Build My Nest Egg - Retirement Planning Tips

RRC Conference Presentation: The Decline in Saving: What Can We Learn from Survey Data? (PDF)

2005-11-09T05:54:00.000-08:00

20 pages. Excerpt: "Conclusion: We know very little about the causes of the decline in U.S. saving. It is a major issue of substantial policy importance. We currently devote no significant effort to measuring saving behavior. A synthetic cohort analysis is no substitute for direct panel survey data. Need to reinstitute the panel component of the SCF." (Center for Retirement Research at Boston College) more...

Further Retirement Savings Information...
Originally Posted on 11/9/2005 6:54:41 AMContent source: http://www.bc.edu/centers/crr/papers/Seventh_Paper/Bosworth2.pdf

Legitimate Home-Based Business

2005-11-08T05:49:00.000-08:00

"Can the common man or woman achieve wealth with a home based business?" asks Greg Six, owner of The Six Group. Greg is a home based business entrepreneur, assisting people as they search for legitimate home-based income. [PRWEB Aug 20, 2005] more...

Further Retirement Savings Information...
Originally Posted on 11/8/2005 6:49:31 AMContent source: http://www.prweb.com/releases/2005960/8/prweb274771.htm

BEA Launches Secure Retirement Insurance Plan

2005-11-05T06:23:00.000-08:00

Guaranteed Returns Help People Establish Financial Security in Retirement

Hong Kong, 12th May, 2005 ― The Bank of East Asia (“BEA”) has recently launched
its Secure Retirement Insurance plan offering guaranteed returns. With a level
income stream after retirement, people today can plan more effectively to ensure
their financial comfort later in life.

BEA’s Head ... more...

Further Retirement Savings Information...
Originally Posted on 11/5/2005 7:23:01 AMContent source: http://retirement-insurance-plans.com/index.php?p=4

Find The Right Plan

2005-11-03T06:17:00.000-08:00

Visit Our Directory of Retirement Insurance Plans more...

Further Retirement Savings Information...
Originally Posted on 11/3/2005 7:17:45 AMContent source: http://retirement-insurance-plans.com/index.php?p=2

Federal Retirement

2005-11-01T16:08:00.000-08:00

Information To Buy Federal Retirement Or Financial Planning Retirement Online There are several federal retirement solutions that may work for you. The right federal retirement for you is literally a point and click away. You have the power to pick the best federal retirement. Don't hesitate. Your federal retirement is just a point and click away. The online forms to get my federal retirement was so easy to fill out.
Federal Retirement : Federal Retirement

more...

Further Retirement Savings Information...
Originally Posted on 11/1/2005 5:08:19 PMContent source: http://www.my-retirement.org/2005/09/federal-retirement.php

Build a Solid Foundation for Your Retirement (Local Tech Wire)

2005-10-29T09:00:00.000-07:00

As a small business owner, you understand the importance of your company’s finances and operating budgets. It is equally critical to set personal financial goals and determine how they will be met when planning for retirement. more...

Further Retirement Savings Information...
Originally Posted on 10/29/2005 9:00:18 AMContent source: http://us.rd.yahoo.com/dailynews/rss/search/planning+for+retirement/SIG=11kr0fh4n/*http%3A//www.localtechwire.com/article.cfm?u=12199

Opinion: Life Expectancy, Age Discrimination, and Retirement at 70

2005-10-27T01:28:00.000-07:00

Excerpt: "Some months back I advocated gradually raising the eligibility ages for Social Security and Medicare to 70 over the next 25 years. Even this would only reduce the large increases in future federal retirement costs. Naturally, I was deluged with fan mail. 'You must be on drugs,' said one letter." (The Washington Post; one-time registration required) more...

Further Retirement Savings Information...
Originally Posted on 10/27/2005 1:28:18 AMContent source: http://www.washingtonpost.com/wp-dyn/content/article/2005/08/23/AR2005082301175.html

RRC Conference Paper: Demographic Change, Retirement Saving, and Financial Market Returns (PDF)

2005-10-25T14:16:00.000-07:00

21 pages. Excerpt: "This paper is the first part of an analysis that aims to evaluate the likely empirical importance of demographic trends on market returns in the United States." (Center for Retirement Research at Boston College) more...

Further Retirement Savings Information...
Originally Posted on 10/25/2005 2:16:12 PMContent source: http://www.bc.edu/centers/crr/papers/Seventh_Paper/Poterba1.pdf

RRC Conference Presentation: What are the Risks and Returns of Private Accounts for Social Security? (PDF)

2005-10-24T13:16:00.000-07:00

15 pages. Conference session Discussant Remarks by Deborah Lucas. (Center for Retirement Research at Boston College) more...

Further Retirement Savings Information...
Originally Posted on 10/24/2005 1:16:09 PMContent source: http://www.bc.edu/centers/crr/papers/Seventh_Paper/Lucas.pdf

Conference Papers from the 7th Annual Conference of the Retirement Research Consortium

2005-10-20T15:01:00.000-07:00

The Seventh Annual Conference of the Retirement Research Consortium,'Towards a Secure Retirement System,' was held on August 11-12, 2005, atthe National Press Club in Washington, D.C. The papers and presentations from the conference are now available on the Center's website. You can access them [on the target page]. (Center for Retirement Research at Boston College) more...

Further Retirement Savings Information...
Originally Posted on 10/20/2005 3:01:16 PMContent source: http://www.bc.edu/centers/crr/seventh_annual.shtml

Research Brief: Simulating the Effect of Changes to the OASDI and Medicare Programs

2005-10-20T01:27:00.000-07:00

2 pages. Excerpt: "In this paper, [the authors] report estimates of a dynamic programming model that addresses the interplay among health, financial resources, and the labor market behavior of men nearing retirement age." (University of Michigan Retirement Research Center) more...

Further Retirement Savings Information...
Originally Posted on 10/20/2005 1:27:10 AMContent source: http://www.mrrc.isr.umich.edu/publications/briefs/pdf/rb075.pdf?CFID=40794&CFTOKEN=38667026

Democrats Demand Conditions on Social Security to Go Forward on Reform

2005-10-19T12:47:00.000-07:00

Excerpt: "On the eve of Social Security's 70th anniversary, Democrats said [August 13] they are ready to move toward revamping the financially troubled retirement program but warned against stripping away benefits to retirees and relying on private accounts for funding. 'We have a moral obligation to stand up and protect Social Security for the next 70 years and beyond -- that means stopping privatization and dropping partisan demands for private accounts,' said Rep. John Salazar, ...." (Reuters via The New York Times; one-time registration required) more...

Further Retirement Savings Information...
Originally Posted on 10/19/2005 12:47:09 PMContent source: http://www.nytimes.com/reuters/politics/politics-retirement-usa-democrats.html

Book: Social Security Programs and Retirement around the World: Fiscal Implications

2005-10-19T00:43:00.000-07:00

Excerpt: "The ... papers [listed on the target page], preliminary drafts unless otherwise noted, will become chapters in the conference volume. They have not yet been subjected to the formal review process of the NBER." (National Bureau of Economic Research) more...

Further Retirement Savings Information...
Originally Posted on 10/19/2005 12:43:24 AMContent source: http://www.nber.org/books/intlSS-p3/

How Well Has Chile's Retirement Program Aged?

2005-10-18T15:05:00.000-07:00

Excerpt: "Viewed as one of the world's most innovative pension systems when it was created a quarter century ago, the Chilean retirement program is receiving new scrutiny as participants begin to reach retirement age, and President Bush promotes elements of the plan as a way to reform Social Security in the United States." (Wharton School of the University of Pennsylvania) more...

Further Retirement Savings Information...
Originally Posted on 10/18/2005 3:05:55 PMContent source: http://knowledge.wharton.upenn.edu/article/1263.cfm

Task Force Says Social Security Privatization Will Harm Gay Americans

2005-10-18T04:58:00.000-07:00

Excerpt: "The National Gay and Lesbian Task Force released a report ... that finds that LGBT Americans will be disproportionately harmed by President Bush's plan to privatize Social Security. According to 'Selling Us Short: How Social Security Privatization Will Affect Lesbian, Gay, Bisexual and Transgender Americans,' LGBT Americans, on average, have lower incomes than their heterosexual counterparts, which translates into lower Social Security benefits when they retire." (OIA Newswire via Out in Harrisburg) more...

Further Retirement Savings Information...
Originally Posted on 10/18/2005 4:58:21 AMContent source: http://www.outinharrisburg.com/home/news.asp?articleid=9343

Letter: Bush's plan is cut in disguise

2005-10-17T22:36:00.000-07:00

As President George W. Bush has been traveling around the country to promote his plan to privatize Social Security he has told America that there is an imminent crisis in funding for Social Security. more...

Further Retirement Savings Information...
Originally Posted on 10/17/2005 10:36:11 PMContent source: http://www.feed24.com/go?item_id=10423438

Hoyer blasts Social Security privatization, Medicare changes

2005-10-17T15:55:00.000-07:00

U.S. Rep. Steny Hoyer criticized efforts to privatize Social Security and changes in the Medicare prescription drug program at a meeting last week in Laurel. more...

Further Retirement Savings Information...
Originally Posted on 10/17/2005 3:55:08 PMContent source: http://www.feed24.com/go?item_id=10420262

Sanders: Bush lies about Social Security

2005-10-17T06:03:00.000-07:00

BRATTLEBORO - Congressman Bernard Sanders found a receptive audience Monday as he urged more than 150 area senior citizens to oppose President Bush's attempts to overhaul Social Security. more...

Further Retirement Savings Information...
Originally Posted on 10/17/2005 6:03:42 AMContent source: http://www.feed24.com/go?item_id=10378120

FPA members call for Social Security reform now (Westchester County Business Journal)

2005-10-17T01:18:00.000-07:00

Financial planners overwhelmingly agree that reform of Social Security is needed now to avoid future insolvency in the federal retirement trust fund, according to a survey recently conducted by the Financial Planning Association. more...

Further Retirement Savings Information...
Originally Posted on 10/17/2005 1:18:11 AMContent source: http://us.rd.yahoo.com/dailynews/rss/search/Social+Security/SIG=12kd3k3dd/*http%3A//www.westchestercountybusinessjournal.com/current_issue//090505wfoc06.html

Social Security (Opelousas Daily World)

2005-10-16T14:59:00.000-07:00

If you have questions about your Social Security benefits, call (800) 772-1213. The local Social Security Office is located right off the Judson Walsh exit off of Interstate 49. The office has extended its hours from 8 a.m. to 5 p.m. and will be open Saturday. more...

Further Retirement Savings Information...
Originally Posted on 10/16/2005 2:59:06 PMContent source: http://us.rd.yahoo.com/dailynews/rss/search/Social+Security/SIG=12n1etjb0/*http%3A//www.dailyworld.com/apps/pbcs.dll/article?AID=/20050906/NEWS01/509060309/1002

It's time to take action on Social Security reform (Leaf-Chronicle)

2005-10-16T06:23:00.000-07:00

Recently Social Security celebrated its 70th birthday. For seven decades, this program has kept millions of seniors out of poverty. So why is Social Security in trouble? It is purely a matter of changing demographics. more...

Further Retirement Savings Information...
Originally Posted on 10/16/2005 6:23:52 AMContent source: http://us.rd.yahoo.com/dailynews/rss/search/Social+Security/SIG=1378apr0l/*http%3A//www.theleafchronicle.com/apps/pbcs.dll/article?AID=/20050905/OPINION03/509050323/1014/NEWS01

Social Security waits for action by divided GOP (Amy Fagan / THE WASHINGTON TIMES) (The Washington Times)

2005-10-16T02:37:00.000-07:00

House Republican leaders, who weeks ago pledged to take the lead on Social Security, still say they will act this fall, but the party remains divided, as some of their members push for a personal accounts bill, some want a broader package and others don't more...

Further Retirement Savings Information...
Originally Posted on 10/16/2005 2:37:47 AMContent source: http://us.rd.yahoo.com/dailynews/rss/search/Social+Security/SIG=12o79g6or/*http%3A//insider.washingtontimes.com/articles/normal.php?StoryID=20050904-104830-4897r

IRS Issues IRA Resource Guide on CD-ROM for Small Business Owners and Individuals

2005-10-14T09:29:00.000-07:00

Excerpt: "The IRS has issued a second multimedia publication (Publication 4395, 2-2005) on CD-ROM providing information on retirement planning. The IRS previously issued a multimedia disk (Publication 4050) describing its correction programs for retirement plans. This second CD-ROM covers IRAs, SEPs, and SIMPLE IRAs. There is no charge to order the disk. The IRS Resource Guide is geared to three target audiences: (1) individuals, (2) small businesses and (3) tax and benefit professionals." (McKay Hochman Co., Inc.) more...

Further Retirement Savings Information...
Originally Posted on 10/14/2005 9:29:55 AMContent source: http://www.mhco.com/Commentary/2005/IRA_Resource_Guide_040605.htm

IRS Posts 'Simple IRA Plan Checklist' (PDF)

2005-10-13T14:51:00.000-07:00

1 page. Excerpt: "Every year it is important that you review the requirements for operating your Savings Incentive Match Plan for Employees of Small Employers (SIMPLE) IRA plan. This Checklist is a 'quick tool' to help you keep your plan in compliance with many of the important tax rules. Underlined text [on the target page] will link you to Internet information." (Internal Revenue Service) more...

Further Retirement Savings Information...
Originally Posted on 10/13/2005 2:51:04 PMContent source: http://www.irs.gov/pub/irs-pdf/p4284.pdf

Aon Chart of 2005 Limits for Benefit Plans (Updated) (PDF)

2005-10-13T08:47:00.000-07:00

Excerpt: "Our October ... Alert was published soon after IRS and the other federal agencies released their official inflation-adjusted benefit limits in mid-October. That Alert also estimated the inflation-adjusted amounts for income tax brackets, personal exemptions, standard deductions, and similarly adjusted items. In November, IRS released its second wave of official inflation-adjusted items and PBGC updated its maximum guaranteed benefit in December. We have updated our Alert accordingly." (Aon) more...

Further Retirement Savings Information...
Originally Posted on 10/13/2005 8:47:56 AMContent source: http://www.aon.com/about/publications/pdf/alert/alert_120904.pdf

Stretch That IRA

2005-10-13T01:49:00.000-07:00

This is from a post I did earlier this year so most of my readers probably never saw it.
This information was taken from Ed Slott&amp;#8217;s books, The Retirement Savings Time Bomb and How to Defuse it and Parlay Your IRA Into a Family Fortune.
In the second book, Slott talks about stretching an IRA. I gotta [...]

To continue, please visit AllThingsFinancial. more...

Further Retirement Savings Information...
Originally Posted on 10/13/2005 1:49:36 AMContent source: http://feeds.feedburner.com/Allthingsfinancial?m=502

Forgotten savings bonds might yield treasure (Sun-Sentinel)

2005-10-12T00:17:00.000-07:00

Jack Quinn got interested in savings bonds several years ago when he found a forgotten stack of them in the bottom of a drawer. Now, he runs a company that provides consumers with information about the venerable U.S. government savings program, which offers an investment that is widely misunderstood. more...

Further Retirement Savings Information...
Originally Posted on 10/12/2005 12:17:50 AMContent source: http://us.rd.yahoo.com/dailynews/rss/search/savings/SIG=13gqj535q/*http%3A//www.sun-sentinel.com/business/local/sfl-zkristof06sep06,0,7100041.column?coll=sfla-business-headlines

Health Savings Accounts: The News Keeps Getting Better (Heritage Foundation)

2005-10-11T20:31:00.000-07:00

There is good news in the world of health insurance. While premiums for traditional insurance continue to rise, premiums for one kind of insurance are decreasing. That option, the Health Savings Account, gives consumers real choice, offering a variety of plans to fit a wide range of needs and budgets. more...

Further Retirement Savings Information...
Originally Posted on 10/11/2005 8:31:46 PMContent source: http://us.rd.yahoo.com/dailynews/rss/search/savings/SIG=11pl4a8m2/*http%3A//www.heritage.org/Research/HealthCare/wm833.cfm

Vacant savings and loan may come back to life (Detroit News)

2005-10-11T11:11:00.000-07:00

MOUNT CLEMENS -- They used to call the old Federal Savings and Loan building on South Main "The Flying Nun" because of the undulating cement roof design reminiscent of Sally Field's nunnery headdress in the television series by the same name. more...

Further Retirement Savings Information...
Originally Posted on 10/11/2005 11:11:34 AMContent source: http://us.rd.yahoo.com/dailynews/rss/search/savings/SIG=11t0efk69/*http%3A//www.detnews.com/2005/macomb/0509/06/B04-301309.htm

Understanding Equity Index Annuities

2005-10-10T04:00:00.000-07:00

Lately, I have been trying to research how people explain the equity index annuity. I have to tell you that most every description I read of it is wrong. People seem to misunderstand this vehicle completely and I don't know why. It is not that confusing, but unfortunately, the equity index annuity gets described wrong constatnly.
I recently wrote information on the equity index annuity. It is probably the most comprehensive and simple explanation of how ti really works. I have only had it as an upgrade to 'The Shocking Truths' book but I feel like I would like to have it as a stand alone.
I am asking for your feedback. IF you think you would appreciate to have this package available as a stand alone product, let us know by sending us a message at support@AnnuityMD.com. If the feedback is good, we will release this package as a stand alone. Again, it explains the EIA in a way nobody really has, and it comes with an audio cd highlighting the important points of the book and of The Shocking Truths book. I will soon let you know how the response is. Until next time...
Ignorance IS Not Bliss.
Tony Bahu
more...

Further Retirement Savings Information...
Originally Posted on 10/10/2005 4:00:58 AMContent source: http://feeds.feedburner.com/Annuities---theWholeTruth?m=53

The Annuity Industry Had Better Rethink This

2005-10-09T21:49:00.000-07:00

I do believe that one of the problems in the annuity industry is that in order to sell fixed and index annuities, all one needs is an insurance license. That means, your annuity agent may not have ANY formal education in the financial arena...THAT'S SCARY.
For you to entrust someone with that kind of money, and for him to have no financial education is a sin. Now, don't get me wrong, some of the agents are VERY well educated. But if you think of the new agent entering the market, they may have little or no experience with investing matters.
This to me is something the insurance industry should rethink. You see, fixed and index annuities (index annunities are glorified fixed annuities for lack of a better explanation at the present) do not have the stipulations that securities have on them. This leaves a lot of room more abuse and I truly think that should be changed.
The insurance industry should, without a doubt, require formal FINANCIAL training for someone who wants to sell annuities. I will say this forever and continue to push for it. Just trying to say that I believe it is necessary...that's all.
Out!!!
Ignorance IS NOT BLISS!!!
Tony Bahu
For more information on IRA's, please visit:

www.irasearch.info/ira-s.htm

more...

Further Retirement Savings Information...
Originally Posted on 10/9/2005 9:49:50 PMContent source: http://feeds.feedburner.com/Annuities---theWholeTruth?m=50

Organizations help those seeking financial advice (Reg Req'd)

2005-10-09T16:37:00.000-07:00

A t Your Service: I am the beneficiary of a structured annuity that I want to sell. more...

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Originally Posted on 10/9/2005 4:37:19 PMContent source: http://www.feed24.com/go?item_id=10448500

Moody's May Upgrade Allmerica Insurance, Annuity Ops

2005-10-09T02:36:00.000-07:00

Moody's Investors Service on Wednesday placed the Ba1 insurance financial strength rating of Allmerica Financial Corp.'s variable life insurance and variable annuity business on review for possible upgrade, as ... more...

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Originally Posted on 10/9/2005 2:36:07 AMContent source: http://www.feed24.com/go?item_id=10301133

Insurance / Annuity Marketing Rep

2005-10-08T17:31:00.000-07:00

Location: Charlotte, NC

/ Regional office of a national Life Insurance and Annuity marketing company representing over 40 carriers ISO quality marketing reps. Candidate/s must have appropriate licenses. Life Insurance and/or Annuity experience necessary. Career agency or Brokerag...

/ (Source: Employment Spot.com) more...

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Originally Posted on 10/8/2005 5:31:53 PMContent source: http://www.feed24.com/go?item_id=10285581

Bank drawn into lawsuit (The MetroWest Daily News)

2005-10-08T13:50:00.000-07:00

T he estate of a recently deceased Shrewsbury woman who was bilked out of nearly $1 million by a Florida con man is suing Westborough Bank for damages. more...

Further Retirement Savings Information...
Originally Posted on 10/8/2005 1:50:48 PMContent source: http://us.rd.yahoo.com/dailynews/rss/search/annuity/SIG=12ccgf7rb/*http%3A//www.metrowestdailynews.com/localRegional/view.bg?articleid=108030

Betty Harris Custer: Annuities can have a place in IRA plans (The Capital Times)

2005-10-08T03:37:00.000-07:00

Perhaps refuting one of my colleagues who is in the Investment Challenge with me seems like I am carrying this challenge thing too far, but I really felt the need to comment on Ray Unger's recent column on using annuities in IRAs. more...

Further Retirement Savings Information...
Originally Posted on 10/8/2005 3:37:25 AMContent source: http://us.rd.yahoo.com/dailynews/rss/search/annuity/SIG=124c1csvu/*http%3A//www.madison.com/tct/business/stories/index.php?ntid=53019

The 2003 Tax Act: Opportunity Knocks for the Tax-Savvy Investor

2005-10-07T20:37:00.000-07:00

The new dividend tax law, despite its complexity, is packed with opportunity for investors but deriving those benefits will not be easy. The law offers at least a temporary reduction in taxes on ordinary income, on dividend income, and on long-term capital gains. Clearly, it is time to call a meeting with your tax preparer and your financial consultant. Read about the new opportunities and complications this tax act presents in this white paper. more...

Further Retirement Savings Information...
Originally Posted on 10/7/2005 8:37:20 PMContent source: http://www.taxsavvyinvesting.com/display/displayfile3.asp?fileid=389

Not-for-Profit Retirement Solutions: Are you ready for a 401(k)?

2005-10-07T11:00:00.000-07:00

The not-for-profit organization's retirement solution has traditionally fallen into the universe of 403(b) products, dominated by annuity-based plans. There has been a tremendous amount of change in the makeup of the 403(b) solution, with a growing trend toward lower-cost mutual fund based programs. The comparison comes down to a 403(b) or a 401(k) and what is best for your organization. more...

Further Retirement Savings Information...
Originally Posted on 10/7/2005 11:00:17 AMContent source: http://www.taxsavvyinvesting.com/display/displayfile3.asp?fileid=359

Strategies for Year End: Plugging the Leaks

2005-10-07T07:26:00.000-07:00

Financial plans spring leaks, and when they do, they leak money. These leaks occur when investors become inattentive to the costs of investing, and by far, the highest costs are incurred on tax returns. Smart investors review their portfolios at least once per year. Portfolio reviews are generally performed in the fourth quarter of each year. This is because savvy investors consciously trigger taxable transactions to complement their overall tax strategies. Is your portfolio leaking money? more...

Further Retirement Savings Information...
Originally Posted on 10/7/2005 7:26:43 AMContent source: http://www.taxsavvyinvesting.com/display/displayfile3.asp?fileid=386

Relative Value of Investments

2005-10-07T03:34:00.000-07:00

This paper discusses the relative value of investments when they are selected based on maximizing after-tax return. The paper specifically looks at the difference in after-tax return of a taxable CD versus a tax-free muni bond. more...

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Originally Posted on 10/7/2005 3:34:08 AMContent source: http://www.taxsavvyinvesting.com/display/displayfile3.asp?fileid=360

Tax Harvesting: Lessons in Finance from Cinderella

2005-10-07T00:04:00.000-07:00

Suppose that someone offered you pay to clean up your portfolio. Would you do it? While Uncle Sam is a little easier than the fairy godmother, he's only giving you until midnight on December 31 to clean up your portfolio and take advantage of tax implications. But if you miss the deadline, don't expect anyone to come around and fit you for a glass slipper! Are you ready? more...

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Originally Posted on 10/7/2005 12:04:02 AMContent source: http://www.taxsavvyinvesting.com/display/displayfile3.asp?fileid=363

Strategies for Difficult Markets - Understanding Long Term

2005-10-06T15:47:00.000-07:00

This paper looks at the present market environment, addresses investor concerns and covers basic investing principles. The paper, written by Ziegler's chief investment officer, Brian Andrew, CFA, addresses current and historical perspective on the equity market, reasons for a better equity outlook, and the increasing role of corporate governance more...

Further Retirement Savings Information...
Originally Posted on 10/6/2005 3:47:30 PMContent source: http://www.taxsavvyinvesting.com/display/displayfile3.asp?fileid=390

Smart Money Still Favors Bonds: The hunt for yield continues

2005-10-05T21:50:00.000-07:00

For now investors are well served to focus on ways to increase fixed-income yield. This is a unique point in the economic cycle yet uncommon values still can be found in the bond market. Ziegler is uniquely positioned to point out these values. more...

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Originally Posted on 10/5/2005 9:50:17 PMContent source: http://www.taxsavvyinvesting.com/display/displayfile3.asp?fileid=387

Lessons Learned: Minimizing volatility and optimizing asset allocation

2005-10-05T15:53:00.000-07:00

Knowing that diversification is a key indicator to how a portfolio will stand up over time, it's important therefore, to study asset allocation and the three elements we believe make up an appropriately diversified portfolio. more...

Further Retirement Savings Information...
Originally Posted on 10/5/2005 3:53:06 PMContent source: http://www.taxsavvyinvesting.com/display/displayfile3.asp?fileid=364

Bond Laddering: A gift for income investors

2005-10-05T09:27:00.000-07:00

Bond Laddering provides the advantage of higher, more stable yields. Discover how Bond Laddering might be used to help you meet your Income Investing needs. more...

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Originally Posted on 10/5/2005 9:27:45 AMContent source: http://www.taxsavvyinvesting.com/display/displayfile3.asp?fileid=361

Unrated Bonds: Conventional Wisdom

2005-10-05T01:46:00.000-07:00

This white paper gives a primer on what bond ratings mean, why all bonds are not rated, and a case study in church bonds. Written by Ziegler's chief financial officer, Gary Engle, the paper compares the historic default rates of unrated taxable Ziegler church bonds to those of taxable bonds rated by Moody's Investor Services. "Investors who apply the premise that all unrated bonds are junk will miss investment opportunities" said Engle. more...

Further Retirement Savings Information...
Originally Posted on 10/5/2005 1:46:24 AMContent source: http://www.taxsavvyinvesting.com/display/displayfile3.asp?fileid=391

John McCabe's Web Guides: Financial Planning Tips: Money strategies

2005-10-04T17:49:00.000-07:00

Financial Planning Tips: Money strategies used by the rich

By T. L. Simon

(NC)-Some of you may recognize these wealth creation strategies. Others may anticipate a need for them soon. After all, the rich rarely get rich by accident.

"If you are a high net income earner or business owner-manager with a million dollars to invest, it must be done with shrewd and sound advice," says Gordon Berger, chairman and founder of The PanFinancial Group, industry specialists for high net worth investors.

"Our model is a simple pyramid process. With the integration of ground breaking financial concepts, the model creates unique and safe investment strategies. It maximizes future growth, minimizes the tax you pay, and it structures and plans your estate," Berger explained. Here is a sampling of the strategies used by the rich: more...

Further Retirement Savings Information...
Originally Posted on 10/4/2005 5:49:14 PMContent source: http://www.web-guides.com/archives/income_independence/financial_planning_tips_money_strategies.html

John McCabe's Web Guides: Paper Trading Commodity Futures

2005-10-04T00:50:00.000-07:00

Trading Commodity Futures Using Support and Resistance - Paper Trading

By Erich Senft

Setting Up a Paper Trading Account

Question:
I cannot trade with "real money" as yet; however, how do I go about setting up a paper trade account?

Answer:
You can paper trade various ways and it really does not require that you have anything more specialized than a notebook to track your trades and access to charts.

Begin by funding your paper trading account with the amount of money you think you will really begin with, whether it is $2000 or $20,000. I would suggest that you begin with no less than $5000 and $10,000 is even better. more...

Further Retirement Savings Information...
Originally Posted on 10/4/2005 12:50:11 AMContent source: http://www.web-guides.com/archives/income_independence/paper_trading_commodity_futures.html

John McCabe's Web Guides: Learn How Money Works Now

2005-10-03T18:08:00.000-07:00

It’s Not the Size of Your Bank Account

By Stephanie Yeh

You might think that if you win the lottery or get a huge raise, all your problems will be solved. Sounds logical, right? Well, it might sound logical, but it isn’t. Having a bigger bank account will not make all of your problems disappear. Why? Because money is nothing more than a giant magnifying glass. Any problems you have with money only get bigger when you have more of it. There are people who earn $150,000 a year who have huge money problems because they have never learned how money works.

So, if you are want to implement another top wealth creating habit in your life, learn how money works while your bank account is still modest. Deal with any out-of-control spending habits, plus any fear of loss, fear of risk and fear of money issues you might have. If you start small, you’ll be able to make a lot of mistakes without it costing a bundle. more...

Further Retirement Savings Information...
Originally Posted on 10/3/2005 6:08:39 PMContent source: http://www.web-guides.com/archives/income_independence/learn_how_money_works_now.html

John McCabe's Web Guides: Investing Pointers for Neophyte Investors

2005-10-03T12:50:00.000-07:00

Investing Pointers for Neophyte Investors

By Tim Gorman

If you know next to nothing, how do you go about the business of investing? The first thing you need to know about investing is, how much do you really know? If it's not much, then you will need to read extensively to educate yourself.

To become well-informed, you should read up on the basics. find out what a stock, a bond or a mutual fund is, and what the differences are between these three financial products and it's variables. Read books on financing and investing. Talk to savvy investors, watch video and live presentations. Once you understand the differences and the risks entailed investing in each particular vehicle, then you can move forward with confidence. more...

Further Retirement Savings Information...
Originally Posted on 10/3/2005 12:50:32 PMContent source: http://www.web-guides.com/archives/income_independence/investing_pointers_for_neophyte_investors.html

John McCabe's Web Guides: Rolling Your 401 K Retirement Plan

2005-10-03T05:56:00.000-07:00

Rolling Your 401 K: Contributory IRA vs. Rollover IRA

By Ulli G. Niemann

In an ideal world you would start your working career with a great company in your early 20s, steadily climb the corporate ladder, retire at age 65, and draw a sufficient income from your accumulated 401k account to live happily ever after.

Unfortunately, that’s not how the real world works. If you are like most people, you will change careers, or at least companies, several times. Each time, you'll be faced with the question of what to do with your accumulated 401k benefits. more...

Further Retirement Savings Information...
Originally Posted on 10/3/2005 5:56:05 AMContent source: http://www.web-guides.com/archives/income_independence/rolling_your_401_k_retirement_plan.html

John McCabe's Web Guides: Is An ARM Home Mortgage For You?

2005-10-02T20:31:00.000-07:00

Option ARM Mortgage Loan - Is This Really for You?

By Marc Sisk

What happened to the days of a 15 or 30 year fixed rate mortgage loan? Ultimately this is the safest and most popular mortgage loan product in our industry, but new mortgage products are hitting the market, and we in the mortgage business are using them to our advantage; ever heard the radio advertisement saying, “buy a $200K home for $643.28 per month; call XYZ Mortgage Company to apply”? The product used in this ad is called an Option ARM, and I feel it’s my duty as a mortgage professional to tell you what this product is in case you happen to meet up with that loan officer whose only concern is to make a fee, and not have your best interest in mind. more...

Further Retirement Savings Information...
Originally Posted on 10/2/2005 8:31:52 PMContent source: http://www.web-guides.com/archives/income_independence/is_an_arm_home_mortgage_for_you.html

John McCabe's Web Guides: Fast Tips to Sell Your Car For the Most Money

2005-10-02T12:28:00.000-07:00

3 Fast Tips on How To Sell Your Car for the Most

By Graeme Sprigge

Tip 1 - Pick your time.
If you can possibly help it, don't sell your car after Christmas, when no one has any money. Consider holiday periods: will the people be in town or away. Sometimes this can work in your favour because if people are not at work they have more time to look for cars, and they are usually cashed up with nothing to do. more...

Further Retirement Savings Information...
Originally Posted on 10/2/2005 12:28:21 PMContent source: http://www.web-guides.com/archives/income_independence/fast_tips_to_sell_your_car_for_the_most_money.html

John McCabe's Web Guides: How to Find an Investment Advisor

2005-10-02T05:45:00.000-07:00

How To Find An Investment Advisor

By Ulli G. Niemann

Do you think you need an Investment Advisor? Hold on before you answer because this is sort of a trick question. Also, I am definitely biased because I am an Investment Advisor. Nonetheless, I think I can assist you in looking at this issue in a way that will serve you.

Working with a fair number of investors over the last nearly 20 years, I have observed that while most are intelligent people, and many are fairly knowledgeable about the market, they are, as a group, not terribly successful with their investing.

Why should they be? More likely than not they have made their living doing something other than investing, so why would they think they can do what a professional does better than a professional? (After all, they go to professionals for health care or for car repairs when needed!) more...

Further Retirement Savings Information...
Originally Posted on 10/2/2005 5:45:28 AMContent source: http://www.web-guides.com/archives/income_independence/how_to_find_an_investment_advisor.html

John McCabe's Web Guides: Start Investing Online - Basic Tips

2005-10-01T21:49:00.000-07:00

How Do I Start Investing Online and What Are Some Basic Tips?

By Matt Clarkson

If you are new to investing online, don't put your entire life savings into an online account. Start with a smaller sum, which will be easier to handle and keep track of. Once you feel confident, you can then decide to add more money to your investing online account.

Once online, many investors tend to concentrate on stocks, specifically large-cap domestic stocks. While these stocks should make up part of your portfolio, they shouldn't be ALL of it! Take into account your time horizon and risk tolerance to develop a well-balanced portfolio of stocks, bonds, and cash. more...

Further Retirement Savings Information...
Originally Posted on 10/1/2005 9:49:08 PMContent source: http://www.web-guides.com/archives/income_independence/start_investing_online_basic_tips.html

John McCabe's Web Guides: Foreign Investing - US Investors Still Missing Out?

2005-10-01T12:32:00.000-07:00

By Duncan Ellis

Investors are still too slowly realizing what the academics have long pointed out –- adding foreign stocks to your portfolio will, over the long term, increase your returns and lower the overall risk of your portfolio.

US investors embracing foreign investing are both realists and optimists. They are optimistic that the chances of doing well are better if they have at least some of their hard-earned money invested in countries with higher growth rates than here. They can’t help but be realists when they see a new record high Trade Deficit for the US, almost monthly, as the figures are released by the Treasury. Until we get our fiscal and trade deficits under control, while short-term rallies are highly probable, no change in the long term weakness of the US dollar is likely for the foreseeable future. more...

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Originally Posted on 10/1/2005 12:32:57 PMContent source: http://www.web-guides.com/archives/income_independence/foreign_investing_us_investors_still_missing_out.html

Why Short-Term Savings? (The Motley Fool via Yahoo! News)

2005-10-01T06:46:00.000-07:00

Have you got an emergency fund in place? If you lose your job or suddenly face some large, unexpected expense, are you prepared? Are your short-term dollars invested in places where you'll earn as good a return as you can get? If you muttered "No" to any of the above questions, do yourself a favor and spend a little time in our Savings Center. more...

Further Retirement Savings Information...
Originally Posted on 10/1/2005 6:46:51 AMContent source: http://us.rd.yahoo.com/dailynews/rss/search/safe+long+term+investments/SIG=12kcm2ijj/*http%3A//news.yahoo.com/news?tmpl=story&u=/fool/20050906/bs_fool_fool/112602754809

There's Real Juice In CDs (BusinessWeek)

2005-09-30T22:54:00.000-07:00

With short-term rates rising, yields from certificates of deposit beat those of bonds more...

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Originally Posted on 9/30/2005 10:54:32 PMContent source: http://us.rd.yahoo.com/dailynews/rss/search/safe+long+term+investments/SIG=1294ef8a0/*http%3A//www.businessweek.com/magazine/content/05_37/b3950095_mz070.htm

Why Windfalls Make Us Worry (The Motley Fool)

2005-09-30T12:28:00.000-07:00

What at one moment seems like a wonderful opportunity often becomes tainted with guilt and confusion at its best, and sibling rivalry and financial paralysis at its worst. Dayana Yochim looks at why financial windfalls can be such a bummer. more...

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Originally Posted on 9/30/2005 12:28:29 PMContent source: http://us.rd.yahoo.com/dailynews/rss/search/safe+long+term+investments/SIG=123sjshtf/*http%3A//www.fool.com/news/commentary/2005/commentary05090609.htm

Prepare Financially For When Disaster Strikes (PR Web)

2005-09-30T03:36:00.000-07:00

'Guarding Your Wealth' is a nationally syndicated weekly personal finance column written by Jeffrey D. Voudrie, CFP. Mr. Voudrie is the President of Legacy Planning Group, a private wealth management firm that employs sophisticated proprietary strategies designed to protect and grow its clients' investments. Please visit our website, www.guardingyourwealth.com to read past articles in our more...

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Originally Posted on 9/30/2005 3:36:48 AMContent source: http://us.rd.yahoo.com/dailynews/rss/search/safe+long+term+investments/SIG=11rm8vhij/*http%3A//www.prweb.com/releases/2005/9/prwebxml279227.php

Understanding AMT

2005-09-29T19:51:00.000-07:00

Back in 1968, 155 wealthy Americans found a way to escape from paying income taxes. The following year, the Alternative Minimum Tax (AMT) was born. Today it affects millions. But why does a tax, originally intended to close the loophole on 155 of the wealthiest Americans, stand to affect nearly 17 million tax returns by 2010? more...

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Originally Posted on 9/29/2005 7:51:30 PMContent source: http://www.zieglerpersonalinvesting.com/display/displayfile3.asp?fileid=530

What is an Extendable Rate Adjustable Security (EXTRA)?

2005-09-29T12:06:00.000-07:00

Bond issues underwritten by Ziegler and sold through Ziegler Investment Services Group are occasionally structured to include "extendable" bonds. Ziegler's proprietary name for that type of security is Extendable Rate Adjustable Securities or (EXTRAS). Extendable Rate Adjustable Securities typically have a long-term maturity (20 to 30 years), but they feature an important difference from other fixed-rate bonds: The interest rate payable to bondholders can be adjusted to current market conditions at a predetermined time. more...

Further Retirement Savings Information...
Originally Posted on 9/29/2005 12:06:09 PMContent source: http://www.zieglerpersonalinvesting.com/display/displayfile3.asp?fileid=663

Savings Fitness: A Guide to Your Money and Your Financial Future

2005-09-29T08:41:00.000-07:00

Most of us know it is smart to save money for those big-ticket items we really want to buy - a new television or car or home. Yet you may not realize that probably the most expensive thing you will ever buy in your lifetime is your retirement. Savings Fitness: A Guide to Your Money and Your Financial Future starts you on the way to setting goals and putting your retirement high on the list of personal priorities. more...

Further Retirement Savings Information...
Originally Posted on 9/29/2005 8:41:50 AMContent source: http://www.zieglerpersonalinvesting.com/display/displayfile3.asp?fileid=659

Top 10 Ways to Beat the Clock and Prepare for Retirement

2005-09-29T04:45:00.000-07:00

Today, half of Americans guess when determining their retirement needs. Don't be one of them. Read these 10 tips and find out how you can save now and beat the retirement clock. more...

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Originally Posted on 9/29/2005 4:45:01 AMContent source: http://www.zieglerpersonalinvesting.com/display/displayfile3.asp?fileid=662

SEPs: What Small Businesses Need To Know

2005-09-28T21:15:00.000-07:00

Simplified Employee Pensions - known as SEPs - represent an easy, low-cost retirement plan option for employers. Instead of establishing a separate retirement plan, in a SEP the employer makes contributions to his or her own traditional Individual Retirement Account (IRA) and the IRAs of his or her employees, subject to certain percentages of pay and dollar limits. more...

Further Retirement Savings Information...
Originally Posted on 9/28/2005 9:15:47 PMContent source: http://www.zieglerpersonalinvesting.com/display/displayfile3.asp?fileid=661

Examples of Savings Instruments and Investments

2005-09-28T13:17:00.000-07:00

This handy document contains a table which describes various savings and investment instruments. Included is comparisons of risk, return, liquidity, and time frames for each instrument. more...

Further Retirement Savings Information...
Originally Posted on 9/28/2005 1:17:42 PMContent source: http://www.zieglerpersonalinvesting.com/display/displayfile3.asp?fileid=660

Planning Your Estate

2005-09-28T10:16:00.000-07:00

If you think that estate planning is only for the wealthy read on, you may be surprised. Estate planning is much more than just writing a will or designating a beneficiary for your life insurance. more...

Further Retirement Savings Information...
Originally Posted on 9/28/2005 10:16:28 AMContent source: http://www.zieglerpersonalinvesting.com/display/displayfile3.asp?fileid=658

Stock Losses got you down?

2005-09-28T01:00:00.000-07:00

For investors who've lost money in the stock market, the end of a long year is in sight and it's a good time to remember that you may be able to use your stock losses to reduce your tax bill. This article discusses how "realized" tax losses may be used to offset capital gains and/or lower your tax bill. more...

Further Retirement Savings Information...
Originally Posted on 9/28/2005 1:00:58 AMContent source: http://www.zieglerpersonalinvesting.com/display/displayfile3.asp?fileid=435

Get to Know Your Retirement Plan Options

2005-09-27T17:02:00.000-07:00

Learn about the different types of retirement plans and their benefits and savings in this article produced by the U. S. Department of Labor. more...

Further Retirement Savings Information...
Originally Posted on 9/27/2005 5:02:37 PMContent source: http://www.zieglerpersonalinvesting.com/display/displayfile3.asp?fileid=657

Establishing a Trust Fund

2005-09-27T10:28:00.000-07:00

People often associate trust funds only with the wealthy. But a trust fund actually can be an effective financial tool for many people in many circumstances. It's possible that a trust may be the answer to your estate planning needs. more...

Further Retirement Savings Information...
Originally Posted on 9/27/2005 10:28:24 AMContent source: http://www.zieglerpersonalinvesting.com/display/displayfile3.asp?fileid=656

Comparing Employer Retirement Plan Options

2005-09-27T05:46:00.000-07:00

Within this two page article you will find a chart outlining the advantages of each of the most popular types of IRA-based and defined contribution plans and an overview of a defined benefit plan. more...

Further Retirement Savings Information...
Originally Posted on 9/27/2005 5:46:53 AMContent source: http://www.zieglerpersonalinvesting.com/display/displayfile3.asp?fileid=654

Choosing A Retirement Solution for Your Small Business

2005-09-27T01:38:00.000-07:00

Starting a small business retirement savings plan can be easier than most business people think. What's more, there are a number of retirement programs that provide tax advantages to both employers and employees. This document is a joint publication of the U.S. Department of Labor's Pension and Welfare Benefits Administration (PWBA), the Internal Revenue Service, the U.S. Small Business Administration, and the U.S. Chamber of Commerce. more...

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Originally Posted on 9/27/2005 1:38:31 AMContent source: http://www.zieglerpersonalinvesting.com/display/displayfile3.asp?fileid=653

Building Financial Freedom

2005-09-26T22:02:00.000-07:00

This article developed by the Federal Citizen Information Center of the US GENERAL SERVICES ADMINISTRATION advises that the sooner you start planning for the future, the sooner you'll reap the rewards. Use this guide to help you build your financial freedom. more...

Further Retirement Savings Information...
Originally Posted on 9/26/2005 10:02:25 PMContent source: http://www.zieglerpersonalinvesting.com/display/displayfile3.asp?fileid=652

66 Easy Ways to Save Money Daily

2005-09-26T17:55:00.000-07:00

The CONSUMER LITERACY CONSORTIUM, a working group of representatives from federal and state government agencies, consumer groups, business organizations, and educational institutions, seeks to develop and disseminate essential messages to inform and educate consumers. They have developed this list of ways to save money on a daily basis. more...

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Originally Posted on 9/26/2005 5:55:09 PMContent source: http://www.zieglerpersonalinvesting.com/display/displayfile3.asp?fileid=651

5 Easy Ways to Save and Build Wealth

2005-09-26T00:23:00.000-07:00

This article was created for AMERICA SAVES, which is a national campaign involving hundreds of non-profit, government, and business organizations. Initiated by the non-profit Consumer Federation of America, the campaign seeks to persuade more Americans to save and build wealth effectively. Here are 5 key savings strategies to explore. more...

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Originally Posted on 9/26/2005 12:23:02 AMContent source: http://www.zieglerpersonalinvesting.com/display/displayfile3.asp?fileid=650

The Decline of Organized Labor

2005-09-25T16:54:00.000-07:00

On this Labor Day, commentator Clarence Page can't help but notice that organized labor isn't the force it used to be. Page is a Washington-based syndicated columnist for The Chicago Tribune. more...

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Originally Posted on 9/25/2005 4:54:50 PMContent source: http://www.npr.org/templates/story/story.php?storyId=4832895&ft=1&f=1006

Retirement Planning: The New Retirement

2005-09-25T13:34:00.000-07:00

And now for something completely different: As baby boomers approach retirement, they're redefining the meaning of the word. more...

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Originally Posted on 9/25/2005 1:34:39 PMContent source: http://www.feed24.com/go?item_id=10483215

How retirees find fulfillment

2005-09-25T08:11:00.000-07:00

My two recent articles on planning your retirement and finding fulfillment prompted several ''real life'' responses. more...

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Originally Posted on 9/25/2005 8:11:24 AMContent source: http://www.feed24.com/go?item_id=10355445

Retirement, Monte Carlo style

2005-09-24T23:47:00.000-07:00

For those Americans who are clueless about planning for retirement -- and there are lots of them -- Terry Savage has come to the rescue. more...

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Originally Posted on 9/24/2005 11:47:44 PMContent source: http://www.feed24.com/go?item_id=10351999

Long-Range Money Plans with Ben Stein

2005-09-24T19:22:00.000-07:00

How much are you saving for retirement? How much should you be saving for retirement? And why is Ben Stein worried? David Gardner does some retirement planning with actor, author, and economist Ben Stein. more...

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Originally Posted on 9/24/2005 7:22:15 PMContent source: http://www.feed24.com/go?item_id=10328089

Retirement: Enjoying it and planning for it

2005-09-24T08:26:00.000-07:00

Allen Abrams, a retired Sgt. Maj. from the U.S. Army, runs the Hot Dog Stand in the Southland Mall. more...

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Originally Posted on 9/24/2005 8:26:05 AMContent source: http://www.feed24.com/go?item_id=10237625

Your money: Factors to consider for retirement planning change over time (Tri-State Neighbor)

2005-09-23T18:38:00.000-07:00

By Michael Baron, Great Plains Diversified Services Inc., Bismarck, N.D. Dear Michael: We are nearing age 65 and are considering retirement. We have retirement money invested in the market, some farmland, quite a bit of machinery and a son who is farming. more...

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Originally Posted on 9/23/2005 6:38:35 PMContent source: http://us.rd.yahoo.com/dailynews/rss/search/retirement+planning/SIG=130bt2eot/*http%3A//www.tristateneighbor.com/articles/2005/09/06/tri_state_news/country_living/news91.txt

Congress Talks Retirement Overhauls (Hartford Courant)

2005-09-23T14:53:00.000-07:00

Thought you knew how to handle your tax and retirement planning? You may have to rethink things soon. Congress is considering major overhauls this fall of tax and retirement policies, as well as of the student loan program. more...

Further Retirement Savings Information...
Originally Posted on 9/23/2005 2:53:17 PMContent source: http://us.rd.yahoo.com/dailynews/rss/search/retirement+planning/SIG=12burj88b/*http%3A//www.courant.com/business/ny-bzcov0904,0,3670980.story?&track=rss

5 great tips to save for retirement (Rediff.com)

2005-09-23T09:44:00.000-07:00

A little planning can help you retire comfortably. more...

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Originally Posted on 9/23/2005 9:44:08 AMContent source: http://us.rd.yahoo.com/dailynews/rss/search/retirement+planning/SIG=131n6t8v6/*http%3A//www.rediff.com/rss/redirect.php?url=http://www.rediff.com/money/2005/sep/06perfin2.htm

New Ameriprise Retirement Services Survey Finds Financial Stress Still a Factor This 401(k) Day, Despite a Stronger (Business Wire via Yahoo! Finance)

2005-09-23T04:36:00.000-07:00

Ameriprise Retirement Services today released results from a 2005 National Survey on Financial Stress and Individual Plan Health comparing the current findings with results from the same survey conducted in 2004 and 2002. more...

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Originally Posted on 9/23/2005 4:36:31 AMContent source: http://us.rd.yahoo.com/dailynews/rss/search/retirement+planning/SIG=11iofu4gr/*http%3A//biz.yahoo.com/bw/050906/65171.html?.v=1

Santa Rosa may be home to gay and lesbian retirement community (North County Times)

2005-09-22T20:29:00.000-07:00

SANTA ROSA, Calif. (AP) -- An exclusive Santa Rosa neighborhood may soon be home to a retirement community exclusively for gays and lesbians. more...

Further Retirement Savings Information...
Originally Posted on 9/22/2005 8:29:17 PMContent source: http://us.rd.yahoo.com/dailynews/rss/search/retirement+planning/SIG=128308k1g/*http%3A//www.nctimes.com/articles/2005/09/06/news/state/9505185801.txt

FPA members call for Social Security reform now (Westchester County Business Journal)

2005-09-22T11:40:00.000-07:00

Financial planners overwhelmingly agree that reform of Social Security is needed now to avoid future insolvency in the federal retirement trust fund, according to a survey recently conducted by the Financial Planning Association. more...

Further Retirement Savings Information...
Originally Posted on 9/22/2005 11:40:07 AMContent source: http://us.rd.yahoo.com/dailynews/rss/search/retirement+planning/SIG=12kd3k3dd/*http%3A//www.westchestercountybusinessjournal.com/current_issue//090505wfoc06.html

Santa Rosa may be home to gay and lesbian retirement community (KESQ)

2005-09-22T00:42:00.000-07:00

SANTA ROSA, Calif. An exclusive Santa Rosa neighborhood may soon be home to a retirement community exclusively for gays and lesbians. The Oaks at Fountaingrove would offer couples and singles over 65 a place to live out their senior years with varying levels of medical support. more...

Further Retirement Savings Information...
Originally Posted on 9/22/2005 12:42:58 AMContent source: http://us.rd.yahoo.com/dailynews/rss/search/retirement+planning/SIG=11i8sd7os/*http%3A//www.kesq.com/Global/story.asp?S=3808544

www.delawareonline.com ¦ The News Journal ¦ Calculating retirement isn't easy (Delaware Online)

2005-09-21T14:19:00.000-07:00

Philip Sears is optimistic that he will be financially able to retire from his environmental consulting job in three or four years. Sears and his wife are saving about a third of their incomes, much of it through payroll contributions into workplace retirement plans. more...

Further Retirement Savings Information...
Originally Posted on 9/21/2005 2:19:53 PMContent source: http://us.rd.yahoo.com/dailynews/rss/search/retirement+planning/SIG=12tjphtci/*http%3A//www.delawareonline.com/apps/pbcs.dll/article?AID=/20050905/BUSINESS/509050311/1003

It's not too early to plan '05 taxes (Detroit News)

2005-09-21T04:53:00.000-07:00

This time of year, the last thing you'd expect to find is a column about tax planning. Which is why I wrote one now because most people do their planning at the wrong time (if they plan at all, that is). more...

Further Retirement Savings Information...
Originally Posted on 9/21/2005 4:53:17 AMContent source: http://us.rd.yahoo.com/dailynews/rss/search/retirement+planning/SIG=11sl5fqp8/*http%3A//www.detnews.com/2005/money/0509/07/C03-304243.htm

Personal Finance Daily -- Sept. 6

2005-09-20T18:48:00.000-07:00

Roth IRAs provide a beneficial reversal of traditional retirement-savings plans in which your contributions are not taxed but your withdrawals are, instead forcing you to put in aftertax dollars but allowing you to grow your nest egg and take out your funds without paying any additional tax. more...

Further Retirement Savings Information...
Originally Posted on 9/20/2005 6:48:59 PMContent source: http://www.marketwatch.com/enf/rss.asp?guid=%7B8369A69A-982D-4180-B0B6-542699BBFE3E%7D&dist=rss&siteid=mktw

Beware of hurricane related scams

2005-09-20T14:37:00.000-07:00

NEW YORK (MarketWatch) -- The North American Securities Administrators Association (NASAA) is warning investors to beware of opportunistic investment scams born in the wake of Hurricane Katrina. more...

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Originally Posted on 9/20/2005 2:37:50 PMContent source: http://www.marketwatch.com/enf/rss.asp?guid=%7BDA2596A9-0195-49FE-BD11-3F010AE83A3E%7D&dist=rss&siteid=mktw

Choosing When to Retire? -- 'Retire Early? Make the Smart Choices' Reviews Options

2005-09-20T04:26:00.000-07:00

Excerpt: "You won't find the answer to the question of when to retire in Steven Silbiger's Retire Early? You might, however, find yourself thinking about the prospect of retiring, particularly if you're looking ahead to age 62 -- and this book can be a place to start. Silbiger says age 62 is when 56% of retirees begin collecting Social Security. That might not be in their best interest." (USA TODAY) more...

Further Retirement Savings Information...
Originally Posted on 9/20/2005 4:26:30 AMContent source: http://www.usatoday.com/money/books/reviews/2005-09-05-retire-early_x.htm

Commentary: Changing Times for Worker Benefits

2005-09-19T21:30:00.000-07:00

Excerpt: "The typical employment relationship has four main components: work, pay, health insurance and retirement security. The first two components are easy to understand. They're the foundation of the relationship." (The Denver Post) more...

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Originally Posted on 9/19/2005 9:30:14 PMContent source: http://www.denverpost.com/guestcommentary/ci_2993913

PBGC to Replace Benefit Checks Lost Due to Katrina

2005-09-19T14:21:00.000-07:00

Excerpt: "The Pension Benefit Guaranty Corporation (PBGC) is offering next day direct deposit of benefits missed due to Hurricane Katrina. .... Those who still wish to receive a paper check can call the contact center with a new or temporary address or can e-mail the address to mypension@pbgc.gov. Replacement checks should arrive at the new address within six days, according to the release." (PLANSPONSOR.com: one-time registration required) more...

Further Retirement Savings Information...
Originally Posted on 9/19/2005 2:21:02 PMContent source: http://www.plansponsor.com/pi_type10/?RECORD_ID=30660

Participant Retirement Statements Get Facelift to Boost Deferrals

2005-09-19T06:55:00.000-07:00

Excerpt: "Paper retirement statements seem a low-tech way to increase participation in 401(k) plans when compared with online advice, automatic enrollment and managed accounts. But employers who take the time to personalize these quarterly documents find it encourages participants to increase their deferral rates, plan providers say." (Employee Benefit News) more...

Further Retirement Savings Information...
Originally Posted on 9/19/2005 6:55:00 AMContent source: http://www.benefitnews.com/retire/detail.cfm?id=7974

Survey of Defined Contribution Plan Participant Statements 2005 (PDF)

2005-09-19T06:54:00.000-07:00

13 pages. Excerpt: "PSCA collected data on defined contribution plan participant statements from 433 companies. Respondent companies spanned a wide range of sizes, industries, and geographic locations. In general, plan sponsors appear to be fairly satisfied with their statements. Detailed information about their responses is provided [at the target page]." (Profit Sharing/401(k) Council of America) more...

Further Retirement Savings Information...
Originally Posted on 9/19/2005 6:54:30 AMContent source: http://www.psca.org/PDFS/statementsurvey.pdf

Audio: Retirement Income -- Those Who Save Are Ahead

2005-09-18T10:39:00.000-07:00

Excerpt: "Robert Siegel talks with Dallas Salisbury, president and CEO of the Employee Benefit Research Institute, about retirement planning in the United States." (All Things Considered via National Public Radio) more...

Further Retirement Savings Information...
Originally Posted on 9/18/2005 10:39:13 AMContent source: http://www.npr.org/templates/story/story.php?storyId=4826753

A Guide to Protecting Your Benefits When Leaving Your Job

2005-09-17T21:26:00.000-07:00

Excerpt: "[W]hile finding new employment may be getting easier, making the switch to a new employer is increasingly complicated. With changes in tax laws and a growing selection of benefits to keep track of (such as flexible spending and health-savings accounts), it's become just as critical to have a job-exit strategy as a job-hunting plan." (The Wall Street Journal via Pittsburgh Post-Gazette) more...

Further Retirement Savings Information...
Originally Posted on 9/17/2005 9:26:44 PMContent source: http://www.post-gazette.com/pg/05243/563076.stm

After Labor Day, Celebrate 401(k) Day with a Superhero Action Figure -- Captain 401(k)

2005-09-17T13:54:00.000-07:00

Excerpt: "You may not have heard about it, but the day after Labor Day is another important event -- 401(k) Day. It's largely a symbolic holiday that can take place any time of the year, designed by the financial industry to raise our consciousness about retirement savings. In preparation for this event, the Profit Sharing/401(k) Council of America, or PSCA, created a superhero action figure -- Captain 401(k) -- whose mission is to combat his arch nemesis, the savings procrastinator." (Bankrate.com) more...

Further Retirement Savings Information...
Originally Posted on 9/17/2005 1:54:39 PMContent source: http://www.bankrate.com/brm/news/boomerbucks/20050831a1.asp