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Retirement Plans: Last Week Tonight with John Oliver (HBO)
 
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Saving for retirement means navigating a potential minefield of high fees and bad advice. Billy Eichner and Kristin Chenoweth share some tips. Connect with Last Week Tonight online... Subscribe to the Last Week Tonight YouTube channel for more almost news as it almost happens: www.youtube.com/user/LastWeekTonight Find Last Week Tonight on Facebook like your mom would: http://Facebook.com/LastWeekTonight Follow us on Twitter for news about jokes and jokes about news: http://Twitter.com/LastWeekTonight Visit our official site for all that other stuff at once: http://www.hbo.com/lastweektonight
Views: 9447432 LastWeekTonight
How Long Will My IRA Last - How Long Will My Traditional IRA Last
 
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What are how long will my iras last – What is how long will my ira last? 1-800-566-1002 http://www.RetireSharp.com . What are the best types of how long will my iras last and learn how you can avoid the most common mistakes that individuals have made when looking to purchase an how long will my ira last. Make Your Retirement Account Last - Three Steps to Insure Retirement Security The last ten to fifteen years have been financially very good for most of us. With a little effort and a lot of market tailwind, our retirement accounts have grown at an amazing rate. With annual stock returns as high as 20% or more, most of us who have private retirement investment accounts (401K, IRA, etc.) were feeling pretty good. In most areas of the U.S. real estate values spiraled up and up. The combination made many of us who owned homes and stock/bond investments paper millionaires. Then along comes 2008. Our stock investment portfolio values dropped 35-40% and our once fat equity position in real estate rapidly shrunk. Your retirement account doesn't look so secure anymore. Here are three suggestions for making your nest egg last as long as you do. 1. Take a Careful Look at Your Present Cash Flows It's best to do this on a monthly basis as most expenses and income are easily calculated on that basis. A financial software package is an excellent tool to help you structure this part. List your monthly cash income in detail by source, i.e. Social Security, pension, rental income, etc. You may already be drawing a fixed amount monthly from your retirement accounts. If you aren't, here is the place to decide what that amount is going to be and enter it as cash income. A word of caution here: be certain you understand the rules regarding withdrawals from IRA and 401K type retirement accounts. You might want to visit the IRS website for a careful review.There you will find some information on the minimum withdrawal rates required by the IRS. Deciding the maximum, you want to withdraw is up to you. Most experts will recommend that you limit the maximum annual amount to no more than 4% of the remaining balance. That's a good place to start. Use the larger of the two numbers for now, you can refine it later. Next list your monthly cash expenses. These should include everything you have to purchase as well as all scheduled payments. This will take some thought; it is easy to forget the small things like an occasional meal or movie, car repairs, etc. Include some "unplanned" expenses like subscription drugs, co-pays and other medical items. At this stage it is probably easier to average some expenses that don't occur monthly. If you don't include insurance or taxes in your monthly mortgage expenses, make sure they are included here. If you have used a financial software package, you can enter the above data into the budgeting portion of the program, and you now have a preliminary view of your monthly cash flows. 2. Develop a Realistic Monthly Cash Flow Budget If the preliminary budget you came up with in the prior step yielded a positive cash flow, you are starting from a good place. Go over your budget once more, refining the monthly cash outlays. Be more precise in detailing monthly expenses that you averaged in step one. You may want to build in a "set aside" account to accumulate cash to be used for extraordinary items like auto repairs and other fairly large expenditures which do not occur monthly. Emergencies will always occur at the least convenient times, so provide for them in your budgeting process. 3. Take Action Now to Deal with Any Negative Cash Flow Revisit your monthly budget; looking for spending you can reduce or eliminate. Can you reduce the big cable TV bill by switching to basic service, or drop that membership in the local gym? Maybe shop at discount stores instead of Macy's, etc As distasteful as it may be, you are going to have to eliminate or reduce some expenditures, including bills that are not going to get paid right away. You will be surprised how flexible lenders can be if they know you are making a good faith effort to pay, so get on the phone and negotiate a payment plan you can live with. Feel free to subscribe to our YouTube channel and receive instant access on different retirement related topics. Thanks for watching! Related Search terms: how long will my ira last how long will my ira last income how long will my ira last explained how long will my ira last reviews how long will my ira last review What is the best fixed indexed how long will my ira last vs the top immediate income how long will my ira last https://www.youtube.com/watch?v=NkCF01MyOT4
Views: 125 retiresharp
How To Plan For Retirement
 
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"How to Plan for Retirement". A simple guide to help you retire with peace of mind. PST: Hello, its me, Professor KnowItAll... and yes, I'll be giving you the very best tips so you can retire with peace of mind... EXP: Hello Professor, are you now an expert on that topic? PST: Of course... EXP: Oh, OK, so you're all ready for retirement? PST: Of course! I'm ready! EXP: So then, you have money saved? PST: Well, not exactly but I have a plan... I will live with my kids... EXP: Living with your family during retirement can be very gratifying, but surely you don't want to be a burden on them...Did you know that people in the United States, on average, live 20 years after they retire? In general, people need almost 80% of what they earn in order to live comfortably after retiring That's a lot of money, so you'll definitely need a good plan in order to get there. OK, don't panic yet. It's never too late to start or even too early. Let me tell you what you should do so that the next time, you can give people good advice. PST: Sounds good. EXP: Professor, according to the Consumer Action Handbook, the first thing is recognizing the importance of saving for retirement. The three most common options are: One: Pension benefits, offered by some places of employment. Two: Savings and investments, started by you. Three: Social Security, which is the Federal Governments retirement plan. Now, if you're still working, find out if your place of employment offers a pension plan and how it works. Some companies also offer a 401k plan. PST: Four 01 what? I've never heard of that truck, but mine is newer... EXP: I'm not talking about vehicles here, I'm talking about retirement plans in which, if you save, your company will match a percentage of the contributions you make. PST: Oh, that's like free money. EXP: Exactly. Sometimes you impress me, Professor! In order to plan well for retirement, you must consider what types of expenses you'll have, whether you'll work or not, if you'll have additional medical insurance, or if you'll have costly hobbies, like traveling. There are many things to consider, so you may want to consult a financial expert for help. PST: Yikes, I'm feeling dizzy... EXP: Professor, you can also ask for help and get tips from the following organizations: AARP, American Savings Education Council, Department of Labor Securities and Exchange Commission, Social Security Administration PST: Ufff...I'm feeling a little better now. EXP: Professor, this is all about saving not spending... Better yet, let me remind you to visit USA.gov or in Spanish at GobiernoUSA.gov where you can learn more about all of this and other interesting topics for consumers. And remember, you can also order your free "Consumer Action Handbook "...
Views: 39178 USAgov/archive
Last-Minute IRA Contribution Can Cost You
 
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Waiting until April to make your contributions can lead to missed opportunity. Plus, tips about backdoor Roth IRAs and the benefits of spousal IRAs. For all Morningstar videos: http://www.morningstar.com/cover/videocenter.aspx
Views: 1043 Morningstar, Inc.
Should I Draw Social Security At Age 62 or 66 or 70
 
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If you've ever wondered, "Should I draw Social Security at age 62 or 66 or even age 70?" then here is one of the biggest factors you need to know about when it comes to the Social Security rules. To download the free e-report "How To Avoid Annuity Traps" just click here: http://retirementplanningmadeeasy.com/annuity-traps The difference between the best and worst Social Security claiming strategy can be over $100,000 of lifetime benefits. That's a lot of money on the table. So here is one important factor that affects your Social Security benefit. It has to do with your age. If your full retirement is 66 then here is how drawing early or later will affect your benefit. 62 - 75.0% 63 - 80.0% 64 - 86.7% 65 - 93.3% 66 - 100.0% 67 - 108.0% 68 - 116.0% 69 - 124.0% 70 - 132.0% It's important to know how your age affects your benefit. But there are also some subjective factors to consider as well. You may want to draw early if: - Willing to sacrifice higher income later, for lower income now - You can’t stand your job - You do not expect to live a long time - You are afraid Social Security will not be around in the future You may want to delay drawing Social Security until later if: - Willing to sacrifice present income for a larger income in the future - You have longevity in your family - You are still working - You want to maximize the benefits for your spouse after you are gone To download the free e-report "How To Avoid Annuity Traps" just click here: http://retirementplanningmadeeasy.com/annuity-traps Best of luck! Chris Hammond
Planning Your Retirement
 
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Andrew Sieg talks about the number one concerns for those planning their retirement. http://blogs.forbes.com/neilweinberg/ http://www.forbes.com/finance/ http://video.forbes.com/topics/personal-finance
Views: 2680 Forbes
Planning for Retirement? - Getting Your Money's Worth
 
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GettingYourMoneysWorthNYC.com - Judith West. How long a retirement should you plan for? Last year Hallmark sold eighty-five thousand, Happy One-hundredth birthday cards. Your retirement may seem far down the road, but most of us have no idea how we will spend our second half. So why not do some transition thinking now? Could you turn your hobby into money making? Can you start improving your health and fitness? What expenses will you reduce? Are you saving? IRAs and 401(k)s can help allay retirement's biggest fear: living to see the well run dry. In retirement, no one will take care of you unless you take care or yourself. Bald, helpless and broke is how to start life, not finish it.
Views: 215 longdanielc
How to Invest Your 401k
 
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http://www.profitableinvestingtips.com/profitable-investing-tips/how-to-invest-your-401k How to Invest Your 401k By www.ProfitableInvestingTips.com A great way to save money and defer taxes is with a 401k plan. We consider how to invest your 401k. The limits on how much you can invest tax free each year in a 401k are higher than with an IRA. In the USA a 401k plan is a tax-qualified, defined-contribution pension account defined in subsection 401(k) of the Internal Revenue Code. Money is deducted from a paycheck before taxes and commonly is matched by a contribution from the employer. As of 2013 the maximum pre-tax annual amount allowed for a 401k was $17,500. This money can be invested in a variety of ways and can grow tax free over the years only to be taxed when the individual decides to withdraw, typically at retirement. In some 401k plans a post-tax contribution is also allowed. Post-tax contributions also are allowed to grow within the 401k account tax free until withdrawal. Make sure that you understand how your 401k works and get competent tax advice if you are confused. In this article we have a few ideas about how to invest your 401k. Remember that when you take your money out of your 401k it is taxed as ordinary income so your retirement years when you have no salary are the best times to withdraw your money. How to Invest Your 401k: How It Works When you put your money in a 401k or other tax deferred plan you are dealing with marginal tax rates. This has to do with the amount of tax paid on an additional dollar of income. The marginal tax rate for an individual will increase as income rises. When you put money in your 401k you are taking money that you would invest or save anyway. And you are not taxed for this last bit of income so long as it goes into your 401k. That can be a savings of around 25%. Then the appreciation of your investment in the 401k is allowed to increase without yearly taxes. For example, if you have a dividend stock in your 401k portfolio you will not be taxed on the dividends over the years. Likewise, if you buy a growth stock and then sell it after a big run up you will not pay capital gains on the stock while it is in your 401k. When you do pay taxes, it will be when you are retired and typically in a lower tax bracket. The exponential growth of your investments is substantially better when not taxed until it is taxed just one time on withdrawal. This is why a 401k is a preferred way to save. How to Invest Your 401k: Best Vehicles Always remember that how you invest your 401k versus investments with other vehicles has to do with the tax advantages of deferring taxes until after an investment has exponentially appreciated in value for many years. As an example you would not want to put municipal bonds in a 401k because they are already tax advantaged. In our most recent articles, Invest Your Money, we note that you should pay off credit card debts, purchase a home and have a rainy day stash in the bank before thinking about investing. To a degree this also applies to the first years of how to invest your 401k. Thereafter think of long term growth stocks, hot stocks that you can buy cheap and sell when then they run up and avoid the immediate tax consequences and stocks with a substantial margin of safety. This is because the worst thing that can happen is that you play with your 401k and lose everything. The way to save money on paying taxes on investment income is decidedly not to have any 401k withdrawals on which to pay taxes. http://youtu.be/SC8EwdM45U0
Views: 3919 InvestingTip
Planning Social Security Retirement?  We use Social Security Calculator to get maximum benefits.
 
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Are you getting ready to begin your Social Security Benefits? Are you uncertain which filing strategy will get you the maximum Social Security Benefits? A Maximum Social Security Report will help you understand your options and detail the best way to file for Social Security Benefits that may provide you with the most income to you and your spouse.
Views: 96264 Steve Miller
Understanding Your Retirement Plan Options | Episode 16 Pt. 1
 
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Are you confused about your retirement plan options? Where should you invest your money? IRA, Roth IRA, 401k, 403b? Learn how to understand your retirement options and avoid the common mistakes people make with Joe Anderson, CFP® and "Big Al" Clopine, CPA on this clip of "Your Money, Your Wealth." If you live in southern California and would like to schedule a free assessment with one of our CFP® professionals, click here: https://purefinancial.com/lp/free-assessment/ Make sure to subscribe to our channel for more helpful tips and stay tuned for the next episode of “Your Money, Your Wealth.” Channels & show times: http://yourmoneyyourwealth.com http://purefinancial.com IMPORTANT DISCLOSURES: • Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, Inc. A Registered Investment Advisor. • Pure Financial Advisors Inc. does not offer tax or legal advice. Consult with their tax advisor or attorney regarding specific situations. • Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. • Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. • All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. • Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors.
Retirement Plans & Investments : IRA Contribution Guidelines
 
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IRA contribution guidelines are set by the U.S. government and vary depending on whether the IRA is qualified or non-qualified, and the age of the contributor. Discuss IRA contribution guidelines with a professional before signing up for the retirement account with advice from a financial adviser in this free video on retirement savings. Expert: William Rae Contact: www.hbwfl.com Bio: William Rae has been licensed in the insurance and financial fields for more than 30 years. Filmmaker: Christopher Rokosz
Views: 198 ehowfinance
Financial Planning Strategies for All Ages | S.2 Ep. 18
 
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Learn key retirement saving strategies for your 30’s, 40’s, 50’s and 60’s. As you grow older, your financial situation and life needs change. Understand the importance of saving for retirement and the steps you should be taking depending on where you are in life. 1:37 “57% of Workers have less than $25,000 saved for retirement” (Source: Employee Benefit Research Institute) 3:55 “It behooves you to start as early as you can because that way the compound of money is going to work the best for you” 4:31 “Max out your 401(k) as much as you can or at least to the match” 5:46 “You have to take a look at paying yourself first, keeping those expenses under control, and then if you do get a bonus or if you get a raise, try to save half of that” 6:29 “This is a great opportunity for the younger generation to take control of their finances and start saving” 7:45 “According to U.S. News, when switching jobs there are three ways that you that could avoid paying taxes or early withdrawal penalties from your 401(k). First, you can leave it in your old 401(k), second, you can roll it over to an IRA, or third, you could transfer the balance into the 401(k) at your new employer.” 10:24 “I think the first thing [40-year olds should do] is setting a goal, establishing a saving goal, whatever that may be” 11:08 “Go higher than you think you’ll actually do…I think if you set it high and it’s automatic, especially if you’re saving in your 401(k), it’ll be out of sight out of mind; you’ll end up saving a lot more than you think you actually can” 12:18 “I would say there are three key things: make sure to pay yourself first, make sure to choose the appropriate investments, make sure to monitor your progress and see where you’re at” 15:00 “If you’re 50-years old or you’re 55, here are the steps: you want to start right now (can I cut some spending?), then from there you can save more, manage the assets appropriately” 15:10 “If you do not have a 401(k) plan, try to save into an IRA, or a Roth IRA, after those look into non-qualified investments or stocks or bonds…save, save, save: that’s the key” 18:23 “The younger generations are not taking the appropriate amount of risk in their overall portfolio” 18:38 “One of the things that you absolutely need to figure out is what is the retirement date? It’s not this arbitrary number; you want to make sure you have enough capital to maintain a lifestyle long-term” 18:54 “Believe it or not there are over 500 ways to collect Social Security if you’re married” 19:16 “For people who can afford to wait, wait on your Social Security, you can wait as long as age 70 when you’ll get the maximum amount possible on Social Security, and that will last the rest of your life and it’s indexed for inflation” 23:31 “If you’re a first-time home buyer, there are special rules within the IRS legislation that allows you to take money out without the penalty” Aired 5/2/15 If you live in southern California and would like to schedule a free assessment with one of our CFP® professionals, click here: https://purefinancial.com/lp/free-ass... Make sure to subscribe to our channel for more helpful tips and stay tuned for the next episode of “Your Money, Your Wealth.” Channels & show times: yourmoneyyourwealth.com http://purefinancial.com IMPORTANT DISCLOSURES: • Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, Inc. A Registered Investment Advisor. • Pure Financial Advisors Inc. does not offer tax or legal advice. Consult with their tax advisor or attorney regarding specific situations. • Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. • Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. • All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. • Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors.
Making your Retirement Savings Last
 
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http://www.paytaxeslater.com James Lange, the best-selling author of Retire Secure! gives you expert advice on 401(k)s, Roth IRAs, retirement planning, retirement savings and estate planning.
Views: 1020 retiresecure
What is a self-directed IRA?
 
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http://www.nextgenerationtrust.com/ Hello and thank you for your interest in Next Generation Trust Services. Today we are going to be going over what is a self-directed IRA? A self directed IRA is a retirement plan account that allows our clients to invest in non-traditional assets. Usually these investments are investments that our clients already know and completely understand. The types of investments that our clients are making are not allowed with typical retirement plans. With typical retirement plans you are investing in stocks, bonds, mutual funds, and CD's and the retirement plan investments are restricted by the plan documents that have been created. Our clients, however, are investing in a number of different assets. Assets like real estate, mortgage notes, tax liens, hedge funds, llc', precious metals, and so much more. A self-directed IRA allows our clients to have a broader selection of investments to really diversify their retirement portfolio, but it is a hands on investment. Our clients really need to keep in contact with Next Generation Trust Services as their third party administrator. If you are looking for a hands off approach to your retirement plan, self-directing is not for you. If you have any question about Next Generation Trust Services or your investments with a self-directed IRA, please e-mail us at info that's I -- n -- f -- o at Next Generation Trust dot com or call the office at 9-7-3-5-3-3-1-8-8-0. We look forward to hearing from you, and please make sure to watch our other Youtube videos. Next Generation Trust Services is based out of Roseland, NJ, and specializes in comprehensive account administration and transaction support services for self-directed retirement accounts. For more information on our company or on self-directed IRAs, call us at 973-533-1880 or 888-857-8058 or email Info@NextGenerationTrust.com. You can also visit us on the web at: Facebook: https://www.facebook.com/pages/Next-Generation-Trust-Services/113727602028869 LinkedIn: https://www.linkedin.com/company/next-generation-trust-services Twitter: https://twitter.com/NextGenTrust Google+: https://plus.google.com/b/117604703854177899533/?pageId=117604703854177899533
Retirement Income Planning
 
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We understand the unique needs and challenges confronting investors who are retired or about to retire. It's important to understand how you will structure your retirement income, how long your income will last, and which sources of income you should tap into first to minimize taxes and maximize income potential. Through comprehensive planning, we can help you prioritize your goals and develop a strategy that seeks to protect and grow your retirement assets. Whether you are in the accumulation phase or have already retired, a sound strategy is critical to helping you:  Meet retirement income needs, desires and expenses  Maintain lifestyle choices and priorities  Ensure that long-term goals and aspirations are funded for travel, healthcare, estate planning, charitable giving and other goals We can assist you with the following retirement plans and strategies: Retirement Income Planning 401(k)/IRA Rollovers Traditional and Roth IRAs SEP IRAs SIMPLE IRAs Corporate Retirement Plans Tracking #730182
Views: 83 Wealth Strategies
Will You Lose Your Inherited IRA if You File Bankruptcy?
 
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Bankruptcy filers in Georgia usually can exempt retirement plans such as IRAs, 401(k), and pension plans. An exempt asset cannot be reached by the bankruptcy trustee or creditors. So, it is not uncommon for a bankruptcy filer to eliminate tens of thousands of dollars of credit card debt, medical bills or other signature loans, while keeping his/her full IRA or 401(k). As I discuss in this video, however, this same protection does not apply if you inherit IRA money from someone else - a parent, sibling or other loved one. Effective bankruptcy planning means that you should expect the unexpected. In this video I offer suggestions about how you can use non-bankruptcy law to avoid trustee seizure of an inherited IRA. If your financial situation is deteriorating and you think that bankruptcy may be an option at some point in the future, don’t wait until the last minute. Call my office at 770-393-4985 to discuss how bankruptcy works and to learn how the bankruptcy option might affect you. ====================================== **Click Below to SUBSCRIBE for More Videos: http://www.youtube.com/subscription_center?add_user=ginsbergbankruptcy ======================================= Jonathan Ginsberg Atlanta Bankruptcy Attorney http://www.atlanta-bankruptcy-attorney.com Facebook: https://www.facebook.com/ginsberglaw Telephone: 770-393-4985 =======================================
Personal Finance & Retirement Planning Tips : Why Open a ROTH IRA?
 
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IRA retirement accounts are set up by the Internal Revenue Service for the purpose of growing invested money in a qualified tax plan. Discover the money making power of retirement accounts such as IRAs with tips and advice from an experienced financial adviser in this free video. Expert: Patrick Munro Contact: www.northstarnavigator.com Bio: Patrick Munro is a registered financial consultant (RFC) with outstanding sales volume of progressive financial products and solutions to the senior and boomer marketplace. Filmmaker: Reel Media LLC
Views: 428 eHow
Perspectives on Retirement
 
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DESCRIPTION Retirees share their experiences of planning for and living in retirement. USEFUL LINK https://www.moneysmart.gov.au/life-events-and-you/over-55s TRANSCRIPT What's the best thing about being retired? Retiree 1: Well I absolutely love it. I can do things that I really have a passion about. Retiree 2: Well it allows you to make decisions about what you want to do with your life and how you want to arrange it. Retiree 3: What's the best things for me? Is not having to get up at 5.30 in the morning and be at work at 7 o'clock! Retiree 4: I've been able to travel, and to care for family, to write. Retiree 5: Being able to play with my boat.What made you decide to retire? Retiree 3: I planned it. I was a nurse, and I decided well this is it, I've walked on enough concrete floors, I'm not doing it anymore. Retiree 5: I guess it just sort of happened I suppose. I got to a stage where, well I was retrenched from my job at that stage and I'd been in that company for 12 years. Retiree 1: Thinking of retiring, I thought how can I retire because this is what I've done all my life. Retiree 2: Well I was a family carer, so when all that finished, then I could live my life. What's your biggest challenge with managing money? Retiree 5: My biggest worry is that I will live longer than my superannuation will, that it will run out before I do. Retiree 2: I say, technology. That does throw me a bit, if I have a problem with the computer. Retiree 4: I still feel a lack of helpful knowledge and understanding of finances. Retiree 3: I do have some savings, and I am very careful with it. I pay cash as I go, and I find that's the easiest way to keep track of what I'm doing. What advice would you give your younger self? Retiree 5: Give it a lot more thought, I never really thought about it until it actually happened then it was probably too late. Probably too many people are like myself, when it happened, it happened, and then you had to make the best of what there was at the time, rather than making the best of something that you'd planned for. Retiree 1: Well I would say that you really have to have a financial adviser, or somebody to ensure that you've got enough money to live the rest of your life. Retiree 3: We don't plan enough for retirement in our early days, because I don't think myself when I look back, you don't think you're going to retire. Retiree 4: Probably that I should learn more about money, money handling. Having a breadth of understanding of where to seek reliable advice.
Views: 5655 MoneySmartAu
3 Big Retirement Withdrawal Mistakes
 
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For more information on our WealthVision Financial Plan check out our info page here; http://moneyevolution.com/wealthvision/ For access to the 7 Core Elements of Retirement Planning Video Series and Action Guide Click here. http://moneyevolution.com/7-core-elements-yt/ Today I'm going to talk about Three Big Retirement Plan Withdrawal Mistakes. If you're planning for retirement, you're going to be looking at how you can make a transition from what we call the retirement accumulation phase, when you've been saving and investing money for your retirement, into the retirement withdrawal phase. You're going to take some of that money that you saved, and you're going to start distributing that money back to you, by starting to take some withdrawals. There's three big mistakes that we see people make here. Mistake number one is probably the most common one that we see, and it's Waiting Too Long to Begin Taking Withdrawals. And this mistake can actually compound into a couple of other little mistakes that actually can cost you a lot of money. People will often begin taking their Social Security benefits as early as they can at age 62, and not only does this prevent them from getting a bigger Social Security check and kind of maximizing that, but it also means that they're delaying taking their retirement plan withdrawals, and what that does is compound itself down the road, because as many of you probably know, at 70 1/2, the IRS is going to mandate that you're going to start taking some withdrawals from those retirement accounts. It's called the Required Minimum Distribution Rules. And what that might do is push you up into a higher tax bracket at that time, and on top of that, it can also affect your Medicare premiums as well, because your Medicare premiums are tied to the level of income that you make. So the more money you make, the more you pay for Medicare. One of the things that we look for, though, as a way to kind of get around this mistake is to really map out some of those cash flows. One of the things that we identified is that by taking some retirement plan withdrawals early on in retirement we can take advantage of what we call low tax years. If you're waiting to take Social Security, for example, or maybe your pension doesn't kick in right away, you might have few years early on in your retirement where you're in a very low tax bracket. By taking some of those retirement plan withdrawals early, you can take advantage of those low tax years and at the same time, help you get a bigger Social Security check down the road. It could also take some pressure off of some of those required minimum distributions. Maybe some of those won't be so high and pushing you up into those higher tax brackets. We can also look at doing some Roth conversions too as a way to take advantage of some of those low tax years. The second mistake is Taking Your Distributions At Too High Of A Rate. What I mean by this is that there are some schools of thought out there. Probably the most prominent of these is something called the four percent rule. This was created by financial planner, William Bengen back in the 90s, and he did a lot of math, studied some probability and statistics, and said that if you limit your retirement plan withdrawals to no more than four percent of your entire portfolio each year, you should have a pretty good chance that your money is going to last you throughout the rest of your lifetime. If we think about the four percent as kind of our withdrawal rate that we should be targeting, consider that if we go up to five or six percent, it may not seem like a big difference, but looking at the math, your probability of running out of money goes up pretty high once you start getting up to five, and especially once you get up to six percent or more. The last mistake is Not Understanding Your Cash Flow Needs. One of the things that we want to understand are some of the variabilities that you might be experiencing with your income and your expenses in retirement. Here we talk about the sequencing of returns. That's what William Bengen did when he did his research on the four percent rule. If we're earning, let’s say, a six or seven percent average return over time, because of the sequencing of returns, we could end up with a bad string of years where we're not earning that average or we have down markets, what is the impact of that on our long-term ability to sustain our retirement withdrawals? One of the ways we can get around this is to use a bucket strategy. What that means is we keep one to two years worth of liquid cash reserves in an account that's very safe, very accessible, so that as you need money to supplement your retirement, we don’t have to take it out of some of the riskier investments that might be in the stock or the bond market. (continued on blog)
Views: 319 Money Evolution
Can retirement planning ruin a marriage?
 
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"Retire Inspired" author Chris Hogan on how to get on the same page with your spouse on retirement planning.
Views: 320 Fox Business
Self Directed IRA Featured in the news
 
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http://www.sensefinancial.com Self Directed Real Estate investing featured in the news again... Sense Financial Services is one of the market's leading providers of Self Directed Checkbook IRA and Solo 401k Plans. Over the last few years we assisted hundreds of clients take back control over their retirement funds while gaining the ability to invest in non-traditional investment such as real estate, tax liens and tax deeds, precious metals, start up businesses, mortgage notes and so much more. With our plans we help you avoid high custodian fees and provide you with "Checkbook Control" over your retirement account. Contact us today for a Free Consultation (949)228-9393
Views: 75 SenseFinancial.com
The Retirement Red Zone – On the Money News
 
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The Retirement Red Zone is defined as the Five Years before and the five years after Your Retirement Date. It’s also been called the most Dangerous Decade of your financial life. In the NFL stats and the facts about the Red Zone are crunched and processed through a gauntlet of analytics in attempt to craft a game plan that will maximize the time in the Red Zone. But often the results are basically the same: just a field goal. So one of the axioms of the NFL is that accumulate yardage doesn’t necessarily equate to points on the board. Accumulating money doesn’t mean much if adviser fees, fund expenses and plan administration costs erode your investment return. That’s why it’s in your interest as a retirement plan participant to know the score on these three critical items. After the market meltdown of 2008, many baby boomers doubled down on high risk investments in an attempt to make up for losses. Other baby boomers have been on the sidelines for the last five years, fearful of entering the market again. Both could be huge mistakes just before retirement. One of the biggest mistakes during the last five years before retirement is not working long enough because you haven’t anticipated your projected life expectancy. After retirement, one of the biggest mistakes during the first five years is not participating in a hybrid retirement, working part time with full retirement income. Again, life expectancy is ever evolving and it’s the number one risk in retirement. Another mistake is not taking into consideration taxation on qualified retirement funds and their correlation to Social Security benefit taxation. Many financial advisors tout the benefits of tax correlation and tax diversity in retirement to generate more spendable income. Delaying the Social Security benefits of the primary breadwinner until age 70 can generate a dramatic increase in Social Security income. Delaying qualified retirement plan income until age 70½ may also increase your overall payout of your qualified retirement plan. If you can defer qualified plan distributions, then consider using a Qualified Longevity Annuity Contract (QLAC) that lower your required minimum distributions by deferring them as far out age 85. These are just a few ideas from the retirement planner playbook. So when you enter the retirement red zone, you make the most out of it. For more information on how you make the right moves in the retirement red zone, just email me… steve@onthemoneynews.com Syndicated financial columnist and news anchor Steve Savant delivers high value information in a news brief format for consumers in or near retirement. (onthemoneynews.com) https://youtu.be/etAw17VkWf4
Views: 1837 On the Money News
Top Tips For Maxing Out Your Retirement Account
 
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For most corporate accountants, the fourth quarter of the year represents an opportunity to accomplish or finish all of the financial objectives that are still left on the books for that time period. Those who are contributing to any type of retirement savings account should view the last three months of the calendar year in the same manner. The end of September is a good time for employees and business owners to assess the contributions and other activity in their IRAs and retirement plans over the past nine months. If you are behind in your retirement plan contributions for the year, this is the time to figure out how to catch up. Here are some tips you can use to make certain that you effectively maximize your retirement plan contributions before the year is out. IN PICTURES: 9 Ways To Use A Tax Refund Catch Up ContributionsIf you are age 50 or above, then you are allowed additional contributions to either your qualified plan or IRA for the year. For 2010, qualified plan participants can add another $5,500 of additional catch-up contributions on top of the maximum $16,500 allowed for qualified plans, or another $1,000 to a traditional or Roth IRA on top of the maximum allowable contribution. Therefore if you have already reached your normal contribution limit for your plan or account for the year, then don't forget to sock away the additional catch-up amount if you qualify. Roth ConversionsTaxpayers who may not have high enough income to take advantage of tax credits or deductions that they will be entitled to when they file should consider converting an appropriate portion of any traditional IRA or qualified plan balances into a Roth IRA before the end of the year. The tax from the additional income that is generated by the conversion can then be written off against the credits or deductions. Furthermore, the $100,000 aggregate income limit for Roth conversions has been lifted for 2010, making this an especially good time to transfer retirement plan balances into tax-free Roth accounts. Deductible Contribution Limit CalculationsEmployees who contribute to both an employer-sponsored qualified plan and a traditional IRA may face a dollar limit on the amount of money that they can deduct on their IRA contributions if their incomes exceed a certain threshold. For this reason, it may be advantageous for the employee to wait until the following year to contribute to the IRA if the amount of income to be reported next year is expected to be less than the current year. Start A Self-Employed Retirement Plan and/or HSATaxpayers who own their own businesses and currently have no retirement plan of any kind can drop nearly $50,000 into a self-employed 401(k) or SEP plan before the end of the year. If the owner does not anticipate needing to take large lump-sum distributions from this account, then a traditional plan can provided a substantial year-end tax deduction for those seeking relief in this area. Health Savings Accounts (HSAs) can p
Self employed? How much should you be saving for retirement?
 
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Certified Financial Planner™ Bryan Beatty, CFP®, a partner at the Northern Virginia firm Egan, Berger & Weiner, LLC, stars in this segment on News Channel 8's "Let's Talk Live" show. He explains that whether or not you are self-employed, it's not difficult to set up and maintain a retirement plan. And he shares the difference between a Traditional IRA and a Roth IRA, as well as the other retirement plans self-employed people should be aware of. Last but not least, he offers insights into exactly how much the average person really needs to save for a comfortable retirement. Securities and Investment Advisory services offered through ING Financial Partners, member SIPC Egan, Berger and Weiner, LLC is not a subsidiary of nor controlled by ING Financial Partners.
Views: 765 InkandescentTV
How to Plan for a Successful Retirement | S. 2 Ep. 6
 
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Retirement doesn’t have to be complicated. CFP® Joe Anderson is joined by CPA “Big Al” Clopine to bring you the most effective strategies when planning for this crucial time in your life. Learn how to maximize social security, grow your income, and better understand your spending by dividing it into necessities, wants and wishes. Although it can be broken down in simple terms, retirement isn’t a walk in the park for everyone. Don’t let the challenges of retirement come as a surprise; feel prepared for those bumps in the road by tuning in to Joe and Big Al as they guide you toward the successful retirement you’ve always wanted. 1:49 “About 99% of what you think you knew about retirement does not matter” 3:43 “Healthcare costs are the unknown variable costs in many people’s retirement plans that can dramatically decrease the size of your retirement nest egg” 6:12 “One of the biggest mistakes that retirees make is that they stay in their house too long; this could be one of your largest expenses” 9:38 “If you are still working, you’re still an active participant in your 401(k) plan, you do not have to take a required minimum distribution until April 1st, the year after you retire or separate from service” 11:40 “We’re counting social security, pension, and real estate; that would be your fixed income. Then, you look at all your liquid investments and take 4% of that balance to give you approximately how much you should distribute and still be okay cash flow wise” 15:41 “The bottom line is that you have to plan for this, you have to take a little bit of time and map things out” 22:17 “When you are work longer or work part time, you could delay your social security; the magic age is age 70, you get the highest level that you’re allowed” If you live in southern California and would like to schedule a free assessment with one of our CFP® professionals, copy/paste this link in your search bar: https://purefinancial.com/lp/free-assessment/ Make sure to subscribe to our channel for more helpful tips and stay tuned for the next episode of “Your Money, Your Wealth.” Channels & show times: yourmoneyyourwealth.com http://purefinancial.com Aired: 2/7/15 IMPORTANT DISCLOSURES: • Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, Inc. A Registered Investment Advisor. • Pure Financial Advisors Inc. does not offer tax or legal advice. Consult with their tax advisor or attorney regarding specific situations. • Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. • Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. • All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. • Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors.
Retirement Planning
 
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Certified Financial Planner Edward Maher gives advice on how to plan for retirement by investing in options like a 401k plan or IRA. He also explains how you can project the amount of money you will need in retirement.
How to Plan for the Longevity Risk in Retirement
 
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Retirement can easily last more than twenty years, yet many investors plan for a short stay once they exit the workforce. After all, they figure they did their job by saving 80% of their salary in their nest egg. But with the population living longer, that idea is getting turned on its head. Longevity risk is real and without planning for it, many retirees are going to face a big shortfall between the amount they save and how much they actually need. Take healthcare costs alone. According to Fidelity Investments, a healthy couple will need $245,000 to cover medical costs in retirement and that doesn't include any unexpected injuries or illnesses. Add a stay in a nursing home or assisted living facility and it could easily bankrupt a couple or individual. For consumers who don't plan for longevity risk, it could result in a big downsizing of the person’s retirement lifestyle or worse a return to the workforce. But that doesn’t have to be your fate. Planning for living longer than expected in retirement can go a long way in ensuring you have the retirement you are saving for. From delaying when you collect Social Security to increasing contributions, here’s a look at three ways to prepare for the longevity risk. (Read more, here: How To Hedge Longevity Risk With Annuities.) Boost Your Contributions To A Company Sponsored Retirement Plan For most U.S. workers their main way to save for retirement is through a company-sponsored 401 (K) or via an IRA. For people who are age 50 or older, there is a way to increase the amount they can contribute to their 401 (K) or IRA, which can go a long way in boosting the amount they have when they do decide to retire. Recognizing that many Americans are woefully unprepared for retirement, the U.S. Government allows people age 50 and older to contribute extra to their 401 (K) or IRA accounts. Known as catch-up contributions, for 2016 individuals over the age of 50 can contribute an extra $6,000. That’s in addition to the maximum $18,000 allowed for workers under the age of 50. Delay Collecting Social Security For employees who are behind in saving for retirement or who want to save more to prepare for a lengthy retirement, another smart strategy is to delay when they collect Social Security benefits. While many react when they hit their full retirement age and start drawing down monthly benefits, it’s not always the smartest move. They figure they better take it now because Social Security may not be around in the coming years or worse they may get sick and have a short retirement. But the longer you wait to start collecting benefits the more you can make. That’s because for every year past your full retirement age until age 70 gets you a delayed retirement credit. Let’s say you were born in 1943 or later. Each year you delay collecting means 8% more in your coffers. Consider Long-Term Care Insurance The chances of getting hurt or sick in retirement where it will require in-home health care o
Tax Free Retirement Savings Plan
 
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Tax Free Retirement Savings Plan - The #1 Best Tax Free Retirement Savings Plan is at: http://BarefootRetirement.com Would you like to retire tax free? I mean 100% tax free and pay ZERO taxes during retirement? You actually can with this little known plan. In a nut shell, this is how it works. You put in after taxed dollars into the plan. There is No Limit to how much you can put into these plans. Unlike ROTH IRAs, IRAs, 401ks etc.... this plan allows you to contribute unlimited amounts into this plan. Some people put millions of dollars a year into these amazing tax savings plans. Your money grows tax free. If you need the money, you can take it out at any time, tax free and with no fees or penalties. When you retire, you pull the money out tax free... yes all of it. When you pass away, remaining funds pass to your heirs tax free. This plan it totally Private. There is no reporting of this required at all. It can generate a life time, tax free income that lasts as long as you last. To find out more about how YOU can retire 100% tax free call us today at 866-480-7784. You can also pick up a totally free copy of our best selling book titled: The Barefoot Retirement Plan. It's been downloaded over 125,000 times and it changing lives. You can get your free copy of this eye-popping book at: http://BarefootRetirement.com/book Now you can have the tax free retirement you've always wanted.
The Importance of Planning for Your Retirement - Money Matters | Mountain America Credit Union
 
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Andy: Welcome back. All during July we're talking about retirement here on our Money Monday segment, and making sure you are prepared for the future. We're joined today by Matt Meese. He's the sales manager for investment and insurance with Mountain America Credit Union. All right Matt, I got to ask because it may seem obvious, but tell us why planning for retirement, it's so important. We hear about all the time, we're inundated with the commercials, but why is it so important that we start planning and start planning early? Mike: It's so important because of the financial landscape has changed dramatically in the last few years. Pensions and other guaranteed sources of income are not as common as they used to be. Social Security's in question. A lot of that has placed the responsibility back on us as individuals to save for retirement. Andy: Even the things that are there are not necessarily guaranteed, when you think about the Social Security. Things can frankly change with your company. They can do away with pensions and things like that, too. Mike: Yep. Andy: Last week we talked about 401Ks and IRAs. Easy question here: What do you do if you don't have one out there, a 401K right now? Should you panic if you're in your 40s or maybe getting close to the age where you want to start thinking about getting out of the workforce? Mike: 401K's the most common type of retirement savings account and, even though that's the most common, not everybody has a 401K. To answer your question, don't panic, but yes, do plan. The 401K, even though it's employer-sponsored, some people may be self-employed, may be working for a small employer, and don't have access to a 401K. That's the time to look at other options. Andy: I think if small business owners and maybe people who're employed on their own, what's the best way to get started if you're not working for a large company and you don't have an employer match type program? Mike: The first is to open an IRA, an individual retirement account. As we spoke last week, that IRA, you can contribute up to $5500 annually. If you're over 50, you can contribute $6500. In a traditional or a ROTH IRA, you're committing dollars to that long-term retirement goal. Any time after 59.5. With a traditional and ROTH, the difference is when do I pay the taxes? With a traditional, I defer until sometime after 59.5. With a ROTH, it's just the opposite. You pay the taxes today and then don't pay any taxes after 59.5. Andy: I always get nervous when I think about that. For even myself, it's like when is the money going to be worth more? Now or later? Depending on when you pay the taxes. Mike: Right. Andy: It's a tough decision I guess you have to make. Mike: It is. It's a tax decision. Do I want to take the pain today or do I want to defer it later? Everybody's situation's a little bit different. I think that's again where you'd want to look at other options and really explore what fits my situation best? Andy: All right, Matt Meese here from Mountain America Credit Union. More information at MACU.com, if you'd like to check it out. Tons of resources, guys, and we talk about it every Money Monday here on the Browser 5.0. Thanks Matt. Mike: Good to see you Andy: All right. Over to you, Gloria. Gloria: Okay, here's-
401k Fee Disclosure Requirements: Communicating with Plan Participants
 
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Under new ERISA requirements effective July 1, 2012, plan sponsors will be required to disclose fees and compensation paid in connection with 401k retirement plans. In the last installment of this 3-part video series, HR.BLR.com Editor Chris Ceplenski explains what information about your plan you must communicate to participants and when you must disclose it. Learn more about BLR's 2012 New Fee Disclosure Rules: What You Need to Communicate About 403(b) and 401(k) Plan Fees: http://catalog.blr.com/product.cfm/product/30618660/
Views: 302 BLR
4 Retirement Risks to Prepare For | S.4 Ep.2
 
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In this episode, Joe and Al cover four crucial retirement risks to prepare for: 1. Running out of money 2. Investment risk 3. Sequence of returns 4. High taxes Find out how to mitigate these risks properly so you can be fully prepared for retirement. Important Points: 1:19 "Here's a risk that you are probably not identifying in your overall retirement..." 2:40 "Here's the other thing is longevity; we're living a lot longer so your money's got to last longer." 3:13 "Make sure you have the right investments and investment risk - if you're too aggressive, you risk losing your portfolio. If you're too conservative, you're going to lose your money safely so there's go to be some sort of balance there." 5:26 "What percentage should you be pulling from your overall portfolio? This is called a sustainable distribution rate. This helps you identify out how much you should be pulling from your portfolio." 8:17 "Investing 101 - let's take a look at what we need to do here. Let's start with calculating your family index which means figure out what rate of return you need to make this portfolio work." 11:00 [True or false?] "Savings accounts are good investments because they are risk-free." 11:17 "They're not risk-free; you know why? They generally don't keep up with inflation, and that's a huge risk. In fact, when you have all your money in savings accounts it's almost guaranteed you're going to lose money over the long-term because it's eroding your purchasing power." 14:19 "Roth conversions make a lot of sense for a lot of people but we would suggest you do a little more detailed planning for that." 14:25 "Let's get into one of the biggest risks out there that a lot of people don't really understand - it's called sequence of returns risk." 16:41 "Let's talk about how to mitigate the sequence of returns risk. First of all, invest in the safest portfolio possible. Do a little analysis to figure out the rate of return you need." 17:51 "There are three different pools of money that you can invest in: tax-deferred, tax-free and taxable...if you can be diversified in your strategy (and have a money in each pool), you can significantly reduce the amount of taxes you pay when you start taking those distributions." 20:12 "This really is what everyone's goal should be when it comes to retirement planning, because then their money is going to stretch out that much more." 21:43 [True or false?] "Small company funds always receive higher returns than large cap funds." 23:20 [Email question] "We liquidated all of our stock investments and now only have cash. My husband and I are worried about losing our retirement funds. Should we get back in the market or stay in cash? We'll probably need to save about $150,000 more to retire comfortably in five years." 24:09 "Your time frame is not your retirement date; your time frame is end of life so you want to make sure you have enough risk in your portfolio to make sure you can maintain that lifestyle for the next 30 years (or so)." If you would like to schedule a free assessment with one of our CFP® professionals, click here: https://purefinancial.com/lp/free-assessment/ Make sure to subscribe to our channel for more helpful tips and stay tuned for the next episode of “Your Money, Your Wealth.” Channels & show times: yourmoneyyourwealth.com https://purefinancial.com IMPORTANT DISCLOSURES: • Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, Inc. A Registered Investment Advisor. • Pure Financial Advisors Inc. does not offer tax or legal advice. Consult with their tax advisor or attorney regarding specific situations. • Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. • Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. • All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. • Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors.
Retirement Planning Salt Lake City | Retirement Planning Provo | IRA Alternative
 
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http://retirementmax.weebly.com/ We Will Be Glad To Provide You Information or a Free Customized Proposal That Will Detail How This Can Benefit You You can call us directly: 888-405-2919 Or email us: twoodard@berkridgeadvisor.com Retirement planning: Plan your retirement for income through mutual fund investment. Most of the people I have met have not planned for their retirement as they say 'future is unpredictable and we need to live in present' but my dear friend's future is the outcome of present, our present will decide our future. When we think of retirement we generally think of old age, a period when you have to give up the job and sit at home doing nothing. Contrary to the fact, most of the retiree lives a very active life. We need to seriously consider out planning towards retirement because once we retiree our income stops coming but our expenses remain as it is and in some cases it rises with the rising inflation. In this regard mutual fund has turned out to be the right answer for making retirement planning easier and safer. Mutual fund being managed by professionals is a key to effective retirement planning. Some people like it. Some people don't but the fact is that retirement is a reality for every working person. Most young people today think cannot think of retirement as reality as they believe in 'living at present'. However, it is important to plan for your post-retirement life if you wish to retain your financial independence and maintain a comfortable standard of living even when you are no longer earning. This is extremely important, because, unlike developed nations, India does not have a social security net. In India people still depend upon bank savings and fixed deposits for retirement purpose, which is unfortunately inadequate. Retirement Planning acquires added importance because of the fact that though longevity has increased the number of working years haven't, so you end up spending the last phase of your life without earning. In simple words, retirement planning means making sure you will have enough money to live on after retiring from work. Retirement should be the best period of your life, when you can literally sit back and relax or enjoy your life by reaping benefits of what you earn in so many years of hard work. But it is easier said than done. To achieve a hassle-free retired life, you need to make prudent investment decisions during your working life, thus putting your hard-earned money to work for you in future. Retirement calculator Forbes Retirement savings Related tags: retirement planning Salt Lake City retirement pension near me financial planning financial planning and retirement retirement planning retirement taxes early retirement tax calculator income tax calculator retirement calculator retirement planning calculator retirement planning articles retirement planning spreadsheet retirement saving retirement planning software retirement party planning planning retirement calculator life planning retirement financial planning for retirement planning for retirement in your 20s early retirement pension retirement pension tax Roth Annuity 401k 403b IRA Management irs alternative minimum tax self directed ira alternative roth ira alternative to 401k and ira alternative mutual funds real estate investment trust ira living trust ira
Do you have a retirement plan? | The McClelland Financial Group | tmfg.ca
 
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Creating a financial plan is the first step in securing a successful retirement. Similar to constructing a home, the end result is achieved when a blueprint is created and followed to completion. Your retirement is no different. Start with determining what you want retirement to look like, create the plan and then follow the steps to get there. Speak with one of our Certified Financial Planner professionals today. The McClelland Financial Group of Assante Capital Management Ltd. Location: 7787 Yonge Street, Thornhill, ON, Canada, L3T 7L2 Telephone: 905 771 5200 Website: www.tmfg.ca Managing your money and planning your financial security are not easy tasks. Time constraints, ever changing tax laws, a confusing assortment of investment options -- all present roadblocks for most people in addressing their financial affairs in any effective and coherent way. As your trusted financial advisor, our objective is clear -- to assist you in ensuring a secure financial future for you and your family. After meeting with you and discussing your current objectives we begin developing a plan for your financial future. Produced in consultation with our team of professionals, this strategy lays the foundation to ensure that no matter what happens to the economy, the stock market, or the world, you will feel comfortable and confident in being able to secure your financial future. Our disciplined application of our strategy means you can rely on us to make it happen.
Views: 1513 Rob McClelland
How to Make Your Retirement Nest Egg Last as Long as You Do
 
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Take these steps to avoid outliving your savings when you retire.
Views: 362 Kiplinger
BREAKING: He Was DRAGGED OUT the FBI Offices! JUSTICE Finally Strikes DEEP STATE Rat In the FACE!
 
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Free Gold Guide: https://noblegoldinvestments.com/gold-ira-guide-nnn/ Get Email Alerts! http://nnn.is/email-newsletter-next-news Subscribe: http://nnn.is/Sub-to-N3 Multiple outlets reporting that Deep State Rat, Adulterer, and documented FBI Trump Hater Peter Strozk was just forcibly removed from the FBI Building. See the report here: https://youtu.be/-BVMmy_xUe0 Read More/Source/Credit/FairUse: https://talk1200boston.iheart.com/featured/the-sean-hannity-show/content/2018-06-19-hannity-strzok-out-the-anti-trump-agent-is-escorted-from-fbi-headquarters/ Share this to Facebook: https://www.facebook.com/sharer.php?u=https://youtu.be/-BVMmy_xUe0 Tweet This video: https://twitter.com/home?status=Must%20See!%20https%3A//youtu.be/-BVMmy_xUe0 Got Kids or Grandkids? Take a break at our new Kids Channel: (( SUBSCRIBE )) http://bit.ly/sub-to-Banchi-Brothers ------------------------------------------------------------------------------------ SUPPORT THE NETWORK WITH THE LINKS BELOW! ------------------------------------------------------------------------------------ Patreon $5/mo: http://nnn.is/monthly-gift-5 Donate with Paypal: https://nnn.is/give-once Give BTC: 13Hd1HFqS5CDLCMcFQPWu9wumubo6X2hSM Next News T-Shirt Shop: http://nnn.is/get-your-gear-here Teach Your Child About Liberty: http://nnn.is/1HvxU37 Learn How To Make Easy Money Trading: https://www.tradegeniusacademy.com 50% off with PROMO CODE: Makemoney Protect Your Information From Big Data - Click Here! https://www.virtualshield.com/nextnews Enter Promo Code: nextnews for 20% OFF ! Stock Up On Survival Food Today! http://PrepareWithGary.com GET YOUR TACTICAL GEAR! https://www.ruggedreserves.com Get The Survivor Flashlight - https://ruggedreserves.com/pages/the-original-rugged-reserves-tactical-flashlight-survivor Get The Night Protector Flashlight - https://ruggedreserves.com/pages/the-original-rugged-reserves-tactical-flashlight ---------------------------------------- FOLLOW US ON SOCIAL! --------------------------------------- http://Facebook.com/NextNewsNet http://Twitter.com/NextNewsNet http://NextNewsNetwork.com Hashtag: #N3 Copyright Disclaimer: Citation of articles and authors in this report does not imply ownership. Works and images presented here fall under Fair Use Section 107 and are used for commentary on globally significant newsworthy events. Under Section 107 of the Copyright Act 1976, allowance is made for fair use for purposes such as criticism, comment, news reporting, teaching, scholarship, and research. Community Guidelines Disclaimer: The points of view and purpose of this video is not to bully or harass anybody, but rather share that opinion and thoughts with other like-minded individuals curious about the subject.
Views: 23184 The Next News Network
Retirement Planning Workshop
 
04:11:09
Duke HR provides information on retirement planning and Duke benefits in retiring.
Roth IRA vs Traditional IRA
 
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We received some follow-up questions to last week's topic, when I said it would be a good idea to roll over the money in your 401K to an Individual Retirement Account, if your company allows it. Some were wondering if they could then convert that to a Roth IRA, and what the advantages would be to taking that action. Well, first, let me take you through the process. ...
Views: 4422 WUPW
BREAKING: 100% CONFIRMED! James Comey Sweating Bullets After IG VERIFIES His Worst Nightmare!
 
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Free Gold Guide: https://noblegoldinvestments.com/gold-ira-guide-nnn/ Get Email Alerts! http://nnn.is/email-newsletter-next-news Subscribe: http://nnn.is/Sub-to-N3 Emily Zanotti for the Daily Wire reports, The FBI's Inspector General, Michael Horowitz, confirmed that former FBI director James Comey is under investigation, with investigators looking into whether Comey mishandled classified information when he shared records of his conversations with President Donald Trump with a friend. See the report here: https://youtu.be/UPlZW7n-EYM Read More/Source/Credit/FairUse: https://www.thegatewaypundit.com/2018/06/breaking-horowitz-confirms-comey-under-investigation-for-handling-of-classified-memos/ Share this to Facebook: https://www.facebook.com/sharer.php?u=https://youtu.be/UPlZW7n-EYM Tweet This video: https://twitter.com/home?status=Must%20See!%20https%3A//youtu.be/UPlZW7n-EYM Got Kids or Grandkids? Take a break at our new Kids Channel: (( SUBSCRIBE )) http://bit.ly/sub-to-Banchi-Brothers ------------------------------------------------------------------------------------ SUPPORT THE NETWORK WITH THE LINKS BELOW! ------------------------------------------------------------------------------------ Patreon $5/mo: http://nnn.is/monthly-gift-5 Donate with Paypal: https://nnn.is/give-once Give BTC: 13Hd1HFqS5CDLCMcFQPWu9wumubo6X2hSM Next News T-Shirt Shop: http://nnn.is/get-your-gear-here Teach Your Child About Liberty: http://nnn.is/1HvxU37 Learn How To Make Easy Money Trading: https://www.tradegeniusacademy.com 50% off with PROMO CODE: Makemoney Protect Your Information From Big Data - Click Here! https://www.virtualshield.com/nextnews Enter Promo Code: nextnews for 20% OFF ! Stock Up On Survival Food Today! http://PrepareWithGary.com GET YOUR TACTICAL GEAR! https://www.ruggedreserves.com Get The Survivor Flashlight - https://ruggedreserves.com/pages/the-original-rugged-reserves-tactical-flashlight-survivor Get The Night Protector Flashlight - https://ruggedreserves.com/pages/the-original-rugged-reserves-tactical-flashlight ---------------------------------------- FOLLOW US ON SOCIAL! --------------------------------------- http://Facebook.com/NextNewsNet http://Twitter.com/NextNewsNet http://NextNewsNetwork.com Hashtag: #N3 Copyright Disclaimer: Citation of articles and authors in this report does not imply ownership. Works and images presented here fall under Fair Use Section 107 and are used for commentary on globally significant newsworthy events. Under Section 107 of the Copyright Act 1976, allowance is made for fair use for purposes such as criticism, comment, news reporting, teaching, scholarship, and research. Community Guidelines Disclaimer: The points of view and purpose of this video is not to bully or harass anybody, but rather share that opinion and thoughts with other like-minded individuals curious about the subject.
Views: 15263 The Next News Network
Ed Sheeran - The A Team [Official Video]
 
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Official music video for Ed Sheeran's 'The A Team'. Listen to the remix EP here: http://bit.ly/ATeamEP Subscribe to Ed's channel: http://bit.ly/SubscribeToEdSheeran Watch all of Ed's official videos: http://bit.ly/EdOfficialVideosPlaylist Hear Ed's new album, 'x': http://bit.ly/XOfficialPlaylist Follow Ed on... Facebook: http://www.facebook.com/EdSheeranMusic Twitter: http://twitter.com/edsheeran Instagram: http://instagram.com/teddysphotos Official Website: http://edsheeran.com ** The best artists, the best albums, the best price ** Get the FREE app now & be the first to discover TOP MUSIC DEALS http://Smarturl.it/top-music-deal Credits 'Angel' - Selina MacDonald Housemate - Katie Brady Music by Ed Sheeran Produced by Jake Gosling Directed & Filmed by Ruskin Kyle (http://www.riversrush.com)
Views: 280623441 Ed Sheeran
Free Derry: The IRA Drug War
 
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Subscribe to VICE News here: http://bit.ly/Subscribe-to-VICE-News In February 2014, letter bombs were sent to nine British Military recruitment offices over the course of three days. Londonderry postmarks, a coded message sent to a Northern Irish newspaper, and security forces at Downing Street all pointed to the New IRA as the main suspects. Last Summer, VICE News visited Derry and heard from Gary Donnelly - the most prominent dissident republican in Londonderry, accused of leading operations for the Real IRA - that these attacks on Britain were to be expected as part of "strategic attacks on high profile targets," as "it's England that's occupying Ireland." In 'Free Derry: The IRA Drug War', VICE News investigate how, sixteen years after the Good Friday peace agreement and on the eve of the first major loyalist parade through the city in four years, dissident republican activity in Derry is increasing thanks to the merger of the Real IRA with anti-drugs vigilantes. VICE News reporter Alex Miller speaks to members of the Republican Action Against Drugs (RAAD), who formed the coalition with the Real IRA, and meets supporters as young as thirteen who are being armed with petrol bombs to combat criminal gangs and intervening police. For the first time, Paul Stewart, a close friend of slain Dublin Real IRA leader Alan Ryan, speaks on camera about witnessing the murder, as well as sharing insights on Ryan's war against drug dealers. Miller also interviews the mother of Andrew Smith, a man who she says was murdered by the Real IRA despite no affiliation with drugs related crime, before hearing from a Derry ex-drug dealer who now claims that, if the New IRA didn't fight drugs, "this town would be filled with ecstasy and rat poison and kids would be dying." VICE encounter a city where kneecappings and shootings are rife, walls are branded with anti-UK slogans, and where a policeman can scarcely walk down the street - according to Gary Donnelly - "without being killed". In "Free Derry: The IRA Drug War", VICE unmask the farcical veneer of the UK's 'City of Culture' 2013. Check out the VICE News beta for more: http://vicenews.com Follow VICE News here: Facebook: https://www.facebook.com/vicenews Twitter: https://twitter.com/vicenews Tumblr: http://vicenews.tumblr.com/
Views: 2262730 VICE News
PRANKS! 12 Funny Pranks Compilation & Best Halloween Prank Wars
 
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Pranks for kids! In this prank video I show 12 best funny pranks compilation & Halloween prank wars for friends. My Funny Videos: https://goo.gl/xG4Gcj. These funny pranks are also perfect for back to school and April fools day. My top prank vs prank wars will show how to be a prank king and pull off girlfriend pranks, pranks for friends and family, pranks for siblings, bad kids and bad baby funny pranks with food or toys. A scary roommate prank calls for use of toys like slime, spiders and snakes. Our funny prankinvasion wouldn't be complete without pranks for kids to do at home and pranks for kids to do on parents. All prank ideas are easy, simple and perfect for pranking beginners. Prank kiss or prank scream, pranks with girls or boys, this video will show you that there is no prank gone wrong situation for you ;) Help me translate this funny pranks video: https://www.youtube.com/timedtext_video?v=3Q5dFeucPVc This halloween pranks video is also a day in life of two roommates on halloween. First funny prank idea is a balloon prank. Draw a face on the balloon and stick it to the ceiling so it hangs right above your friend's face. Your friend will get shocked, right when they wake up! Cool pranks for siblings, girlfriends and friends are to stick the slippers to the floor or apply some paint on the bottom side of the door handle! Bathroom pranks are always funny and you will learn quite a few of them in this prank wars video. Make a scarry towel with red hand marks to scare your parents or siblings. A great prank to do at home or an idea on pranks for back to school is to apply red acrylic paint on the faucet. When your school mates will want to wash their hands or brush their teeth, they will be in for a scarry surprise. One of my favorite pranks is a scarry shower prank on girlfriend, siblings or parents. Apply some red paint in the shower hose. The next person, who's going to take a shower will receive a red shower shock. Food pranks are always fun and I will show you quite a few of them in my prank wars video. Make prank cupcakes to trick your friends and family or take them to school and fool your classmates. Simply use a white toothpaste instead of frosting and prank cupcakes are ready to serve. If you are planning a movie night, make it fun and entertaining with prank pop corn. Mix together salt, pepper and a bit of oil. Place it on a pop corn and wait until your friend grabs it. Rude trick or treaters visiting you this halloween? No problem, treat them with delicious cake pops made with brussel sprouts. Yummy! Pranks with snakes, spiders, slime and toys never fail to impress. Stick a big fake spider inside the lamp shade to scare your siblings, parents or friends. Or simply place lots of spiders inside their bed, muhahaha! Remember it's always the best to be nice to people around you. However sometimes little, innocent tricks here and there make our lives more amusing and fun! Support us: https://www.patreon.com/SaraBeautyCorner Become my Friend & Enter Giveaways :) Instagram: http://instagram.com/sarabeautycorner Twitter: https://twitter.com/SaraBeautyC Google +: http://goo.gl/ci0OSI Facebook: http://goo.gl/020J6i Tumblr: http://goo.gl/Y7zYU8 Join our Nail Art G+ Community: http://goo.gl/RQ3SPC Join our DIY G+ Community: http://goo.gl/yAnZsQ Join our Comedy and Fun G+ Community: http://goo.gl/oD19bI Music from Monstercat: https://www.monstercat.com/ or http://www.youtube.com/monstercat and Epidemic Sound: https://goo.gl/5koA4i Music provided under Creative Commons Attribution 3.0 license (http://creativecommons.org/licenses/by/3.0/).
Bain Capital Executives' IRAs Swelled Under Unusual Investment Plan
 
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Bain Capital allowed its execs to co-invest in its deals using a dual-class share structure and via their IRAs, a system--uncommon among private-equity firms--that permitted outsize IRA growth and that might help explain Romney's unusually large IRA.
Views: 740 Wall Street Journal
Transfer 401k to IRA - Transfer 401k into IRA
 
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How to transfer a 401k to IRA – What is a 401k to IRA transfer? http://www.RetireSharp.com 1-800-566-1002. What are the best types of transfers regarding 401k to IRA for retirement and learn how you can avoid the most common mistakes that individuals make when looking to transfer 401k account into IRA retirement accounts. What's the Best Way to Roll Over 401k to IRA? Discover Some Winning Tactics If you're wondering; what's the best way to roll over 401k to IRA accounts, you are probably changing jobs. During this time of transition, you need fewer headaches, not more. The information in this article will, at least, help you make the transition to a new retirement account, painlessly. There are two basic types of IRS approved individual retirement accounts with tax advantages. They are the traditional and the Roth IRAs. Rolling over from a 401-K to a traditional account is fairly simple. As long as the assets are transferred from one account to the other or you deposit the assets into a new account within 60 days, there are no additional tax considerations. Transferring from a 401-K to a Roth is a bit different. Contributions to a 401-K or a traditional IRA are made with "pre-tax" dollars, meaning the contributions reduce the amount of taxable income that you have for the applicable year. Roth contributions are taxed as regular income. So, what's the best way to roll over 401k to IRA accounts of the Roth type? That depends on when you are reading this. At the time of this writing (2009), there are income and filing status restrictions to consider. Starting in 2010, those restrictions are lifted. You can open a Roth, regardless of your current income or filing status. The main thing that you need to consider is whether you want to pay taxes, today, or after you retire. If the contributions in your current account were made with pre-tax dollars, then any amount that you transfer to a Roth will need to be added to your annual income for the year. But, earnings within the account are tax-free and qualified distributions are never taxed. Here's another question. What's the best way to roll over 401k to IRA accounts that are self-directed? Self-directing has become increasingly popular over the last few years, as investors are looking for unique opportunities that are not usually offered by financial institutions. Self-directing allows you to use the account to purchase real estate, tax liens, mortgage notes and other similar financial instruments. The account can be used to loan money, too. You can earn interest equivalent to or greater than what banks charge for loans. That interest rate is always higher than what you would earn from a CD or other interest bearing account. So, what's the best way to roll over 401k to IRA self-directed funds? You simply need to do some comparative shopping. Choose a financial institution that has offered self-directed investing for many years. Make sure that they allow all of the different investment types that are allowed under the current tax law. Find out what kinds of transaction fees that they charge. Look for a company that charges a reasonable annual fee for providing IRS documents and doing other paperwork. What's the best way to roll over 401k to IRA? This article covers your options, but you might want to learn more about your investment options, before you make the change. Feel free to subscribe to our YouTube channel and receive instant access on different retirement related topics. Thanks for watching! Related Search terms: How to transfer a 401k to ira Transfer 401k rollover to ira Transfer 401(k) to ira Transferring a 401k into an individual retirement account How to transfer a roth 401k to a roth ira Best 401k to ira transfer for retirement planning vs transferring 401k to ira for retirement income planning https://www.youtube.com/watch?v=IsAkVtifVhU
Views: 368 retiresharp
Breaking: "Apocalyptic Fears Hawaii Volcano Summit Massive Collapse Mountain Imploding"
 
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http://www.paulbegleyprophecy.com "Apocalyptic Fears as Hawaii Volcano Summit has a massive collapse as mountain is imploding also Help Us Spread the Word https://www.paypal.com/cgi-bin/webscr?cmd=_s-xclick&hosted_button_id=D7WQL22GHQY2U also https://www.getthetea.com also https://www.tradegeniusacademy.com also http://www.paulbegleyprophecy.com also https://get.noblegoldinvestments.com/gold-ira-guide/?offer_type=gold&affiliate_source=affiliate_noble107 also http://www.paulbegleyprophecy.com also http://www.paulbegleyprophecy.com also Help Us Spread the Word https://www.paypal.com/cgi-bin/webscr?cmd=_s-xclick&hosted_button_id=D7WQL22GHQY2U also https://www.getthetea.com also http://www.paulbegleyprophecy.com also https://crusaderjournal.com also Get Pastor Paul's DVD "Rapture Ready" @ Link: https://store.paulbegleyprophecy.com/rapture-ready-dvd.html also Get Pastor Paul's DVD "Zombie Apocalypse" @ Link: https://store.paulbegleyprophecy.com/zombie-apocalypse-ii-dvd.html also Get Pastor Paul's DVD "Total Eclipse of the Son" @ Link: https://store.paulbegleyprophecy.com/a-total-eclipse-of-the-son-dvd-pre-order-now-ships-on-august-29-th.html also Get Pastor Paul's Book "Mark of the Beast RFID" @ https://store.paulbegleyprophecy.com/rfid-mark-of-the-beast-by-pastor-paul-begley.html also https://www.getthetea.com also https://preparewith.com/PaulBegley also https://www.standeyo.com also https://www.virtualshield.com/begley also https://get.noblegoldinvestments.com/gold-ira-guide/?offer_type=gold&affiliate_source=affiliate_noble107
Views: 29360 Paul Begley
President Donald Trump Delivers Remarks On Iran Deal - May 8, 2018 | CNBC
 
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President Donald Trump delivers remarks on the Joint Comprehensive Plan of Action from the White House Diplomatic Room. » Subscribe to CNBC: http://cnb.cx/SubscribeCNBC About CNBC: From 'Wall Street' to 'Main Street' to award winning original documentaries and Reality TV series, CNBC has you covered. Experience special sneak peeks of your favorite shows, exclusive video and more. Connect with CNBC News Online Get the latest news: http://www.cnbc.com/ Find CNBC News on Facebook: http://cnb.cx/LikeCNBC Follow CNBC News on Twitter: http://cnb.cx/FollowCNBC Follow CNBC News on Google+: http://cnb.cx/PlusCNBC Follow CNBC News on Instagram: http://cnb.cx/InstagramCNBC President Donald Trump Delivers Remarks On Iran Deal - May 8, 2018 | CNBC President Donald Trump announced on Tuesday he will withdraw the United States from the Iran nuclear deal and restore far-reaching sanctions aimed at severing Iran from the global financial system. "We will be instituting the highest level of economic sanction," Trump said. "Any nation that helps Iran in its quest for nuclear weapons could also be strongly sanctioned by the United States." The landmark 2015 nuclear agreement lifted sanctions on Iran that crippled its economy and cut its oil exports roughly in half. In exchange for sanctions relief, Iran accepted limits on its nuclear program and allowed international inspectors into its facilities. Exiting the deal fulfills one of Trump's campaign promises, but threatens to strain U.S. relations with some of its closest allies and disrupt a significant source of the world's oil. It also gives Iran the option of expelling inspectors and resuming nuclear activity that it has agreed to suspend. The Trump Administration will restore all sanctions on Iran suspended under the deal, a broad range of penalties that target Iran's energy industry, its financial institutions and industrial sectors, its ability to insure domestic businesses and its access to U.S. dollars and commodities. The Treasury Department is issuing statutory waivers that will allow the United States to wind down various aspects of the deal over 90-day and 180-day periods. The United States' outsize influence over the global financial system make its sanctions powerful tools. The Treasury Department can lock foreign businesses out of the U.S. market if they refuse to comply with sanctions on Iran. Trump has long threatened to scrap the accord, the signature foreign policy achievement of the Obama administration. However, he certified that Iran was complying with the agreement throughout his first year in the Oval Office, reportedly under pressure from the moderate wing of his administration. Still, the president began the process of unraveling the deal in October, when he told Congress the agreement was no longer in the country's national security interest. At that point his administration began to push Congress and European allies to reopen negotiations and revise the accord. When Trump certified Iran's compliance in January, he warned that it would be the last time unless Washington reached a deal with Europe to toughen the terms of the nuclear agreement. That deal has not materialized ahead of the next deadline on May 12. "Today's action sends a critical message," Trump said. "The United States no longer makes empty threats. When I make promises, I keep them." "As we exit the Iran deal, we will be working with our allies to find a real, comprehensive, and lasting solution to the Iranian threat," Trump added. Those efforts will target Iran's ballistic missile program and its role in conflicts throughout the Middle East, according to Trump. Along with those issues, Trump wanted Europe to agree to a deal that would make permanent certain restrictions on Iran's nuclear program that expire in 10-15 years. He also pushed for more intrusive inspections. In addition to the United States, Iran negotiated the nuclear deal with China, France, Germany, Russia and the United Kingdom. Those countries, along with the European Union, are trying to preserve the deal, creating the risk of a diplomatic and economic rift with the United States. "France, Germany, and the UK regret the U.S. decision to leave the JCPOA. The nuclear non-proliferation regime is at stake," French President Emmanuel Macron said, using the official name of the deal, the Joint Comprehensive Plan of Action. He added, "We will work collectively on a broader framework, covering nuclear activity, the post-2025 period, ballistic activity, and stability in the Middle-East, notably Syria, Yemen, and Iraq." Donald Tusk, president of the European Council, on Tuesday said Trump's polices will be met with a "European approach" that will be discussed at a summit next week.
Views: 71397 CNBC
BREAKING: Deep State Rats McCabe and Comey PANIC! Ted Cruz ROASTS FBI Director over HUGE Lie!
 
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Free Gold Guide: https://noblegoldinvestments.com/gold-ira-guide-nnn/ Get Email Alerts! http://nnn.is/email-newsletter-next-news Subscribe: http://nnn.is/Sub-to-N3 Terresa Monroe-Hamilton for RWN reports, Nothing says ‘guilty’ quite like refusing to testify and pleading the Fifth. That’s what happened with Comey, McCabe and Lynch in front of the House Intel Committee yesterday. See the report here: https://youtu.be/mayc9svWJPs Read More/Source/Credit/FairUse: https://rwnofficial.com/wow-panicked-mccabe-just-plead-the-5th-and-comey-refuses-to-testify-caught-in-huge-lie/ Share this to Facebook: https://www.facebook.com/sharer.php?u=https://youtu.be/mayc9svWJPs Tweet This video: https://twitter.com/home?status=Must%20See!%20https%3A//youtu.be/mayc9svWJPs Got Kids or Grandkids? Take a break at our new Kids Channel: (( SUBSCRIBE )) http://bit.ly/sub-to-Banchi-Brothers ------------------------------------------------------------------------------------ SUPPORT THE NETWORK WITH THE LINKS BELOW! ------------------------------------------------------------------------------------ Patreon $5/mo: http://nnn.is/monthly-gift-5 Donate with Paypal: https://nnn.is/give-once Give BTC: 13Hd1HFqS5CDLCMcFQPWu9wumubo6X2hSM Next News T-Shirt Shop: http://nnn.is/get-your-gear-here Teach Your Child About Liberty: http://nnn.is/1HvxU37 Learn How To Make Easy Money Trading: https://www.tradegeniusacademy.com 50% off with PROMO CODE: Makemoney Protect Your Information From Big Data - Click Here! https://www.virtualshield.com/nextnews Enter Promo Code: nextnews for 20% OFF ! Stock Up On Survival Food Today! http://PrepareWithGary.com GET YOUR TACTICAL GEAR! https://www.ruggedreserves.com Get The Survivor Flashlight - https://ruggedreserves.com/pages/the-original-rugged-reserves-tactical-flashlight-survivor Get The Night Protector Flashlight - https://ruggedreserves.com/pages/the-original-rugged-reserves-tactical-flashlight ---------------------------------------- FOLLOW US ON SOCIAL! --------------------------------------- http://Facebook.com/NextNewsNet http://Twitter.com/NextNewsNet http://NextNewsNetwork.com Hashtag: #N3 Copyright Disclaimer: Citation of articles and authors in this report does not imply ownership. Works and images presented here fall under Fair Use Section 107 and are used for commentary on globally significant newsworthy events. Under Section 107 of the Copyright Act 1976, allowance is made for fair use for purposes such as criticism, comment, news reporting, teaching, scholarship, and research. Community Guidelines Disclaimer: The points of view and purpose of this video is not to bully or harass anybody, but rather share that opinion and thoughts with other like-minded individuals curious about the subject.
Views: 12301 The Next News Network
BOOM! Trump Directs Pentagon to Create ‘Space Force,’ After Obama Gutted NASA
 
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Free Gold Guide: https://noblegoldinvestments.com/gold-ira-guide-nnn/ Get Email Alerts! http://nnn.is/email-newsletter-next-news Subscribe: http://nnn.is/Sub-to-N3 Alicia Powe for the Gateway Pundit reports, The National Aeronautics and Space Administration was preparing to take Americans back to the Moon and on to Mars—until President Obama took office. See the report here: https://youtu.be/mrFH4SmPjLM Read More/Source/Credit/FairUse: https://www.thegatewaypundit.com/2018/06/trump-directs-pentagon-to-create-space-force-after-obama-gutted-nasa-to-make-muslims-feel-good-video/ Share this to Facebook: https://www.facebook.com/sharer.php?u=https://youtu.be/mrFH4SmPjLM Tweet This video: https://twitter.com/home?status=Must%20See!%20https%3A//youtu.be/mrFH4SmPjLM Got Kids or Grandkids? Take a break at our new Kids Channel: (( SUBSCRIBE )) http://bit.ly/sub-to-Banchi-Brothers ------------------------------------------------------------------------------------ SUPPORT THE NETWORK WITH THE LINKS BELOW! ------------------------------------------------------------------------------------ Patreon $5/mo: http://nnn.is/monthly-gift-5 Donate with Paypal: https://nnn.is/give-once Give BTC: 13Hd1HFqS5CDLCMcFQPWu9wumubo6X2hSM Next News T-Shirt Shop: http://nnn.is/get-your-gear-here Teach Your Child About Liberty: http://nnn.is/1HvxU37 Learn How To Make Easy Money Trading: https://www.tradegeniusacademy.com 50% off with PROMO CODE: Makemoney Protect Your Information From Big Data - Click Here! https://www.virtualshield.com/nextnews Enter Promo Code: nextnews for 20% OFF ! Stock Up On Survival Food Today! http://PrepareWithGary.com GET YOUR TACTICAL GEAR! https://www.ruggedreserves.com Get The Survivor Flashlight - https://ruggedreserves.com/pages/the-original-rugged-reserves-tactical-flashlight-survivor Get The Night Protector Flashlight - https://ruggedreserves.com/pages/the-original-rugged-reserves-tactical-flashlight ---------------------------------------- FOLLOW US ON SOCIAL! --------------------------------------- http://Facebook.com/NextNewsNet http://Twitter.com/NextNewsNet http://NextNewsNetwork.com Hashtag: #N3 Copyright Disclaimer: Citation of articles and authors in this report does not imply ownership. Works and images presented here fall under Fair Use Section 107 and are used for commentary on globally significant newsworthy events. Under Section 107 of the Copyright Act 1976, allowance is made for fair use for purposes such as criticism, comment, news reporting, teaching, scholarship, and research. Community Guidelines Disclaimer: The points of view and purpose of this video is not to bully or harass anybody, but rather share that opinion and thoughts with other like-minded individuals curious about the subject.
Views: 6236 The Next News Network
The Retirement Wild Card That Can Derail Your Plan
 
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With every generation living longer than the one before it, strategic retirement planning is more important than ever. In addition, more and more adults are finding themselves sandwiched between supporting their children and their parents, as well as addressing their own financial security needs. Watch this 30-minute webcast to: • Learn how to protect yourself from one of the most significant risks to your retirement income: the impact of a long-term care event. • Understand the effects of caregiving on physical, emotional and financial levels. • Find out how a good plan can reduce the burden on your loved ones. • Get first-hand insight from New York Times best-selling author and Women Against Alzheimer’s co-founder, Meryl Comer.
Views: 2561 NorthwesternMutual
China's Future MEGAPROJECTS (2016-2050's)
 
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China is embracing megaprojects at an unprecedented rate and will - over the course of a few decades - complete a phase of infrastructure that will rival what the United States has built in its entire history. More information on China's Future Mgaprojects: http://www.nytimes.com/2015/01/13/bus... Subscribe to TDC for more videos like this: https://www.youtube.com/TheDailyConve... Like our page on Facebook http://www.facebook.com/thedailyconve... Join us on Google+ https://plus.google.com/1001349258045... Follow us on Twitter http://www.twitter.com/thedailyconvo Music: "Electro Sketch" - YouTube's Audio Library "Klockworx" - YouTube's Audio Library "Eighties Action" - YouTube's Audio Library "Heavy Interlude" Source: http://incompetech.com/music/royalty-... Artist: http://incompetech.com/ "Voyeur" - Jingle Punks - YouTube Audio Library "All This Scoring Action" All This - Scoring Action by Kevin MacLeod is licensed under a Creative Commons Attribution license (https://creativecommons.org/licenses/...) Source: http://incompetech.com/music/royalty-... Artist: http://incompetech.com/ "Tremsz" - Gunnar Olsen - YouTube Audio Library "Dream" - Elka https://www.youtube.com/watch?v=ja0C7... "Ambitions" - Glimpse https://www.youtube.com/watch?v=lGm5e...
Views: 1679660 The Daily Conversation
Learn English Tenses: 4 ways to talk about the FUTURE
 
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How many ways do you know to talk about the future in English? In this video, I will teach you four easy ways to talk about the future: will, going to, the present continuous, and the simple present. I will compare when and how we use these grammatical tenses to talk about the future. After you watch this lesson, quiz yourself to practice and make sure you get it. I know that you will do well. http://www.engvid.com/learn-english-tenses-4-ways-to-talk-about-the-future/ Hello. My name is Emma, and in today's lesson, I'm going to teach you the four futures. Okay? A lot of you know two futures, I think. A lot of you probably know "will" and "going to". I'm going to teach you two more futures today, and teach you how they're different from one another. Okay? So let's get started with the present continuous future. So the present continuous is when you have "be" verb, so "I am", "you are", "he is", "she is", "they are", I don't know if I said "we are", "we are" plus the verb and "ing". Okay? So we have "am", the verb, "ing". This is known as the present continuous. It's usually one of the first things you will learn when you're learning English. So a lot of you know the present continuous, and you think: "Oh, present continuous, it's taking place now." You're right, but we can also use it to talk about the future. We use the present continuous to talk about future that is going to happen very, very soon. So, for example, if you ask me: "Emma, what are you doing this weekend?" Well: "I'm hanging out with my friend, Josh, this weekend." Okay? Or I might say: "I'm shopping this weekend.", "I'm studying this weekend." If you ask me: "What are you doing tonight?" Well, you know, I want to be a good student, so: -"I'm studying tonight. I'm studying tonight." -"What are you doing next week?" -"Well, next week... I'm working next week." Okay? So present continuous is very, very common for when we're talking about the future that's going to happen soon. Not future that's going to happen 2,000 years from now or 50 years from now - no, no, that's far future. We're talking about the future that's going to happen in the next couple of days. Okay? So very, very soon future. We can also use the simple present to talk about the future. So, the simple present is when you take a verb and, you know, it's in the basic form, usually you add an "s". If it's third-person singular, for example: "I leave", "you leave", "he leaves", "she leaves", "they leave", "we leave". So this is all simple present. In your classes, you probably learned we use the simple present when we talk about routine. We can also use the simple present when we're talking about routines in the future. Okay? So, for example... And by this I mean timetables. We use this when we're talking about a schedule event; something that is scheduled to happen in the future. So, this usually has to do with when we're talking about transportation; trains, airplanes, we can use this tense. We can use it when we're talking about TV shows. We can use it when we're talking about restaurants opening and closing, or stores, when they open and close. So we use this when we're thinking about a schedule or a timetable. So here are some examples: "The last train leaves at 6pm today." So 6pm hasn't happened yet. It's in the future, but because this is a schedule event, it's a timetable event, it's a schedule, we can use the simple present. Here's another example: "The restaurant opens at 5pm today." So this hasn't happened yet. Right now, it is 2pm. This is going to happen in the future. But still, I use the simple present because this is a schedule. Okay? Every day the restaurant opens at 5pm. Here's a third example, I like watching TV, imagine I like The Big Bang Theory: "My TV show, The Big Bang Theory, starts at 4pm." So again, it's a routine, it's a schedule that takes place in the future, but it's still a schedule so we can use the simple present here. All right, so these two, even though they're present tenses, they can be used for the future. Now let's look at the two verbs we commonly use for the future or we commonly think of as future verbs. "Be going to" + a verb and "will". So, "be going to" + verb: "I'm going to study.", "I'm going to sleep.", "You are going to watch a video." Okay? These are examples of the "be going to" + verb future. So we use this when we're talking about the near future. Similar to this... So it's not a future that's very, very far away; it's soon, but it's a future where we think something is going to happen, and we have evidence that something is going to happen.