Tune up your 401k: EARN 50% more Tax-FREE
Accumulate $1,000,000 free of fees and taxes.
Avoid ALL 401k plan Wealth Killers.
Use a tax-FREE account--better than tax-Deferred.
Buy low-cost mutual funds averaging 10-12%.
Avoid ALL 401k plan Wealth Killers.
Use a tax-FREE account--better than tax-Deferred.
Buy low-cost mutual funds averaging 10-12%.
Accumulating wealth requires that we avoid high plan and advisor fees, commissions, loads and ... taxes--the Wealth Killers.
Since you have a 401k, why not earn 50% more? We avoid fees by buying ONLY the financial services we need at a discount. We avoid taxes by using an IRS-approved tax-FREE account. We reinvest ALL our earnings. We accumulate $1 million by leveraging the Miracle of Compounding over time.
Since you have a 401k, why not earn 50% more? We avoid fees by buying ONLY the financial services we need at a discount. We avoid taxes by using an IRS-approved tax-FREE account. We reinvest ALL our earnings. We accumulate $1 million by leveraging the Miracle of Compounding over time.
Boomers working for themselves to guarantee retirement money
A recent survey by AARP found 10 percent of workers ages 45 to 74 plan to start a business and 15 percent workers in this age range are already self-employed. Some start a business due to a job loss, others had already retired but weren't ready to fully stop working. On average, self-employed workers in their 40s or 50s may spend nearly two decades working for themselves, the AARP study found. Nearly 75 percent of older self-employed workers surveyed by AARP indicated that their business made a profit in 2011. That may explain why nine out of 10 believe it is not likely they will have to stop working in the next year.http://www.amazon.com/Are-you-ready-retirement-worst/dp/1491002662
Credit bureaus destroy your credit and prospects for job, insurance, etc AND
Answer to no one!
Despite the huge judgment—$18 million—little is going to change for the millions of Americans who discover errors in their credit reports. The credit bureaus are willing to tolerate these errors — and settle with consumers out of court — as a cost of doing business, according to credit experts and lawyers who work on these cases. “Their business model is to keep doing the same thing over and over again,” said Justin Baxter, the lead lawyer on Ms. Miller’s case. “They can buy off a number of consumers with small dollar amounts and get rid of the vast majority of cases. To Equifax, that’s the cost of doing business.” The bureaus often outsource thousands of disputes daily to workers overseas. Congress does nothing after damning FTC report.
The dispute process is not easy or effective: http://www.nytimes.com/2013/08/03/your-money/credit-scores/credit-bureaus-willing-to-tolerate-errors-experts-say.html?
CaliforniaChoice, the nation’s most successful small group private exchange, said today it welcomes the addition of Covered California into the state’s health insurance landscape. CaliforniaChoice launched its private health insurance exchange in California in 1996 and currently serves more than 10,000 employers and 150,000 individuals statewide. “Competition makes everyone better, and consumers always win when competition is free and open” Covered California announced the carriers who will be participating in its Small Business Health Options Program (SHOP) marketplace. Some of this network overlaps the long-established network of CaliforniaChoice, widely considered one of the best health insurance exchanges in the country with coverage from Aetna , Anthem Blue Cross, Health Net, Kaiser Permanente, Sharp Health Plan, and Western Health Advantage. https://www.calchoice.com/
Paying more on student loan than needed?
Just 3 out of 10 borrowers in the repayment plans that pegs a borrower’s payment to his or her monthly income. These income-based repayment plans (known as IBR) are generally praised by student advocates for making loans affordable and because they forgive the remaining balance after 10, 20, or 25 years, depending on the program. Survey found that given the average amount borrowers in each program owed, “it’s possible that many borrowers in plans not based on income might be better off with an income-based plan.” Compare your payment to an IBR plan: http://www.businessweek.com/articles/2013-08-07/the-u-dot-s-dot-has-a-really-helpful-student-loan-repayment-program-and-no-ones-using-it?
Obama’s own staff workers don’t know that ObamaCare is for those without health insurance!
IRS chief Daniel Werfel says he wants to keep his health care plan, not switch to Obamacare in testimony to GOP.
Werfel should read the law he is supposed to enforce: http://www.naic.org/index_health_reform_faq.htm
What RomneyCare accomplished for Massachusetts: http://mittromneycentral.com/resources/romneycare/#1
Two Americas —Going part time
According to a recent Gallup poll: Fewer Americans aged 18 to 29 worked full time for an employer in June 2013 (43.6%) than did so in June 2012 (47.0%).
SCAMS “Deficits don’t matter” Republican godfather, Dick Cheney, 2002
IAN
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