List of Articles concerning Social Security & Retirement

Roth IRA - Super charge your retirement?

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Roth 401K - New for 2006 - what is it?

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Inheriting an IRA - Maybe not  tax free??

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  • Roth IRA for retirement
    Whats a Roth IRA? And is this the best retirement plan for you? Well, so long as you qualify for a Roth IRA plan, it is probably the best bet because of its flexibility. But as with other plans, the government...
  • Could a Roth IRA be Better Than a 401(k)?
    Very few people whom I know are familiar with the benefits of the Roth IRA. It was named for the late Senator William Roth of Rhode Island, who proposed it. It is similar to a traditional IRA except contributions...
  • New Ira Rules Help Retirees And Seniors
    Under the Pension Protection Act of 2006, there are some new items beneficial to IRA owners that the average IRA owner will miss:First, if you leave your employer and you had a tax sheltered annuity (typically...
  • Tax Tips for Early Retirees
    No matter how you got here, congratulations, youve decided to take early retirement. Setting yourself up to live life as you see fit is one of the American Dreams. A serious problem with retiring early...
  • Retirement Plans for Solo Entrepreneurs
    Copyright 2006 Kristine McKinleySaving for retirement is even more important for solo-entrepreneurs because you dont have a company sponsored pension plan or matching 401K contributions to rely on. There...
  • How IRAs work
    Are you taking advantage of individual retirement account (IRA) opportunities? IRAs can be frustrating because of the different forms and reports, difficult or confusing IRA rules. Successful retirement...
  • Commercial Real Estate Loans
    Commercial properties of all kinds can be held within an IRA if it is structured correctly. This includes everything from small gas stations to larger strip complexes, mini-malls to mega-malls, and industrial...
  • For Entrepreneurs A Simple IRA May Be Best
    Q: I own a small decorating business and Ill be the first to admit that I dont know anything about taxes or retirement plans. Id like to set up a 401(k) or an IRA or some other kind of retirement plan...
  • Should I Convert to a Roth IRA?
    Should I Convert to a Roth IRA?This is a perplexing question many investors are asking themselves in the wake of all the new tax laws. If the opportunity is available, should an individual take a distribution...
  • 401K or Roth IRA - Which is Better?
    Q: I am trying to decide if opening and contributing to a Roth IRA would be a better option than contributing over and above what my company matches in my 401K.A: Ideally, its best to max out both your...
  • Your IRA and Your Retirement
    Everyone dreams of a comfortable retirement where you finally get to do all those things you never had time for but not everyone knows how to plan financially for it. One of the most popular ways of saving...
  • Important IRA Changes for 2006
    2006 is a little more than half way over but we have already seen some major changes in the IRA rules. This article will summarize two of these changes and what they mean to you.Income Limit for Roth IRA...
  • Individual Retirement Arrangement
    An IRA or Individual Retirement Account is an account regarding a plan to retire, which provides certain tax advantages.The Individual Retirement Account as most people call it is legally known as the...
  • Traditional IRAs: Still A Good Idea for 2006
    Traditional IRAs: Still A Good Idea for 2006Mark Twain once said, "The rumors of my death have been greatly exaggerated." Like Mr. Twains rumored demise, the notion that the traditional Individual Retirement...
  • Early Redemption Penalties - What Are They?
    These days, more and more attention is being paid to APRs when people are shopping around for loans. This is not surprising as the very reason the APR was introduced was provide a standard figure that...
  • Concerned You Will Not Retire In Comfort?
    Traditionally people have considered their retirement 401Ks and IRAs to be like safety nets rather than wealth builders. However, with the self directed IRA, you need not be satisfied with growth rates...
  • A Roth IRA, Is It For You?
    Roth IRAs are some of the most sought after investments. But, why? What are they? Why should you invest in them? For many people, the investment world is somewhat of a mystery. We just do not know what...
  • The SIMPLE Way to Save For Retirement
    The SIMPLE Way to Save For Retirement A relative newcomer to the retirement plan market, the SIMPLE IRA can be a cost-effective retirement planning alternative for small employers and their employees....
  • Convert To Roth IRA Regardless of Income - 2010
    An odd quirk in the recent legislation to extend the Bush Tax Cuts is giving IRA holders a huge break. For one year, and one year only, the income cap will be gone. Convert To Roth IRA Regardless of Income...
  • Rolling your 401k: Contributory IRA vs. Rollover IRA
    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...
  • Early Retirement: What You Should Know
    For many reasons, more and more people are opting to retire at an early age. The growing trend for the retirement is based on the fact that people are enticed to retire early than continue working and...
  • WHAT IS A TRADITIONAL IRA?
    With a traditional Investment Retirement Account (IRA) you pay taxes when you take the money out at retirement in the future. Make sure that this account is really worth opening in your situation because...
  • Self Directed Ira with Checkbook Control
    Is a sideways stock market and bad investment decisions preventing you from building wealth in your retirement account? If so, you might be interested in a small, but growing, trend among smart and savvy...
  • Real Estate Options for Retirement Funds
    With your retirement funds it is possible to invest in real estate, mortgages, private notes, structured settlements, factoring, hard money lending, franchise, natural gas investments, golf courses, joint...
  • Early Distributions
    You must include early distributions of taxable amounts from your traditional IRA in your gross income. Early distributions are also subject to an additional 10% tax, as discussed later. Early distributions...
  • Roth Ira Distributions At Death: Pitfalls To Avoid
    One of the most attractive features of a Roth IRA is the ability to control the timing of the eventual required distributions. However, this ability mandates the withdrawals to be made within a prescribed...
  • IRA Beneficiary Planning Strategies
    Heres an estate-planning technique that allows you to lower the tax sting to your heirs, and that reduces your retirement income in case you dont think you will need all of your Individual Retirement...
  • How To Purchase Real Estate Through An IRA
    Buying real estate through an IRA can be a good option, for those uninterested in investing in the stock market. When considering using an IRA to invest in real estate, you have the option of houses, raw...
  • Consider Early Retirement Carefully
    Most people, even if they love their jobs, perk up at the thought of early retirement. They can quickly come up with a list of many reasons why they would be crazy not to take an early retirement if it...
  • Benefiting Substantially From Your IRA Early
    Benefiting Substantially From Your IRA EarlyIf you own an Individual Retirement Account (IRA), the primary purpose is to accumulate assets to provide an income source during retirement. In the accumulation...
  • You're Roth IRA Withdrawal
    The Roth IRA was born on January 1, 1998 as a result of the Taxpayer Relief Act of 1997. Its named after former Senator William V. Roth, Jr. The Roth IRA provides no deduction for contributions, but instead...
  • SEP IRA - For Last Minute Tax Deductions
    The SEP IRA is one of the few remaining methods for small business owners to cut their taxes for the 2002 tax year. Virginia - February 24, 2003 - The SEP IRA is one of the few remaining methods for small...
  • Roth IRAs: Test Your Knowledge
    How well do you know Roth IRAs? Here are five tough questions. Lets see how you do...1. I am 72 years young and still working. Can I set up a Roth IRA?Yes. Unlike a traditional IRA, which does not allow...
  • What Roth Hath, Traditional Hath Not
    What Roth Hath, Traditional Hath NotThe Taxpayer Relief Act of 1997 introduced a new Individual Retirement Account (IRA) called the Roth IRA. The primary inducement to make contributions to the new Roth...
  • Everyone Can Relax and "Stretchout"
    Everyone Can Relax and "Stretchout" Over the last several years, we have read and heard much about the "stretchout" IRA. Many IRA holders have painstakingly learned about the extreme complexities of Required...
  • The Four Stages of an IRA
    Copyright 2006 Damon CliffordWith all these different names and terms being thrown around in the financial community, it can get very confusing on what something is, and what it is not. How many times...
  • A Guide to IRA Accounts
    An Individual Retirement Account (or IRA) is a retirement plan account that provides some tax advantages for retirement savings. There are a number of different types of IRA accounts, some being employer...
  • Early Retirees Pave the Way for Others to Retire Young
    If high stress and long hours on the job are something you could live without, then pick up the March 2004 issue of Kiplingers Personal Finance magazine and read “Get Out Early” by Catherine Siskos. Featured...
  • The Secret To Creating Wealth: The Real Estate IRA
    Would you like to buy and sell real estate without paying taxes? Do you want to know the secret to creating true wealth? The fact is that the wealthy often pay less in taxes because they have tax shelters...
  • You Can Do What With Your IRA!?
    Copyright 2006 Damon CliffordEveryone knows you can invest in stocks, bonds, and mutual funds with your IRA. About 97% of the trillions of dollars of IRA funds are invested in these types of assets. Did...
  • Who Should Be the Beneficiary of Your IRA?
    You have a number of choices when it comes to selecting a beneficiary (or beneficiaries) for your IRA. Some are appropriate. Some are mistakes and can lead to delays and expenses in getting the funds to...
  • Saving for Retirement: IRA vs. 401(k)
    Retirement was simpler when all you had to do was put in your time at work, retire and collect your check. Between the company pension and Social Security, most retirees figured they had it made. And if...
  • Rollovers to IRAs - Rules, Tips and Cautions
    Rollovers can be a confusing subject. This is because rollovers can come from qualified plans, tax sheltered annuities, eligible Section 457 government plans and the five types of IRAs.Here, I will focus...
  • Dividing IRA Assets Upon Divorce
    DIVIDING IRA ASSETS UPON DIVORCEFor many families, a significant portion of their wealth may be located within the couples individual retirement accounts (IRAs). Should the family unit break down, it...
  • Retirement IRA Fund Options - The Whole Truth?
    Did you know that it was possible to use your IRA retirement funds to invest in investments other than stocks, shares and mutual funds? Did you know that, in fact, any legitimate business investment opportunity...
  • How safe is your retirement plan?
    How safe is your retirement plan?As you plan for retirement, you may count on an employer sponsored "qualified" retirement plan such as a pension plan, profit sharing plan, or 401(k). Or perhaps you are...
  • The IRA Owned LLC, a Great Tool for Investing
    "So many investors are tired of watching their retirement accounts dwindle away from the lackluster performance of the stock market, while the value of their home and surrounding areas increase in the...
  • Retirement Accounts & Early Retirement
    Early Retirement: What You Should KnowFor many reasons, more and more people are opting to retire at an early age. The growing trend for the retirement is based on the fact that people are enticed to retire...
  • IRA Catch Up Limits Help Baby Boomers
    If you fall into the Baby Boomer generation, having been born between 1946 and 1964, this 3rd stage of life, retirement, is right in front of you. Keep in mind, that potentially, this is the longest stage...
  • Best IRA CD Rates
    Did you know that IRAs can hold CDs (Certificates of Deposit)? If you are nearing retirement and are tired of fretting over your nest egg, your best and safest return may be with a federally insured bank...
  • Your Dreams Capitalized; IRA Power
    What are your dreams? What is your focus? You can not travel where you can not "see" the road. Do you long for a beach condo? The chance to travel? A private cabin in the mountains? Please allow yourself...
  • Should You Consider A Self Directed IRA?
    There are plenty of people who do not take advantage of an IRA, but could. An IRA is a tool used for retirement investing. An IRA could mean two things, it could be an Individual Retirement Account or...
  • 5 Simple Steps: Earn an EASY ROTH IRA MILLION!!!
    5 Simple Steps: How To Earn An Easy Million Through a ROTH IRA!by Tom LevineSo, you wanna earn a million dollars, super-duper easy? How would you like the federal government to give you a big, huge tax...
  • Take an IRA Paid Vacation
    Imagine having the freedom to use retirement funds without being penalized by a 10% early distribution fee. With this money, you could start the business you have always dreamed of having. You could even...
  • Ask the Tax Pro: IRA Basics
    QUESTION: I got to thinking about IRAs. I think this is how it works- Traditional IRA contributions are from dollars not taxed. Distributions from this type IRA are then taxed upon withdrawal. ROTH IRA...
  • Get more out of your Retirement and IRA
    Did you know there is approximately 10 trillion dollars tied up in IRAs and only 3% of those dollars are self directed in a manner which allows them to purchase non-alternative assets such as real estate...
  • Frequently Asked Questions of Self Directed IRA's
    1) What is ERISA?The Employee Retirement Income Security Act (ERISA) passed the responsibility of retirement savings from the employer to the employee. IRAs were created in 1975 to provide individuals...
  • Financial firms try to lure tax refunds
    Financial firms are stepping up their efforts to capture money from tax refunds, hoping to capitalize on a new option that lets you have the IRS directly deposit your refund in up to three accounts. Citibank,...
  • Roth IRA Contributions
    Confused about whether you can contribute to a Roth IRA? Try using these simple rules:IncomeTo contribute to a Roth IRA, you must have compensation (e.g., wages, salary, tips, professional fees, bonuses)....
  • Early Distributions From Retirement Plans
    An early distribution from an Individual Retirement Arrangement (IRA) or a qualified retirement plan need not be a "taxing" experience. Fortunately, there are exceptions to early distributions. Any payment...
  • Which IRA Is Best For You?
    An Ira is one of the greatest ways to save on taxes currently and accumulate money for the future.For individuals three types of IRAs will normally come under consideration.The Traditional or Regular...
  • Roth IRA or 401K - Which is Better?
    Q: I am trying to decide if opening and contributing to a Roth IRA would be a better option than contributing over and above what my company matches in my 401K.A: Ideally, its best to max out both your...
  • Secure Your Retirement with a Rollover IRA
    Switching your job? Retiring? Congratulations! A window of opportunity opens for you with the Rollover Individual Retirement Account or Rollover IRA.In an era of corporate restructuring and outsourcing,...
  • Individual Retirement Accounts Explained
    Individual Retirement Arrangement

    An IRA or Individual Retirement Account is an account regarding a plan to retire, which provides certain tax advantages.
    The Individual Retirement Account as most people...
  • A Big Tax Loophole Just Got Bigger
    Believe it or not, there are ways to convert taxable incomeinto non-taxable income, without any fear of an IRS audit.Heres one of my favorites. Its been part of our belovedtax code for over 30 years,...


 

 

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