Recent Community Questions:
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KarenLee
How is the APR calculated?
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RLFricks
I tried to put it in words?it be easier and make more sense for you to go online and look at the formula yourself.
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OWlong
There are plenty of APR calculators online if you need a quick fix.
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horowitz59
To find the monthly payment for an APR loan, use an online Loan Calculator.
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clayton_headley
Seeking a calculator on line for mortgage loan repayment
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clayton_headley
mortgage loan repayment calculators on line
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poppaD
What is the importance of planning for your retirement?
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Voldan
Retirement planning in a financial context refers to process of making financial provision for retirement prior to reaching retirement age. This normally results in the purposeful setting aside of money or other assets with the intention of deriving an income from those assets at retirement into old age. It basically is a savings account that allows you to retire and still be financially stable.
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Shanny
The ultimate method of retirement planning doesn't necessarily result in the use a retirement plan as alternative methods of investing may be more appropriate.
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LSHelms
The process of retirement planning aims to: (1) assess a client's readiness-to-retire given a desired retirement age and lifestyle,i.e. do they have sufficient money to afford to retire; and (2) to identify client decisions or actions to improve readiness-to-retire
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Limey
How can I obtain a financial plan for retirement?
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Tedsmom
In recent years, producers such as a financial planner or financial adviser have been available to help clients develop retirement plans, where compensation is either fee-based or commissioned contingent on product sale. Such arrangement is sometimes viewed as conflicting to a consumer's interest to have advice rendered without bias or at cost that justifies value.
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bpmiller
Consumers can now elect a do it yourself (DIY) approach, given the advent of a large, ever growing body of resources. For example, retirement web-tools in the form of simple calculator, mathematical model or decision support system have appeared with greater frequency. A web-based tool that allows client to fully plan, without human intervention, might be considered a producer. A key motivation beyond the DIY trend is based on many of the same arguments of Lean manufacturing process, a constructive alteration of the relationship between producer and consumer.
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rogjohnson
Retirement finances touch upon a motley of distinct subject areas or financial domains of client importance, including: investments (i.e. stocks, bonds, mutual funds); real estate; debt; taxes; cash flow (income and expense) analysis; insurance; defined benefits (e.g. social security, traditional pensions). From an analytic perspective, each domain can be formally characterized and modeled using a different class (computer science) representation, as defined by a domain's unique set of attributes and behaviors.
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Rollerskt36
Can an individual contribute to an IRA and another retirement plan at the same time?
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fanjacobs
Yes, individuals can contribute to a traditional IRA whether or not they are covered by another retirement plan
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SRcurt
Small catch... they may not be able to deduct all of their contributions if they or their spouses are covered by an employer-sponsored retirement plan.
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capersix
Note that contributions to a Roth IRA are not deductible and income limits apply.
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calrri
Will I lose my retirement accounts or payments from social security if I file for bankruptcy?
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miamahot
Generally, no. Retirement accounts that are ERISA-qualified aren't considered property of an estate and cannot be taken.
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cooper1958
Social Security benefits are generally protected from assignment, or garnishment for debts in bankruptcy. The Social Security Administration's responsibility for protecting benefits against legal process and assignment usually ends when the beneficiary is paid.
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galeharris
Once paid, the benefits continue to be protected only as long as they can be identified as Social Security benefits. For example, money in a bank account where the "only" deposits into the account are direct deposits of Social Security benefits are "identifiable" and generally protected.
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mbowman513
FreeSeniorCitizensSolutions.com We have a national website that is the largest, most comprehensive website of its kind devoted to helping senior citizens. Our mission is to be a free resource for Senior Citizens regarding Medicare, Medicaid, Medigap policies, Discounts for Senior Citizens and other essential information for independent living. The baby boomer generation is so extensive that it can utilize the services of all industries. And in addition to senior citizens over age 65, we have a large number of members that are ?pre-senior baby boomers' that are in the 50-65 year old range who are about to begin their golden years and will need the services that current seniors are utilizing now. What we are trying to achieve is to expose all of our members to the services that your company can provide. From our research, the baby boomer generation reaching retirement age will be increasing for the next 20 years, and the opportunity to serve this growing demographic will be a tremendous source of business in the future. We are interested in forming a corporate alliance to enrich this population's life and assist a generation of people that now require all of our services. We are currently receiving a large number of inquiries from companies seeking to partner with us and are selective as to the companies we are seeking to align ourselves with. If you wish to be considered for inclusion in this alliance, wish to link our sites in a web partnership or would be interested in advertising via a banner ad, contact us at mark@FreeSCS.com. Warm Regards, Mark Bowman President FreeSCS.com
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