federal, State, And
Local. Find Any Agency
You desire.-
''INVESTORS: CREATIVE FINANCING: TOP 10
CREATIVE FINANCING TECHNIQUES AND
STRATEGIES TO FIND MONEY TO INVEST!
''Index Fund: What You Need to Know About Trading
and Investing in Leveraged ETFs..-
'' MORTGAGE HOUSE: HOW AND WHERE TO FIND
MONEY TO BUY A PROPERTY? Financing your real
estate investment; easy
steps, fast & simple.''
AND STRATEGIES. WHERE, WHEN, HOW TO INVEST?
-Financial Service Company. What We Do, How we do
it? EVERYTHING YOU WANT TO KNOW ABOUT
INSURANCE & INVESTMENT.-
''''what you should do with your money in the wake of
the financial crisis? HERE ARE THE SAFEST PLACES
WHERE YOU CAN PUT YOUR MONEY AND HAVE
PEACE OF MIND.-- -
'' ''Market Advice: The definition of terms and
terminology in the investment world. --
NEWS LETTER //-
''Business Opportunity: Start your own
business EASY & SIMPLE, be your own boss,
make extra money
-Auto Insurance: The More You Know, The
Less You pay. The 10 Best Ways to Lower
Your Car Insurance
'' USAJOBS - State and Local Government
Opportunities--Employment, Jobs, career. -
-How to Become Wealthy?
Nine Truths That Can Set You on the Path to Financial
Freedom--
-AMERICAN DOLLAR: What are the letters, numbers,
and symbols, the latin words mean?
-Money Management- Counterfeit Combat: Defense Is
in the Details. How to reconize and combat
counterfeit money?
-'INVESTMENT & FINANCE: METHODS, TECHNIQUES,
AND STRATEGIES. WHERE, WHEN, HOW TO INVEST?
-Banking And Finance Knowledge. The more you
know the closer you are to accomplish great
success..
-The Role of Money in Our Life
THE ARCHITECTURE OF PROSPERITY
-RICH GUIDE: WHY AREN'T YOU RICH? BUILDING
FINANCIAL WEALTH, OBTAIN FINANCIAL FREEDOM,
BECOME A RICH PERSON; YES YOU CAN.
-Ten Resolutions to Make Your Financial Life Easier-
Counterfeit Combat: Defense Is in the Details...
-A step by step guide to gaining control of your
financial life.-The Successful Investment Journey,
Ten Tips For The Successful Investors -
-How to Make Money Online With Or Without a
Website. ''INVESTING: MAKE YOURSELF RICHER BY
INVESTING THE RIGHT WAY IN THE RIGHT PRODUCTS.-
''Money: 45 Ways to Improve Your Finances This Year.-
''FORTUNE IN Stock Market ; BEFORE INVESTING IN
THE STOCK MARKET YOU MUST LEARN THIS FIRST!...
'' Market advice; The Definition Of the terms of the world
financial market.-:
''SAVING MONEY: THE SECRETS OF SAVING; WAYS
TO SAVE A LOT OF MONEY AND GETTING RICHER.-
''INVESTING: The 7 New Rules of Financial Security And
The Secrets of Self-Made Millionaires
''Free Credit Report: THIS REPORT CAN HELP YOU
FIND OUT WHAT'S GOOD OR WHAT'S BAD AND ALSO
DETECT ID
THEFT!...
''The Millionaire's Mindset How To Make Your First $1
Million.
''CREDIT: SAVE YOUR CREDIT, RESCUE IT, PROTECT
IT, INCREASE YOUR SCORE..
''FINANCIAL REPORT, headline news: REAL ESTATE
INVESTMENT SECRETS REVEALED, REAL ESTATE
CAN HELP YOU GET RICHER THE QUICKEST,
EASIEST WAY POSSIBLE..
''FINANCIAL FREEDOM: A SMARTEST WAY TO
PREPARE A BETTER FUTURE IS TO PLAN TODAY TO
OBTAIN A COMPLETE FINANCIAL FREEDOM..
''FINANCIAL AID: FREE SCHOLARSHIP FOR SCHOOL,
FREE GOVERNMENT GRANTS MONEY FOR
SCHOOL..
''ACCOUNTING: The Basics of Accounting --
It’s not the numbers, but what the numbers are telling
you. It’s not the words, bu it's what the words are telling
..
'' RULES OF SUCCESS-The rules of money have
changed and it’s time for you to get smart with your
money!
''Rule Of 72: The compound interest and financial
success Rule Of 72 is the most important and simple
rule of financial
success.
''''Government General Information: Federal, State, And
Local. Find Any Agency
You desire.-
''INVESTORS: CREATIVE FINANCING: TOP 10
CREATIVE FINANCING TECHNIQUES AND
STRATEGIES TO FIND MONEY TO INVEST!
''Index Fund: What You Need to Know About Trading
and Investing in Leveraged ETFs..-
'' MORTGAGE HOUSE: HOW AND WHERE TO FIND
MONEY TO BUY A PROPERTY? Financing your real
estate investment; easy
steps, fast & simple.''
| ''SOCIAL SECURITY BIG SECRETS Things That You Must Know About Social Security! KNOWLEDGEFINANCIALGROUP.COM - 1. "Long-term deficit? We can hardly afford our bills today." Worried about the future of Social Security? You're far from alone. The Social Security Administration itself has said that unless something is done to reform the system, it will burn through its funds within the next few decades. the Social Security Administration collected less revenue in taxes than it needed to cover its benefit payments — the first time expenditures have exceeded income since 1983. As a result, the program had to tap its $2.5 trillion trust fund, sooner than some had expected. The same is expected to happen this year. "The depth of the recession has slowed down revenues to the system," --KNOWLEDGEFINANCIALGROUP.COM interest income from the Treasury bonds held in the trust fund will allow it to keep growing until 2022 — even if the agency has to siphon off some money to offset any shortages in tax revenue -- and won't be exhausted until 2036, when the first Gen Xers begin retiring. But that's already one year earlier than previous projections. After that, the agency says tax income under the current system will only cover about 75% of benefit payments through 2085. 2. "The more you make, the less you get back." It's common to think of Social Security as an individual account of sorts — what you pay in, you get back, more or less. That's far from accurate. By design, the Social Security Administration says, the system is tilted in favor of lower-income workers who have fewer resources to save for retirement. In practice, that means that the more money you make, the less you get back, at least as a percentage of your salary. 3. "This used to be a much better deal." Today's workers — boomers, Gens X and Y — like to carp about Social Security, but it's not all sour grapes or skepticism about paying into a system with an uncertain future. Employees today pay more in Social Security taxes than previous generations did. They're also likely to get smaller benefits when it's their turn to retire. ---KNOWLEDGEFINANCIALGROUP.COM Over the years, as the Social Security Administration has come to grips with the cost of its benefit program — and the ranks of eligible beneficiaries has swollen — taxes to fund the program have gone up and up, a trend that experts say is likely to continue over the coming years. As a result, workers now pay 6.2% in payroll taxes (reduced to 4.2% in 2011) — nearly double the 3.6% tax rate workers paid in 1965.--KNOWLEDGEFINANCIALGROUP.COM 4. "Want a bigger check? Go back to work." Most people within ten years of age 62 have already started doing the Social Security math problem: How much do I get if I wait one year to take payments? How much if I wait two years? To get the biggest bump in benefits, workers have to delay their benefits beyond full retirement age — around 66 for people born before 1957, closer to 67 for people born after. (To find your exact date, see Social Security Online.) For every additional year you wait, you'll get an 8% increase in payments until you hit age 70. KNOWLEDGEFINANCIALGROUP.COM If you've already started collecting benefits and you're under full retirement age, it's not too late to get a raise. One strategy: Go back to work. If you earn more than $14,160, the Social Security Administration will dock $1 in benefits for every $2 you earn. But once you reach full retirement age, your benefits will be recalculated to account for the money you didn't get while working. So, for example, someone who took their benefits at 62 — at a 25% reduction compared to full benefits — but went back to work from ages 63 to 66 and earned enough to zero out his entire Social Security check could end up collecting close to full benefits at age 66. 5. "Good luck qualifying for disability." More than 8 million people receive Social Security Disability Insurance, which is awarded to people who are unable to work because of a long-term physical or mental disability. But qualifying is no easy task Some of that change can be attributed to more people applying for benefits — 2.8 million in 2009 compared to 1.5 million a decade earlier. That's common when the economy is tough, says someone in the administration : The number of applications rises, along with an increase in claims that fall short of the agency's standards. Even for people with true and serious disabilities, it can be difficult to qualify. The process can take years and often requires legal help. Most people have to wait for a hearing, says Roberts: "Best case, it is 18 months before you get approved." In some cases, the battle goes to federal court. To improve your chances, Roberts recommends applying for benefits as soon as you become disabled. Waiting too long could leave you in a situation where you haven't worked long enough to qualify for disability benefits. You must generally have worked at least three to ten years before you became disabled, depending on your age. The spokeswoman for the Social Security Administration says it does not pay benefits for partial or short-term disability and taxpayers must be able to show that they cannot do work they did before or adjust to other work because of their medical condition.--KNOWLEDGEFINANCIALGROUP.COM 6. "You can be unemployed and retired." A growing number of people in their 60s are collecting unemployment and Social Security benefits at the same time. Since 2002, seventeen states have changed the rules to allow people to qualify for more unemployment benefits while they receive Social Security, according to the National Employment Law Project, which has advocated on behalf of allowing seniors to claim both. It's perfectly legal; you just have to report the income to both agencies. There is no clear data on how many people are drawing both. About 10% percent of people who collected unemployment benefits in 2010 were 60 or older, according to the Department of Labor; the minimum age to collect Social Security retirement benefits is age 62. For those who qualify, the option has obvious appeal for older Americans struggling to find work in today's weak job market. "We are generally talking about older workers who lose their jobs involuntarily, who are trying to survive," says George Wentworth, an attorney with the National Employment Law Project. Receiving unemployment benefits doesn't affect your Social Security payments, but the reverse is not always true: In some states, collecting Social Security can reduce your unemployment checks. In Illinois, Louisiana, South Dakota, Utah and Colorado, your unemployment benefits can be reduced by half of your monthly Social Security benefit. -KNOWLEDGEFINANCIALGROUP.COM |
RETIREMENT PLANS AND
ACCOUNTS
Retirement plans are built by regular
contributions paid by a company, an
employee, or both.
The contributions are deposited in a
company-sponsored plan or individual
account, which accumulates earnings
through investments.
When the employee reaches retirement
age, benefits are paid in regular
installments or a lump-sum distribution.
All retirement funds offer the advantage of
tax-deferred earnings; some even shelter
earnings or income.
They differ, though, as to the limit of
contributions, who can contribute, the age
when benefits begin, the number of years
it takes to be vested, the fees charged,
and portability.
Types of Retirement Plans and
Accounts
Traditionally, employers rewarded years of
loyal service by providing employees with
a guaranteed pension for life.
So-called defined-benefit plans were fully
funded by the company, with the level of
benefit determined by the employee’s
salary and years of service at the time of
retirement.
Defined-benefit contributions were free
money that the employer planted and grew
for employees.
Not surprisingly, defined-benefit plans are
rapidly disappearing in favor of various
types of
employee-contribution plans, including the
following:
• Defined-contribution plans—These
define the amount of contribution an
employee can make to a retirement fund,
usually as a percentage of salary.
Although the plans are company
sponsored, employers do not have to
contribute.
Benefits depend on how much has been
deposited and how well the investments
have done. Earnings are not taxed until
withdrawn. A 401(k) is an example of a
defined-contribution plan.
----------------------------------
What’s Right for You?
Determining which plans are best for you is
a personal decision. Much depends on
whether you are an employee, self-
employed, or living off passive income;
whether you are just beginning your career
or nearing retirement; whether your
income is high or low; and whether you
want to retire early or work forever.
An employer-sponsored retirement plan is
one of the few tax-savings opportunities
available to employees. The greatest
advantage of retirement plans is this: The
more you contribute to yourself, the less
you contribute to the government in the
form of taxes.
Furthermore, if you have an employer who
matches your investment, every dollar you
contribute automatically earns a 100
percent return. But you have to weigh
these advantages against a plan’s
predefined retirement age of 55, 59, or 70,
which dictates when you can withdraw your
funds
-------------------------------n
ACCOUNTS
Retirement plans are built by regular
contributions paid by a company, an
employee, or both.
The contributions are deposited in a
company-sponsored plan or individual
account, which accumulates earnings
through investments.
When the employee reaches retirement
age, benefits are paid in regular
installments or a lump-sum distribution.
All retirement funds offer the advantage of
tax-deferred earnings; some even shelter
earnings or income.
They differ, though, as to the limit of
contributions, who can contribute, the age
when benefits begin, the number of years
it takes to be vested, the fees charged,
and portability.
Types of Retirement Plans and
Accounts
Traditionally, employers rewarded years of
loyal service by providing employees with
a guaranteed pension for life.
So-called defined-benefit plans were fully
funded by the company, with the level of
benefit determined by the employee’s
salary and years of service at the time of
retirement.
Defined-benefit contributions were free
money that the employer planted and grew
for employees.
Not surprisingly, defined-benefit plans are
rapidly disappearing in favor of various
types of
employee-contribution plans, including the
following:
• Defined-contribution plans—These
define the amount of contribution an
employee can make to a retirement fund,
usually as a percentage of salary.
Although the plans are company
sponsored, employers do not have to
contribute.
Benefits depend on how much has been
deposited and how well the investments
have done. Earnings are not taxed until
withdrawn. A 401(k) is an example of a
defined-contribution plan.
----------------------------------
What’s Right for You?
Determining which plans are best for you is
a personal decision. Much depends on
whether you are an employee, self-
employed, or living off passive income;
whether you are just beginning your career
or nearing retirement; whether your
income is high or low; and whether you
want to retire early or work forever.
An employer-sponsored retirement plan is
one of the few tax-savings opportunities
available to employees. The greatest
advantage of retirement plans is this: The
more you contribute to yourself, the less
you contribute to the government in the
form of taxes.
Furthermore, if you have an employer who
matches your investment, every dollar you
contribute automatically earns a 100
percent return. But you have to weigh
these advantages against a plan’s
predefined retirement age of 55, 59, or 70,
which dictates when you can withdraw your
funds
-------------------------------n
Social Security Benefits: 12
Things You Must to Know
About.--.FINANCIAL ACADEMY SCHOOL
.Social Security Insurance was
established in 1935 as a financial
safety net for older Americans. Eight
decades later, all Americans pay into
the system, with Social Security the
largest source of income for citizens
age 65 and older.
During 2012, nearly 160 million
workers will continue to have 4.2
percent of their pay deposited into
the Social Security Trust Fund instead
of the usual 6.2 percent, according to
a statement from the IRS based on the
Temporary Payroll Tax Cut
Continuation Act of 2011.
The program is based on
contributions that workers make into
the system. While you're employed,
you pay into Social Security; when it's
your turn to retire you receive
benefits.
You can start your Social Security
retirement benefits as early as age 62
or as late as age 70 (if you were born
in 1960 or later, your full retirement
age is 67). Your monthly benefit
amount will be different depending on
the age you start receiving it.
The amount of money you receive
from Social Security is based on a
number of factors, including how
much income you earned throughout
your working years, the year you were
born, and the age at which you file for
benefits. If you claim Social Security
early, your benefits will be reduced by
a fraction of a percent for each month
before your full retirement age.
FINANCIAL ACADEMY SCHOOL
The following 10 points are
based on best practices
recommended by the U.S. Social
Security Administration of policy
website.
FINANCIAL ACADEMY SCHOOL
Things You Must to Know
About.--.FINANCIAL ACADEMY SCHOOL
.Social Security Insurance was
established in 1935 as a financial
safety net for older Americans. Eight
decades later, all Americans pay into
the system, with Social Security the
largest source of income for citizens
age 65 and older.
During 2012, nearly 160 million
workers will continue to have 4.2
percent of their pay deposited into
the Social Security Trust Fund instead
of the usual 6.2 percent, according to
a statement from the IRS based on the
Temporary Payroll Tax Cut
Continuation Act of 2011.
The program is based on
contributions that workers make into
the system. While you're employed,
you pay into Social Security; when it's
your turn to retire you receive
benefits.
You can start your Social Security
retirement benefits as early as age 62
or as late as age 70 (if you were born
in 1960 or later, your full retirement
age is 67). Your monthly benefit
amount will be different depending on
the age you start receiving it.
The amount of money you receive
from Social Security is based on a
number of factors, including how
much income you earned throughout
your working years, the year you were
born, and the age at which you file for
benefits. If you claim Social Security
early, your benefits will be reduced by
a fraction of a percent for each month
before your full retirement age.
FINANCIAL ACADEMY SCHOOL
The following 10 points are
based on best practices
recommended by the U.S. Social
Security Administration of policy
website.
FINANCIAL ACADEMY SCHOOL
1. How Benefits Are Calculated
FINANCIAL ACADEMY SCHOOL
Benefits are based on your lifetime
earnings. Your actual earnings are
adjusted or “indexed” to account for
changes in average wages since the
year the earnings were received. Then
Social Security calculates your
average indexed monthly earnings
during the 35 years in which you
earned the most.
Social Security recipients below their
full retirement age (66 for those born
between 1943 and 1954) can earn up
to $14,640 in 2012 (not including tax
withholdings). FINANCIAL ACADEMY SCHOOL
2. Paying Income Tax on Benefits
Some states tax Social Security
benefits, while others don't. Check the
laws in the state where you reside.
No matter where you live, you will
have to pay federal taxes on your
Social Security benefits if you file a
federal tax return as an individual and
your total income is more than $25,000.
If you file a joint return, you will have
to pay taxes if you and your spouse
have a total income of more than
$32,000. FINANCIAL ACADEMY SCHOOL
3. If You Wait to Claim, Benefits
Increase
Monthly Social Security payments will
be bigger if you wait until your full
retirement age to sign up for benefits
instead of claiming at age 62. Even if
you delay your claiming decision by a
year, you will get a boost in your
benefit.
4. Claiming Benefits After Your Full
Retirement Age (Older than 65)
FINANCIAL ACADEMY SCHOOL
If you wait as long as possible to
collect, your payments could increase
by 8 percent annually after your full
retirement age. Additionally, you get
two-thirds of 1 percent more for each
month you delay.
5. Maximum Social Security
Retirement Benefit
The maximum possible Social Security
check grew to $2,513 per month in
2012. That is up from $2,366 in 2011. In
order to get this amount, a worker
would need to earn the maximum
taxable amount ($110,100 in 2012)
every year after age 21.
FINANCIAL ACADEMY SCHOOL
FINANCIAL ACADEMY SCHOOL
Benefits are based on your lifetime
earnings. Your actual earnings are
adjusted or “indexed” to account for
changes in average wages since the
year the earnings were received. Then
Social Security calculates your
average indexed monthly earnings
during the 35 years in which you
earned the most.
Social Security recipients below their
full retirement age (66 for those born
between 1943 and 1954) can earn up
to $14,640 in 2012 (not including tax
withholdings). FINANCIAL ACADEMY SCHOOL
2. Paying Income Tax on Benefits
Some states tax Social Security
benefits, while others don't. Check the
laws in the state where you reside.
No matter where you live, you will
have to pay federal taxes on your
Social Security benefits if you file a
federal tax return as an individual and
your total income is more than $25,000.
If you file a joint return, you will have
to pay taxes if you and your spouse
have a total income of more than
$32,000. FINANCIAL ACADEMY SCHOOL
3. If You Wait to Claim, Benefits
Increase
Monthly Social Security payments will
be bigger if you wait until your full
retirement age to sign up for benefits
instead of claiming at age 62. Even if
you delay your claiming decision by a
year, you will get a boost in your
benefit.
4. Claiming Benefits After Your Full
Retirement Age (Older than 65)
FINANCIAL ACADEMY SCHOOL
If you wait as long as possible to
collect, your payments could increase
by 8 percent annually after your full
retirement age. Additionally, you get
two-thirds of 1 percent more for each
month you delay.
5. Maximum Social Security
Retirement Benefit
The maximum possible Social Security
check grew to $2,513 per month in
2012. That is up from $2,366 in 2011. In
order to get this amount, a worker
would need to earn the maximum
taxable amount ($110,100 in 2012)
every year after age 21.
FINANCIAL ACADEMY SCHOOL
6. Receiving Social Security and Unemployment at the Same Time
FINANCIAL ACADEMY SCHOOL.COM
Unemployment insurance benefits are not counted under the Social Security annual earnings test and
therefore do not affect your receipt of Social Security benefits.
However, the unemployment benefit amount of an individual may be reduced by the receipt of a pension
or other retirement income, including Social Security benefits.
7. Receiving Social Security Benefits When Living Overseas
As long as you are a U.S. citizen, you may receive your Social Security benefits outside the United States.
So you can retire abroad.
FINANCIAL ACADEMY SCHOOL.COM
8. Receiving Credit for Military Service // FINANCIAL ACADEMY SCHOOL
Earnings for active duty military service or active duty training have been covered under Social Security
since 1957. Under certain circumstances, special earnings can be credited to your military pay record for
Social Security purposes.
The extra earnings are for periods of active duty or active duty for training. These extra earnings may
help you qualify for Social Security or increase the amount of your Social Security benefit.
9. Couples Have Extra Options
FINANCIAL ACADEMY SCHOOL
Spouses are entitled to Social Security benefits of up to 50 percent of the higher earner's check if that
amount is higher than the payments based on his or her own working record.
Additionally, dual-earner couples who have reached their full retirement age can even claim twice by first
signing up for a spousal payment, then claiming again later based on their own work record (which will
then be higher due to delayed claiming).
10. Social Security Numbers Have Significance //
FINANCIAL ACADEMY SCHOOL
The first three digits of your Social Security number are assigned based on geographical region, with the
lowest numbers being assigned in the Northeast and increasingly higher numbers assigned to residents
in the West.
The middle two digits, called the group number, are allocated in a precise but nonconsecutive order
between 01 and 99.
The last four digits are issued in a sequential order. Over 420 million unique numbers have been issued
and they are not reused after a person's death. // FINANCIAL ACADEMY SCHOOL.
FINANCIAL ACADEMY SCHOOL.COM
Unemployment insurance benefits are not counted under the Social Security annual earnings test and
therefore do not affect your receipt of Social Security benefits.
However, the unemployment benefit amount of an individual may be reduced by the receipt of a pension
or other retirement income, including Social Security benefits.
7. Receiving Social Security Benefits When Living Overseas
As long as you are a U.S. citizen, you may receive your Social Security benefits outside the United States.
So you can retire abroad.
FINANCIAL ACADEMY SCHOOL.COM
8. Receiving Credit for Military Service // FINANCIAL ACADEMY SCHOOL
Earnings for active duty military service or active duty training have been covered under Social Security
since 1957. Under certain circumstances, special earnings can be credited to your military pay record for
Social Security purposes.
The extra earnings are for periods of active duty or active duty for training. These extra earnings may
help you qualify for Social Security or increase the amount of your Social Security benefit.
9. Couples Have Extra Options
FINANCIAL ACADEMY SCHOOL
Spouses are entitled to Social Security benefits of up to 50 percent of the higher earner's check if that
amount is higher than the payments based on his or her own working record.
Additionally, dual-earner couples who have reached their full retirement age can even claim twice by first
signing up for a spousal payment, then claiming again later based on their own work record (which will
then be higher due to delayed claiming).
10. Social Security Numbers Have Significance //
FINANCIAL ACADEMY SCHOOL
The first three digits of your Social Security number are assigned based on geographical region, with the
lowest numbers being assigned in the Northeast and increasingly higher numbers assigned to residents
in the West.
The middle two digits, called the group number, are allocated in a precise but nonconsecutive order
between 01 and 99.
The last four digits are issued in a sequential order. Over 420 million unique numbers have been issued
and they are not reused after a person's death. // FINANCIAL ACADEMY SCHOOL.
Social Security Benefits: 12 Things You Must to Know About.--.
..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 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..
'' Social Security Administration:
Guess What? You have an
account with this agency. Here
you can get more information -
Change address - Set Direct
Deposit - Obtain payment
Information - Obtain a Copy Of
SSA-10999 = OR SSA-1042S -
Check Benefit Verification etc.
RIGHT HERE, RIGHT NOW...
Guess What? You have an
account with this agency. Here
you can get more information -
Change address - Set Direct
Deposit - Obtain payment
Information - Obtain a Copy Of
SSA-10999 = OR SSA-1042S -
Check Benefit Verification etc.
RIGHT HERE, RIGHT NOW...
'' Social Security Administration: Guess What? You have an
account with this agency. Here you can get more information -
Change address - Set Direct Deposit - Obtain payment
Information - Obtain a Copy Of SSA-10999 = OR SSA-1042S -
Check Benefit Verification etc. RIGHT HERE, RIGHT NOW...
account with this agency. Here you can get more information -
Change address - Set Direct Deposit - Obtain payment
Information - Obtain a Copy Of SSA-10999 = OR SSA-1042S -
Check Benefit Verification etc. RIGHT HERE, RIGHT NOW...
| '' Social Security Administration: Guess What? You have an account with this agency. Here you can get more information - Change address - Set Direct Deposit - Obtain payment Information - Obtain a Copy Of SSA-10999 = OR SSA-1042S - Check Benefit Verification etc. RIGHT HERE, RIGHT NOW... |
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| SOUTH FLORIDA, FOR ANY QUESTIONS REGARDING: LIFE INSURANCE POLICY, REAL ESTATE BUYING, SELLING, AND INVESTING; CONTACT ANTHONY JEANTY, YOUR NEIGHBORHOOD AGENT AT: 786-631-7740 = DISREGARD ALL OTHER # NUMBERS IN THIS SITE. YOUR ONLY NUMBER IS: 786-631-7740 == |
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Retirement Accounts Explain BY: Knowledge Financial Group And Certainly by:
Visionone Holding Company --
Backdoor Roth IRA:
A Roth IRA is a great option than a traditional IRA if you anticipate to pay a higher income when you retire.
This means that either you have a huge retirement plan provided by your employer, or you are expecting other non-retirement income
as well such as residual income from a business, lottery winnings or other investments.
----------------
What Is a Backdoor Roth IRA?
A backdoor Roth IRA, it is an informal name for a complicated, IRS-sanctioned method for high-income taxpayers to fund a Roth IRA, even
if their income is higher than the maximum the IRS allows for regular Roth contributions.
Backdoor Roth IRAs are not a special type of account; rather, they are usually traditional IRA accounts or 401(k)s which have been
converted to Roth IRAs.
A backdoor Roth IRA is a legal way to get around the income limits that normally restrict high-earners from contributing to Roths.
A backdoor Roth IRA is not a tax dodge—in fact, it might incur higher taxes when it's established—but it does provide investors with
future tax savings.
==============
Advantages of a Backdoor Roth IRA
Aside from getting around the limits, why would taxpayers want to take the extra steps involved in doing the backdoor Roth IRA dance?
For one thing, Roth IRAs don’t have required minimum distributions (RMDs), which means account balances can see tax-deferred growth
for as long as the account holder is alive. You can take out as much or as little as you want when you want, or leave it all for your heirs.
Another reason is that a backdoor Roth contribution can mean significant tax savings over the decades since Roth IRA distributions,
unlike traditional IRA distributions, are not taxable. The main advantage of a backdoor Roth IRA—as with Roths in general—is that you
pay taxes upfront on your contributions, and everything after that is tax-free.
Backdoor Roth IRA: What It Is and How to Set One Up
A backdoor Roth IRA lets you convert your traditional IRA to a Roth, even if your income is too high to open a Roth IRA the regular way.
Understanding Backdoor Roth IRAs
A backdoor Roth IRA is a way for people with high incomes to sidestep the Roth’s income limits.
Basically, a backdoor Roth IRA boils down to some fancy administrative work: You put money in a traditional IRA, convert the account to a
Roth IRA, pay some taxes and you’re done. Even though you didn’t qualify to contribute to a Roth, you get to go in the back door anyway,
no matter what your income.
That’s good news, because your money grows tax-free
A Roth IRA lets taxpayers set aside a few thousand dollars into a special retirement savings account, in which the assets grow, and
eventually can be withdrawn, without incurring any income tax.
The problem: People who earn more than a certain amount aren’t allowed to open or fund Roth IRAs—under the regular rules, anyway.
If your modified adjusted gross income is well into the six figures, the IRS starts phasing out the amount you can contribute; once your
annual income gets above a certain threshold, you cannot participate at all. The limits, which vary depending on your taxpayer status
(single, married filing jointly, etc.
However, traditional IRAs don't have these income limits. And since 2010, the IRS hasn’t had income limits that restrict who can convert a
traditional IRA to Roth IRA. As a result, the backdoor Roth has become an option for higher-income taxpayers who ordinarily couldn't
contribute to a Roth.
=============
How to Create a Backdoor Roth IRA
You can do a backdoor Roth IRA in one of several ways. The first method is to contribute money to an existing traditional IRA and then
roll over the funds to a Roth IRA account. Or, you can roll over existing traditional IRA money into a Roth—as much as you want at one
time, even if it's more than the annual contribution amount.
Another way is to convert your entire traditional IRA account to a Roth IRA account. Your IRA custodial bank or brokerage should be able
to help you with the mechanics.
A third way to make a backdoor Roth contribution is by making an after-tax contribution to a 401(k) plan and then roll it over to a Roth IRA.
Every investor is eligible to do one Roth IRA conversion a year.
=============
How to create a backdoor Roth IRA
Here’s a step-by-step guide on how to make a backdoor Roth IRA conversion:
Put money in a traditional IRA account. You might already have an account, or you might need to open one and fund it. (If you need to
open an account, see our picks for the best IRA providers.)
Convert the account to a Roth IRA. Your IRA administrator will give you the instructions and paperwork. If you don’t already have a Roth
IRA, you’ll open a new account during the conversion process.
Prepare to pay taxes. Only post-tax dollars go into Roth IRAs. So if you deducted your traditional IRA contributions and then decide to
convert your traditional IRA to a backdoor Roth, you’ll need to give that tax deduction back.
When it comes time to file your tax return, be prepared to pay income tax on the money you converted to a Roth. And see below for
details on the pro-rata rule, which plays a big part in determining your tax bill.
Prepare to pay taxes on the gains in your traditional IRA. If the money in that traditional IRA has been sitting there awhile and there are
investment gains, you’ll also owe tax on those gains at tax time.
----------
Mind the rules
Keep these rules in mind to avoid penalties:
Types of transfers.
The conversion needs to be one of the following: 1) a rollover, where you receive the money from your IRA and deposit it into the Roth
within 60 days, 2) a trustee-to-trustee transfer, where the IRA provider sends the money directly to your Roth IRA provider, or 3) a “same
trustee transfer,” where your money goes from the IRA to the Roth at the same financial institution.
The pro-rata rule. The IRS requires rollovers from traditional IRAs to Roth IRAs to be done pro rata. Here’s how it works: When
determining your tax bill on a conversion from a traditional IRA to a Roth IRA, the IRS is going to look at all of your traditional IRA
accounts combined. If all of your traditional IRAs combined consist of, say, 70% pre-tax money and 30% after-tax money, that ratio
determines what percentage of the money you convert to a Roth is going to be taxable.
In this example, no matter how much money you convert or which IRA account you pull the money from, 70% of the amount you convert to
the Roth will be taxable. You can’t choose to convert only after-tax money; the IRS won’t allow it.
And a word about timing: the IRS applies the pro-rata rule to your total IRA balance at year-end, not at the time of conversion.
================
Backdoor Roth IRA:
The Ultimate Roth IRA Conversion Guide – Everything You Need to Know
Roth IRAs don’t come with Required Minimum Distributions (RMDs) at age 72 like a traditional IRA either, so you can continue letting your
money grow until you’re ready to access it. When you do decide to take distributions from a Roth IRA, you won’t have to pay income
taxes on that money. You already paid income taxes before you contributed, remember?
Roth IRA Conversion Rules…
A conversion can get you into a Roth IRA—even if your income is too high. The conversion would be part of a 2-step process, often
referred to as a "backdoor" strategy. First, place your contribution in a traditional IRA—which has no income limits. Then, move the
money into a Roth IRA using a Roth conversion.
Conversion Rules You Need to Know
Though there are income limits that apply to contributing to a Roth IRA, these income limits do not apply to Roth IRA conversions. With
that in mind, here are some important Roth IRA conversion rules you need to learn and understand:
Which accounts can you convert?
While the most common Roth IRA conversion is one from a traditional IRA, you can convert other accounts to a Roth IRA. Any funds in a
QRP that are eligible to be rolled over can be converted to a Roth IRA.
-----------
60-day Rollover Rule
You can take direct delivery of the funds from your traditional IRA (check made payable to you personally), and then roll them over into a
Roth IRA account, but you must do so within 60 days of the distribution. If you don’t, the amount of the distribution (less non-deductible
contributions) will be taxable in the year received, the conversion will not take place, and the IRS 10% early distribution tax penalty will
apply.
--------------
Trustee-to-Trustee Transfer Rule
This is not only the easiest way to work the transfer but it also virtually eliminates the possibility that the funds from your traditional IRA
account will become taxable. You simply tell your traditional IRA trustee to direct the money to the trustee of your Roth IRA account, and
the whole transaction should proceed smoothly.
-------------------
Same Trustee Transfer
This is even easier than a trustee-to-trustee transfer because the money stays within the same institution. You simply set up a Roth IRA
account with the trustee who is holding your traditional IRA, and direct them to move the money from the traditional IRA into your Roth
IRA account.
-------------
Additional Details to Be Aware Of
Note that, if you don’t follow the rules outlined above and your money doesn’t get deposited into a Roth IRA account within 60 days, you
could be subject to a 10% penalty on early distributions as well as income taxes on the converted amounts if you’re under the age of 59
½.
And, as we already mentioned, you’ll have to pay income taxes on converted amounts regardless of which rule you choose to follow
above. You’ll report the conversion to the IRA on Form 8606 when you file your income taxes for the year of the conversion.
===============
SEP-IRA
A Simplified Employee Pension Individual Retirement Arrangement is a variation of the Individual Retirement Account used in the United
States. SEP IRAs are adopted by business owners to provide retirement benefits for themselves and their employees. There are no
significant administration costs for a self-employed person with no employees. If the self-employed person does have employees, all
employees must receive the same benefits under a SEP plan. Since SEP IRAs are a type of IRA, funds can be invested the same way as
most other IRAs.
-----------
Ultimate guide to retirement
A SEP IRA is a type of traditional IRA for self-employed individuals or small business owners. (SEP stands for Simplified Employee
Pension.) Any business owner with one or more employees, or anyone with freelance income, can open a SEP IRA.
Contributions, which are tax-deductible for the business or individual, go into a traditional IRA held in the employee's name. Employees
of the business cannot contribute - the employer does. Like a traditional IRA, the money in a SEP IRA is not taxable until withdrawal.
===============
SIMPLE IRA
A SIMPLE IRA is an employer-sponsored retirement plan offered within small businesses that have 100 or fewer employees.
A Savings Incentive Match Plan for Employees Individual Retirement Account, commonly known by the abbreviation "SIMPLE IRA", is a
type of tax-deferred employer-provided retirement plan in the United States that allows employees to set aside money and invest it to
grow for retirement.
Specifically, it is a type of Individual Retirement Account that is set up as an employer-provided plan. It is an employer sponsored plan,
like better-known plans such as the 401(k) and 403(b), but offers simpler and less costly administration rules, as it is subject to ERISA
and its associated regulations.
Like a 401(k) plan, the SIMPLE IRA can be funded with pretax salary reduction, but those contributions are still subject to Social Security,
Medicare, and Federal Unemployment Tax Act taxes. Contribution limits for SIMPLE plans are lower than for most other types of
employer-provided retirement plans as compared to conventional defined contribution plans like Section 402(g), 401(k), 401(a), and 403
(b) plans.
A SIMPLE IRA, or Savings Incentive Match Plan for Employees, is a type of tax-deferred retirement savings plan.
SIMPLE IRAs are easy to set up, and they can be a good option for small businesses.
They have some drawbacks, and businesses that can afford to set up other plans might consider it.
------------------
SIMPLE IRA:
How to Establish One
Employers establish the plan using Internal Revenue Service (IRS) Form 5304-SIMPLE if they want to allow employees to choose the
financial institution where they will hold their SIMPLE IRAs, or using Form 5305-SIMPLE if the employer wants to choose the financial
institution where employees will hold their IRAs.
Employees must fill out a SIMPLE IRA adoption agreement to open their accounts.
Once the plan is established, employers are required to contribute to it each year unless the plan is terminated.
----------------
SIMPLE IRA?
A SIMPLE IRA is a retirement savings plan that most small businesses with 100 or fewer employees can use. "SIMPLE" stands for
"Savings Incentive Match Plan for Employees," and "IRA" stands for "Individual Retirement Account." Employers can choose to make a
2% retirement account contribution to all employees or an optional matching contribution of up to 3%.
Employees can contribute a maximum of $13,500 annually in 2020; the maximum is increased periodically to account for inflation.
Retirement savers ages 50 and older may make an additional catch-up contribution of $3,000, bringing their annual maximum to $16,500.
----------------------
Visionone Holding Company --
Backdoor Roth IRA:
A Roth IRA is a great option than a traditional IRA if you anticipate to pay a higher income when you retire.
This means that either you have a huge retirement plan provided by your employer, or you are expecting other non-retirement income
as well such as residual income from a business, lottery winnings or other investments.
----------------
What Is a Backdoor Roth IRA?
A backdoor Roth IRA, it is an informal name for a complicated, IRS-sanctioned method for high-income taxpayers to fund a Roth IRA, even
if their income is higher than the maximum the IRS allows for regular Roth contributions.
Backdoor Roth IRAs are not a special type of account; rather, they are usually traditional IRA accounts or 401(k)s which have been
converted to Roth IRAs.
A backdoor Roth IRA is a legal way to get around the income limits that normally restrict high-earners from contributing to Roths.
A backdoor Roth IRA is not a tax dodge—in fact, it might incur higher taxes when it's established—but it does provide investors with
future tax savings.
==============
Advantages of a Backdoor Roth IRA
Aside from getting around the limits, why would taxpayers want to take the extra steps involved in doing the backdoor Roth IRA dance?
For one thing, Roth IRAs don’t have required minimum distributions (RMDs), which means account balances can see tax-deferred growth
for as long as the account holder is alive. You can take out as much or as little as you want when you want, or leave it all for your heirs.
Another reason is that a backdoor Roth contribution can mean significant tax savings over the decades since Roth IRA distributions,
unlike traditional IRA distributions, are not taxable. The main advantage of a backdoor Roth IRA—as with Roths in general—is that you
pay taxes upfront on your contributions, and everything after that is tax-free.
Backdoor Roth IRA: What It Is and How to Set One Up
A backdoor Roth IRA lets you convert your traditional IRA to a Roth, even if your income is too high to open a Roth IRA the regular way.
Understanding Backdoor Roth IRAs
A backdoor Roth IRA is a way for people with high incomes to sidestep the Roth’s income limits.
Basically, a backdoor Roth IRA boils down to some fancy administrative work: You put money in a traditional IRA, convert the account to a
Roth IRA, pay some taxes and you’re done. Even though you didn’t qualify to contribute to a Roth, you get to go in the back door anyway,
no matter what your income.
That’s good news, because your money grows tax-free
A Roth IRA lets taxpayers set aside a few thousand dollars into a special retirement savings account, in which the assets grow, and
eventually can be withdrawn, without incurring any income tax.
The problem: People who earn more than a certain amount aren’t allowed to open or fund Roth IRAs—under the regular rules, anyway.
If your modified adjusted gross income is well into the six figures, the IRS starts phasing out the amount you can contribute; once your
annual income gets above a certain threshold, you cannot participate at all. The limits, which vary depending on your taxpayer status
(single, married filing jointly, etc.
However, traditional IRAs don't have these income limits. And since 2010, the IRS hasn’t had income limits that restrict who can convert a
traditional IRA to Roth IRA. As a result, the backdoor Roth has become an option for higher-income taxpayers who ordinarily couldn't
contribute to a Roth.
=============
How to Create a Backdoor Roth IRA
You can do a backdoor Roth IRA in one of several ways. The first method is to contribute money to an existing traditional IRA and then
roll over the funds to a Roth IRA account. Or, you can roll over existing traditional IRA money into a Roth—as much as you want at one
time, even if it's more than the annual contribution amount.
Another way is to convert your entire traditional IRA account to a Roth IRA account. Your IRA custodial bank or brokerage should be able
to help you with the mechanics.
A third way to make a backdoor Roth contribution is by making an after-tax contribution to a 401(k) plan and then roll it over to a Roth IRA.
Every investor is eligible to do one Roth IRA conversion a year.
=============
How to create a backdoor Roth IRA
Here’s a step-by-step guide on how to make a backdoor Roth IRA conversion:
Put money in a traditional IRA account. You might already have an account, or you might need to open one and fund it. (If you need to
open an account, see our picks for the best IRA providers.)
Convert the account to a Roth IRA. Your IRA administrator will give you the instructions and paperwork. If you don’t already have a Roth
IRA, you’ll open a new account during the conversion process.
Prepare to pay taxes. Only post-tax dollars go into Roth IRAs. So if you deducted your traditional IRA contributions and then decide to
convert your traditional IRA to a backdoor Roth, you’ll need to give that tax deduction back.
When it comes time to file your tax return, be prepared to pay income tax on the money you converted to a Roth. And see below for
details on the pro-rata rule, which plays a big part in determining your tax bill.
Prepare to pay taxes on the gains in your traditional IRA. If the money in that traditional IRA has been sitting there awhile and there are
investment gains, you’ll also owe tax on those gains at tax time.
----------
Mind the rules
Keep these rules in mind to avoid penalties:
Types of transfers.
The conversion needs to be one of the following: 1) a rollover, where you receive the money from your IRA and deposit it into the Roth
within 60 days, 2) a trustee-to-trustee transfer, where the IRA provider sends the money directly to your Roth IRA provider, or 3) a “same
trustee transfer,” where your money goes from the IRA to the Roth at the same financial institution.
The pro-rata rule. The IRS requires rollovers from traditional IRAs to Roth IRAs to be done pro rata. Here’s how it works: When
determining your tax bill on a conversion from a traditional IRA to a Roth IRA, the IRS is going to look at all of your traditional IRA
accounts combined. If all of your traditional IRAs combined consist of, say, 70% pre-tax money and 30% after-tax money, that ratio
determines what percentage of the money you convert to a Roth is going to be taxable.
In this example, no matter how much money you convert or which IRA account you pull the money from, 70% of the amount you convert to
the Roth will be taxable. You can’t choose to convert only after-tax money; the IRS won’t allow it.
And a word about timing: the IRS applies the pro-rata rule to your total IRA balance at year-end, not at the time of conversion.
================
Backdoor Roth IRA:
The Ultimate Roth IRA Conversion Guide – Everything You Need to Know
Roth IRAs don’t come with Required Minimum Distributions (RMDs) at age 72 like a traditional IRA either, so you can continue letting your
money grow until you’re ready to access it. When you do decide to take distributions from a Roth IRA, you won’t have to pay income
taxes on that money. You already paid income taxes before you contributed, remember?
Roth IRA Conversion Rules…
A conversion can get you into a Roth IRA—even if your income is too high. The conversion would be part of a 2-step process, often
referred to as a "backdoor" strategy. First, place your contribution in a traditional IRA—which has no income limits. Then, move the
money into a Roth IRA using a Roth conversion.
Conversion Rules You Need to Know
Though there are income limits that apply to contributing to a Roth IRA, these income limits do not apply to Roth IRA conversions. With
that in mind, here are some important Roth IRA conversion rules you need to learn and understand:
Which accounts can you convert?
While the most common Roth IRA conversion is one from a traditional IRA, you can convert other accounts to a Roth IRA. Any funds in a
QRP that are eligible to be rolled over can be converted to a Roth IRA.
-----------
60-day Rollover Rule
You can take direct delivery of the funds from your traditional IRA (check made payable to you personally), and then roll them over into a
Roth IRA account, but you must do so within 60 days of the distribution. If you don’t, the amount of the distribution (less non-deductible
contributions) will be taxable in the year received, the conversion will not take place, and the IRS 10% early distribution tax penalty will
apply.
--------------
Trustee-to-Trustee Transfer Rule
This is not only the easiest way to work the transfer but it also virtually eliminates the possibility that the funds from your traditional IRA
account will become taxable. You simply tell your traditional IRA trustee to direct the money to the trustee of your Roth IRA account, and
the whole transaction should proceed smoothly.
-------------------
Same Trustee Transfer
This is even easier than a trustee-to-trustee transfer because the money stays within the same institution. You simply set up a Roth IRA
account with the trustee who is holding your traditional IRA, and direct them to move the money from the traditional IRA into your Roth
IRA account.
-------------
Additional Details to Be Aware Of
Note that, if you don’t follow the rules outlined above and your money doesn’t get deposited into a Roth IRA account within 60 days, you
could be subject to a 10% penalty on early distributions as well as income taxes on the converted amounts if you’re under the age of 59
½.
And, as we already mentioned, you’ll have to pay income taxes on converted amounts regardless of which rule you choose to follow
above. You’ll report the conversion to the IRA on Form 8606 when you file your income taxes for the year of the conversion.
===============
SEP-IRA
A Simplified Employee Pension Individual Retirement Arrangement is a variation of the Individual Retirement Account used in the United
States. SEP IRAs are adopted by business owners to provide retirement benefits for themselves and their employees. There are no
significant administration costs for a self-employed person with no employees. If the self-employed person does have employees, all
employees must receive the same benefits under a SEP plan. Since SEP IRAs are a type of IRA, funds can be invested the same way as
most other IRAs.
-----------
Ultimate guide to retirement
A SEP IRA is a type of traditional IRA for self-employed individuals or small business owners. (SEP stands for Simplified Employee
Pension.) Any business owner with one or more employees, or anyone with freelance income, can open a SEP IRA.
Contributions, which are tax-deductible for the business or individual, go into a traditional IRA held in the employee's name. Employees
of the business cannot contribute - the employer does. Like a traditional IRA, the money in a SEP IRA is not taxable until withdrawal.
===============
SIMPLE IRA
A SIMPLE IRA is an employer-sponsored retirement plan offered within small businesses that have 100 or fewer employees.
A Savings Incentive Match Plan for Employees Individual Retirement Account, commonly known by the abbreviation "SIMPLE IRA", is a
type of tax-deferred employer-provided retirement plan in the United States that allows employees to set aside money and invest it to
grow for retirement.
Specifically, it is a type of Individual Retirement Account that is set up as an employer-provided plan. It is an employer sponsored plan,
like better-known plans such as the 401(k) and 403(b), but offers simpler and less costly administration rules, as it is subject to ERISA
and its associated regulations.
Like a 401(k) plan, the SIMPLE IRA can be funded with pretax salary reduction, but those contributions are still subject to Social Security,
Medicare, and Federal Unemployment Tax Act taxes. Contribution limits for SIMPLE plans are lower than for most other types of
employer-provided retirement plans as compared to conventional defined contribution plans like Section 402(g), 401(k), 401(a), and 403
(b) plans.
A SIMPLE IRA, or Savings Incentive Match Plan for Employees, is a type of tax-deferred retirement savings plan.
SIMPLE IRAs are easy to set up, and they can be a good option for small businesses.
They have some drawbacks, and businesses that can afford to set up other plans might consider it.
------------------
SIMPLE IRA:
How to Establish One
Employers establish the plan using Internal Revenue Service (IRS) Form 5304-SIMPLE if they want to allow employees to choose the
financial institution where they will hold their SIMPLE IRAs, or using Form 5305-SIMPLE if the employer wants to choose the financial
institution where employees will hold their IRAs.
Employees must fill out a SIMPLE IRA adoption agreement to open their accounts.
Once the plan is established, employers are required to contribute to it each year unless the plan is terminated.
----------------
SIMPLE IRA?
A SIMPLE IRA is a retirement savings plan that most small businesses with 100 or fewer employees can use. "SIMPLE" stands for
"Savings Incentive Match Plan for Employees," and "IRA" stands for "Individual Retirement Account." Employers can choose to make a
2% retirement account contribution to all employees or an optional matching contribution of up to 3%.
Employees can contribute a maximum of $13,500 annually in 2020; the maximum is increased periodically to account for inflation.
Retirement savers ages 50 and older may make an additional catch-up contribution of $3,000, bringing their annual maximum to $16,500.
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// Self Retired IRA // 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 = //
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 = //
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Knowledge Research Invention And Discovery.
Saving and Investing - Financial Knowledge,
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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.
--
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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. --
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How to Make Money in Real Estate: 10 basic Ways ...
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Determining the cost of and the return on an investment property are just as important as figuring out its value.''
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Owning a home is a pricey endeavor. It requires attention and upkeep simply because things get old a need to be
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