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SEP IRA vs. 401(k) for Self-Employed: Which Retirement Plan is Best?
If you are self employed and want to invest in your retirement, you have to choose between SEP IRA or 401k plans. Both of these retirement accounts have different advantages. As long as you have
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Self-Directed IRA: Understand Your Investment Freedom
If you want to set up a reliable IRA for your pension, then you may be considering the self-directed retirement account. These accounts are considered to allow more freedom than the standard IRA
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Defined Contribution vs. Defined Benefit Pension Plans: Understanding Your Options
The two broad categories which all pension plans belong to are defined contribution plans and defined benefit plans. Your employer will decide which to offer to you, and you will have to make you
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Pension Value Calculation: A Step-by-Step Guide
You will need a financial calculator to determine the value of your pension. Financial calculators store important formulas, such as compounded interest rates, so you do not have to know the form
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Pension Plan Rollover: A Comprehensive Guide for Retirees
Rolling over your pension plan is something that a lot of retired people have to deal with. Once retirement comes, dealing with your money becomes a very real thing. Before retirement, you need t
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Understanding In-Service Withdrawals from Retirement Accounts
An in-service withdrawal on any retirement account is a withdrawal made before a qualifying event occurs. The most common qualifying event is age; for example, once you reach age 59-1/2, you are
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Qualified Retirement Plans: A Comprehensive Guide for Employers
A qualified plan is a form of retirement plan that meets the IRSs requirements for unique tax incentives. A qualified plan is set up by an employer for the benefit of employees. A qualified plan
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Pension Shortfall: Understanding the Impact on Your Retirement
A pension shortfall could prove to be disastrous for your retirement if you are relying on a pension from your company. Here are the basics of a pension shortfall and what it could mean for your
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Indexed Annuities: A Comprehensive Guide to How They Work
Indexed annuities are a type of investment that many people choose for retirement planning. This type of investment can provide you with some level of certainty when it comes to your available re
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Annuity Surrender Penalties: What to Expect & How to Avoid Them
If you surrender an annuity, you could be faced with some significant financial penalties. Annuities are a common device that is used for retirement planning. If you decide to get out of the cont
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Keogh Retirement Plans: A Comprehensive Guide for the Self-Employed
A Keogh plan is a type of retirement plan reserved for those that are self-employed or part of an unincorporated business. Here are the basics of the Keogh retirement plan. Keogh Plan This is als
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Understanding Annuitization: Retirement Income Options
Annuitization is a distribution option that allows a retiree to receive periodic payments rather than a lump sum of retirement funds. Depending on the available options, the payments may be sprea
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Understanding 457 Plans: A Guide for Government Employees
The 457 plan is a type of retirement plan that is commonly offered by state and local governments to their employees. Here are the basics of the 457 plan and how it works. 457 Plan Introduction T
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1035 Exchange: A Comprehensive Guide to Tax-Deferred Policy Transfers
A 1035 exchange is a provision to the tax code that allows you to transfer funds from a life insurance policy or variable annuity to another policy or annuity. All of this is can be done without
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Maximize Your Thrift Savings Plan Contributions for Retirement
If you are eligible to contribute to the thrift savings plan, you have a great opportunity in front of you to save for retirement. When you can contribute to the plan, you need to focus on maxing
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Longevity Insurance: Secure Your Retirement Income
Longevity insurance is a type of insurance product that you can buy a that will pay if you live to be a certain age. Here are the basics of longevity insurance and how you can use it to your adva
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Single Life vs. Joint & Survivor Annuities: Understanding the Key Differences
When you are choosing to invest in an annuity, you can usually choose between a single-life annuity or a joint-and-survivor annuity. Here are the differences between the single-life annuity and t
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Understanding 403(b) Retirement Plans: Key Facts for Savers
403b retirement plans are a popular way for individuals to save for retirement. If you are considering this plan among the many different retirement plans that are available to you, you should fi
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Divorce & Retirement Funds: Understanding Your Rights
Any retirement funds are considered communal property in a divorce. This means each party has equal entitlement to the funds, regardless of who contributed, in a state that uses communal property
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Small Business Retirement Plans: A Comprehensive Guide for Employers
When setting up a retirement plan for a small business, you have a number of options to choose from. Prior to recent legislative changes, small businesses could not compete with large corporatio
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- Fixed vs. Variable Annuities: A Comprehensive Comparison
- Retirement in Nebraska: Unexpected Benefits & Quality of Life
- Retirement Planning: Growing $100K to $1M – Expert Strategies
- 401k vs. 403(b): Which Retirement Plan is Right for You?
- Retirement Credit Score: 5 Steps to Protect Your Financial Future
- Roth IRA vs. Traditional IRA: Key Advantages for Retirement Savings
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Benefits of Online Banking: 5 Reasons to SwitchBanking online can make managing your money easier. See more banking pictures. Online banking offers a welcome change from the tedium of physically balancing your checkbook and dealing with in...
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Pairs Trading: Understanding Market Correlations & StrategiesHave you ever found yourself in the middle of a “typical” market situation that suddenly didn’t feel so typical? If so, you might consider exploring one of the more sophisticated market strategies: pa...
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Sale and Lease-Back: A Homeowner's Guide to Avoiding Foreclosurediv.cust...
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Leveraging Insecurity: How Self-Doubt Can Boost Your FinancesImage Credit: @armisan/Twenty20 In our culture of self-care and wellness, we usually find ourselves wishing away bad feelings when they come around. We'll work hard (and spend hard) to banish...