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The "three-legged stool" was a retirement terminology from the past that many financial planners used to describe the three most common sources of retirement income for a retiree during retireme - Social Security, employee pensions, and personal savings.Times have changed though and so has the three-legged ...
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It's not impossible to enjoy your favorite pastimes - with just a little work you can find a ticket price you can afford!
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Would you like to live without any housing expenses? It's possible if you are a road warrior.
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If the recession has put a damper on your disposable income don't despair - it needn't take the fun out of your love life.
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Here are a few tips for getting your sports fix and saving some money in the process.
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If you do a little sleuthing and stay flexible on which teams to follow, you can still enjoy all the excitement of live sporting events.
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Variable annuity subaccounts are virtual clones of mutual funds but they have their own CUSIP number and their historical performances are tracked separately.
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Just because you receive your gold watch during a recession, doesn't mean you can't retire on time.
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Protect what you have while shifting risk is the motto of the rich. Find out how a life insurance policy can help you do the same.
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Learn what to watch for before you find yourself drowning in debt or filing for bankruptcy.
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The Independent 529 plan offers a unique investment for those wanting to send their kids to the best colleges in the U.S.
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Saving for your golden years is an important goal, especially since so many Americans don't save a penny.
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The answer to this depends on an individual's investment goals, requirements and risk tolerance. During the 1990s, the majority of seasoned financial planners would tell you that it's not a wise move to put an IRA account inside of an annuity. This was because IRA accounts already receive tax-deferred ...
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Many cruise costs are fixed, but it's the little extras that will put a big dent in your pocketbook.
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There are a lot of options for investors who hate the hassle of investing. We go over some that will help your financial future.
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A recent HSBC study suggests that savers had an easier time weathering the recent financial storm.
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Find out how you can use Twitter to save, by finding coupons and deals.
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The recession is adding up to big savings for consumers. Find out where to find the best deals.
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Follow a few of these simple tips to become more "green" - and keep more of it in your wallet.
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From lawn care to summer fairs, expenses can skyrocket if you're not paying attention.
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As a renter, there are still factors that can influence your heating and air conditioning bill.
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On June 12, 2009, broadcast stations will leave analog behind to upgrade to a digital signal.
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Gym memberships can be expensive but these six tips will help you get the best deal.
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Leaving liquid assets like cash or securities to minors can be a complicated procedure. Make sure you understand how your gift will be distributed, managed and taxed.
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Find out how walking to where you shop can not only improve your health but your finances.
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From lawn care to summer fairs, expenses can skyrocket if you're not paying attention.
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Job loss can be devastating. Learn how to anticipate it and quickly get back on your feet.
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These common mistakes can put your savings at risk. Find out how to avoid them.
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Use coupons strategically to score big savings on everyday purchases.
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Unexpected costs can add to the stress of relocation. Plan ahead and anticipate what may pop up.
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This annuitized payment setup should be arranged through impartial attorneys and tax agents.
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Just as with any investment, you should review your plan to make sure it's meeting your needs.
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These funds contain the best of all worlds, providing opportunities for market growth with a no-loss guarantee.
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Making small adjustments to your habits and lifestyle can have big payoffs.
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Learn about a strategy that could help you reduce taxes, diversify your portfolio and generate income.
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Learn the truth before you strap yourself into these annuity "seat belts".
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The first step is to check with your employer regarding any retirement plan(s) it provides for employees, as you can only participate in a plan sponsored by your employer. As an employee, you are not allowed to adopt any employer sponsored plan, including 401(k) and 403(b) plans.
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Follow Indy's advice to conquer the obstacles blocking your path to financial well-being.
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Don't let bad estate planning lead to unnecessary costs and stress for your inheritors.
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These products tempt investors with some impressive benefits - but they come at a price.
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Annuities offer security but also lock up your cash. The secondary market could be your key.
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It is never too late to start saving for retirement. Even starting at age 35 means you will have more than 30 years to save.The type of IRA you choose is usually determined by your individual circumstances and preferences. A Roth IRA is usually preferred by individuals who do not qualify for tax deductions ...
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The BBB is one resource to help you connect with the best product/service providers in your area.
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Unfortunately, a non-spouse beneficiary is not allowed to rollover assets from a qualified plan. Therefore, purchasing an annuity appears to be the only option for a beneficiary who wants to stretch out payments over an extended period, while preserving the tax-deferred status of the assets.
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The early bird may catch the worm, but in shopping, the worm will come to those who wait.
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A savings account is an all-inclusive term , which includes IRAs and regular ( non-retirement) savings. A Roth IRA is a savings account in which earnings accrue on a tax-deferred basis, but are tax free if distributions are qualified. In a regular savings account, earnings are added to an individual's ...
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In 2009, the Canadian government began allowing citizens to save more tax-free dollars than ever.
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Discover an investment that can provide a stable income once you've left the work force.
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This vehicle can provide survivors with guaranteed income and lower premiums.
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Your options depend on the type of penalty that would apply. If the penalty is a surrender charge or another penalty that would apply to an annuity or insurance product, you may want to consider leaving the assets in the plan until the time when the penalty will no longer apply.
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