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Best retirement plans for small biz
Good retirement plans aren't just a luxury for corporate folks. Money Magazine's Walter Updegrave walks us through four retirement plans designed to help small business owners and workers.
Просмотров: 40 CNN Business
Clip of The Best Retirement Plan
Просмотров: 88 Carl Barber
Companies: The Insured Retirement Plan
A better retirement plan for companies.
Просмотров: 490 betterretirementplan
Medical Insurance: The simple guide for Malaysians
http://KCLau.com There are two types of medical insurance coverage. The first one covers 36 critical illnesses. The second type covers hospitalization and surgical benefits, which is commonly known as medical card or health card. In this video, I explained the differences and how you can plan to get covered with medical insurance.
Просмотров: 12060 KCLau Money
Sutter Health Provides Generous Pension Plan
Providing quality care for patients starts with taking good care of our nurses and employees. Providing a generous pension is one way Sutter Health supports our network employees.
Просмотров: 1820 Sutter Health
Military Retirement Calculator - How To Control Your Money Now
http://www.retireearly.psl91.com People who serve in the military that are planning their retirement may use the military retirement calculator. This is a helpful tool to get you the right information so you can save now. Learn what you need to start saving now for your retirement and be ahead of the game.
Просмотров: 2010 tfreers
Is a 401k Enough For a Successful Retirement (GoodFinancialCents.com)
http://www.goodfinancialcents.com/401k-rollover-to-ira-best-strategy-retirement-account-consolidation/ Do you wonder if investing in your 401k will be enough for your retirement? If not, you should be. This is Jeff Rose from goodfinancialcents.com. Today I am going to talk a little bit about a common question that I get quite frequently. This question is that Jeff I have a 401k, is that enough? Is it enough to have a successful retirement? It is a very good question because a lot of people wonder about, am I saving enough? Am I putting enough away to make sure I get enough to retire when I want to retire and is the 401k only thing that we need to get us by? And I would say that generally speaking that answer is no. As far as my reasoning and logic behind that is this. For one reason, most people that do have a 401 k, most of you are not [maxing] it out. This is from my personal experience. So are you putting in 16500 per year in that 401k? If you are, you definitely have a [fighting ] chance and if not then most likely the 401k is not going to be enough. And if you have a good company that has a good [match] at top of that, obviously it will make it better. For those who are not putting the maximum amount in and not having good and favorable [match] from your employer then you definitely have to consider other means and sources of savings. In over and above, you can obviously choose between traditional or Roth IRA. Both of those are excellent tools to complement the 401k and specially if you are doing the Roth IRA and you are doing the regular 401k that gives you pre tax money and after tax money. So both those together, I think that are a good compliment. I know for me personally. I am business owner so I have a set IRA which [is kind like] my 401k and over above that I have been able to do Roth IRA and I have been able to do Roth IRA conversion. So I have got some pre tax money and after tax money as well. So I think that those both really work together. So between the two, having a good 401k, having a Roth IRA traditional IRA, just give you another bucket to choose from. Me personally, I am not really counting on security being there for me. If it is there, it will come at a later date, may be 70 when I can get it and maybe I get a reduced amount. Do not take it for sure rather plan on it for not being there, and utilizing 401k and Roth IRA as an alternate or replacement for that. Between those two, another thing I would add is saving account and investment account, utilizing other investment savings tools to have that for you at retirement. So to answer a quick question, if you have a 401k and is that enough? I will probably say no. Make sure that you are utilizing all the other tools. For me, I like having three buckets approach. If you got a 401k, Roth IRA it is another source of retirement income that could be a saving accounts or investment account. At least have three buckets, so you can always have choices when it comes to the retirement. One bucker dump's over is depleted; you have got other buckets to choose from. So that was my advice to you. If you have any questions, feel free to email me, contact me on the blog.
Просмотров: 1451 Wealth Hacker - Jeff Rose
Index Universal Life VS. 401k
Why Tax Free Retirement is so important
Просмотров: 35965 Dan Nozaki
The Best Retirement Calculator
In order to prepare for our later years, it's helpful to run some numbers. How much will you need for your retirement? Are you on track? This video from personal finance author/speaker Matt Bell of http://www.mattaboutmoney.com, reviews one of the easiest free online calculators available - Fidelity's myPlan Snapshot.
Просмотров: 6336 MattAboutMoney
Why SEP or SIMPLE IRAs are Hassle-free Retirement Plans
Learn why SEP and SIMPLE IRA plans are for business owners like you who want an inexpensive, hassle-free way to plan for retirement for you and your employees.
Просмотров: 9762 IRSvideos
Are you worried about retirement?
New poll finds 44% of "Baby Boomers" are worried about retirement. 1 in 4 say they may never retire
Просмотров: 45 ABC15 Arizona
Baby Boomer Retirement- Retirement Baby Boomer
http://www.Baby-Boomer.TV Video Baby Boomer retirement failure? What is a good Baby Boomer Retirement plan? Baby Boomer Retirement needs help. What is Baby Boomer Retirement?
Просмотров: 161 BabyBoomersTV1
Thailand Costs of Medical and Dental Procedures
Exclusive RetireCheap.Asia membership site - all the REAL life details you need to live in Thailand plus connect with other like minded people at: https://goo.gl/M0nMT5 Most Westerners have shelved the idea of getting medical work done unless they are wheeled into an Emergency room. Unless someone has insurance, that's not many now, they just forgo the procedure and suffer the consequences. But if you live in a place like Thailand or want to live there you can get some major medical procedures done without giving up an arm and a leg in the process. And if you are wondering whether a life in Southeast Asia is a good retirement plan, coming over for a surgery or butt lift will save so much money that the trip becomes a free bonus. Check out these prices. Please become a friend or subscribe to this channel and you if can, link back to my website I'd appreciate it. For more videos, books on retiring abroad and a Retirement Budget Calculator go check out http://retirecheap.asia #retirecheapjc #alwaysanoption #morelifeforlessmoney
Просмотров: 14807 retirecheapjc
16. How Doctors make Money, LOTS OF IT!!!
a short little skit about doctors, pharmacists, and drug dealers.
Просмотров: 687 MacroJumping
Personal Finance: Plan Ahead for Your Retirement
http://EverythingFinanceBlog.COM: With the threat to future retirees of social security funds being exhausted in 2036, we all need to start preparing now for our retirement ourselves. It is a frightening thought, having to take more money out of our checks every week just so we can save for after we retire. Read More: http://everythingfinanceblog.com/2011/05/plan-ahead-for-your-retirement.html
Просмотров: 3545 Tushar Mathur
Physician Home Loans
Visit http://physicianhomeloans.org for Personalized Service and some of the Best Physician Home Loans Available Today!
Просмотров: 349 PhysicianHomeLoans
Silence of love (Official English Subtitle) TVC Thai Life Insurance
Remember to care for those who care for you. Thai Life Insurance (Thailand) www.thailife.com
Просмотров: 6308565 thailifechannel
Can I Roll Over My 401K or IRA into the Index Universal Life Strategy
Harry Bissinger & Bob Seckinger, Financial Planners, answer "Can I roll my existing retirement funds into the Indexed Universal Life Plan?"
Просмотров: 5635 RetirementTaxFree
Be in the Top 5% in Internet Network Marketing..
http://www.drrickfraser.com/ Why are only 5% making money with Internet Network marketing and the 95% failing?Learn what this Doctor shares with you to bring you success in MLM.
Просмотров: 2409 Moses Fraser
6Minutes Online Video: Medical registration and semi-retirement
Semi-retired doctors have been stripped of their rights to prescribe and refer patients under the new national registration system. With the Senate holding an inquiry into AHPRA's management of the new system, Stephen Milgate of the Australian Doctors Fund speaks to 6minutes about proposals to create new 'active senior doctor' categories of medical registration to restore the rights that existed under State medical boards.
Просмотров: 191 6minutesvideo
Allen Iverson going to retire?
Former NBA star Allen Iverson plans to have a lesion removed from his right leg in the United States and intends to rejoin his Turkish team in time for the playoffs. Gary Moore, Iverson's longtime manager, said Iverson told him Wednesday that he doesn't plan to retire because of the painful condition. Moore said Iverson has a lesion that is pressing up against the bones of his leg and requires surgery in the U.S. "It has to be removed and tested to see if it's benign or not,'' Moore said by phone. "Once that's removed, Allen is going to look to rehabilitate his leg because the doctors tell him he'll be out four to six weeks, He's hoping to be able to play in the playoffs.'' Besiktas spokesman Kursat Kaplan said Wednesday the team would assess Iverson's future after another MRI this week. Moore had no timetable for Iverson's surgery, only that that it was "soon.'' "People need to know that Allen is and always has been a fighter,'' Moore said. "He's got a battle ahead of him.'' Moore said Iverson "totally disputes'' reports out of Turkey that he was set to retire. The 11-time NBA All-Star has said he's happy with his new career in Turkey, though his start has been mixed since playing his first game in November. Iverson, the NBA's Most Valuable Player in 2001, agreed to a $4 million, two-year deal with Besiktas after no NBA team offered him a contract. Moore said Iverson last played Saturday. "This is the most pain he's ever felt from any injury he's had,'' Moore said. "He's been in tremendous agony.'' Iverson spent 10 seasons in Philadelphia before bouncing through Denver and Detroit, ending up in Memphis last season. He played only three games before returning for a second stint with the Sixers, where he averaged 13.9 points in 25 games. He took a leave of absence toward the end of the season to deal with some family matters, which he said have been resolved. When no NBA team was interested in him, Iverson was wooed by Besiktas executive board member Seref Yalcin to continue his career overseas. "He's enjoying the beauty of the country, the beauty of the people,'' Moore said. "No one has any expectations of him other than what he gives on the basketball court. No one cares about what he did five, six years ago.''
Просмотров: 7537 pennyccw
The Future of Employer-Sponsored Retiree Medical Benefits - Towers Watson
http://www.towerswatson.com/services/health-and-group-benefits Stephen Parahus, a senior consultant in Towers Watson's health and group benefits practice, offers perspective on the future role of employers and retiree medical plans.
Просмотров: 236 Willis Towers Watson
How To Make Your Veteran Pension Make You Money
http://www.veteranpensionbenefits.net :: How To Make Your Veteran Pension Make You Money CONTACT US FOR PERSONAL HELP. Other ways American Military Benefits Can Help You -Expert and knowledgeable assistance in better understanding the Veteran Benefits that might be available to your client. -Social Media Marketing to Veterans, their spouses, people looking for information reagarding dementia and health care professionals in your client's area. -Bringing clients to your community through Social Media Marketing -Online and On-Site training about the Veterans Administration pension and how to bring clients into your community by using this program. -Hard copy of marketing materials and online access to marketing adis, videos and application forms. -Online application submission and tracking. -A complete professional evaluation of your client's current financial situation, if necessary. -Advice regarding assisted living communities and/or home care options that are available on our website and social media sites. -Assistance in helping families of veterans in protecting their estates from being severely damaged by medical and/or long term care expenses. -Expert advice regarding making Medicaid work for you as compared to losing your life savings trying to receive aid from Medicaid. -Information and advice, in requested, regarding special needs of seniors as they relate to legal, financial, real estate, or senior living options. This information is provided only by experts in those fields who we have previously vetted for reliability.
Просмотров: 1054 USAMilitaryBenefits
Common Financial Planning Mistakes
Barnum Financial will help you save for retirement
Просмотров: 97 CT STYLE
Dental Plus Only $14.95/month for individual or $19.95/month for household The AmeriPlan® Dental Plus program gives you immediate savings on Dental, Vision, Prescription, and Chiropractic services. AmeriPlan Healthcare Only $49.95 per month for your entire household AmeriPlan Healthcare includes a robust medical discount program in addition to all the immediate savings of Dental Plus. Platinum Plus Only $50.00 per month for your entire household AmeriPlan® Platinum Plus can protect you and your family in a variety of ways and save you thousands of dollars a year on things you use most.
Просмотров: 358 Johnny Robinson
Understanding Medicare Advantage Plans
Uploaded by medicaremadeclear on Sep 23, 2010 http://www.MedicareMadeClear.com - Free video guide to understanding Medicare Advantage Plans and Options. Important Medicare Advantage, also called Part C, Plan eligibility, available benefits and options explained Dallas L Alford IV, CPA is a licensed Certified Public Accountant in the state of North Carolina and owner of Atlantic Financial Consulting, a consulting firm that provides comprehensive medical billing services, practice management consulting, coding audits, Medicare compliance, Medicare RAC support and other general medical practice consulting services. To learn more about Atlantic Financial Consulting you may visit their website at http://atlanticfinancial.us or contact Dallas L Alford IV, CPA directly at 1 888-428-2555, Ext. 200.
Просмотров: 4174 AtlanticFinancial1
Tax-Saving Tips - Medical Expenses
Check out Bas Rutten's Liver Shot on MMA Surge: http://bit.ly/MMASurgeEp1 http://www.mahalo.com/tax-saving-tips-medical-expenses/ Keith Hall, a registered CPA and small business owner with over 20 years experience is here to help you with your small business questions. In this video, Keith takes you through his third tax-saving tip, your medical expenses. Check out the rest of our tax videos here: http://www.youtube.com/view_play_list?p=C90C48F4B15F6911 Check out the related Mahalo Pages: How to Avoid a Tax Audit: http://www.mahalo.com/how-to-avoid-a-tax-audit How to Check Your Tax Refund Status: http://www.mahalo.com/how-to-check-your-tax-refund-status How to File For a Tax Extension: http://www.mahalo.com/how-to-file-for-a-tax-extension How to File Taxes If You Haven't Filed in Years: http://www.mahalo.com/how-to-file-taxes-if-you-havent-filed-in-years How to File Taxes as a Gay Married Couple: http://www.mahalo.com/how-to-file-taxes-as-a-gay-married-couple How to Determine Your Tax Filing Status: http://www.mahalo.com/how-to-determine-your-tax-filing-status How to Choose the Right Tax Forms: http://www.mahalo.com/how-to-choose-the-right-tax-forms 1040ez Tax Form: http://www.mahalo.com/1040ez-tax-form How to Organize Tax Documents: http://www.mahalo.com/how-to-complete-a-1040ez-tax-form How to Set Up a Tax Payment Plan: http://www.mahalo.com/how-to-set-up-a-tax-payment-plan Check out more Mahalo playlists: 2011 Grammy Guitar Lessons: http://www.youtube.com/view_play_list?p=554B7E896F42D97C How to Cook: http://www.youtube.com/view_play_list?p=7016D638D52E3652 How to Bake: http://www.youtube.com/view_play_list?p=26285631199B5B14 Mahalo Daily Videos: http://www.youtube.com/view_play_list?p=4F1A4F3978CDD3EC How to Play the Xylophone: http://www.youtube.com/view_play_list?p=F1EFA91B8B5F3929 Green Living: http://www.youtube.com/view_play_list?p=3CA63D48E28E7759 How to Speak Russian: http://www.youtube.com/view_play_list?p=31098EC11EAF8623 Mahalo Travel: http://www.youtube.com/view_play_list?p=F348A1D1C148415D Learn Biology: http://www.youtube.com/view_play_list?p=16EB9E5F60FAD9BD How to Play Guitar Songs: http://www.youtube.com/view_play_list?p=BE077DEF7EB33D00
Просмотров: 1044 mahalodotcom
How to Give Welcome Remarks
Like these Public Speaking Tips !!! Check out the official app http://apple.co/1NFC9eC Watch more Public Speaking Tips videos: http://www.howcast.com/videos/425729-How-to-Give-Welcome-Remarks If you've been chosen to give welcome remarks at an event, it's because people trust you. Show that you deserve that trust by honoring the guests without getting in the way. Step 1: Make introductions Introduce yourself and start your remarks by thanking everyone for coming. Be cordial, humble, and speak for a couple minutes at the most. Give your welcome remarks genuinely, as if welcoming people into your home. Step 2: Say names correctly Refer to each special guest, having prepared by writing down their names, including how to pronounce them. Pay tribute to their successes, linking these to the event as you introduce them. Tip Double check that all your facts are correct before sharing the information. Step 3: Thanks contributors Thank those who have made the day possible, from the organizers of the event to the wait staff working the floor. Step 4: Review topics Reinforce the purpose or goal of the event. Offer a lead-in to the speech topics or events to follow. Tip You might want to tease the featured speaker with a light anecdote that gently pokes fun at them. Make sure to ask their permission first -- you want it to be funny for them as well as their future audience. Step 5: Share your hopes Share your personal hopes, ideas, or plans about the topic of the day. Step 6: End with good wishes End your speech by wishing all, and especially the guests, an interesting day. Introduce the first speaker, and get out of the way. You are their guide, not the reason they came. Did You Know? Though President Eisenhower originally welcomed Fidel Castro to power in public comments, in 1959 he snubbed the Cuban dictator, who had requested a meeting.
Просмотров: 496092 Howcast
MA SMART Plan - Video
Massachusetts Deferred Compensation Plan Video
Просмотров: 2076 masmartplan
"How To Save Tax & Money With A Canadian Private Health Services Plan!"
So Why Is A PHSP Your New Secret Tax Savings Weapon? Did you know that Private Health Services Plans (PHSPs) allow businesses of all sizes (sole proprietors, partnerships, professional corporations, corporations, not-for-profits, and associations) to expense medical, dental and wellness costs & provide tax free benefits to owners and employees. No matter if you are a one-person or a 100 employee business. PHSPs Are The Most Underutilized Tax Saving Weapon For Canadian Businesses Today! Stop bleeding tax dollars now! Our free report will show you how to turn medical, dental and wellness costs...into a stream of savings on your next tax bill. Get your FREE report: "How To Save Tax & Money With A Canadian Private Health Services Plan!" At either of our sites... http://WeSaveYouTaxes.com http://facebook.com/WeLovePrivateHealthServicesPlans
Просмотров: 80 Mark Huber
Nurses Call to Protect Retirement Security
Progressive Radio Host Thom Hartmann talks to Jean Ross, RN, the co-President of National Nurses United. If you liked this clip of The Thom Hartmann Program, please do us a big favor and share it with your friends... and hit that "like" button! http://www.thomhartmann.com Follow Us on Twitter: http://www.twitter.com/thom_hartmann Subscribe to The Thom Hartmann Program for more: http://www.youtube.com/subscription_center?add_user=thomhartmann
Просмотров: 291 Thom Hartmann Program
Texas Divorce and Retirement Benefits Part 2
http://www.texasdivorcelawyerhelp.com/ How retirement in Texas is affected by divorce. Part 1: http://www.youtube.com/watch?v=9BAWDUImm3c Part 3: http://www.youtube.com/watch?v=j2TTPPapcz8
Просмотров: 53 TexasLegalTips
Get Tax Free Income
To learn more about how to enjoy a lifetime tax free retirement income stream, please CLICK: http://www.amazon.com/Stress-Free-Retirement-Planning-ebook/dp/B009CXK90W Enjoy a substantial tax-free income stream with no stock market risk! Supplemental tax-free retirement income can be enjoyed without stock or bond market risk. This financial planning strategy can be far better than CD's, municipal bonds, annuities and mutual funds for many investors. Learn much more about tax free income planning: GET the "Stress-Free Retirement Planning" Kindle eBook or paperback at: http://www.amazon.com/Stress-Free-Retirement-Planning-ebook/dp/B009CXK90W
Просмотров: 2415 whitetreemktg
Population Reduction and You (2/9): Dr. Stanley Monteith on The Crimson Pill
June 26th, 2011 - Dr. Stanley Monteith Population Reduction and You For over a decade, prior to his retirement, Dr. Monteith led a delegation of physicians from Santa Cruz County to the House of Delegates of the California Medical Association. For 10 years he led the battle within organized medicine in California to address the AIDS epidemic as a medical issue rather than a civil rights issue. As a result of his experiences trying to implement an effective medical approach to the HIV epidemic, he wrote the book, "AIDS:The Unnecessary Epidemic", the widely circulated pamphlet, "To Deceive a Nation", and more recently, "A Nation Deceived and Betrayed." Supported by physicians across our nation, his public health approach to the HIV epidemic was eventually accepted by the California Medical Association. Unfortunately, powerful forces continue to oppose the dictates of doctors. Dr Monteith currently spends five hours daily on talk radio in California. He writes extensively, and lectures on geopolitics. He has spent 30 years researching the causes for America's spiritual and moral decline. http://bbsradio.com/thecrimsonpill/ http://www.radioliberty.com/
Просмотров: 1906 CrimsonPillTV
3/28/11 - Change is the only Constant
youVideo Blog Week of March 28, 2011 It's been said that change is the only constant. Here at the Medical Center, we're accustomed to change. Often, change makes the end result better. Changes such as the integration of the OSU Physicians, our conversion to a fully electronic medical record, curriculum reform and Crew Resource Management will help us become a more high-performing organization. Changes in our facilities and our environment will help us continue to improve lives. The growth and changes in our ambulatory facilities will make OSU Medical Center care more accessible to the community. But, for any change to be positive, we need to fully understand it. The proposed changes to the defined benefit plans of the state retirement systems, including the Ohio Public Employees Retirement System, or OPERS, and the State Teachers Retirement System, or STRS, are no different. These changes are intended to maintain the long-term viability of the state's pension programs, and they're based on many factors. You may have heard about these recently in the news, in OnCampus or on OneSource. It's important that you have the information you need to understand how this proposed legislation may affect your individual circumstances. To help you stay informed, we have created a link on the home page of OneSource with detailed information that we will continue to update as the state budget process progresses. It's important to note that these proposed changes may be altered during the ongoing legislative session. We anticipate that final legislation will be approved by June 30, 2011, and will go into effect 90 days later. Changes will be implemented on a timetable that's different for OPERS and STRS. Ohio State's leadership has been following the legislation closely, and is actively advocating for defined benefit pension plans while also keeping the defined contribution options. We'll continue to monitor the legislation, and communicate with you as it progresses. If you have questions about how these changes might affect you, please contact OPERS, STRS, or your personal financial advisor. These experts are best able to offer advice about your specific circumstances. As our value of Change and Innovation states, "change is part of our heritage and our future." So stay curious about change -- whether it's this change or any other. When we think creatively and remain open to positive, constructive conflict, we learn more and develop better solutions. So, make a positive change in your work this week, or endeavor to learn more about a change that's happening around you. And, as always, have a great week.
Просмотров: 187 Ohio State Wexner Medical Center
401K Fallout 60 Minutes.wmv
Steve Kroft investigates the impact of recent Market losses on the retirement accounts of olders Americans, and listens to their stories about how this has impacted their lives.
Просмотров: 1597 nangel29650
More than 7.5 million unmarried couples living together in retirement
http://www.shahriar.info (শাহরিয়ারের স্বপ্নবিলাস) (By Sharon Epperson and Karina Frayter, CNBC.com) More than 7.5 million couples live together without tying the knot, and that number is growing.It may appear to be a simple arrangement, but can be full of complexities when it comes to money and financial planning, especially in retirement. Tom Blake, 71, and Greta Cohn, 69, know all about it. They've been together for 13 years. Blake moved into Cohn's house after three years of dating. He admits, when it came to money, building trust took time. Both of them had financial interests to protect. "I was much much too cautious", says Blake, who at first tried to make sure they divided every expense 50-50. "You know, let's say we were to split $42.24. I'd go it's $21 and change. And it was kind of ridiculous." They now say money is not an issue. Each takes care of their personal debt and expenses and they use a joint credit card for shared purchases. While the number of couples living together has doubled over the last decade, there are very few legal and financial protections for them. So financial advisers recommend that unmarried partners build their own safety nets. First, be specific. Figure out your expenses. Determine who will pay what. What's yours, mine and ours? Save even more money. Non-spouse pension rollovers and insurance benefits may not be available. Maintain proper titling of assets. And don't become completely financially dependent on your partner. "Unmarried couples have to plan individually together, so it as if they are individually retiring and then sharing the expenses", says financial adviser Jeffrey Christakos, a CPA and certified financial planner with Westfield Wealth Management in New Jersey. Christakos also tells his clients to put everything in writing and have a will and advance medical directives in place. "Often times unmarried couples have problems accessing hospitals where their significant other is in a critical medical situation. So they have to have things in writing so they can prove to the hospital that they would be the person that would make these critical decisions," Christakos says. Blake and Cohn say their formula for success is honesty and communication. For them, financial independence just makes sharing life together even more enjoyable. Copyright 2011 CNBC.com
Просмотров: 1919 উত্তাল ধানসিঁড়ি
What should be your insurance cover?
Let's Talk Money: A team of experts answer investors' queries related to insurance policy cover, retirement plans, medical insurance, ULIPs, FD, stock market investments and MFs.
Просмотров: 85 NDTV Profit
Canada Insurance Broker | Personalize Your Nest Egg Part 1 - Manulife
Life Insurance Broker | http://Life-Insurance-Broker.ca | Call 877-811-4043. Interview with Moshe Milevsky, professor of finanace at the Schulich School of Business, York University. He is discussing how most Canadians do not have a real pension plan. RRSPs, Defined Contribution plans, Capital Accumulation plan, etc. are not pension plans. They are investment plans which are tax effecient. A pension plan has unique characteristics that must be in place to live up to the definition of a pension in Canada. It must be a guaranteed income for life, predictability of payments, insurance guarantees, and inflation protection. Unless these things are in place, you don't have a pension plan. The majority of Canadians do not have a pension plan. Even if you have a lot of money in your RRSP that is all you have - money. The money saved has to be turned into income or cash flow. You should plan to do that as you get closer to retirement. Product allowcation vs. investment allowcation comes into play when planning you retirement INCOME!
Просмотров: 141 LifeInsuranceCanada
Part 3
Просмотров: 22 Carl Barber
Study shows 401k plans not paying out enough
A new study shows American's 401k plans have less than one-quarter of what is needed to maintain their standard of living in retirement. Business correspondent Rebecca Jarvis spoke to Chris Wragge with a break down of what people will need to change to prepare for the future.
Просмотров: 192 CBS News
Financial Planning Case Study - Retired Head Teacher
Client testimonial from Rose Harrison, a retired Head Teacher who approached Freedom Financial Planning looking for help and guidance. To learn more visit http://www.freedomfinancialplanning.co.uk
Просмотров: 159 Freedom Financial Planning
8 It Is Time to Come to Some Conclusions
For your tax-deferred retirement plan to work, you must be in a lower tax bracket at the time of retirement, and Social Security must account for a large part of your income.
Просмотров: 23 Carl Barber
US Postal Service Warns of Default
This is the VOA Special English Economics Report, from http://voaspecialenglish.com | http://facebook.com/voalearningenglish The United States Postal Service has a history as long as the nation's. The Second Continental Congress appointed Benjamin Franklin as the first postmaster general in seventeen seventy-five. In September, the current postmaster general, Patrick Donahoe, brought an urgent message to a Senate committee. He told the Committee on Homeland Security and Governmental Affairs that the Post Office could need more money by the end of the month. "Without the enactment of comprehensive legislation by September thirtieth, the Postal Service will default on a mandated $5.5 billion payment to the Treasury to pre-fund retirement retiree health benefits. Our situation is urgent." The Postal Service had losses of almost six billion dollars for the nine-month period ending in June. That could grow to ten billion for the year. Part of the deficit is a five and a half billion dollar payment to the federal retirement plan for postal workers.Mr. Donahoe is asking Congress to approve huge changes to the Postal Service. He wants to cut over one hundred thousand workers, close thousands of post offices and end Saturday mail delivery. He says the service needs to operate more like a business. The Postal Service is responsible for its own financing and not part of the federal budget. But it does take part in federal retirement and health plans. It says it has paid too much to federal retirement plans and wants at least seven billion dollars returned. Mr. Donahoe also wants to pull the Postal Service out of the federal benefit plans. He says the service's proposals could cut twenty billion dollars by twenty-fifteen and return it to profitability. John Berry is director of the federal Office of Personnel Management which supervises federal retirement and health plans. He said the Obama administration would soon announce its own plan. At the hearing, Senator Susan Collins criticized the administration for not having a plan already. Leaders of two labor unions representing postal workers have also criticized the proposed cuts. The United States Postal Service has over five hundred sixty thousand employees. It reported revenue of sixty-seven billion dollars last year -- more than either of its biggest private competitors, FedEx or UPS. But as the amount of physical mail decreases, so too have the earnings from Postal Service operations.For VOA Special English, I'm Alex Villarreal. (Adapted from a radio program broadcast 09Sep2011)
Просмотров: 35938 VOA Learning English
3 Why a Balanced Budget Cannot Save Your Tax-Deferred Retirement Plan
Although balancing our national debt and controlling future spending is critically important to our financial future as a nation, it cannot save us from the looming tax crisis. This video explains why.
Просмотров: 54 Carl Barber
Tax Free Retirement Atlanta
Call 770-414-8800 to discover a tax free retirement vehicle for you and your family. Bruce Ryles is an Atlanta based retirement specialist who can help you prepare and execute a plan to help you retire more comfortably.
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