http://www.submityourarticle.com/articles/Shane-Flait-5433 The latest quality free reprint articles from Shane Flait at SubmitYOURArticle.com Sat, 18 Feb 2012 14:51:42 +0000 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. http://articles.submityourarticle.com/Shane-Flait-5433/annuity-241991.php Wed, 15 Feb 2012 00:00:00 +0000 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.... http://articles.submityourarticle.com/Shane-Flait-5433/guaranteed-acceptance-248857.php Thu, 16 Feb 2012 01:14:25 +0000 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. http://articles.submityourarticle.com/Shane-Flait-5433/life-insurance-248853.php Wed, 15 Feb 2012 14:35:02 +0000 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. http://articles.submityourarticle.com/Shane-Flait-5433/trust-248848.php Sun, 12 Feb 2012 16:04:19 +0000 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... http://articles.submityourarticle.com/Shane-Flait-5433/land-trust-248847.php Sat, 11 Feb 2012 15:11:15 +0000 When you purchase a life insurance policy on your life, you can obviously designate a beneficiary for its death benefit. But if there's no live or designated beneficiary, it'll go into your estate's probate process with its own beneficiaries. Here's why you should avoid letting this happen... http://articles.submityourarticle.com/Shane-Flait-5433/life-insurance-248845.php Fri, 10 Feb 2012 14:48:23 +0000 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. http://articles.submityourarticle.com/Shane-Flait-5433/company-stock-248844.php Wed, 08 Feb 2012 20:40:23 +0000 Are you of modest means and worry about how to invest your money in these tough times? If you really can't afford to risk any of your money to market downturns, then perhaps you should try an all-bond portfolio. http://articles.submityourarticle.com/Shane-Flait-5433/retirement-248842.php Mon, 06 Feb 2012 19:42:13 +0000 The dollar has been on a roller coaster ride relative to the euro since 2007. Maybe you can make use of it for your portfolio for either profit or protection. Predicting the exchange rate fluctuations of the dollar-to-euro may not be so difficult. Here's what's been happening... http://articles.submityourarticle.com/Shane-Flait-5433/exchange-rate-248840.php Sun, 05 Feb 2012 16:40:04 +0000 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. http://articles.submityourarticle.com/Shane-Flait-5433/401k-248784.php Sun, 05 Feb 2012 06:58:14 +0000