Search results “How long do ira plans last”
Retirement Plans: Last Week Tonight with John Oliver (HBO)
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: 9667169 LastWeekTonight
How Long Will My IRA Last - How Long Will My Traditional IRA Last
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: 130 retiresharp
Last-Minute IRA Contribution Can Cost You
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: 1094 Morningstar, Inc.
Retirement Plan: When to Spend Your Roth IRA, 401(k) & other Savings
http://www.paytaxeslater.com James Lange, the best-selling author of Retire Secure! gives you expert advice on 401(k), Roth IRA, retirement planning, retirement savings and estate planning.
Views: 859 retiresecure
Planning for Retirement? - Getting Your Money's Worth
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
The Jet Plan for Retirement Savings
How to earn tax free income and replace the conventional, expensive 401k (aka retirement plan for the government)
Views: 4400 Kindgomfinancial
Your Retirement Income: 5 Key Risks | Fidelity
Watch this video to understand the 5 key risks that could impact your income stream in retirement, and how to manage them. To find more resources about retirement income, visit: https://www.fidelity.com/calculators-tools/retirement-income-planner To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinvestments Facebook: https://www.facebook.com/fidelityinvestments Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fidelity-investments ------------------------------------------------------------------------------------------------------ When saving for retirement, you know it is important to diversify your investments to manage risk. But once in retirement, there is a different set of risks that can impact a person’s income stream. Longevity, inflation, withdrawal rate, market volatility, and health care are the 5 key risks that you should be familiar with…let’s learn a bit more about each one. Longevity. Who is the longest-living person you’ve ever known? This person was probably in his or her 90s…or maybe even 100. Hard to believe we might live to our 90s…but it’s true. People are healthier and more active today. Your retirement could be 25…30…35 years long – maybe even longer than your working years. Consider Mary and Tom…married, both are 65. There is a 50% chance that at least one of them will live to be 92, and a 25% chance of one living to 97. What does this mean for your retirement? Without a well thought out income strategy, you could easily outlive your savings. Inflation. Prices seem to just go up, never down. Think back to 1990…did you go to the movie theater to see “Home Alone”? Your ticket cost probably cost about $4.22… Go to the movies today, and it costs on average $7.96 – that’s 88% more! And if you stopped and filled up your car with gas on the way there? That was about $1.16 per gallon, but today it’s $3.64 – a whopping 214% more! What does this mean for your retirement? The cost to support your lifestyle in retirement will continue to grow. It’s important to have a plan to help keep up with inflation by including investments with income growth potential. Withdrawal Rate. As you think about your retirement, once you transition, you will start tapping into that nest egg you’ve built. But what’s the right withdrawal rate for you? And should it change throughout retirement? These are 2 very important considerations. Withdrawal rate is the percentage you take out of your portfolio annually. The amount you take can directly impact how long your assets might last in retirement. A common rule of thumb is to use a withdrawal rate of 4% per year, adjusted annually for inflation. This translates into $4,000 in annual income for every $100,000 in savings. The good news here is that your withdrawal rate is something that you can control and adjust as needed to take into account your age, health, availability of other assets, and desire to leave money for your heirs. Fidelity suggests that you also consider other factors such as inflation, market conditions, interest rates, and your asset allocation when determining your own withdrawal rate. What does this mean for your retirement? Take out too much from your nest egg too soon, and you may run out of money…take out too little, and you may have to make some tough decisions about prioritizing needs and wants. Discipline is very important, as is monitoring and rebalancing your portfolio and making proper investment selections, throughout retirement. Market Volatility. The market’s up, the market’s down…unless you have a crystal ball, there really is no way to know what will happen in the future. As we all remember, back in 2008, the S&P 500® Index experienced a 57% decline in just 18 months. And things did turn around after that, with the index experiencing a 173% increase through 2013. [....] Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, Rhode Island, 02917 700496.3.0
Views: 22860 Fidelity Investments
What’s the best strategy for asset allocation in retirement?
6/14/2018 Webcast: Asset Allocation in Retirement There are several important factors that Vanguard considers when working with clients on an asset allocation plan. We must first understand a client’s individual financial goals, investment timeline, and risk tolerance in order to devise the best asset allocation strategy. IMPORTANT INFORMATION For more information about Vanguard funds or Vanguard ETFs, visit https://vgi.vg/2B1cgfs to obtain a prospectus or, if available, a summary prospectus. Investment objectives, risks, charges, expenses, and other important information are contained in the prospectus; read and consider it carefully before investing. All investing is subject to risk, including the possible loss of the money you invest. There is no guarantee that any particular asset allocation or mix of funds will meet your investment objectives or provide you with a given level of income. Diversification does not ensure a profit or protect against a loss. This webcast is for educational purposes only. We recommend that you consult a tax or financial advisor about your individual situation. Advice services are provided by Vanguard Advisers, Inc., a registered investment advisor. © 2018 The Vanguard Group, Inc. All rights reserved. Vanguard Marketing Corporation, Distributor.
Views: 830 Vanguard
Retirement Planning
Chris has suggestions for planning a secure retirement even when the economy is volatile.
Views: 6672 AmericanPublicMedia
Tax Free Retirement Savings Plan
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.
Retirement Planning
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.
Dave Ramsey On Saving For Retirement
Dave Ramsey gives advice on saving for retirement.
How to Invest Your 401k
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: 3926 InvestingTip
Retirement Planning
We all want the money we saved for retirement to last as long as we do and provide us with as much income as possible but without any risk or running out of money. However, the money we saved in a 401K, 403B, IRA or SEP IRA plan is simply not the best way to grow and protect our retirement savings or provide retirement income for the rest of our lives without the risk of running out of money. So, how can we protect our retirement savings from income taxes, investment losses and management fees?! talk with our financial security professionals at 844.585.2157 Or visit: http://myretirementsaving.com
Views: 78 Julian Dougharty
Last Minute Tax Savings for 2017 | simpleetax
In this video, I cover 2 last minute tax saving strategies related to contributions to a traditional individual retirement account (IRA) and a health savings account (HSA). IRA Contribution Limits: https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-ira-contribution-limits Music: Little Friends (www.hooksounds.com) This video is for entertainment and informational purposes only and should not be considered tax advice. By watching or commenting on this video, we are not forming a professional relationship. If you seek specific tax advice, please consult a CPA from your local area.
Views: 71 simpleetax
How to Make Your Retirement Nest Egg Last as Long as You Do
Take these steps to avoid outliving your savings when you retire.
Views: 382 Kiplinger
Retirement Plan Options + A Large Inheritance
Happy Fourth of July weekend! Or was it last weekend? Or is it this weekend? Whatever the case, the show goes on. This weekend we kick things off with young Nicole from Seattle who just started a job at a local university and has a decision to make when it comes to her retirement plan. A traditional 401(k) or a defined benefit pension plan which only kicks in after she's been there for ten years? It's a tough call to make.  Next up was Sharon from Michigan. She and her husband just inherited $400,000. What should they do with it? Pay off some debt? Invest it?  Hour two this week features an interview with my pal and retirement guru, Mark Miller. No stranger to writing books, Mark was on to chat about his latest project, Jolt: Stories of Trauma and Transformation.  Having interviewed dozens of people over the years who are hell-bent on changing their lives and careers to focus on work with more purpose and meaning, Mark began to notice a pattern: many leap-of-faith transformations begin with unforeseen traumatic life events. Mark decided to think of these high-voltage bolts out of the blue as jolts — painful events that stop people in their tracks and then thrust them toward positive change. The death of a child. Life-threatening illness. Plane crashes. Terror attacks. Natural disasters. Some of us never fully recover from unimaginable traumas like these, but some not only survive—they bounce back to thrive and grow. Jolt tells the stories of people transformed by trauma, and the new paths that they pursue. Have a money question? Go to jillonmoney.com for all the contact info. We love feedback so please subscribe and leave us a rating or review in Apple Podcasts! Connect with me at these places for all my content: http://www.jillonmoney.com/ https://twitter.com/jillonmoney https://www.facebook.com/JillonMoney https://www.instagram.com/jillonmoney/ https://www.linkedin.com/in/jillonmoney/ http://www.stitcher.com/podcast/jill-on-money https://itunes.apple.com/us/podcast/better-off-jill-schlesinger/id431167790?mt=2 "Better Off" theme music is by Joel Goodman, www.joelgoodman.com.
Views: 290 Jill Schlesinger
Learn how to withdraw your assets in retirement- Vanguard
If you want to be a tax-savvy investor, it's important to consider which accounts to tap for living expenses—and when. Maria Bruno and Joel Dickson from Vanguard's Investment Strategy Group describe the order you can use to minimize taxes when withdrawing funds for retirement. © 2013 The Vanguard Group, Inc. All rights reserved. Vanguard Marketing Corporation, Distributor.
Views: 15564 Vanguard
Retirement Planning Tips
Lets say you are 65 or older and you have a nest egg set aside for retirement. The question in your mind is: "How long will my nest egg last?". Davis Garrison the Third from Preservation Financial is here to answer that question.
Views: 18 WJHL
Agenda 21, The Plan To Kill You -  David Icke
World Tour Tickets - http://www.TheWorldWideWakeUp.com 2016/17 Agenda 21 or Agenda 2030 The Plan To Kill You - David Icke - The United Nations Depopulation Plan The global cabal of U.N. Agenda 21 is behind global warming, regionalism, zoning, land and water use control, wealth redistribution, weakening and eventual replacement of the dollar as the world’s reserve currency, global warming, cap and trade, Smart Grid, Smart Meters, carbon taxes, high gasoline prices, global citizens, IB World Schools, Common Core nationalized education standards, biofuels, Marxist advancement across the globe, food control, water access control via the Law of the Sea Treaty (LOST), gun control, health control, the Arab Spring/Winter, unchecked illegal immigration, and they are unstoppable.’ All David's Books Now Available Here http://www.DavidIckeStore.com Social Media https://www.facebook.com/davidicke/ https://twitter.com/davidicke To have David's Videocast sent to you in full every week, Click here http://www.davidicke.com/register http://www.DavidIckeStore.com All David's Books Now Available Here http://www.TheWorldWideWakeUp.com 2016/17 World Tour Tickets http://www.DavidIcke.com/headlines Latest News From David Icke http://www.UnreportedTruth.com - Videos, Articles and Social Media For The People By The People http://www.RichieAllen.co.uk - Europe's Number One Independent Radio Show Music - http://freemusicarchive.org/music/Kai_Engel/ICD-10/Kai_Engel_-_ICD-10_-_06_Oneiri
Views: 2827486 David Icke
Retirement Income Planning
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
Investing in Alternatives to IRAs & How They Can Help Jumpstart Your Retirement Planning
In this video, Tim Levy and Brian Finkelstein discuss alternatives to IRAs to gain more control of your money. One of the best alternative investment strategies is to get a Self-Directed IRA, which allows you to invest in a wide variety of asset types. If your interested in learning about the basics of Self-Directed retirement investing, investing in alternatives or more about a Self-Directed IRA please contact Broad Financial via the links below! CONTACT US https://goo.gl/xJjjJo LET'S CONNECT Website: https://goo.gl/IFXchw Blog: https://goo.gl/bzackw Facebook: https://goo.gl/LX8tYe Twitter: https://goo.gl/oKAp3P ABOUT BROAD FINANCIAL Broad Financial takes the complex process of Self-Directed Retirement Investing and puts it into a clear and concise road map. Customers appreciate their personal service and welcome the relief and peace of mind they afford to them as they take steps to assure the financial growth and safety of their retirement accounts. Broad Financial is a Shopper Approved company obtaining an A+ with the Better Business Bureau. They are here to encourage you to take a more active role in the investing of your retirement account, to invest what you know best and believe in and to broaden the breadth of your diversification. https://youtu.be/JkUnEmWVuc8
Views: 2861 Broad Financial
The Retirement Wild Card That Can Derail Your Plan
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: 2565 NorthwesternMutual
Redefining Retirement: Planning the income you need for the retirement you want
With a Life2 that could last almost as long as your working life, what are the key things you need to think about and how can you plan the income you need for the retirement you want. Find out more
Views: 34743 Old Mutual Wealth
Ed Slott Interview The Street: Year-End Retirement Planning Strategies
https://www.IRAhelp.com - Ed Slott, America's IRA Expert, discusses year-end planning strategies, when to make your 2015 IRA contribution, how to take your yearly required distribution and other ways to protect savings from taxes.
Retirement Plans
This is a Retirement Planning video that goes along with my complete article on Retirement Planning and How Much to Save for Retirement at http://businesstowealth.ca/retirement-plans-how-much-to-save-for-retirement/. Business to Wealth is my blog to help Business Owners turn their enterprise into the lifestyle they are striving for, both before and after retirement. Myles Rempel is a financial planner and investment adviser in Calgary Alberta.
Views: 6939 Myles Rempel
Planning Social Security Retirement?  We use Social Security Calculator to get maximum benefits.
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: 102313 Steve Miller
Retirement in :20 Seconds - Retirement Planning When Your Loved One Has Special Needs
Caring for a loved one with special needs is more common than you’d think. Voya Financial, Inc. (NYSE: VOYA), helps Americans plan, invest and protect their savings — to get ready to retire better. Serving the financial needs of approximately 15 million individual and institutional customers in the United States, Voya is a Fortune 500 company that had $8.6 billion in revenue in 2017. The company had $555 billion in total assets under management and administration as of Dec. 31, 2017. With a clear mission to make a secure financial future possible — one person, one family, one institution at a time — Voya’s vision is to be America’s Retirement Company®. Certified as a “Great Place to Work” by the Great Place to Work® Institute, Voya is equally committed to conducting business in a way that is socially, environmentally, economically and ethically responsible. Voya has been recognized as one of the 2018 World’s Most Ethical Companies® by the Ethisphere Institute, one of the 2018 World’s Most Admired Companies by Fortune magazine and one of the Top Green Companies in the U.S. by Newsweek magazine. For more information, visit voya.com. Follow Voya Financial on Facebook, LinkedIn and Twitter @Voya.
Views: 125 Voya Financial
Retirement Plan: Roth IRA & Roth IRA Conversions
http://www.paytaxeslater.com James Lange, the best-selling author of Retire Secure! gives you expert advice on 401(k), Roth IRA, retirement planning, retirement savings and estate planning.
Views: 568 retiresecure
Perspectives on Retirement
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: 6408 MoneySmartAu
How Long Does A Living Trust Last In St. Louis, Missouri? | (314) 492-6611
http://estateplanmo.com/ Estate Plan Strategies, LLC 231 S. Bemiston Avenue, Suite 1020, St. Louis, MO 63105 (314) 492-6611 Missouri based estate planning attorney Steven Spewak mentions how long a living trust can last depending upon the creator of the trust. For More Information About Estate Planning Visit: https://en.wikipedia.org/wiki/Estate_planning For More Videos Subscribe Our Channel: https://www.youtube.com/channel/UC93x344Ztgk85p81GCNS-0Q Related Videos: https://youtu.be/yTnLK-vRzx0 https://youtu.be/QymoZcY9Mys https://youtu.be/uWXivESeQxo https://youtu.be/NLBSagCvXx4 https://youtu.be/flEoEPlojjo
Suze Orman says: Start your retirement planning today with a my Social Security account!
Every retirement plan should start with opening a my Social Security account at https://www.ssa.gov/.
The Changing Face of Retirement - Right on the Money - Part 1of 5
The times they are a changing and so is the face of retirement, part one of five taken from the full episode of Right on the Money On The Basics of Annuities. In 1964, Bob Dylan wrote a prophetic tune, The Times They Are A Changin’. Back then, a retiree had a pension, no mortgage and full Social Security benefits. The children of the ’60s are now in their 60s. But the baby boomers fund their own retirement plans and carry mortgages into their golden years. Over the years, they have also watched Congress tinker with their Social Security benefits. Through the last generation, employers have migrated from defined benefit to defined contribution plans. From 1985 to 2000, the rate of participation in defined benefit plans by full-time employees of medium and large private firms dropped from 80 percent to 36 percent.1 A 2013 survey by the Bureau of Labor Statistics found only 26 percent of civilian workers in the U.S. participated in defined benefit pension plans.2 The boomer generation is often referred to as the “sandwich generation,” because they are paying for their parents’ elder care as well as the tuition of their children. When you add the funding of their retirement plan, there’s not much money left to pay off a mortgage. Presidential candidates have promised Social Security will not be altered for baby boomers, but Congress has changed things over the years. With the most recent changes coming with the passing of the Bipartisan Budget Act of 2015, some baby boomers lost the “file and suspend” and restrictive application benefits. But perhaps the biggest change and the greatest risk is living longer—much longer. Today, the average life expectancy for men is 86.6 years and for women 88.8.3 The impact of longevity on retirement modeling has created an environment of among seniors of outliving their money. But to offset some of that fear, the strategic use of lifetime annuities has been introduced into retirement planning. Watch the interview with Certified Annuity Specialist Liz Cornell [url link]. Annuities can be structured to pay guaranteed lifetime income with annual increases. Today, more retirement plans are using guaranteed lifetime annuity income to pay for household living and travel expenses. The structured payout can cover two lives and provide income for the survivor. Two years ago, Qualified Longevity Annuity Contracts (QLACs), which use deferred income annuities, were introduced. The key part of the legislation was to offer the option to defer required minimum distributions (RMDs) from qualified plans like 401(k)s. The rules of engagement allow deferring 25 percent of qualified plan monies not to exceed $125,000 per participant to age 85. Controlling RMDs with QLACs can have a significant impact on retirement taxation and may insulate a portion of Social Security income from taxation too. Annuities are not insured by the FDIC or any government agency. So it’s important to have your financial advisor review the balance sheet and ratings of the insurance company before you purchase an annuity. 1 See, “Employee Participation in Defined Benefit and Defined Contribution Plans, 1985-2000.” U.S. Bureau of Labor Statistics, updated June 16, 2004. 2 National Compensation Survey: Employee Benefits in the United States, March 2013, Table 2. 3 Changes in life expectancy for 65-year olds in the U.S. 2010 vs. 2014 Wall Street Journal 10/28/2014. Syndicated financial columnist and talk show Steve Savant interviews Liz Cornell, Certified Annuity Specialist on The Basics of Annuities (Part 1 of 5) www.rightonthemoneyshow.com https://youtu.be/zT5OOwsgq84
Breaking "Peaceful Calm In Gaza Last Night"
https://give.church/pm8b78m/give Israel Lifts all restrictions on Gaza https://www.hearthewatchmen.com also https://www.paulbegleyprophecy.com also https://get.noblegoldinvestments.com/gold-ira-guide/?offer_type=gold&affiliate_source=affiliate_noble107 also https://www.getthetea.com also https://www.tradegeniusacademy.com also Help Us Spread the Word https://www.paypal.com/cgi-bin/webscr?cmd=_s-xclick&hosted_button_id=D7WQL22GHQY2U also https://www.haaretz.com/israel-news/gaza-escalation-israel-and-hamas-reach-cease-fire-after-200-rockets-1.6361801 also https://simplycleanfoods.net also https://www.standeyo.com also https://preparewith.com/PaulBegley
Views: 4718 Paul Begley
Ways Baby Boomers are Changing Retirement
Retirement is changing. We are living longer and staying active which means we need an income that will last us. Find out the five ways in which Baby Boomers are reinventing retirement. Big Al covers the importance of understanding contribution rules for retirement accounts such as 401(k)s and IRAs and further explains how to grow these accounts to create an income stream throughout your retirement. 0:27 “We have to understand how to do a required minimum distribution” 0:37 “Most of us don’t have pension plans anymore so it’s much more difficult to make this work because many of us are retiring at 65, some of us at 62, and you may have decades of retirement” 1:45 “You want to start early, you want to save often, you want to save as much as you can” 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 Season 2 Episode 9 Aired 2/28/15 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.
Have You Saved Enough for Retirement?
Have you saved enough money to retire? It seems like a simple enough question. But the answer is more complicated than you might think. If you google this question on line, you’ll find pages of articles and financial calculators that try to help you answer this question. Most of these online articles and retirement calculators focus on how much you need to save and invest to grow your “nest egg.” The common and ordinary retirement strategy that you hear and read repeatedly is based upon what I call the “pile of cash” strategy. You’re encouraged to act like a squirrel gathering nuts and hoarding them for the winter, or in your case, retirement. You gather and save and then gather some more, creating as big a pile of nuts as you can. And you worry regularly whether you have enough saved or invested. When your retirement starts...then you’re supposed to ration out one nut at a time. And even though you don’t know how long you will live, you’re supposed to ration your pile to last as long as you do. The problem with this approach is that retirement planning is a lot more complex that simply coming up with one, final, magic number. True, you need to accumulate money so you can retire. But rather than a single number, a successful retirement is built upon long term strategy. Here are four questions that I hope will help you move away from the hoarding, “pile of cash”mentality, and get you thinking about how to optimize your retirement. When you think about the questions below... you will start thinking strategically about your retirement. This is the goal. One. Ask yourself ...where do I have most of my money? In other words, in which financial products or investments do you have most of your money located? In a bank account? 401K? Your house? IRA? A life insurance policy? An annuity? You need to clearly understand the strengths and limitations of each financial product in which you have your money. For example, how much of your money can you convert to cash within a month? Will you be charged fees and penalties? If your money is in the stock market, will your stock or mutual fund value be up or down? If you need cash now, will you have to sell at a loss? Two. Reliability. Ask yourself...How reliable will my retirement income be? Can it disappear? What happens if the stock market takes a sharp downturn, as it did in 2008? Will you be forced out of retirement and back to work? With respect to real estate, do you have rental income? If you are counting on this income, what happens to your retirement picture if your tenants don’t pay or if they damage your property? Three. Risk. How much of your retirement is at risk for loss? What happens if you plan to get a significant percentage of your monthly retirement income from investments, and the stock drops and doesn't recover? Or the market rebounds but then drops again. Now what? Four. Taxes. How will taxes impact my retirement? Often people don't consider the impact of taxes on their retirement income. The common theory goes that you’ll be in a lower tax bracket in retirement, so who needs to worry about this? But think about it for a moment. Your tax rate is a function of your taxable income. Ask yourself: do you want a lower income in retirement? Probably not... which means you are NOT going to be in a lower tax bracket. And if you don’t plan how to manage your taxes, you’re probably going to end up paying more than your fair share. Paying excess income tax can and will erode your retirement income. Remember....If you worry about your retirement strategy and NOT having enough money in retirement, you are not alone.
Views: 177 Dwayne Burnell, MBA
More baby boomers facing bankruptcy in retirement
A new study reveals a jarring truth for baby boomers. Instead of retirement and relaxation, many are facing bankruptcy. More than 12 percent of those who file for bankruptcy protection are over 65, a figure that was just over 2 percent in 1991. Subscribe to the "CBS Evening News" Channel HERE: http://bit.ly/1S7Dhik Watch Full Episodes of the "CBS Evening News" HERE: http://cbsn.ws/23XekKA Watch the latest installment of "On the Road," only on the "CBS Evening News," HERE: http://cbsn.ws/23XwqMH Follow "CBS Evening News" on Instagram: http://bit.ly/1T8icTO Like "CBS Evening News" on Facebook HERE: http://on.fb.me/1KxYobb Follow the "CBS Evening News" on Twitter HERE: http://bit.ly/1O3dTTe Follow the "CBS Evening News" on Google+ HERE: http://bit.ly/1Qs0aam Get your news on the go! Download CBS News mobile apps HERE: http://cbsn.ws/1Xb1WC8 Get new episodes of shows you love across devices the next day, stream local news live, and watch full seasons of CBS fan favorites anytime, anywhere with CBS All Access. Try it free! http://bit.ly/1OQA29B --- The "CBS Evening News" premiered as a half-hour broadcast on Sept. 2, 1963. Check local listings for CBS Evening News broadcast times.
Views: 670 CBS Evening News
ELITIST Hollywood Left TRASH Ohio Voters For Rejecting Their Candidate
Get your FREE Gold Guide at: https://noblegoldinvestments.com/gold-ira-guide-nnn/ Get on our Email list! http://nnn.is/email-newsletter-next-news Subscribe to our Youtube Channel: http://nnn.is/Sub-to-N3 Paul Bios for the Daily Wire reports, It appears that Democrats suffered a loss in Ohio on Tuesday night, with GOP candidate Troy Balderson edging out a victory over his opponent Danny O'Connor in the state's 12th congressional district. See the report here: https://youtu.be/9T4Ihl-SaaU Read More/Source/Credit/FairUse: https://www.dailywire.com/news/34225/hollywood-left-trashes-ohio-voters-rejecting-their-paul-bois Share this to Facebook: https://www.facebook.com/sharer.php?u=https://youtu.be/9T4Ihl-SaaU Tweet This video: https://twitter.com/home?status=Must%20See!%20https%3A//youtu.be/9T4Ihl-SaaU ------------------------------------------------------------------------------------ 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 Got Kids or Grandkids? Take a break at our new Kids Channel: (( SUBSCRIBE )) http://bit.ly/sub-to-Banchi-Brothers OPEN YOUR VERY OWN DIGITAL EXCHANGE and LIKE: START AT: https://t.me/GTSTOKEN2018 https://www.facebook.com/GTSExchange 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 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. #N3 #Hollywood #OhioVoters
Views: 64109 The Next News Network
Alok, Zeeba and IRO - Ocean (Official Music Video)
Alok, master of the Brazilian Bass sound, is back with his new single 'Ocean'. Together with Zeeba and IRO. Alok, Zeeba and IRO - Ocean is OUT NOW! Like this track? Download on Beatport or add it to your favourite Spotify/Apple Music playlist by clicking HERE: https://spinninrecords.release.link/ocean!YT Make sure to subscribe to Spinnin' Records: http://bit.do/spinnintv ..and turn on notifications to stay updated with all new uploads!🔔 Join our Spinnin' Records Top 100 Playlist ► https://spinninrecords.lnk.to/top100!YT Follow Alok https://www.facebook.com/livealok/ https://www.instagram.com/alok/ https://twitter.com/alokoficial https://soundcloud.com/livealok Follow Zeeba http://marcoszeeba.com http://facebook.com/macoszeeba http://instagram.com/marcoszeeba http://twitter.com/marcoszeeba Follow IRO https://www.instagram.com/iro_music/ https://twitter.com/iamiromusic?lang=en https://www.facebook.com/iromusicofficial/ Video Credits: Direction Thiago Eva Script And Creation Alok Guga Gessullo Thiago Eva Wilame Morais Production Producer Bossa Nova Films Cast Rodrigo Santoro Maria Manoella Marina Ruy Barbosa Genésio De Barros Gabriel Jacome Kauan Ceglio Hugo Torrens Executive Production Eduardo Tibiriça Sandra Othon Thiago Eva Attendance Kiska Peres Production Director José Roberto Rosa (Fiapo) Producer Rafaela Pellegrini Correia Production Ass. Lorran Oliveira Elissa Schpallir Adelita Cabaleiro Set Assistant João Batista (Jb) Andre Luiz Teodoro Dos Santos Leandro Silva Edson Nunes(Tesouro) Direction Scene Director Thiago Eva 1º Ad Roberta Cunha 2º Ad Karina De Simone Photography Diretor Fotografia João Carneiro Cam Operator Eduardo Figueiredo Biro Steadycam Tulio Drone Junior 1º Ac Alexandre Escanfella 2º Ac Giovanni De Mattos Cardillo Logger Lucas Theodoro Making Of Camila Othon Pedro Lins Still Photography Marcos Alonso Eletrical Eletrician Marcelo Brasil 1º Ass. Eletric | C & D Vagner (Careca) 2º Ass. Elétrica Nelson (Guará) Maquinária Maquinista Carlinhos 1º Ass. Maquinária Thiago Barbosa Batista 2º Ass. Maquinária | C & D Marcio Fernando Moura Arte Diretor De Arte Frank Deuzeuix Ass. Arte Vinicius Possal Prod. De Objetos Thiego Ribeiro Ass. Objetos / Aj. Objetos Rafael Felipe Fransão Aj. Objetos João Paulo Ribeiro Pós Producão Montador Rodrigo Sobrero Ass De Montagem Felipe Cecchi Zé Eduardo Finalizador Mauro Amar Finalização Tribbo Post Editor De Composição Rodrigo Pina Binho Carvalho Jorge Pereira Rogério Merlino Bruno Tsuda Thominha Color Grading Psycho N’look Colorista Marcinho Pasqualino Motion Graphics Pedro Gebara Pesquisa André Inacio Marie Paula Dalga Coordenação De Pós-Produção Valquíria Pacheco Bárbara Russiano Andreza Oliveira Tato Carvalho Jéssica Rodrigues Estudio De Som Jamute Produtor Executivo James Pinto Sound Design E Mixagem Fernanda Galetti Coordenação Juliana Zuppo Atendimento Sabrina Geraissate Maquiagem Fx Maquiador Westerley Dornellas Ass. De Maquiagem Micaela Ishii De Carvalho Figurino Figurinista Sara Teitelbaum Ass. Figurino Dani Tocci Estagiária Tamara Muszkat Camareira Vanessa Cardoso Casting Produtor De Casting Taty Horta Ass. Casting Renata Rezende Giulia Horta Locação Prod. Locação Jeff Fleck Equipe Rodrigo S. Maquiador Carlos Carrasco Figurinista Marianna Baffa Equipe Marina R. B Figurinista Rodrigo Ximenes Camareira Conceição Maquiadora Elenco Adriana Dos Anjos Som Direto Marcos Ribeiro (Marquinho) Pablo Aranda Equipe Efeitos Vagner Aparecido Martao Claudinei Marcelino Pablo Dias Jefferson Klimke Editor Wagner Profeta 1º Ad Roberta Assis --- The Spinnin’ Records YouTube channel is the home for all music videos of the world’s leading dance record label! We feature the latest music videos by Spinnin’ artists like Oliver Heldens, Sam Feldt, KSHMR, Ummet Ozcan, Blasterjaxx, Merk & Kremont, Timmy Trumpet, Tujamo, Alok, Curbi, Mike Williams, Lucas & Steve and many, many more! Expect daily uploads of official music videos, lyric videos and official audio across genres like dance, house, electro house, future house, deep house, big room and trap. Follow Spinnin’ Records: https://open.spotify.com/user/spinninrecordsofficial https://soundcloud.com/spinninrecords https://facebook.com/SpinninRecords https://instagram.com/spinninrecords https://twitter.com/SpinninRecords https://spinninrecords.com #Alok #Spinnin #SpinninRecords
Views: 14626109 Spinnin' Records
Retiree Tips: Pursuing Life After Retirement
Like a good neighbor, State Farm is there to lend a hand where we can with support, tips and inspiration. We have partnered with The Huffington Post to create helpful and motivating content that supports you throughout your life. Bob White is enjoying life after retirement by pursuing things he’s always wanted to do – like writing and publishing fiction. Once an air force veteran and metorolgist, Bob went through a career change to become an ordained minister. He had many passions throughout his pre-retirement life, as he traveled all over the world with his wife as part of the ice dance team. When it was time for him to retire, he thought about what would make it a happy retirement and pursued new dreams. After retiring, he went back to college as an adult. While he didn’t have specific goals in continuing his education, his love of storytelling led him to creative writing. With the help from his community and friends, Bob was able to self-publish books about historical facts and personal travels. Bob has now gained a fan base and continues to enjoy life after retirement with gratitude for this new opportunity. His retirement tips? Remain active – approach retirement with how you can try new things. Learn more about Bob and how he was able to achieve and active and happy retirement life! You can find the original video on The Huffington Post: http://www.huffingtonpost.com/2015/09... Find more retirement advice on State Farm’s Learning Center: https://learningcenter.statefarm.com/... Follow State Farm on social media to find more tools & tips to help you get through your life moments! https://www.facebook.com/statefarm https://twitter.com/StateFarm ------------------------------------------------------------------------------------ Detailed Transcript http://static1.st8fm.com/accessible-transcripts/Retiree%20Tips.txt
Views: 14189 State Farm Insurance
Iran Deal: Last Week Tonight with John Oliver (HBO)
Donald Trump could soon dismantle the agreement designed to curb the Iranian nuclear program. Our catheter cowboy will do his best to keep that from happening. 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: 6240823 LastWeekTonight
401(k) Plans In Your Retirement Planning
401(k) plans are a popular way to save for retirement, but when compared to a Roth IRA, which is the better choice? Find out in this episode of Ray Lucia's Boomers & Beyond. For more videos, visit http://www.raylucia.com and http://www.therayluciashow.com
Views: 376 Ray Lucia
Relying on Annuities for Retirement Pensions
http://annuityguys.org/relying-on-annuities-for-retirement-pensions The private sector has been bailing on providing pensions for employees over the last few decades. Now, it appears legislation to “radically change” public sector pension plans may also be in the works. In Illinois, we are aware of how much strife a public pension battle can impact both the fiscal health of the state and that of those employees who were promised lifetime retirement benefits. The proposed legislation would provide for private insurance carriers to manage the public sector retirement income pension systems. Historically, many individuals enjoyed the benefits of defined benefit plans. Yet, now with benefits being cut and lump sum buyouts being offered, many employees are weighting the option of defined benefits versus a pension styled annuity plan. The Annuity Guys® discuss why insurance companies – with proven track records in managing investment and longevity risk successfully – may be better choices for overseeing your retirement income than both private and public sector pension managers. (Learn more, click our link above. Full article at http://annuityguys.org) Disclosure: Videos are educational and conceptual only and not a solicitation. They are not to be considered investment, insurance, tax or legal advice. It is recommended that you work with licensed professionals for individualized advice before making any important financial decisions. Annuities are not FDIC insured and their guarantees are based on the claims paying ability of the issuing insurance company. State Guarantee Associations, while offering specific protections, are not the same as FDIC insurance. Read more Annuity Guys disclosure at: http://annuityguys.org/about-us/site-terms-conditions-and-disclosure
Views: 877 Annuity Guys
Solo 401k and Checkbook IRA - SenseFinancial.com
http://www.sensefinancial.com/ Sense Financial 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 the 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. Contact us today for a Free Consultation (949)228-9393
Views: 1454 SenseFinancial.com
Traditional or Roth IRA: Which to Liquidate First for Retirement
According to some statistics, roughly 10,000 Americans turn 65 every day. And that trend will continue--every day--until 2020. Though some will put off retirement to continue working, almost all will eventually leave the labor force. Today's retirees are also facing a bittersweet prospect: they're living longer. While people rightly argue that this is a great problem to have--it does present a unique challenge: ensuring that there's enough money left in tax-advantaged retirement accounts to last the rest of one's life. With so many different retirement vehicles available, it's important to follow a specific sequence in liquidating your savings. Motley Fool contributor Brian Stoffel talks about the difference between Traditional IRAs and Roth IRAs, and how you can stretch your retirement dollars to last as long as possible. Investing made simple: The Motley Fool's essential guide to investing is now available to the public, free of cost, at http://bit.ly/1atRpHZ. This resource was designed to cover everything that new investors need to know to get started today. For your free copy, just click the link above. Visit us on the web at http://www.fool.com, home to the world's greatest investing community! ------------------------------------------------------------------------ Subscribe to The Motley Fool's YouTube Channel: http://www.youtube.com/TheMotleyFool Or, follow our Google+ page: https://plus.google.com/+MotleyFool/posts Inside The Motley Fool: Check out our Culture Blog! http://culture.fool.com Join our Facebook community: https://www.facebook.com/themotleyfool Follow The Motley Fool on Twitter: https://twitter.com/themotleyfool
Views: 995 The Motley Fool
How to Test Drive Your Retirement | S.3 Ep.10
Planning for retirement is a lot like purchasing a new car. You want to lay out your options, do diligent research and feel fully prepared before making that big decision. Joe and Al guide you through the road map of retirement by discussing questions you should ask yourself when creating your retirement plan: 1. What is the sticker price - how much will you need to retire? 2. Can you fuel it - where is your retirement income coming from and do you have enough to sustain the lifestyle you imagined for yourself? 3. Have you looked at crash test ratings - what road bumps might you encounter and how can you prevent these from happening? 4. How fast will it accelerate – will inflation take a toll on how long your retirement savings will last? Important Points: 2:37 “When you’re looking at test driving your retirement, there are a few things you have to do. Right off the bat, what’s the sticker price? Figure out how much you need to save for retirement” 4:38 “When you figure out your lifestyle, I want to show you how to figure out how much that sticker is, in other words how much you need to save” 5:57 “A lot of you go into retirement not necessarily understanding how much you can spend; if you do this simple exercise it’s going to give you a lot more confidence” 6:16 “Let me show you what happens if you can save $1,000 per month at a 7% annual rate of return” 8:44 “Over the past hundred years, the inflation rate has been over 3%, and if you look at the last thirty years, it’s been closer to 3 ½%. Just because the inflation rate has been low recently, it’s not necessarily a good figure to use” 9:41 “I have a 4-year old grandson and I’d like to set up a college fund for him; what would be your recommendation? 10:23 “Each state has their own 529 plan” 12:49 “One thing that will help is if you work longer and delay your Social Security benefits – you don’t have to save as much because you’ll have more monthly benefit” 14:10 “A lot of our clients that have the most flexibility and pay the least tax are people are people that have actually saved more money in tax-free environments or even the taxable retirement accounts” 15:14 “What you want to do is set up ahead of time a cash flow strategy for yourself where you know that rate of return is to maintain your cash flow and then take the least risk possible to maintain that cash flow” 19:19 “[True or false?] It is better to take the single lump sum distribution from my pension and invest the money rather than take the lifetime distribution” 22:51 “You pay yourself first and then you pay your bills” AIRED: 6/19/16 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.
Brexit: Last Week Tonight with John Oliver (HBO)
Britain could soon vote to leave the European Union. John Oliver enlists a barbershop quartet to propose a smarter option. 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: 15507001 LastWeekTonight
Tips on cracking UPSC CSE by Ira Singhal (Rank 1)
The video starts with the birthday celebration of Roman Saini. Following which, Ira Singhal talks candidly about her preparation journey of CSE. She speaks about her marks which she scored in examinations and she also speaks about the interview. Watch this video to get the general guidelines, tips to crack the examination and finally the strategy to prepare for the exam. Ira Singhal lists out the books to read, the important books, how to prepare notes, how to get hold of online resources and about how to be updated with current affairs. She gives on how to prepare notes effectively and at last, she helps you to prepare your study plan. To download the PDFs of the video, got to http://instamojo.com/unacademy Watch all the awesome courses at https://unacademy.com Download the Unacademy Learning App from the Google Play Store here:- https://goo.gl/02OhYI Do Subscribe and be a part of the community for more such lessons here: https://goo.gl/gycFVs
Views: 397039 Unacademy
PRANKS! 12 Funny Pranks Compilation & Best Halloween Prank Wars
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/).
457 Retirement Plans - 2015 Winter Conference
A 457 Plan is a type of non-qualified, tax advantage deferred-compensation retirement plan that is available for governmental employees. This session will be a discussion of fiduciary responsibility and the best-practices approach for monitoring plan costs and expenditures as well as evaluating the cost-benefit of one county-wide plan vs. multiple plans and discussion of an office’s transitioning to a new plan administrator. Presenters: Jamie A. Hayes, QPFC, AIF, Partner, Fiduciary First Diane Bernardo, CPA, Finance Director, Indian River Clerk’s Office Steve Burdett, CPA, Finance Director, Brevard County Clerk’s Office
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