Financial Planning
What You Need to Know About Social Security
By katsmith at 13 December, 2010, 12:00 am
You have probably been getting salary deductions for Social Security since you have started your first real job, and must have a tidy sum as a balance now. The problem with Social Security is that a lot of people take it for granted despite the relative fortunes they have continuously invested in it. Have many people thought about how high their net income would be if contributions were not required? Do a lot of people know what the money is used for and how it grows?
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How To Prepare For The Cost Of Christmas
By ChrisReinhold at 7 December, 2010, 12:00 am
That time of year is fast approaching once again where we buy our family and close friends presents that we think will make them happy but more often than not ends up costing us more than the pleasure they actually get out of their presents. With the recession not too far behind us, we are still feeling the pinch and Christmas is that time of year when we tend to spend the most not only on presents but also on the cost of good food and drinks.
Read More >>What to Consider When Investing in Equity Indexed Annuities I
By CarinaSmith at 6 December, 2010, 12:00 am
Equity-indexed annuities can give you guaranteed annualized profits, making these good options for seniors who want to decrease the overall risk of their investment portfolios. Before investing in an EIA, you’ll need to determine the minimum returns, as well as the exact features guaranteed. Typically, EIAs with the highest profit potential may not have guaranteed minimum gains, but only guarantee the safety of the initial investment.
Read More >>Expenses and Changes in Stock Based Annuities
By CarinaSmith at 4 December, 2010, 12:00 am
Stock-based annuities (or equity-indexed annuities) are great for the senior investor who wants less risk for his or her investment portfolio as these come with guaranteed returns, which are established by factors such as rates of participation, return limits, and return formulas. Typically, EIAs with lower participation rates and higher return ceilings tend to be more profitable for the long term, but you’ll still need to check out other factors such as EIA expenses and changing provisions.
Read More >>Equity Indexed Investments – Stock Based Annuities
By CarinaSmith at 4 December, 2010, 12:00 am
More and more investors are considering investing in equity-indexed investments such as stock-based annuities. Typically, interest in equity-indexed annuities and similar tools shoot up when market conditions are down, with expert findings showing that significant capital is being placed into annuities such as these. Like many insurance products, the viability of the stock-based annuity as a retirement investment depends on why inquiries are high – are investors really buying into these annuities?
Read More >>Start a Business with Low Capital II
By CarinaSmith at 4 December, 2010, 12:00 am
If you’re like many of today’s seniors who are worried about retirement security and due to inadequate funds, you can add to your nest egg by starting your own business with relatively low capital. You can stretch your budget to start up operate your own company even with limited resources, as long as you think out of the box. Aside from trading services or goods and outsourcing for employees, you can hire interns and take advantage of peer-to-peer financing.
Read More >>The Annual Reset Method for Stock Based Annuities
By CarinaSmith at 4 December, 2010, 12:00 am
Investing in stock-based annuities (or equity-indexed annuities) is becoming a popular investment options for many seniors today. The EIA has become an integral part of many elderly investors’ retirement portfolios because of the relatively low risk associated with these tools. If you’re in the market for an EIA, you’ll need to familiarize yourself with terms and concepts like these:
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