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Comments to date: 311. Page 1 of 32.

Mel Location unknown	12:13am on Friday, April 24th, 2009
Is Reaganomics dead and not why and if yes why? Can an economic policy work again, especially in this complex economic globalized world than changes and expands? And if yes then why do republicans insist on lower taxes and please no conspiracy mu... read more »
Lil Location unknown	6:50am on Monday, April 20th, 2009
What are some activities to cheer people up when they are really sad? my friend has just come out of a 3 year relationship and she needs to be cheered up any ideas? Best answer: It's important to recognize that it will take time to heal a br... read more »
Optimist Location unknown	1:30pm on Saturday, April 18th, 2009
How does retirement system work in California? Hello All, I have moved to the states and still searching for a job, but what I still don?t get is how the retirement system works in California.. Let us say that I work till I am 60 and then I retire ... read more »
BinkyTheWonderD Location unknown	9:18pm on Tuesday, April 14th, 2009
Is there a website to find a comprehensive list of names with pictures of retired Beanie Babies? These BBs are from 1997-1999. It is my daughter's collection which we are passing on to my 6 year old niece. They have no tags because I've wa... read more »
Shhh...it's a secre Location unknown	2:04pm on Tuesday, April 14th, 2009
How many years does the average soldier stay in the Army? Just plain on average, how many years does a soldier stay in the Army? You have to be in the army, know someone in the army, or be quite familiar with it to answer. Thanks! (Obviously I don&#... read more »
mommymi Location unknown	11:01am on Sunday, April 12th, 2009
How to become a life and health insurance agent in tx? I am wanting to know where i should sign up to become a life and health insurance agent and any advice anyone has im in in tx and if their is a need for them thank you Best answer: To get the... read more »
Mish Location unknown	11:20pm on Friday, April 3rd, 2009
Gotta prepare farewell speech for our retiring principal......any suggestions? Our principal is retiring after serving for two decades and I am the one chosen to deliver the farewell speech on behalf of students. Need a bit of help! Thanks! Bes... read more »
James Location unknown	3:14pm on Monday, March 30th, 2009
Why should I look for tax-favored investment strategies and how do these strategies help me to attain my goals? My teacher wanted me to answer these two questions for extra credit and I have no idea what he means about tax-favored investment strateg... read more »
*~~April~ Location unknown**	9:29am on Friday, March 27th, 2009
How would you request either food or drink to contributed to a party? I am throwing my mother's retirement party and the guest list is gradually growing...I want to request to have a dish or beverage contribution (requested not required) but do... read more »
The Revent Location unknown	1:20am on Wednesday, March 25th, 2009
Whats the best car you have seen down any road? What is the best car you have seen down any road or motor show. Or if it was driving, was the car being driven like a bat out of hell, or was the person just taking it for a "drive". Best a... read more »

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ABA Retirement Funds
ABA Retirement Funds Program is excited to announce an enhanced ... Learn how the ING Advisor Service can support your retirement planning needs today. ...
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One of best ideas to come out of the financial-services industry in recent years is target-retirement funds. These funds allow people who know little or nothing about ...
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The T. Rowe Price Retirement Funds offer you a single diversified portfolio that is professionally managed to a specific retirement date.
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Learn about Retirement Funds on eHow.com. Find info and videos including: How to Use Retirement Funds, How to How to Retire During an Economic Crisis, ...
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Donli Cox will graduate in December from the University of Missouri-Kansas City with a degree in business administration. ... Target-retirement funds. ...
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Open Question: WHO IS ELIGIBLE FOR RETIREMENT BENEFITS? Pension under the Employment Retirement Income Security Act of 1974? (Thu, 11 Mar 2010 09:03:31 GMT)
My father, 51, had been an hourly worker in a machine shop of for 21 years and four months. On a Christmas holiday, he suffered a severe heart attack and was hospitalized for three weeks. At his release, his doctor said he was to rest at home for a couple of months. After his recuperation period, his doctor, along with his company’s physicians, was to decide whether or not my father should retired for disability reasons. They never got the opportunity to make this decision; in February, my father died of a second heart attack. He left my mother, four sons, two daughters and two-daughters in-law. His wife, my mother, still had four children at home. As part of my father's estate, my mother received the normal group insurance payments, the balance of his savings plan account, and the other benefits due her. However, my mother did not receive a pension from the company as a survivor of an eligible employee. When my mother and the company representatives had discussed the settlement, my mother had inquired about my father's pension and about my mother's right to receive it. The human resource department had stated that since contributions to this fund were made only by the company, no survivor’s benefits were provided. 1.What do you think my mother should do at this point? 2.What does the Employment Retirement Income Security Act of 1974 have to say about this issue?
Open Question: Under Slaughter’s scheme, wouldn't it be possible to simply "deem" my house is paid for...? (Thu, 11 Mar 2010 00:12:31 GMT)
...my retirement is fully funded, and I don’t have to pay taxes for the rest of my life? Awesome! Congressman Slaughter may begin a new trend in America! What a great idea! Why didn’t I think of this before? It is so easy.
Open Question: How much should we increase taxes and fees to pay for retirees? (Wed, 10 Mar 2010 23:36:39 GMT)
Cities are broke because of the Bush economy. Once again citizens are making bad choices by not investing in their future. The bad news is that many of them are selling buildings (Cincinatti wants to sell City Hall), cut salaries of government workers, or reduce other higher-paid retirement funds. The good news is that many cities are devising property tax increases, sales tax increases, and new utility bill fees. What other mechanisms will make this possible for governments to keep operating? But the people (thats you) are the government. So you are responsible for this mess.
Open Question: So what exactly do liberals want done to fix SS from collapse? (Wed, 10 Mar 2010 21:40:00 GMT)
All I hear is that they oppose individuals opting to build their own retirement or disability fund, so what is your fix- raising fica taxes continually? or raising retirement age? at least GOP has offered proposals
Open Question: saving for retirement? (Tue, 09 Mar 2010 22:54:25 GMT)
If I am saving for retirement and I started by saving $2500/year and I plan to increase my contributions by 3% per year. If the retirement plan has historically made 8% per year, how much will I have in my account after 38 years? Also how much will be in my retirement fund if it pays only 6.5% per year?
Open Question: Why should i buy a Mac? (Tue, 09 Mar 2010 18:38:05 GMT)
Why should I buy another Mac? I have owned an ibook G4 for 6 years, and it has worked well, never had a virus. But I’m tired of never being able to get software for a Mac, never getting Hulu, always several years late on Quicken, etc. and not being able to access sites like my bank or retirement fund, because their encryption won’t recognize apple’s safari or firefox version. When I can get a Dell or HP for half the cost of a new apple laptop, why should I stay with Mac??
Open Question: How long do you have to deposit 401K funds withdrawn from one account to another? (Tue, 09 Mar 2010 15:38:34 GMT)
I want to move my 401K from my previous employer to my current one. Once I withdraw the funds, how long do I have to place them into a new retirement account? Can I also keep out some of these funds (I understand that this amount kept out will be subject to taxes and penalties)?
Resolved Question: Are you gambling your retirement on a lottery win? (Tue, 09 Mar 2010 08:26:23 GMT)
Or do you have a good pension or savings and investments fund? Millions of Britons are apparently gambling with their future by hoping for a lottery win or an inheritance to fund their retirement a study of 3000 people carried out by Skandia has shown.
Open Question: Should I move the money in my retirement plan when switching jobs? (Mon, 08 Mar 2010 23:51:28 GMT)
I have worked for a small company (~20 employees) for the past 5 years. Now, I'm moving to another company. I have about $80K built up in what my employer refers to as a "profit-sharing retirement plan." It's administered by a 3rd party, and contributions are made on my behalf, I'm not sure when this is done or how much I'm putting in. Once yearly I get to choose which funds my money is invested in, and I get quarterly statements. I guess this is like a 401K but I'm not sure, since I don't really know what a 401K is. It's actually kind of shameful how little I know about this. The office manager has assured me that I can just leave my money there after I leave, but honestly it makes me a little bit nervous to do so. So would this be the type of thing I could "roll over" into another account, something over which I could exercise more direct supervision? I'm hoping to avoid paying taxes, of course. Or should I just let the money stay put? If I wanted to move my money, how would I go about doing something like this? Can I just go somewhere like T Rowe Price (I see their commercials on TV) and tell them to take care of it for me?
Open Question: Invest in BOTH Traditional 401K AND Roth 401k? (Mon, 08 Mar 2010 23:48:32 GMT)
I am 30 years old and just started a new career. My employer offers both a Traditional 401K and a Roth 401K. I have zero experience investing and have never owned a retirement account before. Which should I choose....or can I choose both? I have allocated 10% of my income to invest for now. Should I do 5% in 401K and 5% in Roth 401K....or other options? I am totally confused by all the choices and not sure where to put my money so that I can make to best investment. My employer does offer a "matching" bonus. I currently do not have any other investments or savings. Any advise would be great!! Here are the funds available to invest in....managed by Fidelity COLUMBIA STRATEGIC INCOME GOLDMAN SACHS MID CAP VALUE MUNDER MID-CAP CORE GROWTH FIDELITY SPARTAN 500 INDEX PIMCO TOTAL RETURN FIDELITY ADVISOR FREEDOM 2010 FIDELITY ADVISOR FREEDOM 2020 FIDELITY ADVISOR FREEDOM 2030 FIDELITY ADVISOR FREEDOM 2040 AMERICAN FUNDS AMER H/I AMER FDS GROWTH FD OF AMERICA AMERICAN FUNDS EUROPACIFIC DODGE & COX STOCK EATON VANCE FLOATING RATE FEDERATE PRIME OBLIGATIONS MM VIRTUS REAL ESTATE SECURITIES DAVIS NY VENTURE ALLIANZ NFJ SMALL-CAP VALUE FD BUFFALO SMALL CAP AMERICAN CENT INFLATION ADJ
Resolved Question: i have $150,000.00 in a stock mutual fund retirement account.? (Mon, 08 Mar 2010 22:08:09 GMT)
where should i put it after retirement to achieve a good income.
Open Question: 457 Retirement Plan Withdrawals? (Mon, 08 Mar 2010 00:08:41 GMT)
I've recently been informed that the Obama administration has changed the rules regarding early withdrawals from a 457 retirement plan. A coworker has informed me that he has borrowed from his 457 plan as well! Is this now an option that anyone can choose? Do I initiate the withdrawal from my employer, or the company holding my funds (ICMA) ? Please help. Thanks!
Voting Question: How to travel indefinitely and cheap all over the world? (Sun, 07 Mar 2010 07:23:01 GMT)
I'm beginning to question just how important it is to live a life where you work, go home, sleep, then go to work again. After all, the dollar is about to collapse so that means retirement funds are essentially no good. I'm starting to think, maybe I should just say screw it, quit work, leave the materialistic lifestyle, and go travel around the world and have as much fun as I can. Can anybody recommend books and websites that talk about how to travel cheap and indefinitely? For example staying in hostels and what type of jobs you can work along the way, and how to get those jobs?
Resolved Question: How much can I contribute to a Spousal IRA for contribution yr 2009? (Sat, 06 Mar 2010 17:32:17 GMT)
Hi, My tax filing status is Married filing Jointly. I have a non-working spouse. I have an employer provided retirement plan (401K) which I contributed approx 5000$ to. I also funded another Roth IRA for another 5000$. Given the 401K contribution and the Roth IRA contribution, can i contribute to a spousal IRA for 2009? Our combined wages are less than 88000$. How much can I contribute and what portion thereof would be deductible? I am assuming I can contribute until April 15th. Please let me know Thank you. Thanks for the answers!.. This helps a lot. Can I file my return (and claim the spousal IRA deduction ) before I actually oepn &fund the IRA account? I will be funding the IRA before April 15th but I was curious if can actually file the return & claim the deduction before that with the expressed "intention" to open the IRA before April 15th. Thx in advance.
Voting Question: This is a question mostly for males? (Sat, 06 Mar 2010 08:38:58 GMT)
A 22 year old female is trying to decide between two options: 1. She works for the next 3 years, lives with her parents, and puts all of the money she makes (about $30,000 a year) into a mutual fund, giving her an estimated $107,000 or so at 9% by age 25, when she would start college (paid for by her parents). If she graduated in 4 years, she would be about 29 when she got a bachelor's degree, and due to shy personality traits, might not bring in much more than $40,000-$50,000 annually, of which she would continue to contribute at least $10,000 a year to the $107,000, with an aim of it growing to millions by retirement. Option 2: She goes straight to college now at age 22, graduating with a bachelor's degree by age 26, not investing a penny (focusing on school work) until age 26. She can go to either graduate or medical school from here, giving her a much bigger income by age 30, but postponing investing by about 10 years (from 21 to 30). While medical school would enable her to rival the investing, she could have hundreds of thousands of dollars of student loan debt to pay off before any comparable investing could start. Or, instead of graduate school, she can start working with her bachelor's degree and investing what she can, but she missed the extra years of it growing from 22 to 30. Here are the main issues: Rather than it being just a numbers game with the money, it seems like women have a shelf life that is shorter than men's. In other words, if she were to postpone college (which she's already behind on) for another 3 years while investing money and living with her parents, she's missing the years between 20 and 25 in which she could hang out with a new social group, have people over (either to her dorm or to an apartment her parents helped with for college), etc. I guess the main questions for guys are these: How much is a woman's youth worth to you? Would you rather meet a 25 year old woman who's starting college but already has money saved up, or would you rather meet a 21 year old woman when you're both in college? Would she be more likely to kick herself for not having $100,000 saved up by age 25, or for not starting college until 25? Thanks. She doesn't want kids ever, so that's not even a factor in the equation. Trying to study and work at the same time is a bad idea in this situation, especially if graduate school or medical school is in the picture, because grades would need to be top notch and stress would need to be at a bare minimum, as classwork would be stressful enough entering nearly 4 years late, having forgotten things, etc. The only way working and going to college simultaneously would work would be for a bachelor's only, which wouldn't require a certain GPA for a good graduate or medical school. And, as you said, just a bachelor's combined with shyness is not a pretty money picture.
Voting Question: Where should I allocate the rest of my money percentage wise? (Sat, 06 Mar 2010 03:27:25 GMT)
After my bills I have left over money, I am renting a apartment so I need to put a percentage of money towards several things I know there are percentages out there. I need to put money towards a down payment, emergency fund, I work for a place that puts my money in a retirement and after I retire I will make around 65% of my current pay, but I would like to put money into a already established Roth IRA. All suggestions would be great, thank you
Voting Question: I need to find out how to get a loan to cover credit card debt of 35000. I want to pay and freeze my accounts? (Sat, 06 Mar 2010 02:41:07 GMT)
I work full time and I have the funds to pay this off in my retirement account but I don't want to use that unlast it is the last resort.
Voting Question: Should I move back home? (Fri, 05 Mar 2010 22:33:49 GMT)
I am a 25 year old Female who lives on her own in the Caribbean. I moved out of my parents home 7 months ago mainly because we did not own our own home and we had to move from where we were living and we could not find an affordable place that would facilitate my younger sister and I along with my parents. So I moved into an apartment with my at the time boyfriend. Because my parents are both retired and did not manage well for their retirement, I now have to assist their living which I have no problem, only that I cant afford to support two households at the same time. I really enjoy my quiet time and space, but I can no longer affor to save as my ex boyfriend moved out and I now have to pay rent alone. I have searched for cheaper places but it will continue to be hard to fund myself and my parents. My sister currently has two kids and her salary barely covers her and her kids needs so things are really tough for them.....Im beginning to feel really down and out because I am left with almost no money every month and cant save. I need to save for certain things this year and am depressed as I have not seen the way to do such...we are already in March. I want to move back in, but there is no room for me really. There are 2 bedrooms only. My parents are begging for me to come back, but I wont have my privacy as before. I will have to share with them. I cant imagine that.Im looking for a place for all of us, but its hard. What do you all think I should do? Im torn between my happiness and everyone;s as a whole. I'm venting here cus I cant really talk about it with anyone else.
Resolved Question: I read the subject of bankruptcy and found that creditors cannot go after your Social Security? (Fri, 05 Mar 2010 21:16:07 GMT)
and other public retirement funds. Does the public retirement funds include military retired pay? If the information is correct, why would seniors receiving those checks even bother filing for bankruptcy? Please explain.
Resolved Question: When should I start saving for retirement? (Fri, 05 Mar 2010 21:12:10 GMT)
My husband and I are both 22, we are both graduating from college and can no longer keep our student jobs. We are moving to another city and looking for work, we aren't expecting to make much money initially because we have BA's. We might even just get two part-time jobs each to begin with. We have $29,000 in student loan debt. If we pay that off in five years, we will only be paying $5,000 in interest. With a ten-year plan, we would be paying about $11,000. Needless to say, we are going to try pay the debt off in five years. We don't currently have an adequate emergency savings and would like to buy a house in a few years. I have a plan to save $20,000 in three years for a down payment on a home (I live in TX, you can find a perfectly good home for $100-150k) which will also serve as our emergency savings during that three year period. In order to follow this plan, we will need to be making a combined $38,000 a year, which is not a lot. We are used to living thrifty and the cost of living in our state is very low. However, if we are splitting our extra money between an emergency/house fund and student loan debt, we won't have money to put towards retirement. Should we wait until we find full-time jobs to begin saving for retirement? Should we wait three years until we get a home? Or should we pay our student loans off more slowly in order to save for retirement? Planning for retirement at 25 sounds pretty good to me, but I'm no financial guru. Thanks!
Resolved Question: Why are so many Union Pension plans on the brink of collapse? (Fri, 05 Mar 2010 17:54:09 GMT)
And how is this effecting Obama's decision making? Excerpts: Unions have been the fiercest proponents of the Obamacare have been the Unions. Andy Stern, head of the SEIU has been to the White House more than any other visitor. Some commentators have reported that's Stern's constant trips to the White House is due to his participation in reviewing the basic components of the health care bills as they are developed by the houses of congress. Why is this particular legislation so important to the unions? Because the unions pensions plans are woefully underfunded. The hope is once Obamacare is passed union workers will eventually be shoved over to the co-ops (or an eventual government option), freeing up union cash to help with the pension program. As of this very moment the administration is working on a plan to give preference to Union Shops for ALL federal contracts. The proposal, dubbed the “High Road Contracting Policy,” was first reported by The Daily Caller in early February. According to multiple sources familiar with the discussions, the proposal would give preference to government contractors that pay their hourly workers a “living wage” and provide additional benefits such as health insurance, employer-funded retirement plans and paid sick leave. In other words, they will be "cutting out" the non-union shops and raising the price of jobs, and increasing the federal deficit. In your opinion, is Obama being used as a catalyst to cover up for the union bosses and their poor judgment and are we as tax payers going to get stuck picking up the tab? Here is the article along with a list of 108 union plans that aren't looking too hot: http://yidwithlid.blogspot.com/2010/03/how-coming-union-pension-plan-collapse.html
Voting Question: Suppose I punch out my soon to be ex-boss (You MUST see additional details to understand situation)? (Fri, 05 Mar 2010 07:38:42 GMT)
Here's my story, sorry if it's a bit lengthy. At the tragic expense of my grandfather's sudden and early death, I've recived my multi-million dollar inheritence earlier than anticipated. He was an executive for Warren Buffets Berkshire Hathaway and bought up several hundred shares of stock while they were dirt cheap. My current financial situation is this: A 41 year annuity of $207'000.00 a year (Actually direct deposits monthly.) Also a secluded cabin in the Hawaiian islands as my permanent residence, and 1.5 Million remaining in uncommited dollars spread out in three bank accounts, that will be my retirement when my annuity runs out at the age of 61. As you can see, I'm a 20 years man and set for life. Further more, and you can correct me if I'm wrong about this, that's why I'm here asking, but it would seem that I have nothing to lose when I go in for my final check. You see, a week from this friday, I go in for my final check. I am assistant manager at a golf course and absolutly despise the boss. She has made the last year of my life miserable, and instead of going out with a handshake, I'm thinking of going out with a literal bang. Because, I live in Pensacola county Florida, and my flight to my new life in Hawaii is 11am a week from friday in Tampa. So, two hours before the flight, I get there at opening at 9am, noone else is there, I get my check, rough her up a bit then high tail it out of there. This is my opinion: Even though Tampa, the location of an airport is a neighboring county, the process of extradition remains nonetheless. So, even if she can tell the police I'm there (Which I do not believe she would know), there would be way too much legistical stuff to be able to get me before the flight takes off. (Even if they did, i could pay my bail, then leave, and consider it worth it.) And, although a state wide warrant for my arrest would be issued (And as a person who interned for the DA in high school I know it would be only statewide) it would not affect me anywhere else. I can guarantee that the DA's office will not pay precious money out of their budget to extradite me all the way back from Hawaii over a simple assault charge. Also, she's in no position to sue: My annuity and my bank accounts except for one small one is all Swiss based. Will SOME Swiss banks disclose the accounts existance? Yes, but I'm not concealing them anyway, and they still will NOT aid any US court or IRS in freezing, garnishing the funds in any way. Plus nonpayment is judgement is not a criminal offense, it's civil. But even before that, she knows who can afford the much better attorney, and suing across state lines, plus the travel expenses of coming to the islands, simply costly to the extent that it wouldn't be in her udget. I hate her, but stupidity is not the reason. She's smart enough to realize what I just said. Without lectures, without telling me to get over it and enjoy my new freedom (Believe me I will afterwards) am I foolproof? A week from today I should say
Resolved Question: Where to Start Investing? (Fri, 05 Mar 2010 05:37:55 GMT)
I am a college student and I am looking to start investing in something that will give me a decent amount of cash later down the road(maybe retirement age or sooner). I was thinking something where I would deposit about $50 a month into it during college and then more once I graduate and start working. What would you recommend the best account type would be? I have hear mutual funds maybe? Any other suggestions would be great, thanks.
Resolved Question: I have read on yahoo answers , many people who are making villans of senior citizens? (Fri, 05 Mar 2010 02:43:36 GMT)
who are on Social Security. How did we get to be so called criminals in the first place? To all the young people out there footing the bill for Social Security. Lets put the blame where it is due. Q.Who introduced Social Security in the first place. A, Franklin Roosevelt (FICA). A democrat . He promised participation would be completely voluntary. ( of course you couldn't get retirement benefits, if you did not participate) . No Longer Voluntary. participants only would pay 1% of the first $1,400 of their annual incomes. Now we pay 7.65% and employee pays same amount. that the money participants elected to put into program would be deductible from their income each year. No longer tax deductible. the money that participants put in would go into Independent trust fund and not into the general trust fund and would only be used for Social Security retirement program and no other government program. until Johnson ( Democrat ) . Money was moved into General Fund and spent. That the annuity funds would never be taxed as income. Under Clinton and Gore (Democrats). Up to 85 % can be taxed. Can you answer the following: Which party started taxing Social Security annuities A. The Democratic party with Al Gore casting the tie breaking vote as President of the Senate, while he was vice president. Q.Which party started to give annuity payments to immigrants A .Jimmy Carter and the Democratic party.they can collect , even if they never paid in a dime to it. Then after violating all the contracts dealing with social security , the Democrats tell you that republicans want to take away your Social Security. and the uninformed BELIEVE IT! Maybe if enough people know the truth , things will change. or maybe not , some Democrats are awfully sure of what isn't so. When Social Security was started, all money was to be invested to draw interest, and that money was suppose to be reinvested etc. and all kept in Social Security fund that way all the money I put in would be there when I retired, and make up for inflation. That way all money put in today would be going to the people who are putting their money in now. Social Security would never go broke and it would pay forever. If the plan was voluntary the only people able to collect would be the people that put their money in , in the first place. I feel sorry for the young people of today , they have every reason to be angry. They will pay in , but will they be able to collect? Please don be angry at the Seniors as they were used just as you are now.
Voting Question: Question for people over 30? (Fri, 05 Mar 2010 02:21:56 GMT)
I'm 21, and I'm trying to decide between working my butt off for 5 to 10 years (from age 21 to either 26 or 31) and putting 100% of it into a mutual fund, or going to college for 4 years then doing the same type of thing for 5 years (from 25 to 30). The sooner I can get the money invested, the more time it has to grow with compound interest, meaning I need to start now. But without a degree, I could probably only make about $20,000 to $30,000 at best. Whereas with a college degree, I might be able to make $50,000 to $60,000 and invest more of it, and/or maybe have money left over to rent a small place of my own. Anyway, I'm asking this question to people in their 30s and older, since I want to know: What was your youth worth to you? In other words, would I be more likely to regret not having more fun in my 20s, or would I be more likely to regret that I didn't have half a million dollars in the bank by 30 (which could grow to $7 million or more by retirement)? I'm female and single with very little relationship experience, if you want to factor in society's age discrimination into the equation for quality of life, relationships, etc. Should I go to college and then start investing, or invest for 5 years and then go to college at 25, letting the money grow interest? Thanks. Compound interest calculator: Option 1: Invest $30,000 a year from age 21 to age 26, then enroll in college. Would have $200,000 by age 26, which would grow exponentially to about $6 million by age 65, even if no more money was added, and about $10 million if $10,000 a year was added from age 26 to age 65. Option 2: Don't invest anything yet, go to college until age 26, and then start investing $30,000 a year for 5 years, and $20,000 a year after that until age 65. This would leave me with $200,000 by age 31, and about $8.5 million by age 65. Option 3: Go to college for 8 years instead of 4, and start investing $50,000-$100,000 a year at age 30. This would leave me with about $700,000 by age 35, and between $16 million and $23 million by age 65, depending on if I invested $50,000 or $100,000. In other words, is it better to have tens of millions of dollars by your 60s, or is it better to have a couple million by late middle age, or is it better to have a few hundred thousand to about a million by early middle age? How much is youth worth? Molecular: Which option are you saying I should go with? I'm trying to factor in the value of youth, also, rather than just cold numbers by 65.
Resolved Question: So let me get this straight the gov has a history and you still trust it with health care reform? (Fri, 05 Mar 2010 01:54:15 GMT)
The Response from FEMA to Katrina The Iraq War Social Security unfunded commitments over $14 TRILLION Medicare has unfunded commitments over $74 TRILLION Medicare Part D has unfunded commitments over $18 TRILLION We have open borders. Many states can't get their state employee retirement funds fully funded. Some are only ~50% funded in some state. The public school system is ranked 30th in science and math compared internationally. No one has any clue what the FED does. The government gave us NAFTA and we now have virtually ZERO manufacturing and an economy that is 70% consumer economy. Can you help me with more reasons why not to trust the government and politicians with more of our lives and wealth?
Voting Question: Ex Boss????????????????? (Thu, 04 Mar 2010 21:55:21 GMT)
Here's my story, sorry if it's a bit lengthy. At the tragic expense of my grandfather's sudden and early death, I've recived my multi-million dollar inheritence earlier than anticipated. He was an executive for Warren Buffets Berkshire Hathaway and bought up several hundred shares of stock while they were dirt cheap. My current financial situation is this: A 41 year annuity of $207'000.00 a year (Actually direct deposits monthly.) Also a secluded cabin in the Hawaiian islands as my permanent residence, and 1.5 Million remaining in uncommited dollars spread out in three bank accounts, that will be my retirement when my annuity runs out at the age of 61. As you can see, I'm a 20 years man and set for life. Further more, and you can correct me if I'm wrong about this, that's why I'm here asking, but it would seem that I have nothing to lose when I go in for my final check. You see, a week from this friday, I go in for my final check. I am assistant manager at a golf course and absolutly despise the boss. She has made the last year of my life miserable, and instead of going out with a handshake, I'm thinking of going out with a literal bang. Because, I live in Pensacola county Florida, and my flight to my new life in Hawaii is 11am a week from friday in Tampa. So, two hours before the flight, I get there at opening at 9am, noone else is there, I get my check, rough her up a bit then high tail it out of there. This is my opinion: Even though Tampa, the location of an airport is a neighboring county, the process of extradition remains nonetheless. So, even if she can tell the police I'm there (Which I do not believe she would know), there would be way too much legistical stuff to be able to get me before the flight takes off. (Even if they did, i could pay my bail, then leave, and consider it worth it.) And, although a state wide warrant for my arrest would be issued (And as a person who interned for the DA in high school I know it would be only statewide) it would not affect me anywhere else. I can guarantee that the DA's office will not pay precious money out of their budget to extradite me all the way back from Hawaii over a simple assault charge. Without lectures, without telling me to get over it and enjoy my new freedom (Believe me I will afterwards) am I foolproof? PS: I should mention that the bank accounts are Swiss based, and while they now disclose the existents of accounts to the IRS, they will not freeze/hand over any money. Plus the State of Hawaii SC has ruled that annuity funds cannot be touched for judgements/law suits. So she can't collect on anything if she sues, and failure to pay judgements is civil, not criminal. She would quickly find that out and not even waste money trying. Plus I hope she has a very good attorney, I don't think there's one I couldn't afford.
Resolved Question: How is it possible for someone in their 60's to be poor or broke? (Thu, 04 Mar 2010 15:18:43 GMT)
I hear these stories about people who have been working since they were 14 or 16 years old (they started while in high school) who are now in their 60's - and they are broke! Or on food stamps or something. How is this possible? If you started setting aside a measly 2% of your take-home paycheck into a basket of T-bonds and other slow-growing but secure treasuries, along with a few index funds, you'd be sitting on a million-dollar gold mine by the time you were eligible for social security. Remember, a dude who is 68 today who began working at age 16 would have began working in 1958! That means FIFTY-TWO YEARS of retirement savings should be built up! How is it possible for someone with such an advantage to be broke or poor? I am only 28, and I have only been working for three years (it took me until age 25 to graduate from college and law school), and I already have $110,000 saved up for my retirement. It's not hard - I just live frugally, drive an older truck, repair it myself, and I don't waste money on useless things like heroin or crack. If I can save up $110K by age 28, how is it possible for someone with FORTY YEARS more wisdom and work experience to be BROKE? I'm not even that smart!
Resolved Question: Best investment to start saving money for kids college, retirement, or home buying? (Thu, 04 Mar 2010 13:19:21 GMT)
I do not know anything about investments. I am a college student and am looking to start putting money away for 1 of 3 things. Either a college fund for my unborn child, retirement, or buying a home. Does the reason I want to save make a difference in the type of investment I choose? My mother started a Fidelity Magellan mutual fund for me when I was young. It's still there untouched. It took a dive when the economy went down, but is starting to rise back up. For a college fund for my child, what would be the best route to go for investing money over a long period of time? Same for retirement and homebuying. I'm not looking for you to tell me what to specifically invest in, I'm looking for some help to learn how it works.
Resolved Question: What is PRIMERICA scam or not? (Wed, 03 Mar 2010 04:56:49 GMT)
A guy came up to me and offer a job that I can get a license for a broker only for 1 month and this what they do offering life insurance,auto and help w/ the retirement plans but I have to pay $99 for background check :o ??? So I went online and check it I found out that they have hidden charges every month $25 for some computer maintenance for your file???? The stupid thing I did is I gave my credit card number cause they want it to be automatic when they gonna charge the $99. So when he left I went to my bank and cancel the card. There's actually more on the story like he said IRA is better that 401k and they want it to turn it to a long term mutual fund hahahaha :O ???
Resolved Question: Work 401k is just sitting in a money market account, what shall i do? (Tue, 02 Mar 2010 20:20:16 GMT)
I want to open a target retirement roth ira in addition to my 401k. or should i contact my 401k provider and switch the funds into a target type fund? or should i set up a new roth ira in a target fund i am researching? I dont really want my work money mixed up with the extra im going to contribute (its a small biz and they are weird and they have this stupid vested time for 3 yrs etc etc). So i geuss my q is: 1. What to do with my 401k which is in a money market a/c not doing alot. 2. Open a separate roth ira, or just move my existing 401k money into my desired fund and just contribute the extra to my existing 401k?
Voting Question: Would it be wrong to rewrite tax laws that would hurt people when they retire after having worked for decades? (Tue, 02 Mar 2010 17:07:22 GMT)
Pelosi wants to put a Windfall Tax on all stock market profits, including Retirement funds, 401Ks and Mutual Funds. When asked how these new tax dollars would be spent, she replied, “We need to raise the standard of living of our poor, unemployed and minorities. For example, we have an estimated 12 million illegal immigrants in our country who need our help, along with millions of unemployed minorities. Stock market windfall profits taxes could go a long ways to guarantee these people the standard of living they would like to have as Americans. We need to work toward the goal of equalizing income in our country and at the same time limiting the amount the rich can invest”. Is she crazy? She wants to take money from working American citizens that have been working for decades in order to help illegal immigrants? We are not talking about millionaires being taxed here as she so believes. We’re talking about the majority of working Americans that have been funding their retirement plans through their employer and otherwise, and according to the current tax law. Would it be right for Pelosi and the Democrats to rewrite these laws after Americans have been saving for their retirements is accordance with the current laws?
Voting Question: My sister is extremely rude...help? (Tue, 02 Mar 2010 15:32:44 GMT)
My sister always treats me without respect, even though I'm usually nice to her. She likes to act like she's my mother and bosses my around a lot. She likes to embarrass me in front of my friends and criticises me everyday ["Don't sit like that", "Don't wear that, you'll look ugly"]. She also treats our mom like that too; bossing her around and blaming missing clothing towards her. The ONLY person she is ever nice to is her "best" friend and would always brag, " Me and Susie are gonna do [insert some "amazing" thing] in college and we have the same ["crush", favourite clothing, singers, etc.]" and then acts like she's everything. Being also self-cenetered, she yelled at my dad when we didn't have a college fund (but he's saving for his retirement and loans don't pay for retirement; we also don't have a lot of money). I'm utterly sick of her behaviour (especially about the rudeness, blaming everyone, bosses around). When I try to ignore her, she's EXTREMELY mean and tells it on everyone, even to my friends (and really, everyone gives into her "charms). Most of my friends are now "stolen" away from me by her, and she would tell mean things about me to them. So what should I do? :[ Every conversation we have turns nasty and when I ginore her, she'll talk bad about me to others and start being mean to me... :[ My parents are aware of her behavioural problems but won't do anything about it...
Resolved Question: If a 2008 Retiree Had Invested All FICA Taxes in an S&P 500 Mutual Fund Over the Last 40 Years...? (Mon, 01 Mar 2010 15:54:34 GMT)
and that person was never more than a median wage earner, how much more or less would they have compared to the Social Security Retirement System if they retired at the bottom of the crash in 2008? THE ANSWER: 400% MORE. LEARN BASIC MATH LIBERALS. Red, Someone at the poverty level makes 180% more. Get an education, son. J.C.
Resolved Question: Veteran Indian politician Nanaji Deshmukh takes his last breath. How do you remember him? (Sun, 28 Feb 2010 03:33:03 GMT)
Nanaji Deshmukh, the person who is one of the person reponsible for establishing RSS and Bharatiya Jan Sangh in several states including then biggest state of India Uttar Pradesh, died on Feb 27 at the age of 1994. Other than his hard work in setting up RSS and BJS in UP and other states, he was the one who established the first Saraswati Shishu Mandir in India. He was the one who started the RSS mouthpiece Panchjanya. He was the one who brought socialists and BJS together and the first Non-Congress government was formed in India. And per his belief, that politicians should retire at the age of 60, he retired at the age of 60 from public life in 1980. Since then he was running Deendayal Research Institute founded by Nanaji himself in 1972 which is associated with The Wadia Group Apeejay Education Society (AES), Indian Council of Agricultural Research (ICAR), Khadi and Village Industries Commission (KVIC), India Development and Relief Fund (IDRF), Madhya Pradesh Council of Science and Technology (MPCST), India Development Coalition of America (IDCA), Department of Elementary Education (DEE), The Sir Dorabji Tata Trust, Ayurveda Yoga & Naturopathy Unani Siddha and Homoeopathy(AYUSH) and Sewa International (SI). Since his retirement, he issued only one political statement, that I don't want to mention now. How do you remember Nanaji? How do you want to pay tribute to him? I pay tribute to him for his post political life as a good social worker. Shy, I reserve rights to select my best answer. And all the information provided by 3rd Umpire is on Wikipedia. http://en.wikipedia.org/wiki/Nanaji_Deshmukh Did you see, that I paid tribute to him for his social work after retiring from public life? To All: Do you know what was the only political statement after taking leave from public life? @ The Bull, I did answer your question. Sorry, DRI is not a sangh parivar institute. To 3rd Umpire, I say the same thing to you as I said to Shy, I reserve right to select my best answer. And I don't need certificate from you whether I am biased or unbiased. All the information provided by 3rd Umpire is available on Wiki, however he shows another link. It does not matter. As far as good information is provided, the person deserves the best answer. I would have selected his answer as best answer but because of his last edit, in which he made some personal comments, his answer looses right to be selected as best answer. And I am fair according to me, and I don't care what others thing. The second best answer is from Sudan. Before selecting that answer as best answer I would like to correct him that Late Mr. Deshmukh had taken retirement from public life in 1980 and since then he was a social worker. Dr. Kalam praised a social worker not a RSS activist. And DIR is not a RSS institute.
Resolved Question: Math problems? I know they're easy. Easy 10 points? (Sat, 27 Feb 2010 18:55:16 GMT)
Annika pays 2/25 of her weekly income into a retirement fund. If she pays £42 into the retirement fund, what is her weekly income?
Resolved Question: Why would one think that companies have any other responsibility than to make as much money as they can? (Sat, 27 Feb 2010 14:01:14 GMT)
When your 401K depends on these companies making profit. Are you advocating that they give your retirement funds to the government or give it back to companies that finance your retirement? Part of making profit is helped by having a good image, but only liberal college profs believe that companies exist solely for social welfare. Bookish - You use personal attacks. That says quite a bit about your abilities be honest.
Resolved Question: foreclosure and inheritance? (Fri, 26 Feb 2010 19:27:12 GMT)
A friend's mother recently died. He is her last living heir and thus inherited all of her life insurance, money in the bank (she had just retired and received a large severance for early retirement,) and her house which had just begun the process of foreclosure. A few questions. Can he just let the house go...take the things he wants out and let it be foreclosed or will the money that he has in the bank from her insurance and severance be seized for collatoral (she had several mortgages...not sure if that is relevant.) Also, the money that he acquired would surely put him in a higher tax bracket. Is it more reasonable in this market for him to buy a small house (instead of paying rent) or to invest the money in mutual funds? He does not want his mother's house as it is in a poor location and is way to large and fancy for him (he is only 22.) A few details: He lives in NC and the inheritance is just about the same as the appraisal on the house. Thanks for any help you can give us!
Resolved Question: Does my Ex-husband have to pay child support? (Thu, 25 Feb 2010 16:56:57 GMT)
About a year ago both my ex and I paid a lot of money to our lawyers to have an agreement about the amount of child support and (spousal support which is a small amount and for a short time). Both of us, with the help of our lawyers signed the agreement and didn't have to go to court. He lost his job nine months ago. His salary used to be about $140,000 minus profit sharing, stock options and bonuses which could be at least $25000 a year, probably $40,000 a year. I am going to college now. I am going to be an accountant. I am trying to find a part time job, which would be minimum wage. When we were married, he did everything in his power to prevent me from getting my bachelor's degree or getting a job. I had to get restraining order against him because of his violence. He is from Iran and so am I. We live in America and are US citizens. He is married now and his wife makes at least $100,000 a year. She is 49 and he is fixed, so they are not going to have children and she had never been married before and has no children. He says that he doesn't have to give me a dime for my 14 year old daughter since he has no job. But he has a lot of savings and retirement fund. I am using my savings to pay for my daughter. Is he required to pay child support even if he has no job? What can I do about this. We used to live in California. He moved to Indiana, and I moved to Arizona.
Resolved Question: Want to terminate Roth IRA and convert regular IRA with Janus to Roth IRA? (Thu, 25 Feb 2010 00:18:55 GMT)
I have a Roth IRA with Vanguard, it's a targeted fund (i.e. retirement 2040 fund) - but it's pointless since I've been working at the government for the last few months and have a targeted fund through my govt. plan (401k) I have a regular IRA with another company, not Vanguard, I want to terminate my Roth IRA with Vanguard and change my other IRA into a Roth IRA. How would I do this?
Resolved Question: Where should i go to start a roth ira? (Wed, 24 Feb 2010 23:39:33 GMT)
i have a friend who has his through state farm and i read its FDIC covered to 250,000$, now should i go with it there or maybe through my bank (Suncoast federal credit union) or maybe another branch or what? Or is it even worth it to start a Roth IRA or should i jump right to a mutual fund or what, i really am lost on this subject. I'm 19yrs old and would like to start saving for retirement before its to late i don't wanna end up like my parents and be 50yrs old working 80hrs a week and etc. Please help this will affect my future lol. THANK YOU!
Resolved Question: Investment Advice: Just need Help with chosing paticular mutual funds? (Wed, 24 Feb 2010 23:01:52 GMT)
I have 90K put aside that I want to invest, I have two objectives 20K need for wedding for 3years from now and rest for retirements savings I am trying to create my own portfolio This is what I would like to do, which ticker sybols do I need to look at for these and why 40% Equity mutal Funds - $36,000 30% Government Bond Funds - $27000 20% Growth & Income Funds- $18000 10% Index Funds.- $9000 I prefer a moderate risk portfolio I forgot to include that --
Resolved Question: How would you feel if you were turned down for food stamps because the quota was full? (Wed, 24 Feb 2010 19:03:28 GMT)
I graduated from college like a good little do-bee, and I had a good job for 20 years. I dutifully paid my income taxes for all those years, part of which paid into the many federal entitlement programs, including food stamps for the needy. Now that the Obama Depression is looming, I've been out of work since May, and I don't have any employment prospects in the forseeable future. I am rapidly running through my savings, including my retirement accounts. I am facing the prospect of going on food stamps in the forseeable future. But then a terrible thought occurred to me - there are so many people losing their jobs, and they didn't save up nearly as much as I did. What if they all go on food stamps, and by the time I need them there is not enough money to pay for any more recipients? How would you feel if you paid into the food stamps system for 20 years, then when times changed and now you're the one in need, you are told "I'm sorry, there is a shortfall of funds, the program is closed to new applicants. All the available funds are going to existing participants who are in the program already." Then when you say "I paid into this system for 20 years, now you're telling me I can't get any benefits when it's my turn to get some?" Then the social worker just sneers back "Benefits were provided on a first come first served basis, Sorry, you snooze you lose!" How would you react?
Resolved Question: I heard on Laura Ingraham that the Obama administration plans on taxing 401k savings/retirement funds in 2010? (Wed, 24 Feb 2010 18:36:05 GMT)
True or False if true anyone has that legislation proposal link?
Resolved Question: should I cash in my retirement saving now that the govt wants to take over all IRA's? (Wed, 24 Feb 2010 17:59:54 GMT)
and 401k's or should I just except treasury bonds at 3% that they will give me. I know China doesn't want our bonds anymore so why should I trust them. seems to me Obama is getting desperate for more money to spend so now he's going after our retirement funds. so do I accept the bonds or bail out of my retirement no, no links, sorry. heard this on the radio several times though. new proposal in congress not sure by who. will try to get more info when I can. prison officer, your right, but i prefer silver over gold get a lot more for your money that you can use when the dollar goes belly up. already started. http://taxprof.typepad.com/taxprof_blog/2010/01/government.html
Resolved Question: what is the ultimate safest stock or fund to have your 401k money in ? (Wed, 24 Feb 2010 10:07:47 GMT)
I want to find the ultimate safest stock or fund to put my 401k savings into. I'm tired of Wall Street games and I'm too close to retirement to worry about "returns"..........safety only.
Resolved Question: Need help on 401K investments selection? (Tue, 23 Feb 2010 23:59:01 GMT)
I am not expert in investment options.I need to select from below for my 401k plan. Can any one tell me which one are good from below : DWS Stable Value Trust - Institutional Shares DWS Core Plus Income Fund - Class S T. Rowe Price Retirement Income Fund – Advisor Class T. Rowe Price Retirement 2010 Fund – Advisor Class T. Rowe Price Retirement 2020 Fund - Advisor Class T. Rowe Price Retirement 2030 Fund - Advisor Class T. Rowe Price Retirement 2040 Fund – Advisor Class T. Rowe Price Retirement 2050 Fund - Advisor Class DWS Strategic Value Fund - Class S Davis New York Venture Fund - Class A American Funds The Growth Fund of America - Class R3 Artisan Mid Cap Value Fund - Investor Shares T. Rowe Price Mid-Cap Growth Fund - Advisor Class Loomis Sayles Small Cap Value Fund - Retail Class American Funds EuroPacific Growth Fund - Class R3 T Rowe Price Emerging Markets Stock Fund DWS RREEF Real Estate Securities Fund - Class S DWS Stock Index Trust
Resolved Question: Should I file a lawsuit? (Tue, 23 Feb 2010 17:32:15 GMT)
Sorry if this is a little confusing... A family member who lived at my permanent address called up the company who I had my retirement fund with and withdrew about 14,000 dollars. They just needed to tell them my social security number and the checks were mailed to them. I was in college at the time and had no clue this was going on. I called the company, and they said that these things happen sometimes, and they have no Fraud Department. I called the police and they said I should go after the Investment company, because they didn't do a thorough job ensuring the identity of the person withdrawing the money, and it's not my problem that they allowed it to happen. Any suggestions? It was a Roth IRA retirement fund. I don't want to put the name of the Company on here. What kind of lawyer?
Voting Question: Can overpayment of retirement funds due to "administrative error" be recouped by the firm at fault 3yrs later? (Tue, 23 Feb 2010 16:53:15 GMT)
Received a retirement payout in 2006 when leaving my old job which has now been rolled into another IRA. I just got a notice from the firm saying an "administrative error occurred" and they incorrectly calculated my payout- over paying me and that I owe them $1300.00. They want the money back. Do they have grounds on which to ask for this money back?
Resolved Question: Will YOUR retirement savings become Washington’s ATM machine? (Sun, 21 Feb 2010 14:43:00 GMT)
QUOTE: "Your Retirement Plan Will Soon Become Washington’s ATM Machine" QUOTE: "Today over $15 trillion is sitting in tax-favored retirement plans, including $4 trillion in IRA accounts. Retirement savings make up 35% of all private assets. Washington is broke, the deficit is soaring and Congress simply can’t wait for Americans to retire so they can start taxing these funds. The politicians are tired of waiting; they need your money now." http://whiskeyandgunpowder.com/the-obama-retirement-trap-has-started/ .

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