Investments

Strategy: Pay Life Insurance Premiums with Portfolio Earnings

One of the psychological hurdles in deciding to include whole life insurance in your financial program is the requirement of regular premium payments, possibly for the rest of your life. (Which could be a long time.) It is possible to …
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How Two Health Care Laws Uncovered a “Bulked Up” Retirement Account

  The moment a new law is enacted, someone is wondering if there is a way to take advantage of it. This dynamic is frequently seen in financial regulation. Lawmakers use taxes and incentives to generate revenues and influence group …
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Average Annual Rate of Return: (If you’re going to use It, know what it is)

A common way to assess the performance of a financial product is to calculate its average annual rate of return. This calculation can be a valuable tool for consumers because it provides a consistent measurement of progress and may allow …
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Don’t Ignore the Saving-Investing Distinction

Enter the phrase “difference between saving and investing” in a search engine, and there will be no shortage of material. From blogs by personal finance hobbyists to formal statements (complete with disclaimers) by the Securities and Exchange Commission, a lot …
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Buckets: Does a Macro Approach Fit a Micro Issue?

One of the biggest challenges in designing financial programs for individuals is their individuality. People have different skills, needs, interests, objectives and current circumstances; personalized financial planning is a micro issue. And every plan is unique. In contrast, governments and …
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IRA Rollovers:

A loophole is not a loophole, even if the IRS permits it If you had a tax question regarding an IRA account, you might read an IRS publication online or consult with an attorney well-versed in tax law. If the …
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Financial Information: Consider the Source

A January 4, 2014, headline from a national financial publication read: “How to Invest as Rates Rise” The article begins with a rationale on why interest rates are likely to rise, proceeds to predict the impact of rising rates on …
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Divorce and the Business Owner: Pre-Planning is Key

Story by: Eric C. Peterson, Contributing Writer of New Jersey Business Magazine Divorce can be a long, expensive and painful process, but what if one of the spouses owns a small or mid-sized business?  How does that factor into the …
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Retirement Serenity

For many Americans, retirement is a stressful topic. Surveys repeatedly show a large percentage of US households are nowhere close to accumulating enough assets to enjoy a comfortable retirement. Instead, they live with a series of nagging thoughts about the …
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Indexed Insurance Products: Fad, Trend, or New Standard?

Unhappy with low interest rates, but disinclined to take more risk, savers are asking “Isn’t there anything else?”

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Posted in Annuities, Individuals, Investments | Comments Off on Indexed Insurance Products: Fad, Trend, or New Standard?