Retirement

  1. What are activities of daily living (ADL)?

    Activities of daily living (ADL) refer to daily activities that individuals normally do, unassisted, to take care of themselves. ...
  2. Helping Your Clients Face The Financial Reality Of Retirement

    Altering retirement plans is tough, but when the retiree is unprepared, it's very necessary.
  3. Your Retirement Saviour: Entertainment

    Put down those brokerage statements and pick up a Nintendo Wii handset.
  4. Why should I invest in the market when I can buy and sell houses or cars?

    This is a classic investor dilemma. When the markets are roaring, with 15-20% returns, it is tough to imagine putting your ...
  5. Turnover Ratios Weak Indicator Of Fund Quality

    This indicator is not as important as some investors might think.
  6. 6 Millionaire Traits That You Can Adopt

    The most successful people have more in common than just money. Find out what you can learn.
  7. Employee Benefits: How To Know What To Choose

    Starting a new job is stressful but you don't need to sweat about setting up a benefits package.
  8. 6 Biggest Millionaire Flops

    If you have lost money, you're not alone, but at least you can put some blame on the market.
  9. 8 Signs Of A Doomed Stock

    Companies provide distress signals long before they go under. Find out how to read them.
  10. Should You File For Bankruptcy?

    Find out how to determine whether this option will help or hurt your financial situation.
  11. A lot of retirement projections seem to assume an 8% rate of return. Is this realistic?

    Many financial advisors would feel that an 8% rate of return is too high, and are more likely to work with 4-5% estimated ...
  12. Voluntary 401(k) Contributions: A Thing Of The Past?

    Contributing to your retirement plan may no longer be voluntary, but automatic enrollment has a number of benefits.
  13. Cut Wasteful Spending For A Rich Retirement

    Diverting cash away from unnecessary frills and into investments can mean the difference between retiring rich, or not retiring ...
  14. The Bright Side Of The Credit Crisis

    Find out how this tough economic period can be a learning experience for all.
  15. Designating A Minor As An IRA Beneficiary

    Leaving liquid assets like cash or securities to minors can be a complicated procedure. Make sure you understand how your ...
  16. 6 Ways To Save Money This Summer

    From lawn care to summer fairs, expenses can skyrocket if you're not paying attention.
  17. 10 Last-Minute Retirement Tips

    The months leading up to your retirement can be the most crucial in terms of planning. Review your insurance, make a budget ...
  18. Losing Your Job: From A To Z

    Job loss can be devastating. Learn how to anticipate it and quickly get back on your feet.
  19. How To Lay Off Staff

    Firing employees isn't easy, but it is simple: be honest, be compassionate and be quick
  20. 5 Ways To Lose Your Retirement Nest Egg

    These common mistakes can put your savings at risk. Find out how to avoid them.
  21. Should a Canadian citizen who lives and works in the U.S. continue to contribute ...

    No, a U.S. resident should not contribute to a RRSP account. RRSP contribution rules allow you to contribute a certain percentage ...
  22. Retire A Millionaire In 10 Steps

    Having a million-dollar portfolio is a retirement dream for many people but making that dream come true requires some serious ...
  23. How do I use a conduit IRA?

    An Individual Retirement Account (IRA) is an account that allows individuals to invest a certain amount of pretax income ...
  24. Net Worth Nosedive: Can You Still Retire?

    If a dip in the economy has you worried about retirement, you still have options.
  25. We are in a 401(k) at work. Can we also do a Roth each year? If we can, can it also ...

    Participation in a 401(k) or any other employer plan does not affect your ability to establish and/or fund (or participate ...
  26. Do I still have to pay penalties and taxes on money that I don't roll over from a ...

    It depends. Let's address the two penalties that will apply - the 10% early-withdrawal penalty and the 20% federal withholding ...
  27. Segregated Funds: Investment Protection For Canadian Citizens

    These funds contain the best of all worlds, providing opportunities for market growth with a no-loss guarantee.
  28. Collateralized Debt Obligations: From Boon To Burden

    CDOs were to be Wall Street's boon - instead they went bust. Find out what went wrong.
  29. Is a person an active participant in an employer-sponsored retirement plan if he ...

    Yes. An individual is considered an active participant even if his or her participation in the plan has been for only a short ...
  30. What are the penalties for withdrawing from my Traditional IRA less than a year after ...

    Withdrawals from your Traditional IRA will be treated as ordinary income, and if you are under age 59.5 when the distribution ...
  31. Tough Times: Should You Dip Into Your Qualified Plan?

    401(k)s, pensions and profit-sharing plans can be a source of cash, but there are consequences to this option.
  32. Am I entitled to any of my ex-spouse's retirement plan benefits?

    Generally, former spouses are not entitled to benefits under a qualified plan, unless provisions were made for them to receive ...
  33. Choosing The Right Retirement Destination

    Retire in a place that fits your plans for post-work living.
  34. What happens when someone is given the golden boot?

    In business, the term "golden boot" describes the package used to convince older workers to take early retirement. Forcing ...
  35. 401(k) Predators: Don't Become Prey

    Be leery of "free" financial education sessions - the providers may not be working in your best interest.
  36. I will be receiving monies from a QDRO executed pursuant to my divorce. I would like ...

    There are several issues to consider: The early distribution penalty - Assets distributed from a qualified plan in accordance ...
  37. How can a trust lower federal transfer tax liability?

    A trust is an arrangement in which an individual or entity controls property or funds on behalf of someone else without actually ...
  38. I'm having trouble getting my former employer to distribute my 401(k) plan balance ...

    Your employer or the plan administrator for the 401(k) plan should have provided you with a copy of the 401(k) plan's summary ...
  39. I made involuntary contributions to a retirement plan while temporarily employed. ...

    Your options depend on the type of penalty that would apply. If the penalty is a surrender charge or another penalty that ...
  40. I am making after-tax contributions to an IRA. Will I get taxed again when I withdraw ...

    No. Withdrawals of your after-tax contributions to your IRAs should not be taxed. However, the only way to make sure this ...
  41. Money Can't Buy Retirement Bliss

    Emotional snags can ruin your future happiness. Learn how you can avoid them.
  42. 3 Life Events That Can Ruin Retirement Plans

    Death, divorce and loss of income can leave retirees reeling. Learn how to prepare.
  43. If I am entitled according to my divorce decree to a percentage of my ex-husband's ...

    In order to have your portion of the IRA assets transferred to you (i.e. into your name), you should contact your husband's ...
  44. High-Risk Retirement Portfolio Not Always Taboo

    Find out how much risk your portfolio can take and whether your money will last.
  45. Chipping Away At The Pension Freeze Trend

    Learn five steps that'll put your retirement back into your own hands.
  46. Retiring Early: How Long Should You Wait?

    Maximize your Social Security benefits by choosing when you retire.
  47. I didn't record my Traditional IRA contributions. Is there a website that lists ...

    Visit the Congressional Budget Office's Online Tax Guide, which summarizes IRA contribution limits and phase-out ranges for ...
  48. Can my spouse and I convert our IRAs to Roth IRAs regardless of earned income?

    You may be eligible to convert your Traditional IRA to a Roth IRA regardless of whether you have earned income. However, ...
  49. What will happen to my SEP IRA if I leave my current employer?

    Because the funding vehicle for the SEP is a Traditional IRA, the same transfer and rollover rules that apply to a Traditional ...
  50. I'm about to retire. If I pay off my mortgage with after-tax money I have saved, ...

    Only you and your financial advisor, family, accountant, etc. can answer the "should I?" question because there are many ...
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    In spite of the rewards going public can bring, some companies prefer to remain private, and they are very successful in this.
  5. Is Cyber Monday The New Black Friday?

    Cyber Monday is becoming more popular than Black Friday. Here's why.
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