 |
|
|
|
Information on mortgages, home equity loans, and consumer credit to help you use the power of financing to your advantage.
|
|
|
|
|
|
|
|
|
|
|
|
|
• Protect Your Pension - A Quick Reference Guide. If you kept your life savings in a cookie jar, you would need a very large watchdog to keep the money safe. Like millions of Americans, a large part of your savings may be in a pension fund sponsored by a private corporation or union. The task of protecting that money may require policing your plan as well as those who operate it and make investments on its behalf. You have to be your own watchdog.
• Women and Retirement Savings. Planning and saving for retirement may seem like a goal thatís far in the future. Yet saving, especially for retirement, should start early and continue throughout your lifetime. Here are four reasons why saving matters for women ó and especially for you!
• Top 10 Ways to Beat the Clock and Prepare for Retirement. Retirement is expensive. Experts estimate that you'll need about 70% of your pre-retirement income-lower earners, 90% or more - to maintain your standard of living when you stop working. Understand your financial future.
• Why Commercial Real Estate is the Hottest Retirement Asset.
For small business owners, commercial real estate investment is the hottest new retirement asset. If your mind has already jumped to “REITs” — or shares in Real Estate Investment Trusts — think again. I’m referring to the ownership of the commercial facilities small business owners currently lease, or new commercial facilities they can buy or develop.
• Retirement Tips for Individuals. "I think I can save $25 a paycheck." It's easy to procrastinate so set up a "painless" payroll deduction for saving. It doesn't matter if the money goes into a 401(k) plan, an IRA or into a plain, old-fashioned savings account, just start saving. You can start with a small amount and increase it whenever your circumstances allow - like when you get a raise, your car payments end or you get a bonus. Pay yourself now, you'll thank yourself later.
• Types of Retirement Plans. The Employee Retirement Income Security Act (ERISA) covers two types of pension plans: defined benefit plans and defined contribution plans.
• 10 Common Causes of Errors in Pension Calculation.
• Planning Your Estate. Planning your estate is to distribute your assets according to your wishes after your death. Successful estate planning transfers your assets to your beneficiaries quickly and usually with minimal tax consequences. The process of estate planning includes inventorying your assets and making a will and/or establishing a trust, often with an emphasis on minimizing taxes. This pamphlet provides only a general overview of estate planning. You should consult an attorney, or perhaps a CPA or tax advisor for additional guidance.
• Frequently Asked Questions about Cash Balance Pension Plans.
What is a cash balance plan?
There are two general types of pension plans-Defined Benefit Plans and Defined Contribution Plans. In general, defined benefit plans provide a specific benefit at retirement for each eligible employee, while defined contribution plans specify the amount of contributions to be made by the employer toward an employeeís retirement account. In a defined contribution plan, the actual amount of retirement benefits provided to an employee depends on the amount of the contributions as well as the gains or losses of the account.
Retirement Calculators
• Retirement Planner Quickly determine if your retirement plan is on track - and learn how to keep it there.
• Social Security Benefits Use this calculator to estimate your Social Security benefits.
• Stock Calculator Use this calculator to estimate net gains/loss from the sale of stock.
• Estate Tax Planning Knowing your potential estate tax liability is a great place to start your estate tax plan. Use this calculator to estimate your estate tax liability.
• Cool Million Find out when your savings plan may make you a millionaire!
• Life Insurance Calculator.How much life insurance do you really need? Find out here!
|
|
|
|
|
|
|
|
|
|
|
|
| ©2005 Lendingtips.com All rights reserved. |
|
|
Lendingtips.com 464 Oak Avenue Naples, FL 34108
Phone (239)877-7835 Fax (239)594-5686
|
|
|
|
|
