Retirement investing

Tag Cloud

Independent living Independent living communities Independent living housing Independent living retirement homes Independent retirement living Independent senior communities Independent senior living Individual disability coverage Individual disability income insurance Individual insurance Individual long term disability insurance Individual short term disability Individual short term disability insurance plans Insurance disability Insurance disability claims Insurance for disability Insurance for short term disability Is short term disability insurance Is short term disability insurance taxable Joining the national guard Joining the reserves Law coverage Leonia retirement housing Life and disability coverage Life insurance coverage Local retirement homes Long and short term disability insurance Long term and short term disability insurance Long term coverage Long term disability benefit

Comments to date: 311. Page 1 of 32.

Mel Location unknown	12:13am on Friday, April 24th, 2009
Is Reaganomics dead and not why and if yes why? Can an economic policy work again, especially in this complex economic globalized world than changes and expands? And if yes then why do republicans insist on lower taxes and please no conspiracy mu... read more »
Lil Location unknown	6:50am on Monday, April 20th, 2009
What are some activities to cheer people up when they are really sad? my friend has just come out of a 3 year relationship and she needs to be cheered up any ideas? Best answer: It's important to recognize that it will take time to heal a br... read more »
Optimist Location unknown	1:30pm on Saturday, April 18th, 2009
How does retirement system work in California? Hello All, I have moved to the states and still searching for a job, but what I still don?t get is how the retirement system works in California.. Let us say that I work till I am 60 and then I retire ... read more »
BinkyTheWonderD Location unknown	9:18pm on Tuesday, April 14th, 2009
Is there a website to find a comprehensive list of names with pictures of retired Beanie Babies? These BBs are from 1997-1999. It is my daughter's collection which we are passing on to my 6 year old niece. They have no tags because I've wa... read more »
Shhh...it's a secre Location unknown	2:04pm on Tuesday, April 14th, 2009
How many years does the average soldier stay in the Army? Just plain on average, how many years does a soldier stay in the Army? You have to be in the army, know someone in the army, or be quite familiar with it to answer. Thanks! (Obviously I don&#... read more »
mommymi Location unknown	11:01am on Sunday, April 12th, 2009
How to become a life and health insurance agent in tx? I am wanting to know where i should sign up to become a life and health insurance agent and any advice anyone has im in in tx and if their is a need for them thank you Best answer: To get the... read more »
Mish Location unknown	11:20pm on Friday, April 3rd, 2009
Gotta prepare farewell speech for our retiring principal......any suggestions? Our principal is retiring after serving for two decades and I am the one chosen to deliver the farewell speech on behalf of students. Need a bit of help! Thanks! Bes... read more »
James Location unknown	3:14pm on Monday, March 30th, 2009
Why should I look for tax-favored investment strategies and how do these strategies help me to attain my goals? My teacher wanted me to answer these two questions for extra credit and I have no idea what he means about tax-favored investment strateg... read more »
*~~April~ Location unknown**	9:29am on Friday, March 27th, 2009
How would you request either food or drink to contributed to a party? I am throwing my mother's retirement party and the guest list is gradually growing...I want to request to have a dish or beverage contribution (requested not required) but do... read more »
The Revent Location unknown	1:20am on Wednesday, March 25th, 2009
Whats the best car you have seen down any road? What is the best car you have seen down any road or motor show. Or if it was driving, was the car being driven like a bat out of hell, or was the person just taking it for a "drive". Best a... read more »

Page: -1- 2 3 4 5 6

Your Name:
Your Comment:
Country (flag):
Your Location:
Security check *

Search Google & Yahoo Simultaneously

Pipes Output

Retirement Investing
Retirement Investing - Are You Planning For Your Golden Years? ... Retirement investing, simply stated, is an accounting of assets and means of accumulating wealth in order to ...
Retirement Investing Center - Invest in an Individual ...
Explore the Scottrade retirement investing center & learn how to save in every stage of your life. Plus, find details on individual retirement accounts ...
Retirement Investing Principles
Retirement Investing Principles. In his book, "The Grangaard Strategy ... Century Retirement Investing to offer readers an important new way to look at their ...
Introduction to Retirement Investing
Introduction to Retirement Investing. For a briefer version of this article in .pdf format ... Suppose your goal is to have $500,000 at the start of your retirement. ...
Retirement Investing Institute
Retirement Investing Institute
Retirement Investing 101
Retirement Investing 101. Saving for retirement is easier than ever. ... Investing in your employer-sponsored retirement program will also help you ...
Retirement Investing Portfolio
Retirement Investing Portfolio. If you are getting ready to retire, you are likely considering a shift in your portfolio to more conservative investments. ...
How to Invest Money for Retirement--Free Retirement Investing ...
Knowing the basics of how to invest money for your retirement can help you put a retirement investing plan in place and shift it into high gear! This page provides ...

Yahoo! Answers: Search for

Open Question: Where to Invest for Retirement? (Wed, 17 Mar 2010 17:15:44 GMT)
Hello, Im 20 years old and plan to invest in Roth IRAs very soon, as well as opening up a 401K with my company. However, Roth IRAs and 401ks, from my understanding, penalize you if you pull out money before youre 59. I intend on retiring at 40. Where should i pool in my money if i dont want to be penalized? Should i start learning the ropes of the Stock Market, or is there a different Retirement plan i can look into? Thank-you!
Open Question: Finance question about after-tax return.? (Tue, 16 Mar 2010 23:57:40 GMT)
Hi, can someone please answer this question for me. I need it for extra credit. Any help would be great. Thanks! Formulate the return objective for Joe Smart, Who is planning to retire in 5 years. Joes’s current spending needs of $120,000 per year are currently met by his salary, which is indexed to inflation. Joe expects to continue his current lifestyle even after his salary stops. Assume that inflation is expected to be 3 % per year, and Joe’s income and capital gains are taxed at 35%. Upon retirement Joe will have a retirement account of $1,500,000 after taxes. He plans to invest the proceeds to fund his future spending requirements. What is Joe’s real after-tax return requirement?
Resolved Question: Is Government really the problem? (Mon, 15 Mar 2010 16:19:05 GMT)
I keep hearing that mantra over and over from free-marketeers.Yet the 19th century was NOT some "golden age" of capitalism, as if the economy was stable and the stock market was earning a decent return, year after year. Financial panics and depressions happened roughly once every 10 or 15 years. There was outright fraud much of the time, even counterfeit stock certificates being sold as the real thing (read about the "Big Four" in the railroads), because the Securities and Exchange Commission didn't exist yet.And in the 19th century, the stock market was a playground only for the very wealthy. Ordinary workers couldn't count on investing in the stock market for their retirement, because they didn't have the financial cushion to ride through those wild shocks.In the 19th century, old age was a one-way ticket to poverty for many, because Social Security didn't exist yet. And poverty could mean starvation for your children, because there was no significant social safety net. Failure to pay your rent on time meant the landlord would show up in your apartment and literally toss your belongings out into the street--and call the cops to throw you out. The slum conditions and factory conditions back then were terrible, because there were no regulations governing humane treatment. In medicine, quack cures, such as dangerous radium and opium, were common, because the FDA didn't exist yet. Many innocent people got hooked on opium or radiation poisoning from radium.That was the "free market" before the Government reforms of the 20th century.Is that the free market "ideal society" you would like to live in?
Resolved Question: I pay no Income tax due to low income ($20k). Should I get out of 401k and switch to roth IRA? (Mon, 15 Mar 2010 00:54:23 GMT)
My employer suspended their 50% match on my 401k this year. With my low income, I pay nothing into IRS, but I will have to pay in when I withdraw from the 401k when I retire. I am 35 years old, I have about $3,000 in the account, with the employer's share 50% vested. It is my understanding that since I would be investing in the Roth with post-tax dollars, that the withdrawls would be tax free upon retirement. It seems to me that I should take the hit and pay the 10% tax and get my money out and get it into a Roth. I would then let the employer's share sit in the account until it fully vests, and then roll that over to the roth as well. Does this sound like the right play, or is there a better thing to do with this?
Voting Question: How much should we increase taxes and fees to pay for retirees? (Wed, 10 Mar 2010 23:36:39 GMT)
Cities are broke because of the Bush economy. Once again citizens are making bad choices by not investing in their future. The bad news is that many of them are selling buildings (Cincinatti wants to sell City Hall), cut salaries of government workers, or reduce other higher-paid retirement funds. The good news is that many cities are devising property tax increases, sales tax increases, and new utility bill fees. What other mechanisms will make this possible for governments to keep operating? But the people (thats you) are the government. So you are responsible for this mess.
Resolved Question: What do you think of this story...? (Wed, 10 Mar 2010 15:17:01 GMT)
This came from The Motley Fool (AN INVESTING INFORMATION SITE): http://www.fool.com/ : Do you know Jack? Our quick-but-powerful story starts with two twins: Jack and Jill. As they turn 18, Jack takes a job out of high school and begins investing. From age 18 to 30 -- when he gets married and has his first kid -- Jack socks away five grand a year. Then he stops. Jill, meanwhile, goes to college and then medical school. She starts saving at 30 -- the same $5,000 per year. Both invest in the stock market, earning a long-term average of 11% a year. But by age 65, the difference in their financial fortunes will shock you: Jill, who contributed for 35 years straight, will have $1.9 million. But Jack, who invested for only 12 years, actually has $4.9 million ... thanks to his head start! Could you use $4.9 million for your retirement? Isn't that amazing???
Resolved Question: Why would i not simply invest my money instead of putting it in an ira? (Tue, 09 Mar 2010 16:15:24 GMT)
this way i can manage my retirement and retire when i want to without penalty. if i had a roth ira no company matching. does the govt. not tax intrest and income on roth ira?
Resolved Question: Should I move the money in my retirement plan when switching jobs? (Mon, 08 Mar 2010 23:51:28 GMT)
I have worked for a small company (~20 employees) for the past 5 years. Now, I'm moving to another company. I have about $80K built up in what my employer refers to as a "profit-sharing retirement plan." It's administered by a 3rd party, and contributions are made on my behalf, I'm not sure when this is done or how much I'm putting in. Once yearly I get to choose which funds my money is invested in, and I get quarterly statements. I guess this is like a 401K but I'm not sure, since I don't really know what a 401K is. It's actually kind of shameful how little I know about this. The office manager has assured me that I can just leave my money there after I leave, but honestly it makes me a little bit nervous to do so. So would this be the type of thing I could "roll over" into another account, something over which I could exercise more direct supervision? I'm hoping to avoid paying taxes, of course. Or should I just let the money stay put? If I wanted to move my money, how would I go about doing something like this? Can I just go somewhere like T Rowe Price (I see their commercials on TV) and tell them to take care of it for me?
Resolved Question: Invest in BOTH Traditional 401K AND Roth 401k? (Mon, 08 Mar 2010 23:48:32 GMT)
I am 30 years old and just started a new career. My employer offers both a Traditional 401K and a Roth 401K. I have zero experience investing and have never owned a retirement account before. Which should I choose....or can I choose both? I have allocated 10% of my income to invest for now. Should I do 5% in 401K and 5% in Roth 401K....or other options? I am totally confused by all the choices and not sure where to put my money so that I can make to best investment. My employer does offer a "matching" bonus. I currently do not have any other investments or savings. Any advise would be great!! Here are the funds available to invest in....managed by Fidelity COLUMBIA STRATEGIC INCOME GOLDMAN SACHS MID CAP VALUE MUNDER MID-CAP CORE GROWTH FIDELITY SPARTAN 500 INDEX PIMCO TOTAL RETURN FIDELITY ADVISOR FREEDOM 2010 FIDELITY ADVISOR FREEDOM 2020 FIDELITY ADVISOR FREEDOM 2030 FIDELITY ADVISOR FREEDOM 2040 AMERICAN FUNDS AMER H/I AMER FDS GROWTH FD OF AMERICA AMERICAN FUNDS EUROPACIFIC DODGE & COX STOCK EATON VANCE FLOATING RATE FEDERATE PRIME OBLIGATIONS MM VIRTUS REAL ESTATE SECURITIES DAVIS NY VENTURE ALLIANZ NFJ SMALL-CAP VALUE FD BUFFALO SMALL CAP AMERICAN CENT INFLATION ADJ
Resolved Question: How to invest $49,000 for a retirement? (Sun, 07 Mar 2010 22:33:03 GMT)
A. Save for your wedding 2 yrs down the road. B.Save for your retirement a few decades from now. How would you invest this?
Voting Question: Want to sell Retirement Investing blog (#1 in Google) - what to do? (Sun, 07 Mar 2010 17:00:37 GMT)
I have a blog that is position #1 in Google for 'retirement investment'. I will not run it any longer. But simply leaving a blog like this is stupid, because then all my previous job is wasted. So, I want to sell it for good money to those who need 'retirement investment' traffic from Google. Any recommendations where to sell it?
Voting Question: This is a question mostly for males? (Sat, 06 Mar 2010 08:38:58 GMT)
A 22 year old female is trying to decide between two options: 1. She works for the next 3 years, lives with her parents, and puts all of the money she makes (about $30,000 a year) into a mutual fund, giving her an estimated $107,000 or so at 9% by age 25, when she would start college (paid for by her parents). If she graduated in 4 years, she would be about 29 when she got a bachelor's degree, and due to shy personality traits, might not bring in much more than $40,000-$50,000 annually, of which she would continue to contribute at least $10,000 a year to the $107,000, with an aim of it growing to millions by retirement. Option 2: She goes straight to college now at age 22, graduating with a bachelor's degree by age 26, not investing a penny (focusing on school work) until age 26. She can go to either graduate or medical school from here, giving her a much bigger income by age 30, but postponing investing by about 10 years (from 21 to 30). While medical school would enable her to rival the investing, she could have hundreds of thousands of dollars of student loan debt to pay off before any comparable investing could start. Or, instead of graduate school, she can start working with her bachelor's degree and investing what she can, but she missed the extra years of it growing from 22 to 30. Here are the main issues: Rather than it being just a numbers game with the money, it seems like women have a shelf life that is shorter than men's. In other words, if she were to postpone college (which she's already behind on) for another 3 years while investing money and living with her parents, she's missing the years between 20 and 25 in which she could hang out with a new social group, have people over (either to her dorm or to an apartment her parents helped with for college), etc. I guess the main questions for guys are these: How much is a woman's youth worth to you? Would you rather meet a 25 year old woman who's starting college but already has money saved up, or would you rather meet a 21 year old woman when you're both in college? Would she be more likely to kick herself for not having $100,000 saved up by age 25, or for not starting college until 25? Thanks. She doesn't want kids ever, so that's not even a factor in the equation. Trying to study and work at the same time is a bad idea in this situation, especially if graduate school or medical school is in the picture, because grades would need to be top notch and stress would need to be at a bare minimum, as classwork would be stressful enough entering nearly 4 years late, having forgotten things, etc. The only way working and going to college simultaneously would work would be for a bachelor's only, which wouldn't require a certain GPA for a good graduate or medical school. And, as you said, just a bachelor's combined with shyness is not a pretty money picture.
Resolved Question: Next year at this time you get invited to be a contestant on "Wheel of Fortune" and you win a lot of money.? (Fri, 05 Mar 2010 14:17:48 GMT)
If you invest $100,000 at that time, and leave it to grow to be used in your retirement, how much money will you have when you turn 70 (after 50 years) if you achieve a yearly return on investment of a) 2% or b) 10%?
Resolved Question: Where to Start Investing? (Fri, 05 Mar 2010 05:37:55 GMT)
I am a college student and I am looking to start investing in something that will give me a decent amount of cash later down the road(maybe retirement age or sooner). I was thinking something where I would deposit about $50 a month into it during college and then more once I graduate and start working. What would you recommend the best account type would be? I have hear mutual funds maybe? Any other suggestions would be great, thanks.
Resolved Question: I have read on yahoo answers , many people who are making villans of senior citizens? (Fri, 05 Mar 2010 02:43:36 GMT)
who are on Social Security. How did we get to be so called criminals in the first place? To all the young people out there footing the bill for Social Security. Lets put the blame where it is due. Q.Who introduced Social Security in the first place. A, Franklin Roosevelt (FICA). A democrat . He promised participation would be completely voluntary. ( of course you couldn't get retirement benefits, if you did not participate) . No Longer Voluntary. participants only would pay 1% of the first $1,400 of their annual incomes. Now we pay 7.65% and employee pays same amount. that the money participants elected to put into program would be deductible from their income each year. No longer tax deductible. the money that participants put in would go into Independent trust fund and not into the general trust fund and would only be used for Social Security retirement program and no other government program. until Johnson ( Democrat ) . Money was moved into General Fund and spent. That the annuity funds would never be taxed as income. Under Clinton and Gore (Democrats). Up to 85 % can be taxed. Can you answer the following: Which party started taxing Social Security annuities A. The Democratic party with Al Gore casting the tie breaking vote as President of the Senate, while he was vice president. Q.Which party started to give annuity payments to immigrants A .Jimmy Carter and the Democratic party.they can collect , even if they never paid in a dime to it. Then after violating all the contracts dealing with social security , the Democrats tell you that republicans want to take away your Social Security. and the uninformed BELIEVE IT! Maybe if enough people know the truth , things will change. or maybe not , some Democrats are awfully sure of what isn't so. When Social Security was started, all money was to be invested to draw interest, and that money was suppose to be reinvested etc. and all kept in Social Security fund that way all the money I put in would be there when I retired, and make up for inflation. That way all money put in today would be going to the people who are putting their money in now. Social Security would never go broke and it would pay forever. If the plan was voluntary the only people able to collect would be the people that put their money in , in the first place. I feel sorry for the young people of today , they have every reason to be angry. They will pay in , but will they be able to collect? Please don be angry at the Seniors as they were used just as you are now.
Resolved Question: Question for people over 30? (Fri, 05 Mar 2010 02:21:56 GMT)
I'm 21, and I'm trying to decide between working my butt off for 5 to 10 years (from age 21 to either 26 or 31) and putting 100% of it into a mutual fund, or going to college for 4 years then doing the same type of thing for 5 years (from 25 to 30). The sooner I can get the money invested, the more time it has to grow with compound interest, meaning I need to start now. But without a degree, I could probably only make about $20,000 to $30,000 at best. Whereas with a college degree, I might be able to make $50,000 to $60,000 and invest more of it, and/or maybe have money left over to rent a small place of my own. Anyway, I'm asking this question to people in their 30s and older, since I want to know: What was your youth worth to you? In other words, would I be more likely to regret not having more fun in my 20s, or would I be more likely to regret that I didn't have half a million dollars in the bank by 30 (which could grow to $7 million or more by retirement)? I'm female and single with very little relationship experience, if you want to factor in society's age discrimination into the equation for quality of life, relationships, etc. Should I go to college and then start investing, or invest for 5 years and then go to college at 25, letting the money grow interest? Thanks. Compound interest calculator: Option 1: Invest $30,000 a year from age 21 to age 26, then enroll in college. Would have $200,000 by age 26, which would grow exponentially to about $6 million by age 65, even if no more money was added, and about $10 million if $10,000 a year was added from age 26 to age 65. Option 2: Don't invest anything yet, go to college until age 26, and then start investing $30,000 a year for 5 years, and $20,000 a year after that until age 65. This would leave me with $200,000 by age 31, and about $8.5 million by age 65. Option 3: Go to college for 8 years instead of 4, and start investing $50,000-$100,000 a year at age 30. This would leave me with about $700,000 by age 35, and between $16 million and $23 million by age 65, depending on if I invested $50,000 or $100,000. In other words, is it better to have tens of millions of dollars by your 60s, or is it better to have a couple million by late middle age, or is it better to have a few hundred thousand to about a million by early middle age? How much is youth worth? Molecular: Which option are you saying I should go with? I'm trying to factor in the value of youth, also, rather than just cold numbers by 65.
Resolved Question: Remember back in 2000/2001 when the biggest problem America faced was what to do with The Surplus? (Thu, 04 Mar 2010 15:52:12 GMT)
"Under current policies, the federal government will collect $2.9 trillion more in tax overpayments than it will be able to use to pay down national debt held by the public. 4 This money must be spent by the federal government, invested in the private sector, returned to taxpayers, or some combination of all three. Regrettably, many policymakers have advocated allowing the federal government to invest these excess balances in the private sector. This would be a formula for disaster, which would threaten the economy as well as the retirement security of all Americans..." "Growing Surplus, Shrinking Debt: The Compelling Case For Tax Cuts Now", February 7, 2001 http://www.heritage.org/Research/Taxes/BG1408.cfm
Resolved Question: Best investment to start saving money for kids college, retirement, or home buying? (Thu, 04 Mar 2010 13:19:21 GMT)
I do not know anything about investments. I am a college student and am looking to start putting money away for 1 of 3 things. Either a college fund for my unborn child, retirement, or buying a home. Does the reason I want to save make a difference in the type of investment I choose? My mother started a Fidelity Magellan mutual fund for me when I was young. It's still there untouched. It took a dive when the economy went down, but is starting to rise back up. For a college fund for my child, what would be the best route to go for investing money over a long period of time? Same for retirement and homebuying. I'm not looking for you to tell me what to specifically invest in, I'm looking for some help to learn how it works.
Resolved Question: Should we cash out my wife's 401k? (Thu, 04 Mar 2010 02:40:18 GMT)
My wife is now a stay at home mother. I have a good job and am investing appropriately out of MY income for our retirement. She did however have a full time job in the past and has a little over 4k in a 401k.. Would it be worth it to just cash it out and use for savings and/or other investments? We are doing OK financially, this isn't a move of desperation. I just wonder if there are better things we could be doing with that money instead. Thanks in advance for your answers!!
Voting Question: Do you pay yourself first? (Wed, 03 Mar 2010 17:48:27 GMT)
You’ve heard of paying yourself first, right? When you earn a dollar the first person you pay is you. This concept is generally promoted as a means of saving for retirement or for a rainy day. However, as entrepreneurs we know when we pay ourselves first it is to accumulate assets with the intention of investing to create passive income. There is a huge difference in thinking here. Do you see it? What do you think? http://bigfishtopdogs.com
Resolved Question: Is there ANY EXCUSE AT ALL for a Baby Boomer to be poor in this day and age? (Wed, 03 Mar 2010 01:19:51 GMT)
The Baby Boomer generation was born between 1946 and the early 1960's. Those people enjoyed prime working years during both the Reagan boom-times and the Internet Revolution of the 1990's. Therefore, they should all be sitting on massive fortunes from their investments and other financial instruments which they accumulated back when they were in their 30's and 40's. And yet, on the news, they had a report about people in the Baby Boomer generation who were relying on food stamps and unemployment insurance to survive. WTF????? There is NO REASON for ANY Baby Boomer to EVER be poor! They ALL got rich off the Reagan/Clinton eras! What kind of scam are these people trying to pull. Give me ONE SINGLE REASON why someone from the Baby Boomer generation would lack money? I'm only 28, but I already have substantial retirement savings. But then again, I am not a mentally retarded spendthrift who chooses to burn his money in open pits of fire rather than invest it sensibly.
Resolved Question: Need help with financial investments for homework.? (Tue, 02 Mar 2010 20:19:40 GMT)
An executing nearing retirement made 2 investments totaling $15,000. In one year these investments yielded $1432 in simple interest. Part of the money was invested at 9% and the rest at 10%. How much was invested at each rate
Resolved Question: Would it be wrong to rewrite tax laws that would hurt people when they retire after having worked for decades? (Tue, 02 Mar 2010 17:07:22 GMT)
Pelosi wants to put a Windfall Tax on all stock market profits, including Retirement funds, 401Ks and Mutual Funds. When asked how these new tax dollars would be spent, she replied, “We need to raise the standard of living of our poor, unemployed and minorities. For example, we have an estimated 12 million illegal immigrants in our country who need our help, along with millions of unemployed minorities. Stock market windfall profits taxes could go a long ways to guarantee these people the standard of living they would like to have as Americans. We need to work toward the goal of equalizing income in our country and at the same time limiting the amount the rich can invest”. Is she crazy? She wants to take money from working American citizens that have been working for decades in order to help illegal immigrants? We are not talking about millionaires being taxed here as she so believes. We’re talking about the majority of working Americans that have been funding their retirement plans through their employer and otherwise, and according to the current tax law. Would it be right for Pelosi and the Democrats to rewrite these laws after Americans have been saving for their retirements is accordance with the current laws?
Resolved Question: Iam not an old person (39 years) but Iam very very conservative when it comes to money investing, see below? (Tue, 02 Mar 2010 01:57:52 GMT)
Iam not an old person (39 years) but Iam very very conservative when it comes to money investing, I keep all my money in FDIC insured banks and don't buy real estate (other tahn my own house) stocks, bonds and even don't contribute to retirement plans and even if I buy any I panic a lot till I sell! I hate to see red on my porttfolio. Do you think this is wrong? Do you advise me to take risk or just live with that as long as Iam sleeping well? Please help now I don't sleep just because Iam missing so many opportunities!
Resolved Question: If a 2008 Retiree Had Invested All FICA Taxes in an S&P 500 Mutual Fund Over the Last 40 Years...? (Mon, 01 Mar 2010 15:54:34 GMT)
and that person was never more than a median wage earner, how much more or less would they have compared to the Social Security Retirement System if they retired at the bottom of the crash in 2008? THE ANSWER: 400% MORE. LEARN BASIC MATH LIBERALS. Red, Someone at the poverty level makes 180% more. Get an education, son. J.C.
Resolved Question: Information and how to go about setting up a Roth IRA account.? (Sun, 28 Feb 2010 16:31:13 GMT)
I know a little bit about banking/investing/retirement accounts, but honestly not much about the Roth IRA's which everyone tells me to start setting up. My husband and I are 23 and we're a military family. We already have our TSP set up with a few grand in and currently have a little over a hundred every month being contributed. I also wasn't sure if I should keep it at that amount or be contributing more? With Roth IRA's what fees are involved, how much should I contribute each month, what are the policies for early withdraw if that is even an option, best banks to go through and on and on? When I actually go into the bank I want to know better what they're talking about so I can make a more informed decision so any help from you, or links to great articles are greatly appreciated.
Resolved Question: Who really invests in the U.S. stockmarket? (Sun, 28 Feb 2010 13:57:03 GMT)
Besides retirement plans through a persons work, how many Americans would you say invest in stocks personally? 5-10%, 30%? I have no idea... How many of those investors are trained in some way, professionally or educationally, to make informed decisions? Is there a company that records and publishes data on the demographics of Wall Street investors?
Resolved Question: the time value of money? (Sat, 27 Feb 2010 16:52:34 GMT)
There are two people: Jane and Paul are both are 22 years old. Neither has any savings. Both have just finished college and are starting their first job, making $50,000 each. For simplicity, assume their salaries remain the same throughout their careers. Also assume that there are no taxes. Both will retire at age 65 (in 43 years), and both will earn 9% annually on their investments (i.e., savings). Jane saves nothing every year. That is, she spends all of his income. Paul saves and invests ½ of his income every year. Income is defined as salary + earnings on investments. By the time they retire, which person will have spent more? At what age are they spending the same amount annually? At what age will they have spent the same amount cumulatively? How much does each have in the account at retirement at age 65?
Voting Question: Investment Problems??? Almost got it!? (Sat, 27 Feb 2010 10:11:16 GMT)
To provide for retirement income, Teresa Puelo purchases a $5000 bond that earns 7.5% annual simple interest. How much money does Teresa have invested in bonds that earn 8% annual simple interest if the total annual interest earned from the two investments is $615? So far I have I = Pr equation 1 = .075x equation 2 = .08(5000-x) add the two equations together and I got .075x + .08(5000-x) = $615 -.005x = $215 x = -$43,000 the answer is $3,000 invested in bonds that earn 8% annual simple interest. WHAT WENT WRONG?
Resolved Question: foreclosure and inheritance? (Fri, 26 Feb 2010 19:27:12 GMT)
A friend's mother recently died. He is her last living heir and thus inherited all of her life insurance, money in the bank (she had just retired and received a large severance for early retirement,) and her house which had just begun the process of foreclosure. A few questions. Can he just let the house go...take the things he wants out and let it be foreclosed or will the money that he has in the bank from her insurance and severance be seized for collatoral (she had several mortgages...not sure if that is relevant.) Also, the money that he acquired would surely put him in a higher tax bracket. Is it more reasonable in this market for him to buy a small house (instead of paying rent) or to invest the money in mutual funds? He does not want his mother's house as it is in a poor location and is way to large and fancy for him (he is only 22.) A few details: He lives in NC and the inheritance is just about the same as the appraisal on the house. Thanks for any help you can give us!
Voting Question: What are some companies that have the best 401K or pension programs? (Thu, 25 Feb 2010 15:30:16 GMT)
Recent college grad looking to see what companies have the best retirement programs. I know working for the gov't has the best pension, but what about companies, which ones invest in their employees the most. I heard steel companies have really good 401K programs.
Resolved Question: I'm 26 and looking for some opinion on my saving/investment history to see if I am on the right track...? (Thu, 25 Feb 2010 00:32:19 GMT)
I am 26 years old and have about $50,000 total invested. Its all money I've earned working since I turned 18. These are my main investments I've done, the rest I've held in cash. Last year I invested $9028.89 in the stock market with the idea to hold for one year and sell and then evaluate my performance. I had never done stock market investing before so I saw it as a learning experience. After one year I sold my stock and got a profit of $521.66 which came out to 5.8%. I also have money invested for retirement and have two accounts. $8000 invested in account #1 earned $1,337 which comes to a 16.7% increase over 5 years $9103.19 invested in account #2 earned 3,990.18 which comes to 43.8% increase over 7 years So am I doing OK? My plan is to continue to invest in the stock market and eventually buy a apartment to rent out. Any tips, advice, or suggestions?
Resolved Question: Investment Advice: Just need Help with chosing paticular mutual funds? (Wed, 24 Feb 2010 23:01:52 GMT)
I have 90K put aside that I want to invest, I have two objectives 20K need for wedding for 3years from now and rest for retirements savings I am trying to create my own portfolio This is what I would like to do, which ticker sybols do I need to look at for these and why 40% Equity mutal Funds - $36,000 30% Government Bond Funds - $27000 20% Growth & Income Funds- $18000 10% Index Funds.- $9000 I prefer a moderate risk portfolio I forgot to include that --
Resolved Question: Private Pension, Stakeholder, Investments, ISA's... Best Outcome for Retirement? (Sat, 20 Feb 2010 01:31:32 GMT)
My fiancee is looking to start saving for the future. He is 25 and his retirement age will be 68. (UNITED KINGDOM.) I know a little bit about all the options that are available, but what do the experts out there recommend for looking forward to a happy future? Is it worth taking a few risks, as I think it is, hopefully earning a lot more? Or should he just invest in a pension that has no risk what-so-ever? My thinking is, that while he is sensible in saying now is the time to start, he still has a few years and perhaps even just the next ten years could be spent taking a riskier approach.
Resolved Question: Present Values: Amount of Invested Income required to retire happily? (Thu, 18 Feb 2010 03:33:11 GMT)
Starting salary is $46,000 per year and grows 2.7% per year until retirement. Assume the following: 1) You have just turned 22 years old 2) Every dollar in the retirement plan earns 7.1% per year 3) You cannot make withdrawals until you retire at age 65 4) You decide to live to 100 years old and work until you are 65 5) You need $100,000 each year during retirement What percentage of your income do you need to contribute to the plan every year to fund the same retirement income? 5 Stars!!!
Resolved Question: What can I do about an wife unsupportive of finishing college, then teaching? (Wed, 17 Feb 2010 18:37:45 GMT)
After years of procrastination, I have started attending college again, and plan on teaching HS History/English afterward. My wife detests the school I attend because she had a poor experience trying to get in. I am trying to make a better future for my family, to provide stability and retirement means. She seems to get it, but makes snyde remarks and cuts below the belt whenever she can regarding the school. She says she feels betrayed by my attendance at the school that did not help her get in (there was a Bible course she refuses to take, and its a Christian school). I was already accepted, invested, and scheduled when this happened. Should I have given up to save her feelings? Is it reasonable for me to expect her to understand that schools have requirements, and that they should not have to change their standards just for her?
Resolved Question: Do you agree with the Heritage Foundation that investing surplus tax revenues is "a formula for disaster"? (Wed, 17 Feb 2010 16:06:22 GMT)
2001: "Under current policies, the federal government will collect $2.9 trillion more in tax overpayments than it will be able to use to pay down national debt held by the public. This money must be spent by the federal government, invested in the private sector, returned to taxpayers, or some combination of all three. >>>>>>Regrettably, many policymakers have advocated allowing the federal government to invest these excess balances in the private sector. This would be a formula for disaster<<<<, which would threaten the economy as well as the retirement security of all Americans." http://www.heritage.org/Research/Taxes/BG1408.cfm (((smsmith5...))): What are you saying? That the tax rate should be zero???? (((Islam Delenda Est))): So if someone doesn't put any new charges on their credit card last month, that means they can stop paying the old ones off?
Resolved Question: Part 2,SIMPLE Algebra SIM Equations Free 10pts!!!!!!!!!!!!!!!!!? (Wed, 17 Feb 2010 12:13:30 GMT)
1)An executive nearing retirement made two investments totaling $15,000. in one year, these investments yielded $1,432 in siomple interest. Part of the money was invested at 9% and the rest at 10% how much money was invested at each rate. 2)a boy paddled for 4 hours with a 6mph current to reach a camp site. the return trip against the same current took 10 hours. find the speed of his canoe in still water. 3)An airplane flies 4 hours west with a 60mph tailwind. the return trip against the wind took 5 hours. find the speed of the plane.
Resolved Question: finance question please help? (Tue, 16 Feb 2010 23:26:09 GMT)
You are planning your retirement and you come to the conclusion that you need to have saved $1,500,000 in 30 years. You can invest into an retirement account that guarantees you a 6% annual return. How much do you have to put into your account at the end of each year to reach your retirement goal? a.$81,314.29 b.$18,973.37 c.$23,346.59 d.$12,382.37 show work please I don't understand this
Resolved Question: financial help please? (Tue, 16 Feb 2010 22:21:16 GMT)
Your sister turned 30 today, and she is planning to save $3,000 per year for retirement, with the first deposit to be made one year from today. She will invest in a mutual fund, which she expects to provide a return of 10% per year. She plans to retire 35 years from today, when she turns 65, and she expects to live for 30 years after retirement, to age 95. Under these assumptions, how much can she spend in each year after she retires? Her first withdrawal will be made at the end of her first retirement year.
Voting Question: need the answers to the questions asap. extremely hard, how do i figure them out? (Tue, 16 Feb 2010 00:21:45 GMT)
Laura has decided to set up a IRA (individual retirement account) in which she will make a deposit to her plan at the end of each year, beginning one year from today. She expects to earn 9% on her investment, over a period of 10 yrs. A. If she invest the maximum amount of $3,000 at the end of each of the 10 years how much will she have accumulated over after 10 years? How much of this will be interest? B. Assume the same facts as stated previously, except tat Laura plans to make her deposit for each of the 10 years beginning today. How much will she have accumulated 10 years from today? (Hint: you do not have a table in the text for this type of annuity. But you can compute the future value of each deposit separately and add the totals together.) How much of the ending account balance will be composed of interest? C. Refer to the answers for parts A and B. Which one is larger? Why? Explain. Please help me answer the questions and email me at ballnms@gmail.com thanks.
Resolved Question: Where would you put 50k today if you wanted to invest it for retirement in 15 years? (Mon, 15 Feb 2010 15:43:43 GMT)
Voting Question: Can I receive tax benefits for using funds from a US house sale when purchasing a home in Italy? (Mon, 15 Feb 2010 15:04:28 GMT)
I wasn't planning to sell the property I shared with my ex-spouse for 7years, when the children are through with school. At that time, I was hoping the market would be better and it would be the right time for retirement. I wanted to purchase a home in Italy at that time. Now, my ex-spouse needs to sell and I can not buy them out, but there will be my share of around 100K in profit. If I invest this in a property in Italy will I be penalized financially or is it considered a tax benefit?
Resolved Question: Help with time value of money and retirement? (Mon, 15 Feb 2010 00:36:22 GMT)
I need some help with this problem. I'm not looking for someone to answer it for me, just explain how so I can do it. Thanks. Question: Easy Leifer plans to retire at the age of 65 and believes he will live to be 90. Easy wants to receive an annual retirement of $50,000 at the beginning of each year. He set up a retirement account that will earn 6% annually. A. How much money must Easy have in his account when he reaches 65 years old. B. Easy is currently 29 years of age. How much must he invest in this account at the end of each year for the next 36 years to have this amount by age 65?
Resolved Question: Which Retirement Benefits Are Better for a 2008 Retiree: S&P 500: $407,735 or Social Security $147,736? (Sun, 14 Feb 2010 08:44:49 GMT)
$407,735 for a mere median wage earner if Social Security had been privatized over the last 40 years and every cent of FICA tax equivalent was invested in the stock market (even after the 2008 plunge). OR $147,736 for a median wage earner under the Social Security System. Now, what's the argument against private accounts and getting rid of this pathetic Ponzi Scheme? http://www.youtube.com/watch?v=vXGhvoekY44 http://www.youtube.com/watch?v=f4zyjLyBp64 As you can see, the Liberals aren't very good at simple math. That's why they don't know that surface temperatures haven't risen of fallen in a statistically signficant way in the last 15 years, anywhere on earth.
Resolved Question: Does universal life insurance make sense for us over term? (Sun, 14 Feb 2010 07:01:30 GMT)
We are in the process of getting life insurance quotes. Married, wife is 23 and husband is 27 (he is a pilot so has horrible rates). At first we thought we would want a 30 year term policy for $300k. When we met with an agent he gave us quotes for term and universal life. The premiums were about $30 more a month (increased from $170 to $200 for the two of us) for the universal life policy. I would have never considered a permanent policy until receiving these numbers as from my research I thought we would get very low term rates and unaffordable permanent policy rates. $200/month is unaffordable so we are likely going to drop our amount of coverage to the minimum we'd need anyways. I don't foresee us to need insurance after the 30 years is up, we would rather invest on our own, etc. Just looking at the cost per month and that after 30 years we'd be out the $170/month with nothing to show except peace of mind vs. after 30 years paying $200/month having a bunch of money guaranteed to us (another form of retirement savings although with high fees), would it be dumb to choose a term policy because of our weird rates? Which should we pick (I am still shopping around to make sure I can't get a better deal on term but this is going through our family's agent)? Thanks! From the guaranteed projections for this 50% fixed 50% variable (based on S&P500) policy we would come out ahead vs. investing the $30/month difference on our own. Otherwise, I would never even consider this. I had always heard it was better to get term insurance. Thing is, our rates are so high as my husband is a pilot (otherwise it would be under $80/month and term would be a better deal). The goal is to protect the surviving spouse against our debts for the next 30 years while we expect to have debts (or our parents if both of us die). Are there any other types of permanent insurance that we should look at instead that may still make more financial sense than universal? I am also getting more quotes to see if this term quote was high. Also, this rate is subject to decrease after they evaluate the questionnaire my husband answered about his flying (the agent assumed he would get the same rating as his other clients who are pilots). We have separate retirement savings.
Resolved Question: Remember when America's biggest worry was what to do with the Budget Surplus? (Sun, 14 Feb 2010 02:17:53 GMT)
2001: "Under current policies, the federal government will collect $2.9 trillion more in tax overpayments than it will be able to use to pay down national debt held by the public. This money must be spent by the federal government, invested in the private sector, returned to taxpayers, or some combination of all three. Regrettably, many policymakers have advocated allowing the federal government to invest these excess balances in the private sector. This would be a formula for disaster, which would threaten the economy as well as the retirement security of all Americans." "Growing Surplus, Shrinking Debt: The Compelling Case For Tax Cuts Now", February 7, 2001, The Heritage Foundation http://www.heritage.org/Research/Taxes/BG1408.cfm
Resolved Question: Which online mutual fund broker? (Thu, 11 Feb 2010 18:58:33 GMT)
Hey all , I'm a complete noob at any investing. I do have a complany matched 401k, but that's it. I'm wanting to invest in mutual funds through an online broker that has no minimum investment, and automatic investment withdrawals from bank account. I'm wanting just general savings options, not IRA or other retirement accounts. thanks .... There are several no minimum account brokers out there, but I don't see any options for automatic bank withdrawal investing. Maybe sharebuiler.com being the only exception.
Resolved Question: About investing and retirement? (Wed, 10 Feb 2010 23:17:21 GMT)
Someone I know - it's not me, but they're very sensitive about this - has foolishly invested most of their retirement money in Qwest. Right now, the stock fell and if they take the money out, they'll lose $20,000 they told me. Where can I get advice on this, or would you say this is a good time to bite the lip and put the money in a diff company? Does Qwest have a chance to grow? Hey Think! Thanks for your help, how come you don't allow IMing or emaling? :( I wanted to answer your question that you brought up. This person invested a total of $50,000, it fell down over a long period, not one day. Email me, peleeaease Seriously though, it ain't me :) I'm a broke mofo
Voting Question: The next time the U.S. finds itself with a budget surplus, do you think it will try to save it? (Tue, 09 Feb 2010 23:17:38 GMT)
The next time the U.S. finds itself with a budget surplus, do you think it will try to save it? Or will it just blow it on more tax cuts? The Heritage Foundation, 2001: "Under current policies, the federal government will collect $2.9 trillion more in tax overpayments than it will be able to use to pay down national debt held by the public. 4 This money must be spent by the federal government, invested in the private sector, returned to taxpayers, or some combination of all three. Regrettably, many policymakers have advocated allowing the federal government to invest these excess balances in the private sector. This would be a formula for disaster, which would threaten the economy as well as the retirement security of all Americans."

Retirement investing

Retirement-News.com