Retirement

  1. National Debt Clock

    The Top Reasons Behind The U.S. National Debt

    National debt, as with a business, is basically the difference between receipts and expenses--but in the U.S., the latter ...
  2. Understanding basics and logic behind a self directed IRA

    Self-Directed IRA: The Right Move For You?

    How to benefit from the self-directed IRA's increased investment opportunities – and avoid the scams.
  3. 9 Reasons You May Never Retire

    As we face more years on this planet, the quality of that life becomes more important, and so you will need more gold to ...
  4. Top 10 Money Mistakes New Parents Make

    Although having a child is an exciting and exhilarating experience, it is very easy to lose track of finance or make unwise ...
  5. How do I apply for Social Security retirement benefits?

    Understand the process of applying for Social Security benefits, the kinds of information and documentation you need, and ...
  6. What is the maximum I can receive from my Social Security retirement benefit?

    Understand the maximum Social Security benefit amount for someone retiring in 2014 at full retirement age and the basics ...
  7. How do I track my pending application for Social Security benefits?

    Understand the simplest way to follow up on your Social Security benefits application and the basics of eligibility and payment ...
  8. Must I pay Social Security taxes on my earnings after full retirement age?

    Paying Social Security contributions continues even past reaching full retirement age, but that can increase future Social ...
  9. How are payments calculated on a Canadian Pension Plan (CPP)?

    Learn what factors are considered when calculating your Canada Pension Plan retirement benefits, and discover how to get ...
  10. How soon do I need to start my application for Social Security retirement benefits?

    Understand when to apply for Social Security benefits and when you can expect to receive monthly payments based on age and ...
  11. Are Social Security benefits affected by unemployment benefits?

    Find out if Social Security benefits are affected by unemployment benefits, and if so, how much this benefit can be reduced ...
  12. What are the rules and restrictions on a Spousal IRA?

    Learn about the rules pertaining to spousal individual retirement account contribution and income limits. Find different ...
  13. Are my Social Security Benefits reduced if I receive extra pensions from different ...

    Understand the effect collecting a pension can have on your Social Security benefits, depending on whether you were employed ...
  14. Can I get both military and Social Security benefits?

    Learn how it's possible to receive both Social Security benefits and a military pension in retirement, and how retirement ...
  15. What does "full retirement age" mean in regards to Social Security?

    Learn what full retirement age is and how Social Security benefits are calculated based on your age, how long you have worked ...
  16. Is it possible to collect spousal Social Security benefits before I collect my own?

    Learn if it is possible to collect spousal Social Security benefits before you collect your own. The "file and suspend" method ...
  17. When is it optimal to take my widow's Social Security benefit?

    Understand when you can apply to receive Social Security benefits as the surviving spouse of a worker and what this means ...
  18. Is the Social Security trust fund solvent?

    Learn why the Social Security trust fund does not actually hold any money and how its solvency relies on the U.S. government's ...
  19. Are Social Security survivor benefits for children considered taxable income?

    Learn why receiving Social Security survivor benefits on behalf of children does not affect income tax for a surviving parent ...
  20. What happens to a Locked-In Retirement Account (LIRA) in the case of a divorce or ...

    Learn different options in cases of divorce where assets are held in Canadian Locked-In Retirement Accounts. Learn which ...
  21. What are the most common scams regarding Social Security benefits?

    Learn about some of the most common Social Security scams that occur by phone, email and direct mail, and how to recognize ...
  22. What happens to my Locked-In Retirement Account (LIRA) balance when I die?

    Understand that in the event of your death, Locked-In Retirement Account death benefits will be transferred to your partner, ...
  23. Is a Locked-in Retirement Account (LIRA) protected from creditors?

    Learn about how Canadian registered pension and retirement plans are protected from creditors under federal and provincial ...
  24. What are the main differences between a provident fund and a pension fund?

    Learn about some of the primary differences between the benefits of provident funds and pension funds, two types of retirement ...
  25. Where can I transfer money from a Locked-in Retirement Account (LIRA) to?

    Transfers of money from a LIRA can be made to another LIRA account, to an LIF account or to an insurance company in order ...
  26. What are the differences between a systematic investment plan (SIP) and a recurring ...

    Differentiate between a recurring deposit and a systematic investment plan, or SIP, within an investment account, and learn ...
  27. What are the restrictions for withdrawing my Locked-in Retirement Account (LIRA) ...

    Learn about Locked-in Retirement Funds and options available for receiving retirement income. Explore circumstances when ...
  28. What is the Superintendent's Register of Authorized Institutions?

    Learn who governs locked-in retirement accounts and other registered retirement savings plans in each Canadian province and ...
  29. How can I change my name on my Social Security card?

    Learn what documents are needed to change your name on your Social Security card whether you are a natural-born or foreign ...
  30. Who can transfer funds to a Locked-in Retirement Account (LIRA)?

    Transferring funds into a LIRA account can be initiated by owners of defined contribution plans or defined pension plans ...
  31. What are the main differences between a systematic investment plan (SIP) and mutual ...

    Reduce your average cost per share on mutual fund investments using the dollar-cost averaging strategy by way of a systematic ...
  32. How can I request a Social Security disability award letter?

    Learn about award letters and how to apply for Social Security disability benefits. Gain insight as to why disability applications ...
  33. How much of my income goes to Social Security taxes?

    Discover how much of your income goes to social security tax: what the rate is, what the limits are and what types of income ...
  34. What are the benefits and advantages of the Teacher Retirement System?

    Learn about some of the primary benefits of a teacher retirement system and what similarities it has with other types of ...
  35. What are the differences between a Pay As You Go plan and a 401(k)?

    Compare a 401(k) plan with a pay-as-you-go pension plan; both offer investment flexibility and control by the participant ...
  36. How are Pay As You Go pension plan benefits taxed?

    Discover how the IRS treats pay-as-you-go pension plan benefits that are received as income in retirement, both for Social ...
  37. Advisors looking to attract potential clients need to speak in a straightforward manner, be available for questions and leave the sales pitch at the door.

    Top Tips For Winning New Clients

    Advisors looking to attract potential clients need to speak in a straightforward manner, be available for questions and leave ...
  38. IRS Raises 401(k) Contribution Limits By $500

    The 2015 IRS contribution limits for 401(k), 403(b), most 457 savings plans and the government's Thrift Savings Plan were ...
  39. Which ETFs are popular in retirement accounts? Here's a look at several and why they might be right for you or your client.

    ETFs Commonly Found In Retirement Accounts

    Which ETFs are popular in retirement accounts? Here's a look at several and why they might be right for you or your client.
  40. How are Simplified Employee Pension (SEP) IRAs taxed?

    Understand the tax advantages of a Simplified Employee Pension IRA plan, and find out how both the employer and the employee ...
  41. How is an SBO-401(k) set up?

    Learn what a Small Business Owner 401(k) plan is and who is eligible to establish one. Find out what the IRS requires of ...
  42. Who can contribute to a Roth IRA?

    Investing in a Roth IRA requires certain combinations of income and filing statuses. Age is not a factor in making contributions, ...
  43. What are some examples of the most common types of investments on an IRA?

    Explore different investments commonly held in investment retirement accounts, such as certificates of deposit and exchange ...
  44. Can savings from a Roth 401(k) be used for college without penalty?

    Understand how a Roth 401k retirement savings account can be used to pay for tuition, what criteria must be met, and the ...
  45. What are the steps to applying for a Canada Pension Plan (CPP)?

    Learn how to apply for Canada Pension Plan, part of Canada's retirement income system. Also find out about available benefits ...
  46. What are the main advantages of a self-directed IRA?

    Learn about the way self-directed IRAs are handled by investors and the variety of options investors have to fund their retirement ...
  47. How are Social Security benefits affected by your income?

    Understand the relationship between a worker's earned income and benefits he or she receives from Social Security in retirement, ...
  48. What is the tax rate of a Roth IRA if I withdraw it for the purchase of a house?

    Use your Roth IRA to fund the purchase of your first home, and learn how the distribution could qualify for a waiver of taxes ...
  49. What is the difference between a DB(k) plan and a defined benefit plan?

    Learn the differences between a traditional defined-benefit plan and the emerging DB(k) plan to see how employer-sponsored ...
  50. What is the Roth IRA 5 year rule?

    Learn more about the Roth IRA five-year rule and the requirements that allow for tax-free withdrawals before five years have ...
  51. Can I hold multiple IRAs?

    IRAs are investments made to plan for retirement, which offer certain tax advantages, depending on the type, and often matching ...
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