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Retirement savings : February 2008— The Retirement Savings Contribution Credit, or "saver's credit" has great potential to effectively target a retirement savings tax incentive to ...

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Retirement savings : April 8, 2007 -- Our readers are retirement super savers -- and we're happy to pass along some of their retirement-savings strategies. Plus, we add some Kip Tip...

Retirement savings : April 1, 2007 -- Author: AXA Equitable What It Is: A survey of 6,915 people between the ages of 25 and 75 in 13 countries. The main sample from the U.S. included...

Retirement savings : February 25, 2007 -- Saving for retirement is about to get a whole lot simpler -- so simple, in fact, that in the near future about the only thing you'll have to do to...

Retirement savings : December 3, 2006 -- Byline: Jim Brooks Dec 03, 2006 (Money Management - ABIX via COMTEX) -- Australians are living longer than ever and need to fund a long...

Retirement savings : April 28, 2008 -- As the general election fast approaches, it's interesting to examine the retirement savings proposals of the various presidential candidates to see...

Retirement savings : April 8, 2008 -- OAK BROOK, Ill., April 8, 2008 /PRNewswire/ -- A complimentary 90-minute educational seminar, sponsored by Millennium Trust Company, will be held at...

Retirement savings : March 31, 2008 -- In last week's column, recent survey findings from a TransAmerica Center for Retirement Studies, which painted a rather dismal picture of declining...

Retirement savings : February 24, 2008 -- Trent Charlton knew the risks when he borrowed $10,000 from his 401(k) and cut his retirement savings in half. But Charlton, a 40-year-old account...

Retirement savings : March 14, 2008 -- Dear Abby: I'm 26 and concerned about my parents' future. They are in their late 40s and have absolutely nothing saved for retirement. Dad has a...

Retirement savings : February 1, 2007 -- An inexpensive new car or a semester's tuition at a private university--that's the difference in defined benefit retirement savings for tax-exempt...

Retirement savings : I already am seeing ads for rich people to put businesses and money offshore. I think people would literally dig a hole in their back yard to save their money, as Obama wants to tax retirement savings (no, not just the interest, the savings themselves). His tax rates will put local small businesses out of business. And his supporters say it can't get any worse? Ever wonder why he wants to prefill out tax forms? Because Big Brother will be watching your income (and the internet) more harshly

Retirement savings : An associate with connections in the Obama camp says that as president Obama plans on instituting a Value Added Tax (VAT). If this associate is to be believed, Obama also plans to cancel the tax deductibility of state taxes, raise capital gains taxes, reinstate estate taxes ("death taxes"), lift the cap on the amount of income subject to social security taxes and impose a new â??Patriotâ?� tax with a confiscatory level of penalties for those who give up their U.S. citizenships/LPR. His fellow

Retirement savings : When Mr. Banks considered his monthly budget, he determined that he takes home about $4000 after taxes each month and he spends $900 on his utilities, $1200 on his loans and $800 on his other living expenses. The remainder he spends on entertainment and savings for retirement. About how much does Mr. Banks reserve for entertainment and savings each year?

Retirement savings : I am taking a finance class, and this is one of my problems. This is what it says: "Jim has been working at a local store for about 15 years, but has now decided to stop and get a new job. While at work all those years, he had been saving money for retirement. All the money he had accumulated, was put into a bank in a type of account which will earn him more money over the years, BUT, if he decides to take money out now before reaching a certain age, he will be charged for taking out his OWN m

Retirement savings : My ex pays child support directly to me at $100.00 a week. He earns around $550.00 a week and lives at home with his father. As far as I'm aware the only debt he has is a credit card which he used to take a trip overseas to visit his home-wrecker gf. His physical posessions include a motorbike and computer system. He also has approximately $20,000.00 in retirement savings he can cash in when he retires in 30 years time. Meanwhile, I drive a $2,000.00 car and have no savings of my own. I'm also

Retirement savings : retirement savings.

Retirement savings : Since last 3 years i am in Canada. I have one son.I am 35 years old. I made some good savings in Canada. Now, i am coming back to india. I am thinking to invest my money in SIP for my retirement and also for my son's education and his marriage. I read about Bajaj Capital and its SIP plans. Can you suggest me should i have to go with it or not? If there is another good scheme or plan for my purpose; please send me your reply. I preffered to invest in government sector . or you can suggest any g

Retirement savings : m mba student currently living in delhi, india. m planning to move out n permanently settle down in sm other country. please tell me which country r u from. wot r its gud and bad aspects clearly so that it helps to kno more about the place.Plz tell wot ever u feel is important to kno about the place - 1.envt, 2.ppl, 3.govt, 4.taxes, 5.climate, 6.work opportunities, 7. average std of living/ income to savings ratio , 8. post retirement benefits, 9.financial support system, 10. immigration laws

Retirement savings : My fiance and I are in the process of buying a home. We are purchasing an inventory home through a home builder and have agreed to use there financing. This will be an FHA loan. I am concerned about getting final approval. We were pre-qualified. I had some flaws on my credit report and cleared them up about a year ago. I pulled my report today and the three scores were 617, 618, and 634. My Fiance has stronger credit score at about 680-700. We both have been with our current jobs for 10

Retirement savings : I want to start saving for retirement, and I want a plan that will allow me to automatically deduct a specified amount from my checking account every week or month. Preferably a low risk tax-deferred fund. I am in my mid 40's and self employed. Any suggestions? Thanks

Retirement savings : My husband only works, I am a stay at home mother of four children ( I worked for 8 years as a lab manager before having children). How much should we be saving for retirement? He is 35 years old, I am 36 years old. We currently max out his 401K at 15% of his pre-tax salary. We also save 10% post tax into an annuity type account (life insurance also). When I use retirement calculators, they usually say we should be saving only 5% of our pre-tax income actually since we started at age 26 or

Retirement savings : At what age would you consider a person has sort of missed the boat as far as ever having a carefree retirement with no financial strains if they have not previously saved for their future? The cost of living keeps increasing so shouldn't one basically panic if they've never saved a dime and have no retirement plan through their employer and are already in their forties?

Retirement savings : and investments? At this time, I believe it is because the government prefers citizens to be dependent on it. It is nearly impossible for the middle class to save enough to be independent during retirement due to these taxes plus, why save if the government takes your money? Interest on savings is considered income which is taxed; savings is most definetely taxed. Many young people save for their retirement via the stockmarket switching to bonds and standard savings accounts when retirement

Retirement savings : tax savings, not just the interest, but the savings themselves... Pflegler says ALL white people, no matter if your relatives were here during slavery...and Obama has not ruled out cash reparations (listen VERY CAREFULLY TO HOW HE SAYS THIS), and he wants to tax your very retirement savings. Do you feel that your savings are threatened? Obama and Pfegler think you owe blacks if you're white, no matter what! http://www.topix.com/forum/source/chicago-tribune/T6G7VB2AOB7OUUUV3/p8 Obama was ass

Retirement savings : I'm 26, making about $32,000 a year right now. I am up for signing up for my office's retirement plan. I don't know how much money to put in, or wether to get a reg. IRA or a Roth IRA.

Retirement savings : I'm turning 30 this year and going to college for my first degree. I make very little and have two children. We get by ok and even have some niceties sometimes. I read that you should pay off debt before investing since the return on most investments is equal to or less than interest you pay on your debts. I have nothing set aside for retirement and have student loans from attending an overpriced night school a few years ago (grrr) to the tune of $7000. I know I can't contribute to savings on

Retirement savings : i have to make a monthly budget for a careers project...my career is an actress/ waitress(so im on a low budget)...but for some things i dont know how much money it costs...please help for the following costs: health insurance life insurance credit card (loan?) pet medical (one dog) health club..? retirement account (rrsp) investment account canada savings bond please help me figure out how much i should spend on each of these a month if im on a very low budget

Retirement savings : Hey all ! Can you tell me if this bill is definite or can it still be shot down? And no I am not trying to work the system. I lost my job of 15 years (company bought out and moved to MO) and have yet to find a comparable one. I am still looking and did take the first thing I could get making anything but even working part time 20-25 a week at Burger King I still qualify for a good part of my unemployment. As my benefits run out in September, new baby due in Nov. I need to know where our financ

Retirement savings : Just curious about what happens, I have a $50,000 private student loan out and it was cosigned by my grandmother so I could recieve a much better interest rate. I am wondering what happens when she passes away? Assuming I make my payments and my account is in good standing, they wouldnt take it away from her retirement accounts or any savings she has right? Any details are appreciated.

Retirement savings : Or do you think that the average educated person can do almost as well, and save the adviser fees? (I'm referring to savings and retirement investing.)

Retirement savings : I have about 10k saved up and about 6k in a retirement account (Thrift Savings Plan). I am 23, my only debt other than my mortgage is my car loan @11,793.00. The interest rate is 10% apr and I have 48 mos left on the loan. I have about $1000 per month leftover to save and I'm averaging 5% apy. Should I put that extra money towards paying the car off quicker or should I save most of that money? I am not eligible to refinance the car for a better interest rate due to some collections that were j

Retirement savings : If the U.S. is indeed heading toward another economic depression as some experts seem to think, what will happen to jobs? 401k plans? retirement savings (such as IRA's, savings bonds, etc)? Is there anything that can be done to prepare/safeguard ourselves in the event a depression becomes a reality?

Retirement savings : I am taking over the family business soon (Worth approx. $500,000) My parents are worried on how they will still sustain financial freedom after passing on their company to me. It is primarily a cash business and I want for them to retire without having to worry about money. They have savings but nothing is in the bank. (Old Asian generation mentality) I propose treating them like company board members that take a certain percentage from the business, while I keep the rest for expansion op

Retirement savings : dividend tax I live off dividends as my income, if he taxes that high I won't be able to afford to live like I do now. If he increases real estate taxes, I can barely afford what I pay now. If he taxes my retirement savings per se, it will reduce them and I won't be able to make it through retirement. Why is Obama such a monster? He's twisting the truth when he says he'll only tax the rich, I'm not rich, but his taxes will destroy my finances. Didn't Wright/Pflegler say that whites shoul

Retirement savings : Situation: 40 years old. About $22,000 in the hole, $10,000 of which is school loan and the other is credit card debt. No car or house payment...just rent. $1,000 in savings.

Retirement savings : i had colorectal cancer surgery on 28 feb, 2008. After surgery a problem developed where my colon was sewn back together and has increased the healing time thru sometimes toward the end of june. I am a retired military member and have exhausted all savings and i have not worked since i was diagnosed with the cancer in sept 2007. Does anyone know of any organization other than the government programs that could be of assistance with one month housing rent. I want this in the form of a loan as

Retirement savings : Anyone hear of inflation,devaluation and net presentt value? All make the thumbrule as panacea false! You do understand that the middlemen charge "handsomely" to provide you investment advice for commissions and and access to credit for more commish? You do understand that former Fed Chairman Alan Greenspan did not want exhuberant investors, aka greedy irrational stock market speculators to earn more returms on capital than conservative bond investors do? The game is rigged and only the house

Retirement savings : The hospitals are both offering financial help but I am unsure if I want to do that. They want all of our financial statements savings 401k's stocks and bonds and money market etc etc. We are close to retirement and need that money so am afraid to divulge that info if they can take it from us for my medical. Has anyone had this situation and what did you do? Thanks for any advice I don't need to stress on this LOL Barb

Retirement savings : Pittsburgh PA...I filed for divorce in 1999 and have not moved forward to finalize ...I was told that if separation can be documented there are no liabilities for each others losses or gains in that period...does that also apply to purchasing property ( I wanted to buy a home) and or new retirement savings etc...Thank you

Retirement savings : Pittsburgh PA...I filed for divorce in 1999 and have not moved forward to finalize ...I was told that if separation can be documented there are no liabilities for each others losses or gains during that period...does that also apply to purchasing property ( I wanted to buy a home) and or new retirement savings etc...Thank you

Retirement savings : I am a single mom of three and my X decided to retire very earily so as not to have to pay child support. I am struggling to keep the roof over our head. I have a small amount of savings that I have invested for retirement. Can he in any way use that against me, as I'm trying to get support from him. I appriciate your words of wisdom.

Retirement savings : I have been falling behind financially and have a lower standard of living since the year 2000. I am always getting the maximum raise (4%), but have figured out the real inflation rate for me is about 7% a year. So my standard of living is one quarter less than it was in the year 2000. The result is I have less money for fun, investment and savings for retirement. Is this common?

Retirement savings : I've been really looking into retirement income as of recently, and it's something that I've thought long and hard about. I want to ensure that I am doing as much as I can for when I retire and I'd be very grateful if you could tell me if I'll have enough money to live on from the following information and how much my yearly income would be. Retirement age - 65 My target retirement income - £6500 Monthly payments I make to my pension - £400 Monthly payments I make to my savings - £400 I ha

Retirement savings : House mortgage is 67,000 at 6.5% interest Student loans is 65,000 @ 8.0% interest Current retirement savings is 40,000 You can take the interest on student loans as a tax deduction on your taxes without itemizing which is a plus I am age 36.

Retirement savings : a. most important part of a savings plan b. allows for a more secure future c. keeps you from overspending d. federal programs that provide retirement, disability, and life insurance benefits e. shows you how your savings will grow over a set period of time f. money owed g. designates what should happen to a person's wealth upon his/her death h. first roadblock to savings i. second roadblock to savings j. allows one to save money in a retirement fund before taxes 1. 401K (1 point) 2. Wi

Retirement savings : I would love a Real Estate expert from Northern NJ area to assess the current home prices. Will it go up? will it continue to drop? I want to buy a single family house soon. I earn 100K a year (single). i have 30K in savings. I only have 2 major outstanding debts, a student loan for $11K and a car mortgage only for 400 a month, including insurance. My fico is 700++. I am noticing home prices going down but a decent single family home in northern NJ is still 300K to 500K!!! With my income

Retirement savings : First, I hate illegal drug. I don't do them, I don't smoke or consume alcohol or any type. Drug dealers WANT to keep drugs illegal..they depend on our stupidity and their living $$$! The Federal government spends over 20 Billion a year to fight drugs, State and local levels spend another 30 billion. We spend more on fighting our own people than we do on: Space, Agriculture, Food Stamps, Energy, Science & Technologies & Veterns Programs . .. COMBINED! that's $600 per SECOND 24/7 In just 20

Retirement savings : Hmmm... I think that might be a little more effective to fund my own personal retirement then having the government steal it from me and never see it again. And yes I know about the 4000 a year limit on IRA's, after that limit i would put the money into a savings account I'm being sarcastic, The government STEALS 6.2% of MY paycheck that I worked for and EARNED. Im more then happy to pay my taxes for roads and the post office and police (But not schools, public school sucks) but I do not

Retirement savings : Please help me Consider twin sisters with two different retirement savings plan: Plan 1: Cora begins a retirement account at age 20. She stars with $2000 and then saves $2000 per year at 7% interest compounded annually for 10 years. Then she stops contributing to the account but keeps her savings invested at the same rate. Plan 2: Mawiyah doesn't save any money in her twenties. When she turns 30 she starts with $2000 and then saves $2000 per year at 7% interest compounded annually for 35 ye

Retirement savings : Please help me Consider twin sisters with two different retirement savings plan: Plan 1: Cora begins a retirement account at age 20. She stars with $2000 and then saves $2000 per year at 7% interest compounded annually for 10 years. Then she stops contributing to the account but keeps her savings invested at the same rate. Plan 2: Mawiyah doesn't save any money in her twenties. When she turns 30 she starts with $2000 and then saves $2000 per year at 7% interest compounded annually for 35 ye

Retirement savings : I have a college degree and decent paying job, but no matter how much I make, I can never afford to save any substanial amount. Everytime I get a raise, some other bill or rent or cost (like gas!) goes up and I have less money. My fiance and I would like to start saving for a home, but we only have about 2K saved combined for a downpayment. How do people save such huge downpayments?? We do not spend friviously, we have almost all our debt paid off including student loans, we live in the

Retirement savings : I am 24 years old and the sales and event director of a booming event venue. I have a passion for my job and am expecting to make a $35,000+ commission at year's end on top of my $30,000 guarenteed salary. Unfortunately, I am 10-99'd. But I do have a signed agreement that my employer will pay (tax free) the extra 7.65% that I normally would not have to pay if I was on a regular payroll. I get paid weekly ($576.92/week). I have trying to set aside money to pay my taxes that I will owe, bu

Retirement savings : I'm 24 years old, and I don't have a retirement savings fund yet. I have a summer job that will match 100% every $100 contribution I make from each pay period to a Standard Life retirement fund. I will be going back to school in the fall, and probably not earning enough to put away for retirement. To avoid management fees eating away at my fund in the fall, I was thinking of transferring it to an ING Retirement Savings Account. I know I will have to pay money for the transfer. The amou

Retirement savings : Your goal is to save $2 million by the time you retire at age 65. Assume that you are exactly 25yrs old have no savings. However, you plan on making the first contribution towards your retirement account today then at age 30, 35 and 40. Given that your earning power will increase over time the amount that you contribute at age 30 will be double what you contribute today, the amount at age 35 will be three times what you contribute today, and the amount at age 40 will be four times what you co

Retirement savings : We just bought a house for $40,000 and we want to keep the house and we can afford to pay for the mortgage. we owe $15,000 on credit cards and pay about $300 a month in finance charges and barely any goes to principal we have no 401K or retirement we have no savings we have a car that we owe $7000 and that's what its worth according to research. we would like to keep that and can afford the payments. we make about $30,000 a year

Retirement savings : fdic took over bank/we have 90 days to refinance or they sell our loan with a balloon note due in dec. but they refinanced it every 3 yrs.when due after first year/we have paid on it for 4 yrs, it is an older trailor on a lot/contacted over 7 places including banks,credit unions,fdic,fed.programs/have been early on payment/what is going on?we owe no other bills/always early/fdic said it was best to refinance/can't find a lender/what happens now?same job for over 16yr. with the state/nothing fr

Retirement savings : I wish to know what options I have to enjoy my future/retirement? ISAs? Private Pension Schemes? Savings Account?

Retirement savings : I've made bad financial decisions, and have no savings to speak of for the future. I am also going back to school to for a new career,therefore am living paycheck to paycheck right now. I rent a house and have a car payment, but no major debt. I can't afford to put much money away, but what should I do? I want to improve my life and future, but am afraid that the cost of school will be enough to drain me for a while.

Retirement savings : I know people fall on hard times but for the most of us, both spouses working, paying our own way, why do we have to pay into a fund that will never benefit us anyways? Why is it that the hardest working group who receives no benefits (because ironically we make 'too much money' and even then who wants to be a mooch) has to carry the rest of the population and even then our retirement is stolen from us? I am new to this country so forgive me if you think I am ignorant. The USA has some per

Retirement savings : 23 years to retirement. I max out my roth IRA, I contribute up to my company's match of 4% in my 401k, I have one years worth of cash reserves, and, thankfully, no debt. But I only bring home around $520 weekly (bakers make dough, but not that kind!) I'm not interested in real estate. I would like to invest in funds like VFINX, VWO, FAIRX, VHGEX, AEMGX, CGMFX, and ETFs like LDF, but would it be better for me to just keep putting $150-200 weekly in my bank savings account, or in CDs and TIPs, i