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1. Bookmarks: 11 Risk Management: Income, 401k, and IRA Programs Sooner or later, every investment program (particularly your IRA and 401k) becomes a Retirement Income Program. If Retirement Income Readiness is one of the initial investment plan objectives, income purpose securities will have a place in the portfolio from the very beginning.
2. Bookmarks: 2 Retirement Ready Income Investing: What's In Your Wallet? What good is wealth without income? Your 401k program is NOT retirement ready... even the most popular 2017 Target Date Fund is heavy into the Stock Market. Steve Selengut has been a hands-on, income focused, portfolio manager since 1979. This is the information you need to get from your 401k balances to retirement income independence.
3. Bookmarks: 0 What Your Mother Never Told You About Income Investing: Twenty Questions (1 thru 6) Investors are a very dependent group of people, particularly now that most employed persons have been given the responsibility of directing their own savings and investment programs for retirement. Mother Wall Street has monopolized this huge market, and nursed its children first on Mutual Funds and now on derivative betting mechanisms they call index ETFs ---the unhealthy investment equivalent of a diet of fast food, limited protein, and high energy fusion products.
4. Bookmarks: 4 A Dark Future For IRAs and 401(k)s? Dr. Ghilarducci has presented a socialist solution to a problem that could easily be dealt with using rudimentary controls that would limit the amount of risk allowed inside these tax deferred savings devices. She also ignores the fact that most self-directed money lies in voluntary, privately sponsored, employee benefit programs--- emphasis on voluntary and private.
5. Bookmarks: 0 Managing the Income Portfolio 101 The reason people assume the risks of investing in the first place is the prospect of achieving a higher rate of return than is attainable in a risk free environment --- an FDIC insured bank account. Risk comes in various forms, but the average investor’s primary concerns are “credit” and “market” risk, particularly when it comes to investing for income.
6. Bookmarks: 2 Crisis Investing: Are YOU Ready? Why are investors afraid (shocked, confused, overwhelmed, angry) about stock market corrections? Here are links to five assessments of the correction phase of the market cycle that may just clear their heads about these periodic gifts from the Investment Gods. How so YOU spell correction?
7. Bookmarks: 0 Trading Your Way To A Secure Retirement Income Attention traders! You can bring your well honed equity skills to the most conservative securities on the planet and absolutely grow a secure retirement income at the very same time. Managed Closed End Funds (CEFs) trade in the same way as common stocks, and on the same exchanges.
8. Bookmarks: 6 Purpose Based Asset Allocation: The Working Capital Model Asset Allocation is an Investment Planning Tool, not an Investment Strategy. WCM facilitates long term, retirement income, investment planning by focusing on selection quality, issue diversification, and annual growth of both base income and invested capital. Neither market value nor the calendar year are perceived as relevant decision making criteria.
9. Bookmarks: 3 Create Reliable Income: 6% Tax Free; 7% to 8% Taxable This program explains the process within Market Cycle Investment Management retirement income portfolios. This unique approach to income generation boasts a 40 year+ track record of consistent income payments; it is a perfect 401k rollover vehicle... producing multiples of 401k Target Date Fund Income programs.
10. Bookmarks: 0 Stock Market: Thirteen Months Down, And Now... Brexit Neither a stock market downturn (not even Brexit) nor higher interest rates will have a significant negative impact on my retirement income; they could, in fact, allow me to grow that income even faster!
11. Bookmarks: 0 Retirement Income Investing Article Library Retirement income planning starts with the first dollar you invest... IRA, 401k, 403b, savings plan, brokerage account, whatever. These articles explain both characteristics and performance expectations. Most importantly, they define purpose. The collection will help you do the job better... in some instances, by viewing the antics of the not so distant past.
12. Bookmarks: 0 Retirement Ready Income Investing Programs If your portfolio has less than 40% invested for income, it is far more speculative than you think.
13. Bookmarks: 0 What Your Mother Never Told You About Income Investing: Twenty Questions (16 thru 20) But, and this is about the biggest news in the history of the financial markets, news that was totally ignored by the financial media: the income generated by taxable income CEFs (other than REITs and mortgage heavy investment funds) actually increased during the financial crisis. The same result was experienced in the Tax Free arena, but with no exceptions at all.
14. Bookmarks: 6 Retirement Income Avenues to becoming Retirement Income Ready. After forty years of investing, a few things become crystal clear: you need to focus on quality, individual securities, diversify intelligently, and develop a lifetime supply of income. I call these principles The Big Three or the QDI. Just like the ice cream brick of my youth, it's just not right without all three flavors. The investment puzzle becomes easier to solve if you have a handle on all the pieces.
15. Bookmarks: 0 Income Closed End Funds & Total Return Analysis If interest rates rise, the market values of these investments will go down BUT the income from the securities (and their safety vis-a-vis equities) will not change; if interest rates fall forcing prices up, I may feel richer, BUT MY INCOME WILL NOT CHANGE. My Total Return may move in either direction but THE INCOME WILL NOT CHANGE.
16. Bookmarks: 0 The Self Directed “Retirement Ready” 401k Recently, it was proven to me fairly conclusively, that no product specializing in top tier S & P, dividend paying companies in combination with a diversified collection of Closed End Income Funds yielding over 6% (after expenses) will ever gain traction in the “good ‘ole big boys club” described as the 401k space.
17. Bookmarks: 1 Sanco Services Sanco Services is an investment portfolio consulting firm specializing in asset allocation, portfolio design, and trading techniques.
18. Bookmarks: 1 MCIM Methodology Retirement Income Portfolios -Check It Out The MCIM methodology combines risk minimization, asset allocation, equity trading, investment grade value stock (IGVSI) investing, and base income generation in a methodology that embraces the cyclical nature of markets, interest rates, and economies. MCIM produces Retirement Income Readiness.
19. Bookmarks: 0 Let’s K.I.S.S. Social Security Goodbye: Part 3 Any established and profitable Financial Institution will be able to offer a single Social Security Retirement Program. Every participating institution will use the same general plan to provide the benefit levels established by the Social Security Administration in pretty much the same manner as they are now.
20. Bookmarks: 0 Let’s K.I.S.S. Social Security Goodbye: Part 4 All eligible providers will be required to accommodate Social Security Retirement Accounts, and will do so through a separate organizational entity or department with no other responsibilities.
21. Bookmarks: 0 What Do The Top 100 Newspaper Business Editors Have In Common, Besides Arrogance Should the country's biggest newspaper business editors be interested in a better way to manage investment portfolios than mutual funds or Modern Portfolio Theory speculations about the future? Should they care about an old approach to investing that actually takes advantage of the market cycle? Should they be tired of promulgating the same old and tired Wall Street advice that always seems to take investors in the wrong direction. Yeah, they should.
22. Bookmarks: 0 Your Investment Portfolio 2013: Market Cycle Investment Management Users 2013 was a great year for the stock market and a terrible year for the fixed income market... you have benefited from both, and are prepared for directional changes in either. When you invest conservatively, recognizing that you are in a long term program with specific goals, performance is measured in terms of profits taken, income produced, and preparations for changing scenarios.
23. Bookmarks: 0 Trading The 401k Portfolio - Part II Retirement plan investment portfolios are managed to produce the promised income; 401k plans make no promises and do not seem to make much of an effort to offer income focused investment products. The income produced by the highest yielding (highest risk) mutual funds is generally lower than that which can be obtained from lower income tier Closed End Funds (CEFs).
24. Bookmarks: 2 Market Cycle Investment Management Thinking Whatever happened to the Stock Market Cycle; the Interest Rate Cycle; Baby Jane? How did Wall Street get away with pushing these facts of financial life down the basement stairs? Most investors, and some financial advisers, media representatives, and market gurus have abandoned these fascinating curves for the comfort of a straight-edged twelve-month playing field... simple, yes; realistic, not.
25. Bookmarks: 18 Value Stock Buy List Program - What's all the Excitement About? Investor's are discovering an Investment Grade Value Stock Selection and Trading Strategy that makes sense. Merritt Information Strategies has developed a multiple level spreadsheet program that allows you to implement the Market Cycle Investment Management methodology documented in The Brainwashing of the American Investor, inexpensively and productively, on your own PC, whenever...
26. Bookmarks: 1 MCIM Strategies Produce Better Retirement Income The Market Cycle Investment Management (MCIM) methodology for managed asset allocation was developed in the 1970s. The process combines risk minimization, base income generation, and disciplined trading strategies while focusing on the highest quality individual securities in the equity marketplace... plus a minimum 30% income purpose security bucket.
27. Bookmarks: 0 The Tax Free Income Closed End Fund Marketplace How could you not be interested in Tax Free Yields of roughly 7%? On programs that have been in operation for nearly 20 years? and which are generally paying more now than they did prior to the financial crisis?
28. Bookmarks: 0 Golf and Investing: Working The Ball The Working Capital Model is a boring, conservative methodology for lowering the slope rating of the most diabolical wealth accumulation courses. Market hazards are avoided with reasonable expectations, and retirement approach shots that grow the annual income chip by chip, throughout the wealth accumulation period.
29. Bookmarks: 6 Income Investing: Go Ask Alice When She's... Don't let uniformed thinking sabotage your retirement program; don't let the selfish advice of a product sharpshooter send you chasing rabbits when IRE (interest rate expectations) or other temporary market conditions shrink the market value of your income portfolio. Feed your head; feed---your---head. Income pays the bills, and if the income level is both steady and adequate, there is no need to change investments.
30. Bookmarks: 0 Income CEF Price Volatility ROCKS! MCIM portfolios include 30% Income Purpose securities (based on Working Capital), and never own non Investment Grade Value Stock equities. This translates into portfolios of high quality securities, each contributing to higher realized base income than that contained in market averages or blended Mutual Funds.
31. Bookmarks: 0 The Flip Side of Rising Interest Rates... Much Higher Yields Note that Wall Street (and the DOL) have (purposely?) kept the investing public uninformed about the totally reasonable yields currently (and historically, before, during, and since the financial crisis) available using Closed End Income Funds... CEF income investors have the ability to add to positions when prices fall (thus reducing cost basis and increasing yield),
32. Bookmarks: 0 Baby Boomer Alert: Prepare for the Dreaded RMD If you are within five years of retirement right now, at the top of a stock market cycle, what are you waiting for! Sell the Funds, sell the ETFs, and move into safer positions... if you can find them within the plan's product menu.
33. Bookmarks: 0 To Rollover 401k Plan Assets or Not To... That Is The Question Interestingly, all the major 401k product providers, also manage Closed End Fund product lines that generate generous income, even after higher fees. These fees, so important to regulators and politicians, are never paid by the recipients of the much higher income.
34. Bookmarks: 0 Caveat Employer: The DOL is Coming! The DOL is Coming! Generous employers give their employees money to invest along with their own, and the feds want them to guarantee that plan participants won't lose money... in the stock market! The regulators are missing the point, and a great opportunity to actually fix what is really wrong deep inside the 401k space. No one in the 401k business cares a lick about the retirement income benefits the plans could provide to employers and employees alike…
35. Bookmarks: 2 Manage Shock Market Corrections - Taking The Sting Away The Brainwashing of The American Investor: The Book That Wall Street Does Not Want YOU To Read provides the investing education you didn't get in college, or anywhere else. It helps you figure out what to do right now (feeling like a kid in a candy store)! A must re-read book with thirty four 5 and 4 star Amazon.com reviews.
36. Bookmarks: 0 Money Magazine 401k Investment Article Directory Market Cycle Investment Management is a unique, long-term trading approach that focuses on Investment Grade Value Stocks, the very highest quality NYSE, dividend paying companies. A wide variety of Income Closed End Funds is used to populate the Income Bucket of all portfolios. MCIM, the IGVSI, and income purpose investing is now available in 401k plans.
37. Bookmarks: 0 Successful Investing: Rules Of Engagement Crash! The 2007 thru 2008 financial crisis halved 401(k), IRA, and Mutual Fund values in a matter of months. For many, retirement dates had to be pushed back; for others, new jobs had to be found. The tragic flaw? No income allocation in the investment program. Market value builds egos; income pays the bills.
38. Bookmarks: 0 Market Expectation Survey (thirty seconds, max) The Stock Market is still rising, but some professionals are whispering correction. Has it started? Will the arrows ever turn south? Are you prepared? Please tell me how you are feeling about it right now.
39. Bookmarks: 0 401k Plans Are Retirement Programs - NOT So long as we are in an environment where retirement plan income (and principal in the case of all private plans) is subject to income taxation, 401(k) participants would be wise to establish an after tax income portfolio invested in tax exempt securities--- or to vote more selfishly.
40. Bookmarks: 0 New 401k Approach Focuses on Income Production and Correction Preparation 401(k) Savings Plans are great opportunities to build wealth, but they are not guaranteed pension programs and there are pitfalls. What if you are forced to retire at the bottom of a market cycle, or at a time of historically low interest rates? Qualified or not as an investor, you have to make your own 401(k) investment decisions.
41. Bookmarks: 0 Collective Investment Funds (CIFs) for Your Retirement Plans: Plan Sponsors, Principals, Advisors, Fiduciaries We all know that Mutual Funds, ETFs, and similar products don't prepare well for market downturns.... they are unable to take profits, build portfolio income, or hold equity smart cash that can be put back to work when the market falls. Collective Investment Trusts could be a solution to these problems... Active management and security transparency are the key differences.
42. Bookmarks: 0 Let's Make 401k Plans Behave More Like Retirement Plans Although it is true that you do not pay taxes on your contributions during the earning years, you will absolutely pay through both nostrils when you retire. If your karma is off, you may find yourself retiring at a time when the stock market is not in a party mood and your shrinking mutual funds don't seem quite as secure as they did a few months earlier. We can deal with the market cycle; a saner tax code is a much bigger problem
43. Bookmarks: 2 Making A Volatile Stock Market Your VBF (very best friend) Call it foresight, or hindsight if you want to be argumentative, but a long-term view of the investment process eliminates the guesswork and points pretty clearly toward a trading mentality that keys on the very natural volatility of the hundreds of investment grade value stocks out there for your portfolio building attention. Market Cycle Investment Management makes market volatility your Very Best Friend
44. Bookmarks: 3 Retirement Income Investment Planning Defined Contribution plans are just not retirement plans --- even if your employee benefits department, the media, Wall Street, and Uncle assure you that they are. Most plans are difficult to self-manage with a retirement income objective. Still, these benefit plans are necessary and quite capable of taking you close to where you want to be.
45. Bookmarks: 3 Income Investing Made Easy - Two Base income includes the dividends and interest produced by your portfolio, without the realized capital gains that may actually be the larger number much of the time. No matter how you slice it, your long-range comfort demands regularly increasing income, and by using your total portfolio cost basis as the benchmark, it's easy to determine where to invest your accumulating cash.
46. Bookmarks: 6 Income Investing Made Easy - One You don't have to be a professional Investment Manager to professionally manage your investment portfolio, but you do need to have a long term plan and know something about Asset Allocation --- a portfolio organization tool that is often misunderstood and almost always improperly used within the financial community. Remember, your unhappiness is Wall Street's most coveted asset. Don't humor them.
47. Bookmarks: 5 Solid Income Investments in Liquid Form: Managed Closed End Funds Unlike conventional mutual funds, CEFs do not issue and redeem shares directly with investors at net asset value. CEFs are listed on national securities exchanges, where shares of the Investment Company are purchased and sold in transactions with other investors, just like individual company stocks, and most often not at net asset value.
48. Bookmarks: 0 What Your Mother Never Told You About Income Investing: Twenty Questions (7 thru 15) Investors should certainly know the basics about what they are doing. Corporations raise capital for their operations by issuing common stock, or shares of ownership in the company. They also raise money by borrowing from banks, insurance companies, and the public through the use of debt instruments called bonds, debentures, notes, and others.
49. Bookmarks: 0 Managing the Income Portfolio - 201 With equities, take a reasonable profit (between 8 and 10%) as frequently as possible; with income CEFs, a year's income in advance is the acid test if under 10%. With a 40% income allocation, 40% of profits and dividends would be allocated to income securities and assures that income growth will happen.
50. Bookmarks: 0 Investment Portfolio Update: What's In Your Wallet? Market Cycle Investment Management (MCIM) portfolios are not equity only portfolios, so it makes little sense to compare their performance to stock market indices. MCIM portfolios are designed to grow income producing Working Capital in a higher quality, lower risk environment over the course of the investors life cycle. There are two distinctly different cycles at play here, all the time.
51. Bookmarks: 0 Life Cycle Portfolios Deliver Pension-Like Benefits: Free Webinar Mutual Fund managers can't beat the averages because the managers must do what unit holders tell them to do. They can't buy low and sell high, and they must buy high and sell low --- not what you would call a winning (or index beating) combination. What do you think will happen to ETF prices when there is a correction? Are they any different, even without a manager?
52. Bookmarks: 1 Investment IQ Test The Investment IQ Test is designed to gauge your understanding of the concepts and strategies needed to productively manage your portfolio in today's much too complex market environment. Naturally, it is based on Market Cycle Investment Management Methodology and the Working Capital Model operating system.
53. Bookmarks: 7 Private Workshops: You and Steve Selengut Private Workshops: You and Steve Selengut--- whatever you want to talk about. Your portfolio, your plans. How to increase your income. Getting ready for retirement. What Market Cycle Investment Management can do for you.
54. Bookmarks: 10 The Ten-Workshop Road to Better Investment Performance --- Yeah, They're FREE! Most investors jump into their investment programs without a clear understanding of the process, the securities, or the risks involved in the effort. Few hold valid expectations, and most choose to ignore the cyclical nature of the investment marketplace. This poor preparation is an endemic problem of our society, made profitable by Wall Street, for Wall Street.
55. Bookmarks: 0 Global Investors' Bill Of Rights May Prevent Economic Déjà Vu (February 2009) The purpose of IBOR is to protect financial markets and to create self-sufficient investors who produce economic growth instead of government deficits. IBOR standards create transparent financial markets, regulate speculation, and protect retirement portfolios. Here's a Summary:
56. Bookmarks: 0 How To Stimulate Consumer Spending And The Economy --- The Romney Plan? The single, easiest, fastest, biggest, consumer-spending instant winner bonanza is not even a twinkle in an old politician's eye --- and there are far too few new politicians. Replace the Social Security Retirement Program with a plain vanilla pension plan, pre-funded by smaller, mandated employee contributions.
57. Bookmarks: 1 Panama's Pensionado Program - Better Living In Paradise Panama Pensionado Program is a fairly unique method of getting a lifetime visa for retired persons. Not only is this a lifetime visa for yourself and dependents, but it comes with numerous discounts and benefits.
58. Bookmarks: 0 Panama - A Retirement Paradise The introduction article - the first one people see when they select Panama on the website
59. Bookmarks: 0 Las Tablas Panama Whether you are looking for a new place to retire or a new vacation home, Las Tablas Panama is a great choice!
60. Bookmarks: 0 Let’s K.I.S.S. Social Security Goodbye: Part 1 We need to simplify the benefit structure as well, to make it just a retirement program and not a Widows and Orphans Protection and Healthcare Society.
61. Bookmarks: 3 SIBORAP: The Securities Investors' Bill Of Rights - Part Four We the securities investors of the United States, in order to form more transparent financial markets, establish effective regulations, defend against destructive speculation and manipulation, promote financial well-being, preserve working capital, and protect retirement income...
62. Bookmarks: 3 The Securities Investors' Bill Of Rights (SIBORAP): Part Three We the securities investors of the United States, in order to form more transparent financial markets, establish effective regulations, defend against destructive speculation and manipulation, promote financial well-being, preserve working capital, and protect retirement income...
63. Bookmarks: 3 The Securities Investors' Bill Of Rights (SIBORAP): Part Two We the securities investors of the United States, in order to form more transparent financial markets, establish effective regulations, defend against destructive speculation and manipulation, promote financial well-being, preserve working capital, and protect retirement income...
64. Bookmarks: 3 SIBORAP: The Securities Investors' Bill Of Rights - Part One We the securities investors of the United States, in order to form more transparent financial markets, establish effective regulations, defend against destructive speculation and manipulation, promote financial well-being, preserve working capital, and protect retirement income...
65. Bookmarks: 0 A Conservative's Liberal Plan To Transform Social Security A Social Security Retirement Income Annuity, or SSRIA, invested 70% or more in government (all levels) guaranteed securities, could be phased in quickly as a mandatory replacement for the existing Social Security program. The personally owned SSRIA would also become a voluntary investment option for all self-directed programs and a guaranteed safe savings vehicle for after tax discretionary dollars.
66. Bookmarks: 0 An Investor's View of The Fair Tax: A 2012 Resolution A Government that bemoans the population's low savings and investment rates has only itself to blame. The majority of Americans would agree that investing, retirement planning, and estate preservation would be easier to manage if the Internal Revenue Code was comprehensible. A landslide of American voters would elect any candidate championing IRC replacement surgery.
67. Bookmarks: 5 Investor Political Priorities - A Survey - Part 2 Is it enough to say that we tax pension and other retirement income, including the sacred pittance from Social Security. The income tax needs to be revised, reformed, or replaced by something. Eliminating the tax on all forms of retirement and investment income, including capital gains, rents, royalties, etc. would have incredible positive effects (and would guarantee a Pennsylvania Avenue address for eight years).
68. Bookmarks: 0 Guaranteed Social Security Benefits: Finally, An Approptiate Use For (Fixed) Annuities What if, instead of donating 7.6% of your salary (15.3% if you are self employed) to support the war de jour: (a) you could choose to deposit from 3% to 5% of your salary in a guaranteed retirement program maturing anytime after age 60, (b) the lifetime benefit is totally income tax free, and (c) your employer uses his savings to either create jobs, raise non-executive salaries, reduce prices, or increase shareholder dividends. Interested?
69. Bookmarks: 1 Guaranteed Social Security Benefits - The Old Fashioned Way What if, instead of donating 7.6% of your salary (15.3% if you are self employed) to support the war de jour: (a) you could choose to deposit from 3% to 5% of your salary in a guaranteed retirement program maturing anytime after age 60, (b) the lifetime benefit is totally income tax free, and (c) your employer uses his savings to either create jobs, raise non-executive salaries, reduce prices, or increase shareholder dividends. Interested?
70. Bookmarks: 0 Panamanian Isthmus - A Tale of Treasure, Treasure Seekers, And Peoples Exploited Since 2004, significant concessions have been made by the Panamanian government to entice migration into Panama. Panama has since become one of the top retirement destinations for US and European citizens.
71. Bookmarks: 0 Hang On A Minute - The Mighty Dow Is Still 10% Below 2007 Levels! Do they think investors are stupid enough to get excited about this dismal performance? Particularly, when less than 20% of professionally managed equity funds did as well. And how about unmanaged ETFs? I haven't heard any claims of brilliance, have you?
72. Bookmarks: 0 Press Release: IGVSI Outperforms S & P 500 and DJIA By Significant Margins in 2011 Because the MCIM operating system demands buying on weakness (and because all securities produce income), positions are increased and new positions are added while others panic. A true MCIM user would be taking profits during rallies, in preparation for the next inevitable downturn --- it's part of the methodology.
73. Bookmarks: 3 Stock Market Perspective 2011 --- Some Things to Think About Always, every time and without exception, the general media has predicted the end of the financial world, financial experts have pointed out the remarkable differences from the last correction, and investors everywhere have been encouraged to take their losses and sit on cash or gold until the smoke clears. Every time, the short sighted fear mongers have been wrong. Not just most of the time mind you --- absolutely all of the time.
74. Bookmarks: 5 Retire Social Security Debt and Save The Economy --- What If? What if the US Government sold the Social Security system/employees/buildings/DEBT/etc. to Insurance/Annuity industry companies for the amount of the debt plus a few billion --- all in cash plus secured debt of the hundreds of companies involved in the purchase? Is this a guaranteed winner for a presidential candidate or what?
75. Bookmarks: 1 Investment Grade Value Stocks At Highest Levels Ever! IGVSI Eclipses 2007 All Time High --- above 2007 levels since mid-February 2011 --- now up 6.9%; ahead of DOW and S & P by roughly 19%. Market Cycle Investment Management Model Portfolios build upon 18% gain in 2010. S & P 500 and mighty DOW lag the IGVSI, need average of 14% more just to equal 2007 levels.
76. Bookmarks: 5 Press Release: MCIM Portfolios Rally To Three Year High Levels, Powered By IGVSI Stocks and Income CEFs - S & P Down 19% The Market Cycle Investment Management methodology combines risk minimization, asset allocation, equity trading, investment grade value stock investing, and base income generation in a time frame that recognizes and embraces the reality of cycles. What's in your portfolio?
77. Bookmarks: 1 Fate - How It Changes Our Plans All of us are working towards some goals. All of us have some plans for our life. We plan for our future, our children, our career and retirement.
78. Bookmarks: 0 401k Retirement Plans Explained 401k retirement plans are special types of accounts, financed through pre-tax payroll deductions. The funds in your account are invested in various ways. Your funds can be invested through any number of stocks, mutual funds, and other ways, and it is not taxed on any capital gains or interest until the money is pulled out or withdrawn. Congress approved this retirement savings plan in 1981, and its name was rooted from the section of the Internal Revenue Code that contains it...
79. Bookmarks: 0 Asia, The Best Travel Destination Asia is the most beautiful, the most exciting, the most user friendly Continent on earth. This paradise is real, and affordable, for travel short term, long term, and for retirement. Use not just one country, but an entire continent to fulfill your travel and retirement dreams!
80. Bookmarks: 0 Simplifying A Difficult Senior Planning Decision: The Family Home As Father Time marches on, the question of what to do with the home becomes a greater concern. In some cases, ruminating on the alternatives can dominate one's thinking. If a person is aware of the various options and chooses a path that makes the most sense, peace of mind can often be the result.Studies have shown that 90% of married couples and 62% of single persons reach retirement owning their own homes. Coupled with non-monetary considerations of whether to stay or s...
81. Bookmarks: 4 How To Eliminate Capital Gains Tax First off I will give a short summary of the Capital Gains Elimination Trust (CGET). Then, I will provide some details about how it works and conclude with a case study as an example of how someone might use this. Summary:The Capital Gains Elimination Trust is better known as a Charitable Remainder Trust. How this works is one would deposit highly appreciated assets into the CGET. The trust sells the assets and pays no capital gains tax. You then get to withdraw an...
82. Bookmarks: 0 The Mystery Of Making Money One of the great mysteries of life concerns making money. How can you produce that sufficient capital in order to live well, pay all the bills, and have funds left over for retirement? Well, there is no simple answer to this question. The fact is, there are a number of them. For example, I make money dealing with stocks. Many Americans dabble in the stock market these days in order to invest for the future. I make money via the Internet with a variety of jobs that involve wor...
83. Bookmarks: 2 Retirees Should Use Stocks For Retirement Income An issue that plagues many retirees is how to manage retirement income in the face of the increasing cost of living. Even with moderate inflation, costs of living tend to increase over time. This can reduce the retirement income retirees can obtain from fixed income investments, even while they must meet higher expenses. Where can you find a source of retirement income that can keep of with inflation, along with your expenses?Our suggestion: consider putting some of your ...
84. Bookmarks: 3 How To Invest Your Money Safely When it comes to making investments, most people know that there is always room for a possible loss. Stock market investments in particular are rather notorious for taking a rather well funded portfolio and emptying it rather quickly. Of course, that does not happen all the time, otherwise no one would do it. If, on the other hand, you do not want to take what many consider to be an unnecessary risk, there are a number of other investments that are reasonably safer, can still...
85. Bookmarks: 0 Buy To Let – Decision Time Maybe you’re planning ahead for your retirement? The popular choices for funding this important provision are mainly to be found in either the property market, via buy-to-let, or the stock market.Interestingly enough, if you’d invested £100,000 in residential property in 1983 it would have been worth around £555,000 by 2006, commercial property in that time would have risen from £100,000 to £997,000, whilst the same amount invested in a FTSE All Share tracker w...
86. Bookmarks: 0 Parkbridge Capital Has Eye on the Prize – Retirement Communities A slumping housing market, high energy costs, and turbulent financial markets are causing many baby boomers into more prudent choices for their retirement.
87. Bookmarks: 3 Congress Enacts New Laws Making Iras Better Than Ever! Have you heard of the non-deductible IRA? I'm not referring to the ROTH IRA, but a traditional IRA that many people are stuck with as their only option (for various reasons that make investing in other types of IRAs unavailable).In those cases, the IRS allows you to contribute to a traditional IRA, but NOT take a tax deduction for it.You still get tax-deferred growth, but during retirement your earnings (interest and capital gains) will be taxed, but not the contrib...
88. Bookmarks: 4 Retirement Income Planning: Mutual Funds Mutual funds are classified in three main categories that differ in regards to their risks, features and rewards. They are money market funds, bond funds, which also receive the name of “fixed income” and finally, stock funds, which are also called “equity funds”. Let’s take a deeper look at each one of them.
89. Bookmarks: 0 Annuities Those with fixed incomes or living on their retirement savings are often looking for a safe, low risk place to invest their money. They will often turn to annuities, which are sold through insurance companies.
90. Bookmarks: 0 The Reverse Mortgage-Fact & Fiction Planning for retirement can be a daunting task, long-term care, investments or annuities, lack of retirement income. These all lead to unnecessary frustration. A reverse mortgage could settle some of that headache.
91. Bookmarks: 0 Do You Know How Income Taxes Are Calculated? This is the first of a series of 2007 Tax reference sheets that I'll be sharing with you over the next month or so. This one focuses on some of the major federal income tax key numbers. I'll do future ones for estate planning, retirement planning and business planning in the not too distant future so stay tuned.Since federal income taxes are such a large part of most peoples life or expenditures, I thought that you might like a summary or reference sheet for some of the i...
92. Bookmarks: 0 Long Term Financial Planning Requires Careful Consideration The old adage says Haste makes Waste, and caution is your only friend. How true such a proverb is when it comes to the world of personal financial planning. Caution means that you stop and look at all options before making any decisions in order to ensure that more often than not the result is a sound decision with a positive outcome. This step is almost mandatory when dealing with issues of financial planning, 401(k)s, and future money needs like retirement funds, etc. P...
93. Bookmarks: 0 Life Insurance - One More Step On The Insurance Ladder The recently over 60’s are the post-war baby boomers. Their insurance needs are very different from that of a young family or someone just starting out in their first job.A typical 60 something couple will have raised their family, finished paying off their mortgage and are into or nearing retirement. More and more of this age group of people spend part of their year abroad or maybe are planning to move to the sunshine on a permanent basis.Maybe it would be a good ide...
94. Bookmarks: 0 Baby Boomers And RVs Central Florida has to be the RV capital of the world. If not, then it has to be right up there near the top. The great exodus from the north happens in late fall much like the migration of birds. Thus the term “snowbirds” was coined. Since the baby boomers have hit retirement age, things have really exploded. Had I been looking ahead, I would have jumped into the RV business years ago.The classified ads are full of RVs for sale, RV lots for sale, used RVs for sale, and R...
95. Bookmarks: 0 Lee Meekcoms Sees Housing and Recreation Trends Shift as Baby Boomers Enter Retirement With the first of the Baby Boomers cashing Social Security checks, it's not surprising that everyone from real estate investors to financial analysts are sitting up and taking notice.
96. Bookmarks: 0 Costa Rica Casinos Costa Rica, a small country in Central America, has gained a great deal of popularity, not also as a tourist destination, but also as a retirement paradise. The only type of gambling that is legal in Costa Rica is in casinos, of which there are over 30 in the country, the majority in San Jose, the capital. Costa Rica, or rich coast in Spanish, is considered the most politically stable country in Latin America, with perhaps the healthiest climate in the world, and one that w...
97. Bookmarks: 0 Rolling Over Your 401k Plan The Easy Way So what is a 401k retirement plan? A 401k plan is actually a retirement investments plan that is subsidized by employee or worker payments and often, corresponding involvements from your manager or employer. In addition, the most important draw for these plans is that the payments are taken from your pre-tax wage, and the funds rise tax-free until such time that it is withdrawn or pulled out. Also, the plans are, to some degree, independent and self-sufficient, and the good t...
98. Bookmarks: 0 Investing Your Self Directed IRA or 401K In Philippine Condotel Investment Real Estate People are beginning to catch on. A year or so ago, few people realized that they could manage their IRA investment portfolios themselves, and even fewer knew that they could invest their IRA retirement money in something other than stocks and bonds
99. Bookmarks: 10 Saving Money Is The Slow Path To Financial Freedom Getting a job and not spending all the money each month is the slowest, hardest, and least efficient way to build up a big pile of money. Saving money is a worthwhile net worth building activity, but it doesn’t offer much more than that unless your goal is only to have a little cash at the ever-increasing age of retirement. This is because wages are the most heavily taxed source of income. Income taxes (federal, state, and social security) choke off about 35% of this earn...
100. Bookmarks: 3 10 Steps To Save Your Retirement Many of the brightest and hardest-working marketing and advertising people in the country are obsessed with getting you to spend money and, if necessary, to go into debt to do so. Absolutely all the media that reach you every day are designed to get you to spend money. In order to save money in this environment, you will need determination to withstand the constant pressures to spend now.What is it that separates those who are successful from those who are not?Success...
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