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Your Individual Retirement Account (IRA): Resolutions for Wealth & Happiness in 2009
We look to the New Year and, hopefully, our resolutions for wealth and happiness in 2009. For many, it could be as simple as saving more and contributing to an IRA account. It’s one of the easiest ways to secure a comfortable future.
Unless you’ve just arrived from another country, most of you reading this know IRA stands for an Individual Retirement Account. It’s probably a safe bet that many of you have them and make regular contributions to one, or to a similar workplace retirement account.
Perhaps you have plans to ultimately use the money to fund your retirement, help out…
1Jan2009 | Investment U | 0 comments | ContinuedTax-Managing Your Investment Portfolio: There’s Still Time to Cut Your 2008 Taxes
Investment legend John Templeton insisted that everyone’s long-term investment goal should be the same: maximum total return after taxes.
In my experience, investors spend plenty of time thinking about risk and return, but not enough about taxes. That’s unfortunate. Especially since – unlike the stock market, interest rates or inflation – taxes are controllable.
Yet too many investors are surrendering far more to the taxman than they should. A Vanguard study, for example, found that the typical investor is giving up 2% a year to the IRS.
That’s nearly 20% of the long-term return of the S&P 500. How can you stop this…
4Dec2008 | Investment U | 0 comments | ContinuedCredit Crisis Safety Plays: Banking Ratings Report Can Provide Peace of Mind and Warn You if Your Bank is Weak
When federal banking regulators last week seized the Houston-based Franklin Bank SSB (FBTX), it became the 18th bank failure this year amid the ongoing credit crisis. With total assets of $5.1 billion and total deposits of $3.7 billion, Franklin wasn’t the largest bank failure this year – that honor belongs to IndyMac Bancorp Inc. (OTC: IDMCQ), which had more than $30 billion in estimated assets when it was seized by U.S. banking regulators in July. At the time, IndyMac was also the third-largest bank failure in U.S. history, reaching all the way back to 1934, U.S. News & World Report said…
14Nov2008 | Money Morning | Comments Off | ContinuedWhat to do When You’re Screwed
If it hasn’t become blindingly obvious over the past week, the economy is in some serious, serious trouble. A couple of weeks ago I wrote about how the housing crisis had taken its toll on Wall Street, and in the ensuing time it’s become obvious that the housing crisis was a lot worse than I had hoped it would be. The Dow is down, stocks are down, and we have yet to see just how badly shareholders are going to get hit. While I generally comment about stocks you should or shouldn’t be interested in, I’m going to break with…
25Sep2008 | Oxbury Research | Comments Off | Continued
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