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Articles by Shane Flait

  • Use Your Investments to Curb Inflation's Effect of Your Fixed Annuity
    If you worry about how to juggle your investments and withdrawal rates to preserve your retirement income, you may be better off just buying an annuity contract. It'll pay you a fixed payout for the rest of your life. But inflation is the bane of fixed payout investments. Here are some considerations for handling both an annuity and inflation to keep your purchasing power more or less constant.
    Published 15Feb2012, viewed 75 times
  • What's This about Guaranteed Acceptance Life Insurance?
    It's hard to miss all the TV Ads that offer it to you. They're clearly targeting older retirees. What's it all about? If it's not a scam, how can an insurance copy offer it and not get ripped off itself? Guaranteed acceptance life insurance means what it says: you apply for it and as long as you can pay for it, you get it with no medical exam and no medical questions! Here's the deal....
    Published 16Feb2012, viewed 92 times
  • How to Put Your Life Insurance Records in Order
    You haven't done everything you should about your estate planning if you haven't made your records understandable and accessible by those you leave behind. When you're gone, others have to find your records so they can to take actions on your holdings - actions you want them to take. Let's see how to get your life insurance on your life in order for your spouse or another to act efficiently when the times comes.
    Published 15Feb2012, viewed 135 times
  • Trusts Can Solve Many Estate Planning Concerns You May Have
    Estate planning ultimately concerns transferring your wealth to whom you wish when you die or become incompetent while effectively dealing with issues of taxes, publicity, asset protection, or your health and care. To address these concerns and issues effectively, you often need an entity other than you or your spouse to hold assets, to distribute money correctly, and to carry out your wishes when you no longer can. That entity is a trust.
    Published 12Feb2012, viewed 85 times
  • Use a Land Trust as an Asset Protection Device to Hide Your Real Estate
    A key part of financial planning is protecting your assets from unfair and aggressive claims against you based on your apparent wealth - or ability to pay. Of course, nothing makes you so vulnerable to such claims as the visibility of your wealth. Using a land trust, you can help hide some of your real estate holdings. Here's the scoop...
    Published 11Feb2012, viewed 75 times
  • Take Company Stock Out Before Moving Your 401(k) Plan Money to an IRA
    It's common to rollover your company plan - such as your 401(k) - funds into an IRA or into another company's plan if you decide to continue working. But whatever you do - don't rollover any of your company's stock you bought within your company's qualified plan. Take advantage of serious tax savings on them by taking them as a distribution while rolling the remainder of your company plan into an IRA.
    Published 08Feb2012, viewed 48 times
  • How to Convert an Inherited Company 401(k) Plan to a Roth IRA
    The Pension Protection Act of 2006 (PPA) permits you to convert your company retirement plan assets, including a 401(k), 403(b), and 457 plans, directly to a Roth IRA. Of course, you must pay the income tax on the conversion of a deductible company plan to the Roth IRA. You can do this if you're the owner, the owner's spousal beneficiary or the owner's non-spousal beneficiary.
    Published 05Feb2012, viewed 79 times
  • A 1035 Exchange Offers a 'Tax Free' Way to Change Life Insurance Policies or Switch to an Annuity
    When preparing for retirement, you need to re-evaluate your insurance needs. Perhaps, you may have a cash value life insurance policy that doesn't offer what you need now. You may decide to cash it in or sell it so you can buy another insurance product. But you'd have to pay taxes on any gain you make on your policy. But with a 1035 exchange, you can bypass any immediate taxes while converting your policy to something better suited to you.
    Published 23Jan2012, viewed 58 times
  • State-Imposed Feminism Needs To Vilify Fathers for Control of Family
    'Domestic Violence' is the Orwellian phrase for justifying women-favored family court outcomes that ignore the rights of fathers while enslaving them to the mother and the state. So what does such a phrase engender to those 'in the know'?
    Published 12Jan2012, viewed 36 times
  • Early Social Security Benefits with Working a lot Doesn't Make Sense
    If you think you'll take your Social Security benefits early but still continue working a lot, you may want to consider if it makes good financial sense to do so. The Social Security Administration creates disincentives for taking Social Security before your full retirement age. Here's how they work it.
    Published 10Jan2012, viewed 159 times
  • 2011 and 2012 Deductions and Exclusions for Your Long Term Care Insurance
    HIPPA provides for deductibility of qualified long term care (LTC) expenses and excludes from taxable income your qualified long term care benefits. This is provided to you as an incentive to take financial responsibility for your long term care. As you age, you get higher deduction limits for LTC premiums payments you make. This helps retirees. Let's see what the tax advantages are.
    Published 07Jan2012, viewed 122 times
  • Radical Feminism Is the Result of Imposing 'State Feminism'
    I often hear that radical feminists are perverting the laws in favor of women while undermining the rights of men and essential fairness in law. This reveals the misunderstanding that many men and women have about what both feminism and its state implementation means - and what freedom means. This article addresses these misunderstandings.
    Published 09Jan2012, viewed 44 times
  • Answer These Questions to Help Prepare for Retirement
    Here's a way to taking control of your retirement. It'll make you feel comfortable and assured. Just answer these questions to get you into the swing of things. Searching out their answers will put you in control.
    Published 05Jan2012, viewed 64 times
  • The Feminist Mindset Ensures an Invidious and Sexist State-Imposed Tyranny
    This article shows how the feminist mindset inculcated into much of our society and its laws has helped to destroy our freedom. It opposes what freedom stands for and represents a thought process that can only breed the tyranny - a malicious and invidious women-privileged tyranny - we now face.
    Published 17Dec2011, viewed 157 times
  • Use a 'Pour-Over Will' for Whatever Doesn't Get into Your Trust
    A 'pour-over' Will pours into your trust everything you didn't get into your trust before you died, but was meant to. This article explains how a 'pour-over' Will is a good idea to have since some of your possessions may not - perhaps for reasons beyond your control - get into your trust while you're alive. Your 'pour-over' Will brings those excluded assets into your trust after you die.
    Published 17Dec2011, viewed 171 times
  • Understand Who Gets What under Your Will's Wording
    Writing your own Will can be tricky. That's because you're not practiced in thinking about all the changes in circumstance that can radically alter who gets your legacy. You may think you know where your money will go but you may be wrong. This article gives you some examples that may stimulate more thought about making your own Will.
    Published 12Dec2011, viewed 90 times
  • What to Consider When You Make Your Will
    You can pass property to specific people in a number of ways when you die. But if you're going to use a will to pass property on, here are some basic issues to consider.
    Published 09Dec2011, viewed 57 times
  • The Unobscured Tyranny Fathers Face under Family Court Justice
    Using unconstitutional excuses of 'best interest of the child' and 'abuse of women', family courts, and at mother's whim, civilly rapes fit father of their rights, their children, and their property, daily. Here's the 'what and why' of it unobscured by propaganda.
    Published 12Dec2011, viewed 96 times
  • Key Points to Know About a Will
    No matter what ways you've chosen to 'pass on' your property, you should make a Will to show your intentions about any property that remains solely in your own name. This article addresses some key points to realize so you don't delay making a Will.
    Published 08Dec2011, viewed 66 times
  • Two Ways Beneficiaries Can Contest Your Will After You Die
    With your Will, you're telling the state how you wish your assets to be distributed. But after you die, a beneficiary, or someone left out, can still contest your Will on either of two grounds. This article explains these grounds and thereby shows you how you can preserve your wishes against someone contesting your Will.
    Published 04Jan2012, viewed 57 times
  • Having a Will or Not - What's the Difference
    It's easy to put off making your will. Thinking about your death is depressing and, besides, you're not sure of all that you have and what happens to it anyway. This article introduces you to just these issues.
    Published 06Dec2011, viewed 66 times
  • Ensuring Equal Opportunity Initiated State-Imposed Feminist Tyranny
    When people think of feminism, most think of equal opportunity for women. It's simply an idea and, perhaps, a goal for some. But when feminists pushed to force equal opportunity on society they initiated a state tyranny that transforms society in their image and undermines equal opportunity and freedom. Here's why...
    Published 10Dec2011, viewed 87 times
  • Allocate for Purpose then Diversify to an Acceptable Risk
    Everyone needs an investment approach that serves his situation. Your situation determines both the purpose and associated risk your choice of investments must achieve. This article provides an understanding about how to choose investment types for your situation.
    Published 06Dec2011, viewed 62 times
  • Get More Income and Tax Breaks from Your Other Home
    If you're looking for more income, why not let your other home help you out? You may have been using it just for yourself, but now you need more income. If you turn it into an investment property you'll not only bring in some income but increase your tax breaks for holding it.
    Published 17Nov2011, viewed 70 times
  • Naïve Fathers in Family Court Are Kept Confused and Helpless for Money
    Most fathers are dragged into family court by women-filed divorce and paternity complaints. They're not as aware as the women are about family court outcomes. Unfortunately the family court and its lawyers maintain a father's naivety and confusion about the protection of his unalienable rights including his right to continue to parent his children for their own protection and profit.
    Published 17Nov2011, viewed 209 times
  • Retirees Should Consider Investing More in Real estate
    If you're starting your retirement, consider your portfolio allocation strategy - i.e. how to split your money among different asset categories. You'll want investment income to cover living expenses but you'll also need long term investments to maintain your portfolio's value against inflation damage. Here's why real estate investments can deliver both of these.
    Published 14Nov2011, viewed 127 times
  • Use IRA Distributions to Buy Rental Real Estate or Your Condo
    Many new or about-to-be retirees have a lot of money tied up in their traditional IRA. Withdrawing that money immediately makes it taxable income. That can hurt. But, if they buy and maintain real estate for its rental income with those IRA distributions they can shelter those taxable distributions while creating retirement income or a condo to live in.
    Published 13Nov2011, viewed 132 times
  • Use a Roth IRA If You Must Buy Real Estate Within Your IRA
    You can buy real-estate within your IRA, but it's best to have enough IRA money to buy without a mortgage. Some retirees can do this. This article explains why they should use a Roth IRA rather than a traditional (i.e. deductible contribution) IRA to do this.
    Published 12Nov2011, viewed 112 times
  • Family Court Sets Up Fathers to Lose Their Children, Rights and Future
    Mothers initiate most divorce and paternity suits.They know the court will give them the children and a good fraction of the father's weekly income for up to 22 years; and if married, most of his property. That's why divorce and paternity suits, and growing fatherlessness dominate our society. It proves the family court denies fathers their constitutional rights and protections - including his right of equal protection. Here's the set-up...
    Published 11Nov2011, viewed 79 times
  • Should Retirees Consider Real Estate Investing With Their IRA Money
    Yes, you can buy real estate with your IRA money. And retirees often have a lot of IRA money and are wondering how they can use it for real estate investing. This article overviews the advantages and disadvantages of real estate with IRAs.
    Published 10Nov2011, viewed 116 times
  • Feminist Jurisprudence Alienates Fathers from their Unalienable Rights
    Fathers can't believe they're treated so badly in Family Court - like criminals - when they've done nothing wrong. Like each of us, they understand our fundamental rights are supposed to be protected, especially in a court. But what they don't know is that feminist jurisprudence has infiltrated our court systems leaving their fundamental rights a distant second to the greater good excuses of a state-based judicial tyranny.
    Published 08Nov2011, viewed 179 times
  • An Ultra-Short Bond Fund Can Give You the High Income You Need
    You may be getting your earnings income from CDs or money market funds but you're still looking for even higher interest earnings.Try an Ultra-Short Bond (USB) fund for higher interest rates but at a somewhat greater risk. A USB fund invests only in fixed-income instruments with very short maturityies - about 1 year. It seeks higher yields than money market funds but with less price fluctuations than a typical short-term (1-3 years) bond fund.
    Published 07Nov2011, viewed 61 times
  • Let Your IRA Fund Your Young Beneficiary's Retirement
    Leaving some or all of your IRA to your young child or grandchild can enormously help fund his own retirement. Today, young people are already burdened with high taxation, perhaps poor job prospects, and many living costs that make it difficult to fund their retirement. But the tax-deferred or tax-free growth over many years of their inherited IRA from you may solve much of their retirement concerns. Here's how.
    Published 06Nov2011, viewed 95 times
  • Feminist-Controlled Family Court Laws and Procedures Give Women Incentive to Divorce
    I've done nothing wrong and I'm a fit parent. So will I be able to parent and directly care for my children after a divorce or paternity suit? Yes, if you're a mother; just sit tight and insinuate misgivings about the father. No, if you're a father; you get the run-around so it's not obvious that you won't, nor why you won'. Here's why.
    Published 06Nov2011, viewed 89 times
  • Use a Reversionary Annuity to Provide for Your Surviving Spouse
    If your income doesn't make adequate provision for your spouse if she survives you, you might consider a reversionary annuity to make a better income provision for her. This article explains when and how a reversionary annuity can be effective.
    Published 17Oct2011, viewed 210 times
  • When Can You Buy or Own Life Insurance on Someone Else's Life?
    A person generally buys a life insurance on his life to supply the death benefit - cash - to his beneficiary when he dies. But can anyone buy or own life insurance on someone else's life. That's what this article addresses.
    Published 15Oct2011, viewed 168 times
  • Avoid Irreversible Decisions Before You Create a Good Retirement Plan
    Irreversible decisions are those retirement options you choose that cause significant loss of your money to taxes or restrict how you can receive your money. Don't make such decisions until you're comfortable with how you'll move through your retirement years. This article points out what to watch out for.
    Published 10Oct2011, viewed 71 times
  • Husband's Early Retirement Will Lower Wife's SS Entitlement Benefits
    Usually, about 50% of people eligible to collect Social Security at 62 begin to collect it then. But collecting your Social Security benefits (i.e. income) before your full retirement age (FRA) will permanently reduce your benefits. That reduction is about 25% if you begin at age 62. This article explains how beginning your Social Security benefits early will limit your spouse's Social Security marriage entitlement benefits.
    Published 08Oct2011, viewed 137 times
  • Retirees Can Use Fixed Term SPIAs to Keep in Control of Their Money
    Today's retirees often don't have a company pension. Their only steady source of income is their Social Security benefits (SSB). But often that's not enough and they want to count on an income that'll cover their living expenses. If they've acquired a decent amount of savings they can use an annuity to assure them an adequate income without losing control of their money. Here's how.
    Published 06Oct2011, viewed 164 times
  • How to Accomplish Complete Diversification with Mutual Funds
    Diversifying your portfolio reduces the risk that the demise of any one company, investment area or market will rob much of your portfolio's value. But how do you approach diversification especially if you have a limited amount of money. Here's an approach using mutual funds.
    Published 18Sep2011, viewed 144 times
  • Create a Supplemental Needs Trust to Help Your Disabled Adult Child When You Die
    If you're caring for an adult child who is permanently disabled, you may worry about how well he'll be cared for after you're gone. He or she may be mentally, physically, or emotionally disabled and able to qualify for Medicaid. But you may want to help him with your money for those 'extra needs and care' that can make a big difference in his life. Here's what to do...
    Published 17Sep2011, viewed 163 times
  • Failing Health during Retirement Brings You through 3 Distinct Financial Stages
    Determining how much income you'll need to get you through retirement can be tricky. We can't predict how long we'll live nor how our health will fare over the duration. It's wise to consider how failing health may bring you through different financial stages - each with its own income demands. That's what this article is about.
    Published 14Sep2011, viewed 149 times
  • CEDAW's Imposition on Member States Is Part of the Feminist Fraud
    CEDAW, the Convention of the Elimination of all Forms of Discrimination against Women, is a human rights treaty for women adopted by the United Nations. It espouses equality and non-discrimination based on sex and requires UN member states to adjust their laws to abide by it. The fraud is that whatever laws discriminates against men but favors women is OK with them. Here's a typical example...
    Published 14Sep2011, viewed 198 times
  • Choose a Successor Trustee for Your Living Trust Who Can Do What's Needed
    When you set up your revocable living trust, it's you who is the grantor and, generally, the trustee of it. But when you die, you'll need a successor trustee to handle all the obligations that your death creates. Because there are quite a few obligations to carry out, choose a successor that can handle them.
    Published 11Sep2011, viewed 152 times
  • Advocating for Lower Child Support Payments Undermines Awareness of the Tyranny Fit Fathers Face
    The U.S. requires the states to review their child support guidelines. Family court judges oversee hearings where anyone may give his opinion on current state child support guidelines. Fathers groups who push simply for more reasonable (lower) child support payments lend justification of a tyrannical system that controls them and, thereby, help cover up the real denial of rights they face.
    Published 09Sep2011, viewed 155 times
  • Estate tax for 2010 and the Modified Carryover Basis Option
    The estate tax for those dying in 2010 gives you a one-time only choice of two ways to be taxed. You can either opt for a $5 million exemption and pay 35% estate tax on any excess value of your estate or you can opt for an unlimited estate tax exemption which essentially eliminates any estate tax. But the latter option comes with a carryover basis for inheritors - and that can make a big difference.
    Published 08Sep2011, viewed 138 times
  • A Living Trust for Avoiding Probate and More
    Probate is a legal process of settling the financial affairs of someone who dies. It can be a time-consuming and costly process. Since it addresses property held solely in the name of the deceased that doesn't pass to someone automatically, you can avoid probate by having a trust - a living trust - own all your property. But setting up a living trust can accomplish other purposes too.
    Published 06Sep2011, viewed 167 times
  • The Meaning and Avoidance of Probate
    Probate is the legal process by which assets that are titled solely in your name are transferred to your beneficiaries and spouse according to your will and your state's law. If you have no will, then your state's law completely determines who gets what. The process can be time consuming and expensive which are reasons to avoid probate if possible. Here's the scoop...
    Published 03Sep2011, viewed 137 times
  • Strategies for Retirees to Create Their Retirement Income and a Legacy
    About-to-be retirees wonder how they can arrange a retirement income for themselves yet still maintain a legacy for their kids. Here are a few strategies to consider based on their pre-retirement income and savings. Use them to fashion your own approach.
    Published 19Aug2011, viewed 186 times
  • Advantages and Disadvantages of Fixed, Life Annuities for Retirement
    A fixed, life annuity will pay you a fixed income for as long as you live. This is a very attractive feature of a retirement investment to which many soon-to-be retirees give serious consideration. But all investments have both good and bad points, and fixed annuities are no exception. Here, I overview some of a fixed life annuity's advantages and disadvantages.
    Published 12Aug2011, viewed 271 times
  • Use Life Insurance to Complement Your Pension Payout Plan
    Ensuring the best possible income for you and your spouse during retirement until you both die is important. You can use life insurance to enhance your company pension payout plan choices. Here's a couple of ways to approach ensuring an income for both your lives.
    Published 10Aug2011, viewed 213 times
  • Switching Life Insurance Policies - Keep This in Mind
    As you approach retirement, your life circumstance is geared to change. Because your life insurance needs depend on your circumstance, it's geared to change too. So switching life insurance polices becomes a consideration. But here's what to keep in mind.
    Published 07Aug2011, viewed 141 times
  • Feminist 'PC' Media Covers-up Family Court's Tyranny against Fathers
    The unconstitutional denials of fundamental rights that fit fathers face in family court are outrageous. Fathers, their children, and, of course, freedom are being destroyed daily. The feminist-instigated politically correct (PC) media doesn't want you to know about that. It's not part of 'the agenda'. So any such news is obscured, slanted or more generally ignored to enforce the PC view of how you should perceive what's happening.
    Published 07Aug2011, viewed 330 times
  • What are the Tax Consequences to the Beneficiary of My Annuity
    Retirees especially like annuities because annuities can assure them an income for life. But some retirees will die before beginning their annuity or receiving all their guaranteed annuity benefits. Their beneficiaries will then receive those benefits. This article explains how those beneficiaries are taxed on those benefits.
    Published 06Aug2011, viewed 175 times
  • 'Father' Film Dropped by Amnesty International under Feminist Pressure
    Feminists use pressure tactics in government and media to cover-up the injustice that fit fathers face in family courts here and around the world. Amnesty International, a human rights organization, dropped a film in its own sponsored competition when some finalists produced a film that exposed the denial of rights fathers faced under Sweden's family court - a film that angered feminists. Here's what the film said...
    Published 03Aug2011, viewed 193 times
  • What You Should Know about Level Term Life Insurance
    As you approach retirement, you may still have reasons to own life insurance at least for a while. You might consider 'level term' life insurance as an option. Here's what you should know.
    Published 03Aug2011, viewed 123 times
  • IRA Catch-Up Savings and Tax-Free Income for Nonworking Spouses of 'Soon-to-be' Retirees
    Usually, you need to have a working income from which you can make your IRA contributions. The exception to this rule is for a nonworking spouse. She can make contributions to either a deductible (traditional) IRA or a Roth IRA based on her working spouse's (husband's) income. This exception gives 'soon-to-be' retirees an opportunity to contribute more to their retirement savings and create nontaxable income during their retirement income.
    Published 01Aug2011, viewed 129 times
  • Does Medicare Ever Pay Your Long Term Care Costs - Yes and No
    Medicare generally will not pay for the cost of long term care (LTC) because Medicare pays for only medical help - not nonskilled living assistance care which is what LTC refers to. But often a situation of LTC occurs in conjunction with a medical problem. Then Medicare will pay - but only for a short term. Here's the scoop...
    Published 16Jul2011, viewed 125 times
  • Ways to Handle the 5 Year Transfer Rule in your Medicaid Planning
    'Medicaid Planning' refers to transferring your assets out of your control so you can qualify for Medicaid coverage of your long term care (LTC) costs as an impoverished person. This article orients you to this process and suggests ways to handle it.
    Published 14Jul2011, viewed 291 times
  • Government Cover up of the Tyranny against Fathers, Families, and Freedom in Family Court
    Under divorce and paternity suits, our family courts ignore all constitutional protections and rights when they deprive fit fathers of their parental rights and then extort enormous payments from them for the mothers for whatever use they desire. Fathers are made virtual slaves of the mother and state. This article shows how this tyranny remains hidden by power, money and the feminist agenda associated with government entities.
    Published 13Jul2011, viewed 196 times
  • How to Keep Control of Your Elderly Parent's or Spouse's Assets
    Often, an elderly parent or spouse may have always solely owned and controlled his assets for the benefit of himself or a spouse. But his sudden death or incapacity can prevent those assets from being used by the very people he wanted to help. This article explores what's in jeopardy and how to quickly remedy the situation.
    Published 13Jul2011, viewed 319 times
  • Ways for Soon-to-be Retirees to Protect and Preserve Their Assets
    If you're in the 62 to 65 year old range, you're getting ready to retire. And you have a remaining life expectancy that's statistically about 20 years or more - still a long way to go. Be sure to prepare to preserve your assets for the long haul. Here are a few things to work on.
    Published 12Jul2011, viewed 199 times
  • Media Ignores Father's Family Court Suicide to Coverup Government's Feminist Tyranny against Fathers
    Divorced Father, Tom Ball, wrote a 15 page statement before committing suicide by setting himself on fire on the steps of a New Hampshire family court. It showed how present unconstitutional policies of Family Court influenced by the Violence Against Women Act destroys fathers and hurts children. The PC media has ignored this news, for which Tom sacrificed his life, to cover up the court injustice that affects every father across this country.
    Published 11Jul2011, viewed 306 times
  • How Does a Viatical Differ From a Life Settlement?
    If you have a life insurance policy with cash value assigned to it, you can probably sell it. Both Life Settlements and Viaticals involve selling a life insurance policy. This article explains how they differ.
    Published 09Jul2011, viewed 189 times
  • How Lost Insurance Policies are Handled When the Insured Dies
    Getting older makes it easy to forget things like where your insurance policy is. So if an insured dies, what can a beneficiary - if he knows he's a beneficiary of a lost policy - do, and what happens to the insurance policy in the mean time? This article answers these questions.
    Published 04Jul2011, viewed 249 times
  • Feminist Fraud Factions That Cover-Up the Tyranny against Fathers in Family Court
    Fathers are being destroyed under the tyrannical feminist policies of family court. A massive state industry is based and funded on its anti-father court judgments. This article overviews the various factions in this industry and within society that help cover up this tyranny against fathers, family and freedom.
    Published 03Jul2011, viewed 155 times
  • Father Commits Suicide on Steps of Family Court and Leaves Statement Why
    Tom Ball set himself on fire at New Hamphire's Superior Courthouse June 15, 2011. As a father of three children, he battled against an unconstitutional anti-father and destructive process that family courts impose on fathers. He sacrificed his life to introduce his 15 page statement explaining the unjust processes that fathers face, a call to fight for freedom, and his love for his children. This article excerpts portions of his statement.
    Published 21Jun2011, viewed 229 times
  • Hedge Funds Are Risky for a Reason
    Hedge funds pool investors' money to invest those funds in financial instruments to make a significant positive return in all kinds of markets. This isn't easy, but hedge fund managers use a wide set of investment practices that may increase the risk of investment loss. Here's how they work...
    Published 18Jun2011, viewed 255 times
  • Exchange Traded Funds (ETFs) Offer Flexible Investment Approaches
    Exchange Traded Funds (ETFs) offer low expense ratios and high trading flexibility. That makes them attractive alternatives to traditional mutual funds. And they can serve as part of both long-term and short-term investment strategy. Here's the scoop...
    Published 16Jun2011, viewed 281 times
  • Unaccountability Breeds a Profitable Corruption Scheme in Family Courts
    An unaccountable and self-managed legal community will necessarily evolve for its own benefit, behaviors, rules, and judgments that abridge our constitutional principles. Lord Acton's phrase, "power corrupts; absolute power corrupts absolutely" is ever in operation, and no place more effectively than through the legal scam that is destroying fathers, families, and freedom in our Family Courts. Here's why...
    Published 15Jun2011, viewed 162 times
  • Why Trusts Help You in Estate Planning
    You do estate planning to handle your affairs when you no longer can and to distribute your estate to your beneficiaries. Transferring your wealth effectively and efficiently is important so it goes to the beneficiary you choose and minimizes tax losses. Using a trust can help you accomplish this. Here's why...
    Published 13Jun2011, viewed 204 times
  • Immunity of Judicial Elites Sets the Stage for Family Court Injustice
    Judge-made judicial immunity laws along with special interest-driven judicial appointments encourage judges' arrogant and fearless implementation of violations of due process and anti-father judgments. They have, by their behavior, generated a divorced-based and fatherless society of mother-headed families supported by state-enslaved fathers. Judges are the lynchpin upon which this tyranny against fathers depends. How does this happen?
    Published 12Jun2011, viewed 210 times
  • How and When Can You Deduct a Loss on Your IRA Investments
    All earnings of your investments in your IRA - whether of tax-deductible contributions or nontax-deductible contributions grow tax-deferred until they're withdrawn. Then they're taxed as ordinary income. But your basis is never taxed. Those who have only made tax-deductible contributions will have everything in their IRA liable to income taxation. Here's how it works...
    Published 09Jun2011, viewed 264 times
  • Root Causes of How the Family Court Came to Tyrannize Fathers and Families
    Family court denies fit fathers their right to parent their children. This turns a father into a virtual slave to both the state and the mother and to pay outrageous extortion payments for the state's kidnapping of his children - or go to jail. These are all clear violations of his unalienable rights and his constitutional protections. But what are the root causes that created such a court tyranny against fathers?
    Published 08Jun2011, viewed 119 times
  • What's Your Life Insurance Company's Risk Assessment of You
    You may choose life insurance to help payoff estate taxes, take care of a spouse or create a legacy for your love ones at your death. But the benefit of your life insurance comes at a cost of the premiums you pay for it. And that cost is in large part determined by what the life insurance company thinks your remaining life expectancy is when you apply. That's the risk you pose to them. Here are their assessment categories and reasons.
    Published 05Jun2011, viewed 268 times
  • Family Court Tyranny Against Fathers Versus The Cover-Up Propaganda
    Fathers face a tyranny against them in family court because the court denies their unalienable rightswhich include their right to parent their children. This article contrasts this fact with the state's divorce and domestic violence industry's propaganda that covers up family court's unconstitutional use of its greater good excuses - safety of women's abuse excuse and the best interest of the child excuse.
    Published 04Jun2011, viewed 297 times
  • A 'Defective' Trust Can Help You Avoid Gift Tax
    Transferring some of your wealth while you're alive will trigger a gift tax when you die. You also have to pay an estate tax on the value of your estate when you die, too. These are hefty taxes that lower what you can ultimately leave to your beneficiaries. You can use a 'defective' trust to help reduce them. Here's how...
    Published 03Jun2011, viewed 219 times
  • Bad Law and Phony Rights Tread on Rightful Liberty
    The U.S. was formed to secure the unalienable rights of its citizens - as stated in the Declaration of Independence - nothing more and nothing less. The Constitution with the Bill of Rights and its further Amendments mapped out some fundamental rights and their protection from government interference. So what should Americans be aware of to maintain their liberty?
    Published 02Jun2011, viewed 172 times
  • Reasons to Sell Your Life Insurance Policy
    A Life insurance settlement presents a unique opportunity to a policy holder to extract the maximum possible value from an existing life insurance policy. He can use those funds for alternative needs. Many people choose this option because the cash value of a life settlement generally exceeds the surrender value that the life insurance company would have been paid.
    Published 16May2011, viewed 247 times
  • How Will a Retiree's IRA Value Change While Taking Out the Minimum Each Year?
    If you have a traditional (i.e. deductible) individual retirement account (IRA), you may wonder how much you'll have in it when you die for legacy purposes You must make minimum required distributions (MRDs), but if you restrict your withdrawals to these minimums, I can give you an idea. I'll assume that you make it to 70 years of age, you're the owner of your IRA, and you'll withdraw your yearly MRD starting at age 70.
    Published 15May2011, viewed 150 times
  • How Life Insurance Tax Benefits May Help You
    Ensuring that a family can financially survive the death of its bread winner has been the principal purpose of life insurance since its conception. Over the years, it's developed many tax-saving attributes that increase its usefulness as a store of value - and for retirees too. Which of these tax benefits can you use?
    Published 13May2011, viewed 185 times
  • Avoid Mistakes When Buying or Maintaining a Life Insurance Policy
    When approaching or entering retirement, you may put your estate and savings in order, but watch out you don't foolishly allocate your money. If you're considering life insurance to achieve some ends, avoid misjudging its benefit to you.
    Published 11May2011, viewed 184 times
  • What Bond Types Should You Buy for Income?
    Investment income generally comes from debt (or loan) instruments - like bonds. Before deciding on what type of debt instrument you'll use to generate your invested retirement income, you should know their characteristics. Here's a quick overview.
    Published 10May2011, viewed 165 times
  • Prepare for Mental Incapacity in Your Estate Planning
    The longer we live, the more we increase our chance for suffering dementia or other mental incapacities in our latter years. You need to decide before hand to whom you'll give the power to handle your affairs when that mental affliction happens - or even before you become increasingly unsure of your own judgment.
    Published 09May2011, viewed 263 times
  • How Can Retirees Benefit from a Weakening Dollar
    Since June 2010, the dollar has been weakening with respect to the euro. The euro is the currency of countries in the European Union and because of that it, carries a good deal of weight in global economics. In June 2010 alone, one euro started out costing $1.26 and has more or less risen to $1.46 as of April 2011. What does this mean to retirees and travelers - and how can they benefit?
    Published 07May2011, viewed 215 times
  • How to Determine Which IRA You Should Contribute To
    As you approach retirement, you may still be contributing to an IRA plan. Both your income and whether or not you (or your spouse) have a qualified plan associated with work will determine which of the three IRA types - the traditional (deductible) IRA, the non-deductible IRA, and the Roth IRA - you should contribute to. However, when circumstances occur that give you a choice of contributing to two or more IRAs, here's how to decide what to do.
    Published 07May2011, viewed 131 times
  • Feminist-Fostered Social Fallout of 'Best Interest of the Child' and 'Safety of Women' Excuses
    Of course, these excuses are a sham. But they're part of the feminist propaganda slogans that are used to hijack the judiciary to produce feminist family outcomes and, then, to demand that government - ultimately taxpayers and fathers - fund their wishes. So what is evolving in society from feminist jurisprudence and its social engineering police state? Here's part of it.
    Published 26Apr2011, viewed 433 times
  • Government Power and Money Assures More Tyranny under Feminist Greater Good Excuses
    The divorce and domestic violence industry (DDVI) doesn't create real product. It's a parasite industry funded by taxpayers and extortion of fathers. It wholly depends on unconstitutional court orders that rob fathers of their children and create abusers under phony laws. Its guaranteed state power and its feminist push for 'safety of women' and 'the best interest of the child' excuses assures more tyranny. Here's how.
    Published 21Apr2011, viewed 428 times
  • Feminist 'Greater Good' Legislation Gave Rise to the Divorce and Domestic Violence Industry
    Feminist-backed 'greater good' legislation has produced unjust 'excuses' for courts to deprive fathers and other men of their constitutional rights and protections while privileging and benefiting women. This legislation has produced an enormous court order-based industry - the divorce and domestic violence industry (DDVI) - that funds itself through extorting fit fathers and taxpayers. It's a parasitic cadre of benefactors.
    Published 20Apr2011, viewed 182 times
  • EP Women's Rights Committee Demand Women's Privileges and Benefits - Naturally
    Women representatives of the European Parliament (EP) naturally spend their time demanding privileges and benefits for single women and their children. Women's rights have nothing to do with equal opportunity for women. They're all about demanding benefits for irresponsible and selfish women usually at the expense of men and their fundamental rights and their children. Here's what's going on the EP.
    Published 17Apr2011, viewed 388 times
  • You Can Ladder Annuity Payouts Different Ways. Here are Two
    A beginning retiree statistically has about 25 years of retirement. In fact, some retirees fear they might outlive their retirement assets. Longevity risk and having to weather fluctuating markets make laddering annuities an attractive retirement approach to assure yourself an income for life. Here's a couple of ways to do it.
    Published 16Apr2011, viewed 407 times
  • Begin Medicare with a Free Health Screening for Preventative Care
    Medicare's Prevention Coverage provides you with a one-time initial physical after you enroll. Also included are screening tests for heart disease and diabetes. The new healthcare law allows for annual wellness checks too - also at no charge. Here's what to do...
    Published 14Apr2011, viewed 196 times
  • What Medicare Does for You - Updated for 2011
    Medicare is a government regulated health care program for those 65 or older. You need to understand how it works. Here's an overview with some 2011 updates.
    Published 13Apr2011, viewed 238 times
  • Do a Tax-free 1035 Exchange of Your Old Annuity for a New One
    If you have an old deferred annuity but feel that a new deferred annuity will serve you better, you can exchange the old one for the new one tax free. But you better consider if you're really better off doing so. That's what this article is about.
    Published 11Apr2011, viewed 207 times
  • Feminist 'Greater Good' Excuses Deny Constitutional Rights of Fathers in Family Court
    Family Court unjustly uses the 'greater good' excuse of 'best interest of the child' to override constitutional rights and protections of overwhelmingly fathers. Its setup and use of the greater good 'abuse' excuse, too, shows it has no interest in protecting a father's rights but to deny him his children and extort his earnings for the best interest of the mother.
    Published 10Apr2011, viewed 219 times
  • Use a Life Insurance Trust to Achieve Some Estate Planning Goals
    Life insurance creates money in the form of a death benefit when you die. A couple or reasons to hold an insurance policy during retirement include helping to pay estate taxes and ensuring a specific legacy to your heirs. But estate taxes can take a big chunk of your estate - and that includes any proceeds of your life insurance. Using a life insurance trust can bypass estate taxes and help in other ways. Here's how.
    Published 09Apr2011, viewed 213 times
  • Gear Yourself Up for Creating a Decent Retirement
    You've moved past 55 years old and fast approaching retirement age. But you're way behind on savings because of hard times, neglect, or financial catastrophe. What do you do now to salvage some financial security for your later years? Create a philosophy of success!
    Published 06Apr2011, viewed 211 times
  • Diversifying and Laddering Are Two Ways to Protect Your Retirement Income
    Assuring yourself a steady yearly income is important during your retirement. Your pension and social security income do just that. But if you also want to smooth out the income fluctuations that your investments produce, you can do so using two strategies - diversifying and laddering your investments. This article shows how you'd do just that.
    Published 05Apr2011, viewed 129 times
  • Safety of Women's 'Abuse Excuse' Is the Greater Good Feminazism Uses to 'Divide and Conquer'
    Tyrannies take hold in by promoting a commendable-sounding 'greater good'. State-enforced implementation of that greater good establishes the tyranny. Feminism's promotion of the safety of women through the 'abuse excuse' is its 'greater good' that legally divides the sexes. It privileges women by denying men their constitutional rights. That's why state-forced feminism is best characterized as feminazism for the tyranny it creates.
    Published 18Mar2011, viewed 265 times
  • The 'Rule of Law' Promotes Liberty or Fosters Tyranny. It all Depends
    The rule by law and not by men implies laws protect our liberties, whereas men (and women) rule to their own interests with disbenefit to others. But laws are continually created by men and women to serve their interests. So, bad laws that tyrannize some are expected. So, the 'rule of law' promotes liberty and not tyranny only when it secures our unalienable rights through court processes for each of us. Here's how to determine your situation.
    Published 16Mar2011, viewed 223 times
  • Get Your Four Essential Tools of Estate Planning Done Right
    Estate Planning involves not only making decisions on how your assets will be distributed when you die but also making it clear how decisions should be carried out when you're alive yet mentally incapacitated. The four essential estate planning tools that make your views clear to all are your will, a power of attorney, a living will and a health care proxy. This article comments on what each means and warnings about getting them done right.
    Published 16Mar2011, viewed 258 times
  • Maxims of Law Help Assure Justice - Their Absence Assures Injustice
    It's important for each of us that court processes are fair - fair to litigants or defendants. Our founding fathers insisted that a jury was essential where substantial money or rights were at stake. Nevertheless, a court's processes and deliberations should also adhere to the Maxims of Law to help assure fairness and justice also. When the Maxims are ignored, courts are surely serving something other than justice. Here are key Maxims to know.
    Published 14Mar2011, viewed 184 times
  • What Makes Up Your Taxable Estate?
    Estate taxes can rob a chunk of your legacy from your beneficiaries. But this tax is imposed on your net estate value. That's the value of your estate after you've taken allowable deductions from your gross estate. What makes up your gross estate is the value of all property in which you have any interest at your death plus some gift items you made within 3 years of death. This article overviews the deductions you can take.
    Published 11Mar2011, viewed 270 times
  • Family Court Judgments Against a Father's Parental Rights Are Illegitimate
    The fundamental right to parent your child is an unalienable right - one for which our country was formed to secure. It can't be denied to you unless the full constitutional due process is invoked to prove you 'unfit'. Here's what it means and why the family court judgments are illegitimate.
    Published 11Mar2011, viewed 324 times
  • Your Probated Estate versus Federal Estate - What's the Difference?
    One of the concerns that estate planning addresses is the problem of probate. This is your state's legal process of settling a decedent's affairs supervised by your local probate court in your county. It's a public, time-consuming, and often costly process.
    Published 11Mar2011, viewed 173 times
  • A Father's Right to Parent His Child and Constitutional Law That Says So
    Fathers walk into family courts and can't believe the injustice they face. These courts deny fathers their children and other rights at the whim of the judge. Their reaction is justified. We all have an innate understanding of what's right. And we all understand that we have fundamental rights that governments should uphold. This article gives proof of their parental rights and evidence that family courts deny fathers' unalienable rights.
    Published 08Mar2011, viewed 308 times
  • Reasons Why and When You Should Have an Estate Plan
    Estate planning is arranging your affairs so that you and your assets will be handled the way you'd want when you no longer can. Such planning generally anticipates our death as well as the mental and physical deterioration of old age that leaves us incapable of handling our affairs. This article overviews the concerns that estate planning addresses and the strategies used to solve them.
    Published 08Mar2011, viewed 189 times
  • How to Ladder Annuities for More Income than CDs
    Retirees who want to count on a reliable income may be better off using annuities than CDs. The advantage of using an annuity over a CD is that a deferred annuity grows tax-deferred, and immediate annuity payouts are only partially taxed. All a CD's income is taxed as earned. Here's a way to take advantage of the annuity's tax break to give you more income throughout your retirement years.
    Published 07Mar2011, viewed 219 times
  • Women's Rights Are Not Rights But Tyrannical Entitlements and Privileges
    In a free society, 'rights' mean the unalienable rights referred to in America's founding document, the Declaration of Independence - the 'unalienable right to life, liberty and the pursuit of happiness'. Government is formed to secure those for each of us. But feminism uses Women's Rights as a front to force state-imposed benefits and privileges for women that directly deny the unalienable rights of men and fathers.
    Published 07Mar2011, viewed 254 times
  • Retirees Have an Investment Horizon Longer than They Think
    Retirees at age 65 often think they have about 10 years left. They're statistically wrong and their projections on the investment amount they'll need to carry them through retirement will be wrong too. They misperceive their remaining life expectancy. Here's what they should know about the time they have left.
    Published 07Mar2011, viewed 217 times
  • Most Tax Rates and Breaks Remain the Same for 2011 and 2012
    The 2010 Tax Relief Act has set the tax rates and breaks for 2011 and 2012. Personal income tax rates and investment rates will remain unchanged. Seniors will see a charitable tax break for their IRA holdings. Here's the detail...
    Published 31Jan2011, viewed 313 times
  • Will You Be Parent One, Parent Two, or, Perhaps, Parent Three?
    The new passport application for minors doesn't require the father's and mother's name any more; it now requires the name of parent 1 and parent 2. This 'word garbage' of feminist-promoted 'correctness' helps to destroy the heterosexual family - the basic unit of society. This nonsense hides the truth.
    Published 31Jan2011, viewed 136 times
  • Great Britain Councillor Stands Against Stalinist Domestic Violence Program
    A British councillor, James Williams, won't grovel as most of the cowardly male - and female - politicians do in the face of feminist-based totalitarian and anti-men legislation. He understands what legal protections a free society owes to every citizen and has the guts to speak up against policies that clearly violate those protections. Here's what he fighting against.
    Published 31Jan2011, viewed 163 times
  • Fundamental Rights Denied Fathers Who Owe Child Extortion Payments
    Extortion faithfully reflects what court-ordered child support payments really mean, how they're implemented and how they're enforced. Children are used as pawns by the state, the courts, lawyers, and many single mothers to extort money from fit and willing fathers who firstly are denied their children and then most other fundamental rights. Here's the scoop.
    Published 31Jan2011, viewed 217 times
  • Father Rights Advocates Err in Trying to Seek New Laws to Protect Rights
    Under our present government, a fit father is generally denied his right to parent his children under a divorce or paternity action. But the government - in the guise of the family court - then denies more of his fundamental rights while extorting money from him under the euphemism of child support for the mother's use. No law requires this extorted money to be used for the child. New laws, if passed, will surely be ignored and wastes time.
    Published 31Jan2011, viewed 140 times
  • You Can Create a Charitable Remainder Trust either as a CRAT or a CRUT
    Charitable remainder trusts (CRTs) can give you income now or a legacy for your beneficiaries at your death while you contribute to charity. You, of course, get a chartable deduction that helps you too. And of course you get income and eventual estate tax breaks for your charitable donation. This article shows you how it works.
    Published 30Jan2011, viewed 267 times
  • How to Handle a Contempt Complaint Against You for Child Support
    Fathers who have not paid all the child support ordered often find themselves confronting a Complaint for Contempt for not paying everything ordered. Too many fathers are unjustly sent to jail under a Judgement of Contempt without receiving the 'due process' they deserve. Here's how to handle your case if a Contempt Complaint is filed against you.
    Published 29Jan2011, viewed 392 times
  • Child Support Is a Useful Euphemism to Extort Fit Fathers Unjustly Denied Their Children
    Should everyone support his or her children? Yes. But, no law requires court-ordered child support to be spent on the child. And the amount of child support ordered has no relationship to the cost of supporting a child. But using the term 'child support' is a useful euphemism to cover up a massive extortion scheme that harms fathers and their children, families and freedom. Here's how.
    Published 28Jan2011, viewed 414 times
  • Hunger Striker and Father, Bill Coleman, Fights Feminist Jurisprudence from Jail
    If a women says it, that's all that's needed for depriving you of your rights. That's feminist jurisprudence. Today, much of the legal system caters directly to accusations by women without regard to the protection of a 'fair process' for those men accused. To simply be accused is sufficient to be denied your rights. Bill Coleman's story typifies many cases.
    Published 27Jan2011, viewed 356 times
  • Estate Tax for 2010, 2011 and 2012 Is Finally Settled
    Finalization of our estate, gift and generation skipping tax took place on Dec. 17, 2010 when the Tax Relief, Unemployment Insurance Reauthorization, and Job Creation Act of 2010 was enacted. Its provisions settle our death-related taxes from 2010 to the end of 2012 - but not beyond that. Here are the provisions…
    Published 27Jan2011, viewed 149 times
  • Laddering Helps You Maximize Your Interest-based Income over Time
    Retirees who have to live off their interest-based income investments are often a victim of interest rate swings that can lower their interest income significantly. Chasing after high interest rates without a strategy can often leave them with less income than they could get with a laddering strategy. Here's the situation...
    Published 26Jan2011, viewed 125 times
  • Use a Charitable Trust for Income or for a Legacy
    A chartable trust is a trust that has a charity as one of its beneficiaries. With it you can contribute to your charity and provide for yourself or your other beneficiaries too. And, of course, charitable giving will give you a tax deduction you can use.
    Published 24Jan2011, viewed 225 times
  • Jailed Father Amir Sanjari Is on a Hunger Strike for Justice
    Dr. Amir Sanjari, a U.S. resident, was found guilty in the U.S. of four felony counts for failing to support his two children by a jury.. He faces10 years in prison. Sanjari claims his case is really about judicial corruption and no constitutional protections for him to parent and directly support his children. He's on a hunger strike for his rights and his children.
    Published 24Jan2011, viewed 315 times
  • Retirees Need to Take Charge of Their Retirement Income and Expenses
    To get the most for your buck, you need to take charge of your income and expenses - maximize the former and minimize the latter. Knowing the statistics of retirement incomes can help you understand where you stand compared to others. This article shows how retirement income breaksdown among retirees overall. Then I warn you to take action to reduce your expenses so you can go farther on less income.
    Published 17Nov2010, viewed 448 times
  • Don't End Up Paying More on Loan Consolidations
    In preparing for retirement, you may consider consolidating your loans for ease of payments. Perhaps you may just want to make one payment per month and minimize that amount. Your intention may be to payoff your debts or reduce payments to free up income for daily living. This article warns you to beware you don't end up paying more financing fees than you would on your original loans for consolidating them.
    Published 16Nov2010, viewed 168 times
  • How Much Social Security Can You Get If You're Married?
    Part of your retirement income will come from Social Security. But how much social security income can you expect as a married couple? As a spouse, you get the better of two Social Security incomes. That's what this article is about.
    Published 09Nov2010, viewed 398 times
  • Know Your Investment Horizon When You Retire
    New retirees often think they have about 10 years left. So they plan accordingly. But they misperceive their remaining life expectancy. To invest properly, you ought to know just how long your portfolio needs to last. Although you don't know how long you live, you ought to know the statistics. And that's what this article is about.
    Published 09Nov2010, viewed 244 times
  • Ways to Use Life Insurance in Your Estate Planning
    Life insurance can help you provide the extra cash that protects your estate from being gouged by estate taxes. This article shows you a couple of ways it can do this.
    Published 08Nov2010, viewed 158 times
  • How to Project Your Financial Status at Retirement
    If you're within 5 years of retirement, you can make a good projection of what your retirement financial status will be; and that means how your retirement income compares to your retirement expenses. You need to know that so you can take some quick steps if you're in bad shape. This article shows you how to project your financial status.
    Published 08Nov2010, viewed 184 times
  • Retirement Work Can Be Good For You
    Many who reach retirement need more income than their Social Security, pension or savings can supply. And many retirees also want something to 'work at' that keeps them going in a purposeful and satisfying way. Whichever is the case, consider this for what to 'work at' in your retirement.
    Published 07Nov2010, viewed 212 times
  • Know Your Income Options in Retirement
    This article helps you strategize how you'll produce your retirement income, realize the array of income options you're presented with in retirement. Then choose which combination of income options suits you according to your aversion to risk and your remaining life expectancy.
    Published 04Nov2010, viewed 168 times
  • Can You Recognize When a Free Society Becomes Tyrannized?
    The purpose of this article is to expose the most critical issue of our time - the usurping of our constitutional rights by a feminist-based governmental tyranny. That tyranny is bent on engineering a social, cultural, and economic structural change in our society that's in complete violation of our constitutional principles as engendered by the bill of rights, the further amendments, and the Declaration of Independence.
    Published 16Oct2010, viewed 568 times
  • The Fathers Rights 'Declaration of Rebellion'
    Fathers have been deprived of the constitutional right to parent their children. Other fundamental rights are denied based on this. After repeated denials at all legal levels, fathers rights movement needs more action. This article gives a fathers rights Declaration of Rebellion fashioned under our Declaration of Independence
    Published 15Oct2010, viewed 227 times
  • The 4 Stage Progression to Government Tyranny by the Feminist-Instigated 'Abusive Men' Fraud
    Overfunded government programs pervert any cause it undertakes. It produces a government-supported industry that grows and feeds itself for power, control and money at the expense of freedom, individual rights, productivity and most especially, truth. This article shows how the feminist-instigated 'abusive men' fraud followed the 4-stage progression to a government-supported tyranny
    Published 14Oct2010, viewed 240 times
  • How Much Is Your IRA or Qualified Plan Deduction Worth To You?
    Government-regulated retirement plans - such as your IRA or your company plan at work - offer you tax-deductible contributions as an incentive to use them to save for your retirement. But how much is that tax-deductible contribution really worth to you? That's what this article is all about.
    Published 14Oct2010, viewed 209 times
  • You Can Save Faster with Tax-deductible Qualified Plans in 3 Ways
    If you're trying to beef-up your retirement savings in just a few years, use tax-deductible qualified plans (including IRAs) to do so. In this article I outline why they can give you the most benefit for your contribution efforts.
    Published 14Oct2010, viewed 193 times
  • How Do Government-regulated Retirement Plans Benefits Differ from Regular Savings Benefits?
    Government-regulated retirement savings plans such as IRAs and 401(k)s are often called 'qualified plans' for short. The have a specific taxation scheme that's not based on the investments you put into these 'plans'. The taxation of your regular savings or investments depends on the nature (or type) of the investment itself. In this article, I compare these two in terms their taxation benefits.
    Published 11Oct2010, viewed 179 times
  • Fathers, Know Your Inalienable Rights the U.S. Was Formed to Secure For You
    Fathers are being deprived of their fundamental rights in family court. That's due to strong feminist influence dominating how law is to be administered and a divorce and domestic violence industry thriving off of depriving fit fathers of their children and then extorting them for money. this article explains your rights and how government should protect them.
    Published 11Oct2010, viewed 160 times
  • Divorcing Fit Fathers from Their Children Is a Recent and Unconstitutional Process
    You may be told that awarding child custody to mothers and extorting fit fathers for payments is part of America's tradition. This is untrue. It's part of the propaganda to convince unwary fathers that their responsibility is to keep quiet and pay the mother money for supporting his child. Here are the facts.
    Published 13Sep2010, viewed 259 times
  • A Guarantee of Lifetime Payments Is Itself a Return of an Annuity
    You measure an investment by its risk and return. Generally, the less the risk, the less return you should expect. Unlike other investments, a life annuity offers you a unique opportunity of an almost riskless investment with a possibly high return. This article shows you how to view the return that an immediate life annuity can give you.
    Published 12Sep2010, viewed 363 times
  • Fathers Rights Means Demanding Constitutional Rights Currently Denied to Fathers
    Many of you may think fathers groups are asking for new rights when 'fathers rights' are mentioned. They're not! They're just demanding the constitutional rights guaranteed to all, but denied to them under present divorce or paternity actions. This article explains what's denied to them and why it's unconstitutional.
    Published 11Sep2010, viewed 953 times
  • Feminist Tyranny - a U.S. Export to the World
    Feminist tyranny refers to government-supported procedures that clearly deny fundamental rights to fathers under the guise of assuring a 'greater good'. That greater good espouses the best interests of the child. The feminist system is a sham for control, but it's well-funded. This article summarizes the issues of this tyranny, how it has spread and the growing recognition of how it works to destroy society and the rights of fathers.
    Published 09Sep2010, viewed 396 times
  • Know the Benefits and Disbenefits of Annuities
    You choose an annuity, like any investment, to achieve a goal. Knowing the benefits and disbenefits of an annuity is important to devising your strategy. This article outlines some of each.
    Published 07Sep2010, viewed 208 times
  • How Are Annuities Categorized?
    Annuities may seem confusing. That's due to all the options and fees some carry. This article explains the three ways all annuities are categorized to get you oriented.
    Published 05Sep2010, viewed 208 times
  • Estate Tax - A Moving Target
    How your estate is taxed when you die is a moving target. And you need to know just how it's taxed to plan how to handle it. This article summarizes where we are right now on estate taxation.
    Published 02Sep2010, viewed 162 times
  • Dump Unnecessary Living Expenses for a Better Retirement
    Creating a retirement that's enjoyable involves assuring yourself a retirement income that can pay your living expenses. The less are these expenses, the less retirement income you need. This article shows you the benefit of reducing your living expenses now and at retirement. It categorizes the ways to reduce your expenses so you can get started.
    Published 13Jul2010, viewed 381 times
  • Create a Budget to Save Fast for Retirement and Set Yourself Free
    If you don't have the savings you need for retirement, then you've got to buckle down and save fast. If you need to live on less, then a budget will help you do it. This article gets you going on creating a budget designed for you.
    Published 11Jul2010, viewed 303 times
  • Budget to Get Out of Debt Fast
    Debt is a recurring expense against your income for what you bought previously. Paying this and its interest charges is an expense that eats up current income you could use for savings or more important alternatives. Is paying this recurring expense along with the loss of benefits from your current income not worth it? If so, you have unnecessary and debilitating debt expenses and you need to get out of it. This article shows you how.
    Published 09Jul2010, viewed 265 times
  • Tips To Save You Money
    Reducing your living expenses allows you to save more for retirement or makes your current retirement income go further for what you really want. But even if income is not that tight, saving money by eliminating unnecessary expenses is a way to pay for special treats - like trips and gifts - that can brighten up retirement. Here's some tips to save money.
    Published 07Jul2010, viewed 238 times
  • Explore Offshore Possibilities to Make Your Retirement Income Go Further
    If your retirement income makes it difficult to get by where you're living, maybe it's time to go off shore where your income can give you a good lifestyle. Places that have low living expenses generally have a low average wage and that means the cost of living will be low. Here's help finding your offshore paradise.
    Published 02Jul2010, viewed 176 times
  • Fatherless Day Fact: Government-Fostered Fatherlessness Destroys Family and Freedom
    A father, by nature, is a self-sufficient character, the lynchpin upon which rests the individual freedoms of family and a nation. But present government and family court policies foster fatherslessness by denying a father his fundamental rights - including the right to directly parent his children. Why is this so?
    Published 22Jun2010, viewed 188 times
  • The Judicial Process Is Where We Confront our Rights or Lack of Them
    People discover what rights they actually have when they're confronted by the state under criminal prosecution or under a civil suit. The body of law dealing with how to go to court and the rules of what to do is called Procedural Law. This article overviews both the civil and criminal processes.
    Published 22Jun2010, viewed 240 times
  • Evidence of a Breakdown of Our Fundamental Rights Protection
    Our Founding Fathers arranged to make all government officials accountable, keep the branches of government separate, maintain the importance of a jury to protect litigants from bad laws and a usurping judiciary, and warned us not to trade away our freedom for any government benefits. This article shows how these concepts have broken down - especially with regard to fundamental rights protection for fathers under family court jurisdiction.
    Published 12Jun2010, viewed 332 times
  • Make a Tax-based Profit on Your IRA Contribution If You're Retiring Soon
    Government-regulated retirement plans, like IRAs and 401(k)s, offer you a tax-advantage. Your contributions are tax-deductible whose earnings then grow tax-deferred. Withdrawals are taxed as income. With no investment gain - or loss - you can make a tax-based profit by contributing at high income tax rates, and then withdraw at a low income tax rates. This article shows you why.
    Published 12Jun2010, viewed 240 times
  • Project a Better Retirement with Only 4 or 5 Years to Go
    Knowing what your retirement income and expense will be is essential to planning your retirement life. You can estimate your income and expenses under your present circumstances. If you're not happy with the results, take some quick steps to fashion a better retirement. Here's the process:
    Published 10Jun2010, viewed 233 times
  • What Are the Benefits to Contributing to an IRA or 401(k) Type Plans?
    Taxes undermine our ability to grow our wealth and secure our retirement. To help people save for retirement, the government has authorized tax advantages to those who contribute to regulated retirement savings plans. This article explains the benefits of contributing to them.
    Published 09Jun2010, viewed 243 times
  • Use Your Motivation to Prepare for Your Retirement Work
    If it looks like you'll need to work in retirement, at least for a while, choose an endeavor you enjoy to keep yourself motivated. This article gives you an approach to finding a job you want.
    Published 07Jun2010, viewed 340 times
  • The U.S. Was Formed to Secure Our Inalienable Rights - But Not Any More
    Our founding fathers demanded the Rights of Englishmen won some 100 years before. But England ignored them for the profits that it could extract from the colonies. Incensed, we declared independence and insisted that "inalienable rights to life, liberty, and the pursuit of happiness..." existed for all men. Our government was formed only to secure them - not to grant them according to its discretion - as this article explains.
    Published 02Jun2010, viewed 204 times
  • The Benefit of Reducing Living Expenses Vs Accumulating More Savings
    When you reach retirement, your concern is having sufficient income to last you indefinitely. Typical sources of income are your Social Security, pension, and the income you can withdraw from your invested savings. But if these sources are low in your case, this article shows that budgeting to reduce your retirement living expenses can significantly relieve your reliance on retirement income.
    Published 02Jun2010, viewed 211 times
  • The Family Court Abridges Constitutional Rights and Justice
    Because our family courts are not setup to protect the rights of litigants but a so-called 'higher good', it's ripe for distributing injustice and persecution - mostly to fathers and their children. This article explains why.
    Published 11May2010, viewed 827 times
  • 'Maxims of Common Law' Are Ignored In Family Court
    Common law refers to the myriad of decisions made by judges and appeals courts. Maxims of Common Law are 'guiding truths'. Adhering to them helps judges make fairer decisions. They're ignored in family court determinations since fairness is a wholly secondary issue. This article overviews what these maxims are.
    Published 09May2010, viewed 366 times
  • It's Never Too Late to Save for Retirement - Never!
    Think it's too late to save for retirement? It's not because every little bit can bring you more income and more opportunity. This article shows how a little savings can put you ahead of where you thought you were.
    Published 08May2010, viewed 226 times
  • Fit Fathers Denied Custody of Their Children Unjustly Face Contempt and Jail
    A Complaint for Contempt against a father for not paying all the child support ordered is filed by the custodial mother. This article shows that because the non-custodial father is unable to pay all court-ordered child support perhaps in addition to any state-imposed interest and penalties on the amount overdue (referred to as 'in arrearage') he's subject to unjust imprisonment.
    Published 04May2010, viewed 272 times
  • Overview of Government-Regulated Retirement Savings Plans
    Over the years, the government has allowed a variety of tax-advantaged savings plans to come into existence so you can save for your retirement. This article overviews the types of plans you can choose from as an employee or as a business owner.
    Published 04May2010, viewed 280 times
  • Essential Understanding of Social Security Benefits for Retirees
    If you're considering when you should retire, you'll need to know just when your Social Security benefits (i.e. monthly income) kicks in for you - and how much you'll get. This article summarizes when and who gets Social Security benefits, how much, and what affects how much you get. You can get all your information at the Social Security Administration's website: ssa.gov
    Published 26Mar2010, viewed 203 times
  • The Issues of Divorce and Paternity - Getting Off to a Good Start
    Unfortunately, many will go through a divorce or a paternity suit. But most don't have a clue about fighting for their rights at court. Learn what you must know to better fight for what you want - with or without a lawyer. This article explains the issues of these suits and the importance of preparing well for the first hearing.
    Published 08Mar2010, viewed 441 times
  • The Steps in a Divorce or Paternity Action
    Most divorce litigants don't have a clue about how a divorce action progresses. Learn them so you can begin to handle your case - with or without a lawyer. This article outlines the steps in divorce or paternity (for the unmarried) suit that take place in family court.
    Published 05Mar2010, viewed 360 times
  • How to Choose Retirement or 'Independence' Work for Your Salvation
    Many who reach retirement need to work for more income. Those who are younger want out of the drudgery of their 'employee' jobs. Both can find something to 'work at' that makes life enjoyable. This article helps get them started.
    Published 04Mar2010, viewed 178 times
  • Global Warming Fraud Reflects Too Much Government Money and Power
    Government so overwhelmingly funds a cause that it perverts it and makes it a government-supported industry whose purpose is to grow and feed itself like the rest of government. And it grows at the expense of all we hold dear - like freedom, individual rights, productivity - but most especially, truth. This article summarizes this processfor the Global Warming fraud and the crisis-driven government-industry complex it has spawned.
    Published 20Feb2010, viewed 406 times
  • 2010 Estate Tax Alert - Retroactively Imposed is Unconstitutional
    For 10 years the estate tax was set in law to be abolished in 2010. If congress didn't act to keep it abolished or modify it for 2011 and beyond, then the 2011 estate tax would just revert to the 2000 estate tax. Now congress is considering retroactively imposing an estate tax for 2010 later in 2010. This article updates you on the present rates and explains that this retroactive change is unconstitutional.
    Published 19Feb2010, viewed 266 times
  • Tax Efficient Strategies for Converting to a Roth IRA
    As of 2010, anyone - no matter how high his income - can convert all or any part of a qualified plan to a Roth IRA. But converting from a qualified plan - like a traditional IRA - requires paying income taxes on the amount that you convert into your Roth IRA. This article suggests some ways to get the most benefit out of your conversion while minimizing the taxes it produces - especially for high earners.
    Published 07Feb2010, viewed 431 times
  • Problems in Family Court That Fathers Should Prepare For
    Problems with the family court setup include laws that are discriminatory to whoever becomes the non custodial parent - overwhelmingly the father. But as bad these laws are, their administration is worse. Fathers can't depend on lawyers to defend them effectively in this process. This article overviews problems in the family court setup which fathers should guard against.
    Published 07Feb2010, viewed 1037 times
  • The Money Is Too Big for Unfair Divorce Court Setup to Change
    Divorce and paternity suits are big business. That's because family court is setup to keep incentives to divorce high for women, lawyers and a host of court-related personnel. Those incentives translate into big money. The money is big because the loss to fathers - and their children - is so big. This article shows you where the money in divorce is, why it's so big, and why the system won't change.
    Published 06Feb2010, viewed 511 times
  • When is a Roth IRA Better than A Traditional IRA?
    Both a Roth IRA and a traditional IRA are government qualified retirement savings plans. But the Roth IRA tax properties of one can be a better deal for some people than those of the other. This article lists their tax properties and who may benefit most from a Roth.
    Published 06Feb2010, viewed 291 times
  • Family Courts Foster Far More Harm Than Good for Parents and Families
    The family court is where you go to sue for divorce or paternity issues. Most often the litigants (i.e. fathers and mothers) are fit parents. But the family court setup creates judgments or fosters settlements that do far more harm than good to litigants, their children, and their futures. This article shows how the family court is setup, what it decides, why it does harm, and tabulates some of the harm.
    Published 04Feb2010, viewed 397 times
  • Government Intervention Into Financial Markets Caused the Economic Crisis
    The recent boom and bust crisis of our financial markets is not the failure of free market capitalism. It's a result of government intervention into the financial markets. It's this intervention that prevents the free market forces from bringing markets into balance to offset the possibility of runaway booms or busts.
    Published 03Feb2010, viewed 1089 times
  • Government's Feminist Tyranny Fosters Matriarchal and State-Run Families
    Feminist-demanded privilege especially within family law -referred to as Feminist Jurisprudence - bypasses constitutional protections and common law maxims designed to create freedom and fairness for all. This article shows how feminist jurisprudence fosters state-run families under matriarchal control and drives fathers from control of their family into slave positions with state-mandated obligations yet no rights.
    Published 15Dec2009, viewed 306 times
  • Even Less Reason in 2010 to Withdraw From Your Tax-Deferred Accounts
    During your retirement, you're often advised to live off your taxable accounts first before using your tax-deferred accounts. That's because withdrawing from your tax-deferred accounts will tax you more whereas keeping them untouched allows them to grow faster than your taxable accounts. This article clarifies the assumptions in this advice and explains why there's even less reason to tap those deferred accounts in 2010.
    Published 09Dec2009, viewed 447 times
  • No Stepped-Up Basis for Estate Inheritors of Those Dying in 2010
    Up until 2010, property owned by a decedent at the time of death of his death had its tax basis changed from what the decedent's basis was to its fair market value - whichever was higher. For the year 2010 - and only that year - the law has been changed to 'whatever is lower'. This article address what this means to you.
    Published 07Dec2009, viewed 583 times
  • How to Plan for an Enjoyable Retirement in Less Than 5 or 10 Years
    Your retirement age has a way of creeping up on you when you least expect it. And then you've got to ask yourself, 'How can I retire?' Perhaps you've got less than 5 or 10 years and haven't been able to give it much thought - or much savings! What should you do? In this article, I'll show you how to plan to retire enjoyably if you've only 5 years or so left to prepare.
    Published 05Dec2009, viewed 499 times
  • Government's Feminist Tyranny Exists Denying Men Their Constitutional Due Process
    Tyrannies begin by promulgating policies of good intentions. Feminism was accepted by most as simply fostering equal opportunity for women. So, government-funded programs began and so began the tyranny against fathers, family and freedom both here and throughout the western world. This article is a first of a series exposing the nature of this tyranny and how we must take back government's tyrannical control of society to secure freedom for all.
    Published 03Dec2009, viewed 264 times
  • Social Security Income - When Should You Start Receiving Yours
    Social Security pays you a monthly income that's annually adjusted to the cost of living (COLA) until you die. But Social Security permanently increases your benefits the longer you delay beginning them. But that poses the problem of when its best for you to begin them. And that's what this article addresses.
    Published 03Dec2009, viewed 249 times
  • Devices for Answering Your 5 Estate Planning Questions
    Estate planning arranges handling yourself and your assets when you become sufficiently disabled and when you die. In this article I suggest strategies to use in your response to the 5 key estate planning question.
    Published 09Nov2009, viewed 357 times
  • Estate Planning Addresses Your 5 Basic Questions in Later Life
    You may have heard about estate planning. Your estate is composed of everything you own - and that includes yourself. But what is the 'planning' really about and should you be concerned getting it done? At some point later in life you decide that you should make provisions for both you and your estate. This article addresses 5 basic questions that encompass those provisions, the consequence of not answering them, and the urgency for doing so.
    Published 09Nov2009, viewed 381 times
  • Estate Planning Is Important Even If You're Not Rich - Here's Why.
    Those of you who aren't wealthy, generally think that estate planning is only for the rich. But on considering a few simple questions and seeing what can happen to your wealth, you might reconsider having no estate plan. This article gives a few simple examples of why estate planning is necessary for almost everyone.
    Published 08Nov2009, viewed 339 times
  • Family Courts Tyrannically Deny Fit Fathers Their Constitutional Right to Parent Their Children
    Family courts routinely deny one fit parent - overwhelming the father- his parental right to raise his child. They tyrannically allege a right to deny father's fundamental rights since they do so for 'the best interest of the child'. Such family court claims are tyrannical and directly conflict with constitutional rights and protections - as this article shows.
    Published 08Nov2009, viewed 426 times
  • How Taxation Rules Your Investment Options
    You grow your savings so to use them later. Outside of contributing they grow according to how you invest them. Government's taxation plays an important part in how you choose what to invest in and how to hold that investment. This article overviews how your savings or investments are taxed and how that influences what you choose to invest in.
    Published 07Nov2009, viewed 528 times
  • Making Yourself Financially Independent Isn't Lucky - It's Planning
    If you want to accomplish something, you'll invariably need a plan - an effective plan. Most people think becoming financially independent is a pie-in-the-sky happenstance for those with high incomes, lottery winners, and lucky investors. They're wrong. With commitment and a mindset, it's within reach of most. In this article I'll map out a way that almost everybody can achieve financial independence if they put their mind to it.
    Published 05Nov2009, viewed 624 times
  • IRAs, Roths, and 401(k)s with Taxed and Untaxed Minimum Required Distributions (MRDs)
    IRA and Roth IRAs are two examples of government-regulated retirement savings plans - called qualified plans. Both are generally personal plans you set up that you can contribute to and withdraw from. Other examples of qualified plans associated with work are 401(k), 403(b) and their Roth versions- like Roth 401(k). This article explains which qualified plans have minimum required distributions (MRDs) associated with them and some strategy.
    Published 05Nov2009, viewed 386 times
  • Coming to Terms with Asset Protection Strategies
    Asset protection deals with protecting your assets from others who may make a claim on them through a court action. Developing an approach to what asset protection strategy you need requires you to understand which assets of yours are vulnerable to be claimed, when, and from whom. This article outlines these points and the boundaries and limitations that affect your choice of asset protection device.
    Published 11Oct2009, viewed 338 times
  • Your Life Insurance Policy Presents Many Options If You're Short on Cash
    If you're in need of cash or running short on income, you can turn to your permanent life insurance policy to help you out. Your policy carries both a cash value and provides a death benefit at your death. Both these attributes give it value you can extract for yourself. This article shows a variety of ways your policy can solve your cash needs.
    Published 11Oct2009, viewed 329 times
  • Family Courts Give Fathers No Protection for Their Rights and Assets - Just Tyranny
    Divorce and paternity lawsuits have sky-rocketed over the last 40 years. They produce immeasurable damage to fathers, their children, their productivity, their assets and their futures. It's wholly uncalled for except for benefits that a mega billion dollar divorce industry receives at the expense of fathers by denying their most fundamental rights. This article explains why fathers find no protection for their children and their assets.
    Published 11Oct2009, viewed 307 times
  • Real Estate Can Give You High Growth Rates at Low Risk
    Buying residential housing offers the best investment for relatively little risk if done conservatively. Whether you buy home or a house to rent, tax laws, leverage, and demand help you to acquire and grow your real estate investment. This article shows you how.
    Published 11Oct2009, viewed 517 times
  • How Much Income Tax Are the Feds Really Taking from You?
    If you're trying to save money, you ought to know how much the federal government is taking from what you earn. Most people just don't know. Finding out will show you why it's hard to get ahead. This article shows how the fed gets 35.4% of an $80,000 working income.
    Published 11Oct2009, viewed 638 times
  • Earnings Are As Important As Contributions to Your Retirement Savings
    Just contributing to your retirement savings is not enough. You've got to make them earn decent returns so their compounding effects significantly add to what you eventually accumulate. To settle for pathetic investment earnings makes saving for retirement only a contribution game with meagre results. This article shows the kind of earnings you need to compound your way to a decent retirement.
    Published 11Oct2009, viewed 324 times
  • Owning Residential Rental Income Property Grows Your Wealth Faster and Better
    If you want to grow your wealth fast and better, buy residential property to rent out. Your investment will grow faster because of the leverage that a mortgage gives you, and it grows better because rental income, tax laws, and responsible mortgage decisions keep your risk extremely low for such a high return. Here's how.
    Published 11Oct2009, viewed 879 times
  • Retirement Phase Questions to Answer
    Retirement brings a whole new set of considerations to our lives. It's our third - and last - phase of life. In this article I'll outline the sequential stages of our retirement years and the issues you should address - ideally, early in the first stage.
    Published 10Aug2009, viewed 346 times
  • Manage Your Retirement Income with the Critical Ages in Mind
    Certain ages are critical when managing our retirement plans. Failure to plan with those ages in mind can produce lost benefits. In this article I outline those dates and explain how they affect your retirement benefits.
    Published 09Aug2009, viewed 435 times
  • Enjoy Retirement by Recreating a New Mental Outlook
    Retirement is our third phase of life. Our first phase found us growing up and becoming educated to make a living. In the Second phase we create a family and the wealth to support and raise the kids through their own first phase. we need to recreate our outlook for our third phase to reap a new opportunity for enjoyment and avoid the depression and loss of purpose that many retirees feel. This article addresses how you can do just that.
    Published 07Aug2009, viewed 299 times
  • It's Never Too Late to Create an Agreeable Retirement
    If you're a Boomer or fast approaching retirement age but you're far behind in retirement savings, don't give up. You can still pull together a retirement that you can enjoy. With perseverance, planning, and sacrifice, you can retire in relative comfort even with a late start. In this article I show you how to set up a strategy for achieving a good retirement by maximizing your retirement income and minimizing your living expenses.
    Published 05Aug2009, viewed 296 times
  • Medical Tourism - Going Off-Shore for Less Expensive but Quality Procedures
    With the cost of U.S. healthcare increasing, finding alternatives that lower costs come into play. If you require a hospital procedure that's too expensive for you, consider going off-shore. There you can find quality care at significantly reduced prices. This article introduces you to taking the off-shore alternative called Medical Tourism. I explain what it means and who's taking advantage of it.
    Published 03Aug2009, viewed 294 times
  • Medicaid Planning With an Annuity
    Medicaid planning refers to arranging or transferring your assets to prevent or to minimize their use by Medicaid if pay for your long term care. This article explains how you can shelter some of your assets with an annuity while you or your spouse has Medicaid pay for your long term care costs.
    Published 31Jul2009, viewed 460 times
  • IRAs and Qualified Plans Offer Limited Asset Protection
    You can lose your assets to creditors (whom you've borrowed from), to claims under divorce or paternity suits, to trumped-up claims against your deep pockets, or to government for taxes owed. What you have in your IRA or other qualified plan has some asset protection. But federal and state laws together determine when and how much protection those assets actually have - and from whom. That's what this article addresses.
    Published 29Jul2009, viewed 513 times
  • A Self-directed IRA: the Pros and Cons
    Government rules allow use of your IRA for more types of investments than banks and mutual fund companies allow. But you must steer clear of violation self-dealing rules for those nonconventional IRA investments. But, taxation of IRAs obliterates the tax-advantages of some alternative investments. This article overviews nonconventional investments, tax rules and restrictions, and suggests reasons for and against investing in them.
    Published 29Jul2009, viewed 1606 times
  • Allocate to Achieve a Goal and Rebalance to Maintain It
    Entering retirement is a good time to strategize on how best to allocate your resources to achieve your goals. Maintaining your strategy will keep you on track. In this article I'll review the basics of allocation.
    Published 06Jul2009, viewed 328 times
  • Term Insurance and Terms You Need to Understand
    Insurance companies charge you premiums based on your health and age. When you buy life insurance to cover you for only a set number of years, the insurance companies offer you different types of premium options to pay for your coverage. This article explains some key words that insurance companies use to characterize these premium types. Understanding them is critical to recognizing the possible cost and length of your coverage.
    Published 04Jul2009, viewed 309 times
  • Which Type Of Life Insurance Suits You?
    The ultimate reason for buying life insurance is for paying a benefit (i.e. a dollar amount) to a beneficiary when you die. It can also help you save money. Life insurance policies take one of several basic types. This article summarizes each type and some of the benefits it offers to your situation.
    Published 04Jul2009, viewed 341 times
  • How to Let Medicaid Pay for Your Long Term Care
    'Medicaid Planning' has come to mean planning to transfer your assets to loved ones in order to qualify for Medicaid coverage of your long term care (LTC) costs. That's because annual nursing home costs about $75,000 nationwide and can easily eat through assets and savings. This article explains some key issues involved in arranging to let Medicaid pay for your long term care.
    Published 01Jul2009, viewed 303 times
  • Annuities Help Retirees Secure An Income for Later in Retirement
    One aspect to living is that we never know when we'll die. Having saved money for their retirement income, retirees often worry that they'll outlive their savings since life expectancies are increasing. An annuity is an investment that is uniquely addressed to providing income for life. This article shows how you can use an annuity to assure yourself a future income if you live longer than you planned.
    Published 29Jun2009, viewed 477 times
  • Income Taxation of Annuities, When and On What?
    An annuity is both a contract with an insurance company and an investment. Your contributions (often called premium payments) to it are invested to produce earnings. This article explains when and what is taxed as income under annuitization, withdrawals, and gifts of your annuity.
    Published 29Jun2009, viewed 462 times
  • How to Calculate Your Minimum Required Distribution If You Own an IRA
    An IRA owner is the person who started and contributed to his IRA. As an owner, you must take a minimum required distribution (MRD) from your traditional IRA or non-deductible each year after reaching 701/2. This article explains the MRD rules for IRA owners only - not for beneficiary owners who have slightly different rules.
    Published 26Jun2009, viewed 398 times
  • Your Remaining Life Expectancy for Retirement Planning
    How long will you statistically live? You probably think that statistically you'll live to about 75. But that's somewhat of a misconception. Having a better idea on what life expectancy means will help you better project how many years of retirement you need to plan for. And clearing up what life expectancy means to you is what this article is about.
    Published 23Jun2009, viewed 426 times
  • Different Tax Treatments Suggest an Order for Tapping Your Sources of Income
    By the time you hit retirement, you've probably acquired a variety of savings and income assets. From these you'll withdraw income to live on and enjoy your retirement years. But because the tax treatment of your various assets differs, you should know that ordering how you withdraw from them can help preserve them longer. In this article I suggest a sequential order you should withdraw from the six common assets categories and why.
    Published 07Jun2009, viewed 328 times
  • Keep Your Wealth Longer by Withdraw Income from Your IRA or 401(k) Only After Using Up Your Taxable
    As a retiree you've probably accumulated savings in both IRA-type retirement accounts and regular taxable accounts. You'll withdraw from them for your annual living expense. But the different tax treatments that apply to IRA-type and regular taxable accounts make it confusing about which type you should withdraw from first. Below I'll show that withdrawing from your taxable accounts first allows you to preserve your wealth longer.
    Published 05Jun2009, viewed 293 times
  • Withdraw Conservatively While Investing Aggressively to Preserve Your Income and Portfolio's Purchas
    Since you have a 50% chance of living more than 20 years at age 65, you really must plan to avoid dipping into principal until you're quite old. But inflation over this time will eat into your principal. In this article I'll show you just how conservatively you must withdraw income from your savings and how aggressively you must invest your savings to maintain the purchasing power of both your withdrawal income and your savings portfolio.
    Published 02Jun2009, viewed 261 times
  • A Reverse Mortgage Is a Costly Option to Use Your Home Equity
    The first advantage of a reverse mortgage is that it allows you to borrow from your home equity without having to pay it back for as long as you live there. But it's a costly way to access your home equity. Here, I consider why it's costly, who might best use a reverse mortgage and other options to access home equity.
    Published 30May2009, viewed 288 times
  • 3 Serious Health Questions You Must Answer Before Others Do - When You Can't
    Strokes and dementia can put you at the whim of someone else's decisions about your health care. To keep control of your own health-related decisions when you become incapacitated you must create distinct medical directives that answer how you'll be treated when incapacitated, when relying on life-sustaining equipment, and when you should be resuscitated. In the following I explain what each of these directives mean.
    Published 09May2009, viewed 421 times
  • Know the 7 Key Parameters of Long Term Care Insurance
    Our chance for needing long term care (LTC) increases the longer we live. Directly paying for LTC can easily deplete an average person's estate leaving a beneficiary with no legacy. You can purchase LTC insurance to protect your legacy. But you must understand if the 7 key parameters of your policy will do the trick for you. These are explained below.
    Published 07May2009, viewed 259 times
  • 3 Strategies for Using Your IRA to Invest in Real Estate
    With real estate prices depressed and a lot of wealth sitting in qualified plans, you may wonder how you can use that wealth to invest in real estate. In this article I offer considerations and strategies for using your IRA to position yourself in real estate for your future benefit.
    Published 06May2009, viewed 389 times
  • Inflation Will Erode Over Half Your Income after 25 Years of Retirement - Unless You Invest Right
    Sixty-five year olds have a remaining life expectancy of about 20 years. And that means 50% will live even longer. So you should plan for your retirement income to last for at least 25 years. By all measures, inflation will take a big bite of a dollar's purchasing power over that time. Below, I review inflation's effect and the amount of portfolio growth you'll need to maintain your purchasing power in your withdrawal income.
    Published 04May2009, viewed 2335 times
  • Four Investments Carry 'Government' Asset Protection - But with Limitations
    Protecting your assets from unfair or unjust complaints is an important part of financial and estate planning. But before constructing a comprehensive asset protection plan, you should know what protection the government offers for 4 investment categories. Below, I overview from whom you are - and are not- protected and some limitations for these 4 investments categories: qualified plans, life insurance, annuities, and your homestead.
    Published 03May2009, viewed 1481 times
  • Use a Power of Attorney and a Medical Directive to Appoint Someone You Trust to Act on Your Behalf
    Dementia and other mental disabilities destroy our ability to act for ourselves - such as handling our financial and medical decisions. If you haven't assigned someone to make those decisions for you, someone else will - and may not make the kind of decisions you'd like. But you can only choose someone to act for you when you're mentally competent. So, below, I discuss the type of powers of attorney you can assign to anyone to act for you.
    Published 02May2009, viewed 321 times
  • Six Answers about You and Long Term Care
    Long term care of elderly is everyone's concern since it will most likely affect you or your loved one. In this article I'll respond to 6 questions that encompass your long term care (LTC) concerns: 1. What is LTC? 2. Who needs LTC? 3. Who provides help for LTC? 4. What's the cost of LTC? 5. Who pays for LTC? 6. What should you do about LTC?
    Published 10Apr2009, viewed 313 times
  • Know Your Retirement Health Phases To Optimize Lifestyle Choices at Minimum Expense
    Our health and activity level passes through 3 phases during retirement. And that'll alter our living options and expenses. By recognizing this, you can modify your living expenses now to suit your wishes and happiness. I'll outline these phases and the actions you can take to optimize your lifestyle choices by minimizing your expenses.
    Published 07Apr2009, viewed 336 times
  • Plan Not To Be Gouged By Estate Taxes in 2011
    Just because the Estate Tax has been phased out in 2010, don't be lulled into thinking it won't be back with a vengeance. On the books, it's slated to return with only a $1 million exemption. Efforts to get rid of it altogether have failed. The government will be looking for more money anyway now anyway. The following give you the full picture and how to prepare for it.
    Published 05Apr2009, viewed 350 times
  • 12 Things To Consider Before Moving Off Shore
    Living offshore (in a country other than the U.S.) can lower your living expenses and give you a better climate to enjoy. If you're thinking about moving offshore, do your research on the issues below for the country(s) you choose to move to.
    Published 31Mar2009, viewed 323 times
  • Medicare - What's It All About?
    Medicare is a government regulated healthcare program for those 65 and older. We'll all be on it, so it's important to understand how it works. In this article I summarize the different parts and coverages that come under the Medicare program.
    Published 23Mar2009, viewed 298 times
  • Know What Asset Protection Is All About
    Asset protection seeks to protect your assets from being taken under an unfair or unjust court action against you. In this article I'll orient you to the nature of such court actions, how they're enforced, and protection strategies to address them.
    Published 21Mar2009, viewed 326 times
  • An Immediate Life Annuity Returns Assurance and Potential Earnings
    An immediate life annuity can be a good investment against outliving your money - a very real issue for retirees. That's because it offers two returns - assurance of an income for the remainder of your life, and the possibility of earnings higher than you could get elsewhere if you live long enough. This article shows you how to figure your possible earnings aside from the assurance of never running out of money.
    Published 05Sep2010, viewed 142 times

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