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Tuesday, October 25, 2011

Grow & Protect Your Money WITHOUT Market RISK http://webprez.com/4150/4 http://amplify.com/u/a1fnbj
In a 2011 study by the National Institute on Retirement Security, 84% of respondents expressed concern that current economic conditions could affect their ability to retire comfortably, and 73% said stock market volatility makes it difficult to predict how much they could save by retirement.1 Clearly, uneven market performance has increased anxiety about having an adequate retirement income.



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The Dodd-Frank Wall Street Reform and Consumer Protection Act — signed into law by President Obama on July 21, 2010 — will likely revolutionize the country’s financial system. The sweeping legislation is the most far-reaching financial reform since the Great Depression, touching virtually every corner of the financial world.

The new law is designed to help shield consumers from abusive financial practices, protect taxpayers from funding bailouts for institutions considered “too big to fail,” and improve accountability and transparency in the financial system.



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The federal estate tax was repealed in 2010, then reinstated by the 2010 Tax Relief Act with new provisions for 2011 and 2012. These provisions include a higher exemption amount and a lower tax rate that could ease or eliminate the tax burden on many estates.



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Monday, October 24, 2011

Research across the board shows that seniors with close friends and families live longer happier lives. Whether you live on your own or in an assisted living community, active participation in social events lends itself to a better lifestyle. Recent research into the ability of seniors to grasp modern technology shows that comprehension of social media websites comes easily but not quite as quick as it is for youngsters.



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Planning for retirement is stressful for most people because they aren’t sure what to expect. The plans that a retiree sets in place now actually affect those they love for years to come after their passing. That is why it is important to prioritize and be prepared by answering some important questions. How much will you need to retire? There are many factors that affect this such as the quality of one’s health, the amount of debt one has, the size of one’s house and its upkeep and inflation. If you don’t have enough, it’s probably not a good idea to retire. This isn’t necessarily a bad thing.\\



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The amount of money you will need for retirement is essentially the same amount that you need right now less the expenses that you will no longer have by the time you retire. Most of the time these are long-term expenses such as mortgages, money you’re saving for retirement, etc. This may change as you could decide that you would like to help put the grandkids through college or have another long-term expense that comes up during retirement.



read more...http://www.brpg-inc.com/content/how-much-will-you-really-need-retirement http://amplify.com/u/a1fl7y
Pickleball is a court sport best described as half way between tennis and ping-pong. The court is 44' x 20' and divided in two courts by a 36" high net. It is played as a singles game with one person/side or as a doubles game with 2 people on each side of the net. Each player has a paddle (total length plus width of the paddle cannot excede 23 3/4" or 60.3 cm.) The object of the game is to score points by successfully hitting a 3" diameter plastic ball (that is perforated with holes (commonly known as a whiffle-ball) across the net without it being successfully returned by the opponent(s).



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Thursday, October 13, 2011

As tax laws change, college investment planning becomes increasingly complex. The most beneficial strategies for creating a college fund are quite similar to other investment tactics. Investment products that are tax deferred, tax exempt, or transferable without tax consequences can be especially advantageous.

This could be even more effective if you do your planning early.

One important aspect of an investment is its balance of yield and risk. Determine the amount of risk you can tolerate, given the amount of time you have to recover from any potential losses.



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What Happens If I Withdraw Money from My Tax-Deferred Investments Before Age 59½?

Withdrawing funds from a tax-deferred retirement account before the age of 59½ generally triggers a 10% federal income tax penalty; all distributions are subject to ordinary income tax. However, there are certain situations in which you are allowed to make early withdrawals from a retirement account and avoid the tax penalty.

IRAs and employer-sponsored retirement plans have different exceptions, although the regulations are similar.



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Many Americans facing retirement would love to increase their monthly income.

Faced with fixed pensions, rising medical expenses, limited Social Security benefits, and longer life spans, an increasing number of people are actually being forced to lower their standards of living when they retire.

As you approach retirement, one of your major assets is likely to be your house. By the time the average person retires, his or her home is usually worth significantly more than he or she paid for it.

Now there are techniques that will enable you to use your property to finance your lifestyle without the emotional trauma of having to sell your home.



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Long ago, people realized that there is strength in numbers. For hundreds of years, we have been joining forces against all kinds of calamities — including financial troubles.

The concept of insurance is simply that if enough of us can pool our money to form a large enough fund, then together we can handle practically any financial disaster. Our motivation for contributing to this fund is our own eligibility to draw from it in the event of a disaster. One for all and all for one, so to speak.



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Saturday, October 8, 2011

The amount of money you will need for retirement is essentially the same amount that you need right now less the expenses that you will no longer have by the time you retire. Most of the time these are long-term expenses such as mortgages, money you’re saving for retirement, etc. This may change as you could decide that you would like to help put the grandkids through college or have another long-term expense that comes up during retirement.



Read more...http://bit.ly/mX2gt8 http://amplify.com/u/a1eccx
Planning for retirement is stressful for most people because they aren’t sure what to expect. The plans that a retiree sets in place now actually affect those they love for years to come after their passing. That is why it is important to prioritize and be prepared by answering some important questions. How much will you need to retire? There are many factors that affect this such as the quality of one’s health, the amount of debt one has, the size of one’s house and its upkeep and inflation. If you don’t have enough, it’s probably not a good idea to retire. This isn’t necessarily a bad thing.



Read more...http://bit.ly/nHjBqy http://amplify.com/u/a1eccu
The federal estate tax was repealed in 2010, then reinstated by the 2010 Tax Relief Act with new provisions for 2011 and 2012. These provisions include a higher exemption amount and a lower tax rate that could ease or eliminate the tax burden on many estates.



Although the reinstated estate tax may not affect you now, it is scheduled to become more aggressive in 2013 and beyond, potentially affecting many families who might not be considered wealthy.



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The top concern of 86% of retirees is losing their wealth, according to the 2011 March Edition of Financial Planning Magazine. There are many products out there that offer some principal protection such as CDs, SPIAs, FIAs, Bonds (when matured), money markets and basic savings accounts. Looking at the larger picture of products that offer some principal protection, we see a range between solidity and liquidity. Typically, the longer the investment is, the more money it can return.



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With an abundance of market information literally at investors’ fingertips, the price/earnings ratios of publicly traded companies are easier than ever to find but often more difficult to interpret. In fact, knowing the P/E ratio of a single company, a basket of stocks, or the overall market may not be particularly helpful unless you are in a position to make meaningful comparisons.



Put simply, the P/E ratio is calculated by dividing a stock’s current price per share by the company’s earnings per share over a 12-month period. It quantifies what investors may be willing to pay for one dollar of earnings. Thus, a P/E ratio of 10 means that investors would pay $10 for every $1 the company earns. P/E ratios may serve as a better indicator of a stock’s underlying value than the market price alone, but it’s essential for investors to understand what they represent.



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