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Retirement planning advice : May 9, 2007 -- Byline: Jennifer O'Donnell May 09, 2007 (Financial Planning - ABIX via COMTEX) -- Financial planners giving retirement advice to a client must...

Retirement planning advice : July 1, 2003 -- The following is another installment in our series of articles to help educate employee-consumers on their benefit programs. These articles are also...

Retirement planning advice : April 24, 2004 -- By Kim Anderson, The Free Lance-Star, Fredericksburg, Va. Knight Ridder/Tribune Business News Apr. 24--The Kuneys have a financial picture many...

Retirement planning advice : March 1, 2007 -- Baby boomers who rocked to the Beatles hit "I Want to Hold Your Hand" might wish now, as they approach retirement, that they could hold...

Retirement planning advice : March 1, 2006 -- After years of debate, a growing number of plan sponsors are deciding to begin making investment advice available to their defined contribution...

Retirement planning advice : November 1, 2006 -- What if you held a retirement planning party and no one came? When Tanner Health System, a Carrollton, Ga., health care organization, would hold...

Retirement planning advice : March 1, 2008 -- FOR FRAN HARRIS, IT'S ALL ABOUT positioning herself for the next opportunity. As a certified life coach, business consultant, and CEO of Fran Harris...

Retirement planning advice : May 5, 2008 -- Changing jobs is common in our volatile society, but what happens to retirement plans when a change is made? Financial advisors and retirement...

Retirement planning advice : September 5, 2006 -- FREMONT, Calif. -- AdviceAmerica, Inc. (www.adviceamerica.com), a leading provider of financial planning software, today announced the industry's...

Retirement planning advice : October 1, 2006 -- Byline: John Churchill Tom is one of Merrill Lynch's top brokers. He has more than a $1 billion in assets under management. But Tom (not his...

Retirement planning advice : 1. Graduate from high school with a 3.? GPA and completion of many mentoring classes - which will help with my plan. 2. Go to community college for 2 years and pay tuition with KEES and an Early Childhood Development scholarship. 3. Transfer my credits to a university which will lead to a degree in elementary education. Pay for it with a teacher scholarship & fill out FAFSA my senior year of high school. 4. Get a job as an elementary teacher after college. I decided this because I â?¥ kids an

Retirement planning advice : I do not wish to rise to the challenge because I am moving to a new job in the office. However, following the retirement of my immediate line manager in February (worked for him about 20 years), I am now leaving the team on 23 June 2008 to join another team within the organization. It has been agreed by regional director to avoid conflict of personalities at my request. My present boss has taken issue that I had a significant amount of annual leave outstanding and there is concern about the i

Retirement planning advice : Hi, The company I work for has stopped our 401k plan (3 months ago). There are only three of us in the company (myself and my two bosses) and I have a 5% partnership in the company. They pay me a profit share of 5% as an annual bonus. They do not contribute to my 401k plan. They also told me that rather than pay me my bonus as salary, they would prefer to pay it into some sort of retirement account. However, since I am trying to save up for a down payment, I would still prefer to receive

Retirement planning advice : Hello, i am a 14 year old high school freshmen guy who lives in Chicago. I am really depressed and need to get out of the situation i'm in. I asked my parents if we could move but they said no, basically because of retirement issues. i really don't care about that. so i decided to runaway. I am typing on the school computer right now. I want to go to California, maybe Anaheim or Los Angeles but i don't know what exactly to do. First thing i don't want any anwsers say i shouldn't do this. So i

Retirement planning advice : I'm planning ahead and I would like to put cash away for retirement so that I have more money to play with when I retire. I'm hoping to retire to another country and hopefully do alot of travelling so for that I am looking for a pension scheme. I'm 23 years old and I have been on the pension scheme website but it basically tells me to come back in 2010 for state pension... I don't know too much about these pension schemes. I could have a pension from my employer but I'm not too sure that I'll

Retirement planning advice : I'm in my 30',s my sister in her 20's. shes a nurse i'm a teacher. (and i know, i dont capitalize my 'i' 's-i'm lazy when it comes to the internet.) anyway, i believe in children repsecting their parents at any age. here's our dilemma: mom is 61. she pretty much abused and neglected us all or lives. we forgave her and we know she loves us in her limited capacity. we have still honored her by being kind to her and helping her whenever we can. she has not always made the wisest choices concernin

Retirement planning advice : I am a full time teacher (needless to say I currently have a retirement plan through my school district), and I'd like to find a feasible way to retire in 25 years. I have been teaching for 3 years and I am married (if that makes a difference in how you may answer my question) and we have two children (ages 8 and 1). During my previous career, I did not take advantage of any retirement or investment oppurtunities. We would like to save a reasonable amount toward our sons' college educat

Retirement planning advice : I am currently 26 years old and have a yearly income of $70,000. I have no major investments, rent an apt and have minimal debt (small student loan, small car loan and no credit card debt). My employer offers a pretty good retirement program and it's composed of 3 parts: 1. Pension at retirement ( 1.5% of my final average monthly compensation X years of credited service) 2. Employer paid retirement saving account (my employer contributes 5% of my salary per period to a savings account 3. 403

Retirement planning advice : Does anyone know specifics of which funds are large cap funds, small cap, and midcap? What is an index fund? Also, does anyone have any recommendation of percentages to put each in..... for example, the choices are dodge & cox s&p 500 index fund diversified equity fund capital growth fund large company groth fund s&p midcap index fund diversified small cap fund nasdq-100 index euopacific growth fund asset allocation fund **there are a few more choices but you get the idea....any advice, I

Retirement planning advice : My husband and I will be buying a small business (35 employees with a yearly revenue of approx 3 mil.) in less than 2 years. Some of the major suppliers are privy to this information and the lines of credit will remain in place. My husband has been employed with the co. since it's inception 21 years ago. I have been with them for 6 mos.I need to know when should we approach financial institutions and accountants to act on our behalf during the transition. The current owners are "owner financin

Retirement planning advice : My wife and I are both 31 years old, and we want to start saving for our retirement. We're interested in starting a Roth IRA, but with today's economy, we really don't know if that's the best choice, or with which company to go with. Basically we just need some advice.

Retirement planning advice : i have trowe price through employer, he matches and makes yearly bonus contribution. plan is only 5 years old. i've invested in international, large blend, health and natural resources. 18% return since inception, but the portfolio is small, my contribution minimal. this month i started contributing maximum, for tax reasons and for future. i plan to continue this for the next 5 years, pay off debts, clean up finances before retirement. but now the investment isn't 'play money', it's serio

Retirement planning advice : I was wondering what my best options would be as a 23 year old to start saving for retirement? I've been looking into 401k plans, but I really don't understand that much about them. I only want to put in $200 a month right now since I'm paying off credit cards and student loans. I gross almost $41000 a year, and I'm keeping a strict budget till my debts are paid off, which should only take about 1yr-18mo if I keep my goal of paying off $800 a month towards it. Any advice?

Retirement planning advice : Hi all.. I am new to investing. I just graduated and got my first job paying 60,000 and i need advnce on where to put my earnings for retirement. I am 24, live with my parents, and plan to do so for the next 5 years. How does this investment strategy sound. I plan to put in 1,000 a month in my 401k. We have about 10 mutual funds to choose from and im thinking about putting 30% bonds, 25% Large Cap, 25% Small Cap, and 20% International. Im just going to compare the funds available in each cate

Retirement planning advice : I am 27 and just getting started in my career. My employer gives a match 10% of my yearly income into my 401(b) retirement plan. I am married, and looking to have kids that go to college, so I want to invest with them in mind as well. Should I invest in my 401(b), a Roth IRA, or get started with a 529 for my future kids? Or is there another investment option? Any advice/insight would be helpful.

Retirement planning advice : I'm 24 and in the military. I have 10% going to my Thrift Savings Plan through the military and I was thinking about opening up an IRA. Should I open a traditional or Roth IRA? Which would compliment my TSP and what is better in the end? I'll appreciate all serious advice.

Retirement planning advice : I got canned at my last job. Now I have a new job as an assistant manager where I've been for 3 weeks. I thought everything was going great and then the manager totally bit my head off for no just reason. She says she thinks I "know too much for a new person." For corn sakes I've worked in this profession before! Of course I know things! Her implication was that I'm a corporate spy or a snitch. She knows nothing about computers and is close to the retirement age and I think SHE thinks I'

Retirement planning advice : My mother recently died and I was her beneficiary. The check that I got from it had 10% withheld due to taxes and they stated that I would have to pay more taxes. My question is what more of a percentage will I have to put aside when I do my taxes in 2008. Yes I know I have to contact a Tax Lawyer...but I was hoping for some advice from someone here first. Thanks!

Retirement planning advice : If you had purchased $1000.00 of Nortel stock one year ago, it would now be worth $49.00. With Enron, you would have had $16.50 left of the original $1000.00. With WorldCom, you would have had less than $5.00 left. If you had purchased $1000 of Delta Air Lines stock you would have $49.00 left. But, if you had purchased $1,000.00 worth of beer/wine one year ago, drank all the beer/wine, then turned in the cans/bottles for the recycling REFUND, you would have had $214.00. Based on the ab

Retirement planning advice : We have a 2004 X3 with ~31K miles. We bought it used with an extended warranty to 100K miles. We owe about $26K and have another 4 years on the loan. (Pmt $600/month) We are about even on the car as far as trade in goes. We are debt free exept for the car, a student loan and the house and want to start aggressivly adding to a current savings of $8K for emergency purposes and eventually get to where our paychecks are just for living expenses only, all other things paid off. (My husband and

Retirement planning advice : I am confused on how this work because my recruiter is telling me that they match whatever I put in dollar for dollar up to 15,000 a year. So if I put in 15k every year for my 5 year enlistment, that is 75k out of my pocket and in return 150k back to me?? Also how long do I have to wait to receive the money, because I would like to take my money out right when I get out to buy a home. I dont really want to put this away for retirement.....would I get penalized at all?

Retirement planning advice : I am 32 and working as a real estate agent. I don't have a retirement plan yet, people tell me to open a RothIRA or a simple 401k...i don't know much about these things, any advice is appreciated.

Retirement planning advice : My husband and a co-worker have been talking about this for years. About a year ago, his co-worker started the ball rolling. He has everything in place and is just about ready to "jump ship" and work soley on his own. The plan is for my husband to do the same in another year. I am scared to death. I like the security of a guaranteed paycheck and knowing we have a nestegg for our retirement. I'm not all that convinced that working for yourself is all it's cracked up to be. I have done all the r

Retirement planning advice : I am 21, I'm starting a new job that is offering me a 401k w/ OppenheimerFunds. I'm about 5k in credit card debt that isn't a problem, but the sooner I pay it off, the better. I will be making about 300-400 per week (take home). My company will match the first 3% at $1-$1, 4-5% $1-$.50, 6-7% $1-$.25. How much should I put in? I'd like to max it out, but I have bills, but I still live at home. What should I do? I plan on staying at this company for a while, if it goes over as well I hope,

Retirement planning advice : Dear Math Teachers: I was born in the Dominican Republic but raised in New York City. I want to share my story and passion with you which includes mathematics. I attended several CUNY colleges in the NYC area and earned two degrees: (1) A.A. in Liberal Arts and B.A. in Sociology. However, my true and only passion has been the world of numbers. I love algebra, geometry, trigonometry and calculus very much. So, what is the problem? I want to return to school. The practical avenue for me

Retirement planning advice : Dear Sociology Teachers/Majors: I was born in the Dominican Republic but raised in New York City. I want to share my story and passion with you which includes mathematics. I attended several CUNY colleges in the NYC area and earned two degrees: (1) A.A. in Liberal Arts and B.A. in Sociology. However, my true and only passion has been the world of numbers. I love algebra, geometry, trigonometry and calculus very much. So, what is the problem? I want to return to school. The practical av

Retirement planning advice : Dear Math Teachers/Majors: I was born in the Dominican Republic but raised in New York City. I want to share my story and passion with you which includes mathematics. I attended several CUNY colleges in the NYC area and earned two degrees: (1) A.A. in Liberal Arts and B.A. in Sociology. However, my true and only passion has been the world of numbers. I love algebra, geometry, trigonometry and calculus very much. So, what is the problem? I want to return to school. The practical avenue

Retirement planning advice : I'm pretty sure that I am going to be offered a new job. I've been at my present dead end Secretarial job for 19 years. I am going for more money and a retirement plan and that's why I'm looking for a new job. I did ask my present boss for a raise and she said that she'll see what she can do. That was over 2 months ago. Now, if they call me to accept this new job and I say yes, what happens if I submit my resignation and my boss then decides to offer me big bucks? (I think she might do t

Retirement planning advice : This is hard to explain, but I'll try, I really need some solid advice. :) -- Thanks in advance, by the way! Background on me - 31 yo married mom of 4. I recently left a job that had a State retirement plan associated with it. I socked away $10,387.90 in it during the 5 years I was employed there. I can either roll it over into an IRA or I can leave it in there and when I am 60 I can get a lifetime benefit of $195/month. So if I live to 90 (planning on it!) I'll receive over $70K. What woul

Retirement planning advice : My situation is a little tricky, because I'm pulling a 40% disability rating from the VA ($634 dollars a month). My retirement from the Marines is only $1900 (minus the $634) = $1266 (BEFORE taxes on that). I'm getting ready to appeal the decision through VA to try to get more of a % back. I'm confident that the VA rating will increase, hence lowering my actual retirement. So should I buy the 20 years back or wouldn't it make sense. My plan is to spend the least amount of time at the Post Offi

Retirement planning advice : I am not sure where to begin but my husband and I relocated to Rhode almost a year ago. I have been trying to start my business here which has been terribly difficult. After seven months of constant seeking my husband finally found a job that is earning him less money than I made at my first job. Needless to say were are not able to cover our monthly bills and have gone through most of our savings. We have a first and second mortgage but no credit card debt. The only money we have availab

Retirement planning advice : I am a chemical engineer but working in the construction industry my present work involves planning and scheduling and some costing (along the lines of project managment) I might later get involved in field engineering and seeing things are built to contruction standards and specs. I work in the oil/gas environment. I am wondering a chemical engineering background do I have much scope to grow in this field and have job security (I do realise a const boom around the world but Im thinking from

Retirement planning advice : I want to start planning for retirement and I need to know who to contact for insurance, investments, etc. and all the information and advice that goes with it. Starting a little late with all of this and the kids are off to college in a few years....I know, very late, but the funds were never there to do a thing. Any information would be great. Thank you

Retirement planning advice : Hi all. I'm a recently married college graduate who is ready to start planning for my retirement but I have no idea hwere to start. I have a smal company that does not offer a 401K or any type of retirement planning. I know that I need to create an IRA or roth IRA but my main question is how do I know what kind of mutual fund to go with, or where to put the money that I'm placing in my IRA. I don't make a lot of money yet so I wouldn't be able to put in more than a couple hundred dollars a mon

Retirement planning advice : Phoebe drives into the parking lot of the Bay Mirror. This will be her last time, she wanted to say goodbye to her workers and friends. Phoebe decided to retire her advice column â??Ask Phoebeâ?�. After talking a long pause to take in the finality of this she gets out of her car, she opens up the back car door and gets her child out of the baby carrier. Phoebe walks towards the Bay Mirrorâ??s main floor and seeâ??s everyone has been waiting for her.Happy Retirement Banners, balloons and stream

Retirement planning advice : i'm getting really curious about retirement to include making more money now. i'm 22 yrs. old and am looking for good advice to make more money and/or hear success stories from those who have retired. also, i'm currently in the military and plan to retire from the military as well, but don't want to start or continue another career afterwards. thank you.

Retirement planning advice : I have moved from Africa to Europe, I am a 40 year old divorcerd mother of three teenagers, I own two homes with no bond.I have a very small maintenance of 1500 euro's to live on with my children. I do not have health insurance, house insurance and I do not have a retirement plan. What must I do as I battle to live on what I have. I have not got a job yet. any suggestions and advise. I have only a small loan, with the bank that i am paying off monthly. Please give me some advice Is my si

Retirement planning advice : trying to better plan my retirement & hear that I can collect some sort of compensation for being married 10 yrs. or more...true/false? don't want to stir the ex or the new wife, is there a way I can find this out? i have pertinent info on the ex, ex:ss#. what advice is out there? thank you!

Retirement planning advice : I'm in my early 20's and I'm looking to invest 5k yearly to an Roth IRA account. I've recently decided on vanguard and I want to know which type of Mutual Funds suit me the best? Back to topic:I already have an Roth 401k plan (fidelity) with my company which I contribute to as well. I contribute about 4k yearly in this plan. ( This is my main retirement plan which I plan to go a little more risky since its a 35+ year retirement plan). In fidelity, How would I go in picking some Mutual funds ?

Retirement planning advice : Are you comfortable with your retirement income or do have a hard time making ends meet? What advice would you give to the youngsters to help them plan a better retirement?

Retirement planning advice : i'm 27 yrs old. i live in the virginia area. i have no kids. i 'm nt married. i'm working 2 jobs so that i can have survive. i plan on going to school in the fall of 2008. what i want to do is drop one of the jobs & probably try to get a 2nd job working from home on the internet. can that be done? i know in the past my budgeting skills weren't always the best but i'm getting my life together & i want to be successful & be happy. does anyone suggest getting an CD'S OR MONEY MARKET accts? how a

Retirement planning advice : 1) Currency Value within a Country 2) Job Opportunities within a Country 3) Income-living cost ratio In a utopian world, the best thing to do would be to travel to a country with a strong currency, few expenses, and good job opportunities so that when retirement comes around you can travel somewhere with a weak currency and cheap living standards, being able to live in luxury. For example, working in a country with US Dollars and then moving to Europe would be counter productive because you

Retirement planning advice : My corp. has gone private so I'm no longer able to get stock. Sould I increase my pre-tax 401K contributions ( currently I 'm only contributing up tp the company match) or should I take the extra money (post tax) and open a Roth IRA? Any other advice would be appreciated. Thanks...Rob Should've given more info. My 401k is diversified and since the company did a stock buy back... I 'm trying to determine what to do with the portion of my income that used to go toward co. stock. I'm 44, my

Retirement planning advice : Well, I'm a first year college student who is thinking about his future! Currently, I only have $164.54 in my checking account and the money that I have beside that are in change or for spending money! I'm looking for options in how should I invest of what I have now! In addition, I don't know anything when it comes to retirement plans beside their names, but I need advices on retirement, too! See, my goal is to one day, own a home that cost at least a $1,000,000!

Retirement planning advice : Help. I am about to start investing in a retirement plan at work. We have 2 choices; 457 and 401k. What is better? I've heard many different things. Half in 457 and half in 401k, all in one and all in the other. I plan on putting 10% of my gross, which I have heard is a good number. Any sound advice would be greatly appreciated :)

Retirement planning advice : My dad was 56 and he was an owner/operator therefore he did not plan for his passing. He had no written will, no life ins, no retirement just alot of bills. It is just my sister and I she is 18 and I am 31 with two kids. His one wish was to keep his house which has a $3000 a month mortgage payment we are not sure what to do, the expenses from the funeral and autopsy we barley covered we actually still owe for the services. I am just at a loss I am the oldest and have limited income my sist

Retirement planning advice : i have a tax deferred 457 plan from my employer, the max i can contribute is 15,500 a year. i also want to open up a ROTH IRA on the side the max i can contribute to that is 5000 a year. should i focus on the ROTH of the 457? i dont want to over invest for retirement...advice please~

Retirement planning advice : I need to know how I can obtain a good retirement plan, for the next 30 yrs. Work a low income occupation, (less than $14.00 hrly).At least by my states standards, & have less than $10,000 saved in interest returned CD's. How can I invest without losing what I have. Have daughter attending college on a 4 year grant, thankfully! Plan to have a new career plan, that will bring in more income, within the next 12 months. Please only serious replys, I'm starting over & want a fresh & productive sta

Retirement planning advice : my wife and i are wanting to invest a small amount of money over a long period of time but not sure where to start or in which market we should start any advice would be great since i dont actually know anyone who trade or invests outside of a normal retirement plan

Retirement planning advice : I want to start a retirement plan for atleast 20 years. I am adviced by an insurance advicer to go for single premium retirement policy from HDFC with minimum possible premium of 25000 & was told to top up it whenever I want. I am told following benifits- 1. Only 6% allocation charges in first year. Then I can top-up (unlimited topup are allowed as no insurance attached). Top-up charges are 97.5% in first year & 99% after first year. It is best option possible. It also gives me flexibility t