Financial Tunes

Retirement planning? I am 27 years old and want to start saving and planning for my retirement. I have never researched anything like this before so all this investment talk and stuff is like another language to me. Can anyone help me understand this stuff so i can make an intelligant decision for my future.

Retirement Planning...? I'm looking into planning for retirement, or setting up retirement accounts (i.e. 403b, 401k, roth ira, traditional ira). Im 19 and i roughly make 18,000 a year. how much money should i put in a month? if so, which accounts would most benefit me? which accounts would be best to use? Thanks for the help! :)

retirement planning? need help planning retirement and investments

What is the right time to start 'Retirement Planning' ? When should one start planning for retirement years and what is the best retirement plan?

How to transfer the US-based 401k account balance to a 2a or 3a retirement planning account in Switzerland? The company I worked for in the U.S. is closing down the 401k plan. I moved back to Switzerland and would like to transfer the funds from this US-based 401k account back to a retirement planning account (so called 2a or 3a) without incurring taxes. HOW DO I DO THIS?

Retirement planning for American expats? When Americans live in other countries (and work for foreign companies), what do they do for retirement planning? The U.S. has tax treaties with many countries that avoid double taxation on incomes up to (about) $80,000, so assume it is one of those tax treaty countries.

Retirement planning and options at age 26? I'm 26, Single, Male earning about 3 lac p.a. in Delhi, India I wish to start planning and investing / saving for retirement ASAP. Can someone guide me with best retirement plans that I can consider and various other options that too should be included for a safe and healthy retirement corpus. Consider me not doing any investment right now and give your answers for a starter in Job.

What should i be looking into for retirement planning? I have to write a retirement plan for my gerintology class and i have no idea where to start. The plan is for myself at retirement, I am now 27 and expect to retire at 70.

Any Suggestions?! i'm planning to get a retirement plan (roth ira) under mutual funds, is this good or bad? Hi, i'm new here about Plans, Investments... I need your suggestions.. i'm planning to get a retirement plan (roth ira) under mutual funds, is this good or bad? what's its advantages/disadvantages?

who would i talk to about opening a IRA or planning for retirement? my husband and i work for places that don't offer ira or any kind of retirement plans. We have been saving some money in a normal savings account for a little while,but i want to move on to something better. My husband says to keep it in the normal savings account, i told him maybe a ira or investing may be better. i told him that there are many more ways of making more money than a normal savings account. We don't know where to start or who to talk too. any suggestions?

I am 26, should I start planning for retirement? I want to know what exactly is a retirement plan and is it government funded or.. Is it , for example, $10 you put into the retirement fund every month and at the end of , lets say the year , you have - $120. ?? If that's the case then why should I even have a retirement fund. I can just put it in my savings account can't i ? Am i wrong. Please help me.

What are the best steps to take in retirement planning? Given today's economy how safe are IRA's? My wife and I are both 31 years old, and we want to start saving for our retirement. We're interested in starting a Roth IRA, but with today's economy, we really don't know if that's the best choice, or with which company to go with. Basically we just need some advice.

Does anybody feel as crazy as I do about retirement planning and the downsizing they are doing at work? I am really worried about retirement and my current job. I can't say that I really care about financial planners. Are there any people who feel the same way. What is the solution? One financial planner told me that 2000 dollars today will only be worth 700 dollars in 20 years. Now that to me is scary. The ups and downs of the stock market make me awfully nervous. I get touchy when it comes to these financial planners but I get touchy when I think that I've got to have 85% of my income to retire too.

What software do you recommend for retirement planning? What formula should be used to ascertain if your investments will hold out and how much to budget for retirement?

Where do I start with learning about investing and retirement planning? I have been an assitant to a financial advisor for 6 months and I am not satisfied with just knowing how to fill out forms and where to send them. I would like to know the meaning behind most of the financial world's jargon (ETF's, IRA's, SIMPLE Plan, etc.) and also how to go about researching stocks. Where would I start? I really don't have any knowledge of these things besides tid bits I picked up around the office. Any book suggestions for a beginner or any links?

looking for professional retirement planning software? I am a CFP looking for reasonably priced professional retirement planning software that does estate planning, income tax planning life insurance needs analysis and investment planning. I found a 30 day free trial at www.execplanexpress.com of a comprehensive retirement planning software for only $299. Has anyone tried it or knows of something else that they have used

Where do I start to learn about investments and retirement planning? Is there a good website with explanations on terms such as mutual fund, bonds, equities...that also explains how to get started? I need help understanding person finance and investments. Any useful advice appreciated. Personal finance, I meant!

ING Direct Retirement Planning? I've had a savings account with ING Direct for almost a year now and have always been very pleased with them. I just recently started looking into retirement planning and discovered that they also offer Roth IRAs with very low startup requirements. Has anyone heard anything about this service, good or bad? Does anyone use them for retirement planning? I hear it's not always the best idea to do retirement planning through a bank because it's not their real speciality.

Retirement Planning Frustrations? I'm trying to start my retirement planning (roth IRA) at an early age. I'm 23, recent college grad, newly married. I have a small amount per month that I'm able to put in but not a whole lot right now. IT seems like everwhere I look they require either a high monthly deposit or 3000-4000 start up. I'm trying to start early because I know it's smart, but everywhere I turn is turning me down! I'm getting frustrated over the idea that I have to save up to save up! Any suggestions?

How does retirement planning affect or benefit your children in future?

What role does Insurance play in providing for the family and retirement planning?

This question is for teachers. I am new to this profession and I am curious about retirement planning? I am in my second year of teaching. I know that teachers have a retirement plan, as it comes out of our checks. Many companies visit our school trying to sell insurance, other plans, etc. I am interested in knowing whether or not I need to do an additional 401k plan. I was approached last year by a person at out school offering 403 plans. This year it was 401K. Do I need to take part in these plans? What do teachers really need? I have heard from retired teachers that their retirement was enough without these types of plans, but I know that times have changed. Any input would be greatly appreciated. Thank you. :)

Is anyone else worried about retirement planning? I am young, but I am always told if you invest $X each month for so many years at 8% average return then you will have enough to retire. I've been contributing 12% of my income to my 401(k) since I was 23 and as of right now I have lost money. Are those models going out the window with the economy in the crapper? It is starting to worry me since I'm not counting on SS being there when I retire.

Sam is planning his retirement and needs your help. He is, starting today, depositing $ 144 per month? Sam is planning his retirement and needs your help. He is, starting today, depositing $ 144 per month into a retirement fund that pays 7.9 % interest, compounded monthly. He will retire 38 years from now. What is the future value of this ordinary annuity? please explain

looking for a retirement party planning website Martha Stewart like? I haev to plan a retirement party for my boss. I want t to be realy nice.. Looking for a Martha Stewart Type Ideas. I looked on her site she doesnt have antying for retirement partys. I am looking for the whole shabang....From decorations to Menu's... Any ideas would be helpful also....As far as my boss he was into antique Cars specifically 56 chevy....Space...Planets.. Please help :) Thanks

What are considerations to think about when planning for retirement? A.) Time to retirement B.) Planned quality of life C.) Current savings D.) All of the above

I need good articles on the effects of the stock market on retirement and retirement planning?

How old is the right age to start planning retirement? I am 24 years old. I have started my first real job after Graduating from College. When is the right age to start a 401K?

Mrs. Miller is planning for her retirement, so she is setting up? Mrs. Miller is planning for her retirement, so she is setting up a payout annuity with her bank. She wishes to receive a payout of $1875 per month for 20 years. How much money must she deposit if her money earns 8% interest compounded monthly?

Im beginig mu savings retiremtnt planning What types of retirement plans might be best? please explain the p? Please explain the plan and why you think its best.

For people planning retirement: What is for you either appealing, or scaring, about retiring in Mexico? And how important is for you a location by the sea? Would you consider to retire in an inner mexican city?

which is better for retirement planning- SIP or ULIP? SIP- is systematic investment planning that is in MUTUAL FUNDS and ULIP is Unit Linked Insurance Policies

is there a good overview of retirement planning options and resources? Fixed annuities, variable annuities, Simple plans, Roth vs. Traditional IRA's -- I"m looking for an unbiased source of information and comparison

What is a reasonably conservative real % yield on investment capital to use for retirement planning purposes? Real % yield is net of inflation. So a 5% total yield with 3% inflation would be a 2% real % yield.

What do you think the future of social security is. And how is this affecting your retirement planning?

I just wanted to let you know Congress is planning a merge of your tax deferred retirement plans with that of? the social security system. I know... it's obvious many of you think i'm a troll. However i've told many of you "exactly" how things were "going to" happen and you laughed. Well.. they're happening now. Just figured you might want to know this as well. Seriously though, i don't even know why i'm telling you.

What is the best advice for planning my retirement? I'm in my early 30's and have already started a 401k plan with my company. I'm currently investing 5% and my company matches an additional 5%. I'm looking at other ideas to invest some money but don't know where to start. Any info or advice would be greatly appreciated.

Best way to start planning for retirement on a budget? I am mid 20's and don't want to be 70 before we can be "retired" Loking for ways to make a little money grow a little over time either through smart purchases or some type of plan, or I don't really know. Some people I know are getting realestate for rentals, maybe I can do that later, but am short budgeted now.

what do they mean by rate of return in retirement planning work sheets? working with my retirement advisor work sheet to figure my retirement goals and needs and they ask for rate of return

What can I do if I got a late start planning for retirement? How do I get started? I do not have a huge income? I am in my early thirties, and have some debt.

How do i start planning for retirement at age 40 knowly fully well that the economy is not friendly.?

When should i start planning for retirement? i don't currently have a pension and i can't really afford to save. i earn 24.5k a year. any advice?

What do you think is important when planning for retirement in terms of financial planning?

how long does it take to study for the CRPC(Chartered Retirement Planning Counselor)certification?

What's a good way to start financial planning for retirement, savings bonds, certificates, stocks...?

What is the best bussiness I can plan after my retirement. I am planning retirement after 10 years from now.?

im 18 but i want to start early planning for retirement whats the way to go ? any and al info appreciated which way what plan whtever you got

planning an retirement luncheon? Ok so i have to plan a retirement lucheon for a co worker but have no idea what to do but dont want to tell my boss trying to look good lol so i dont have a buget but i am chaning each person 20 per head that for food and gift need help on what type of food Decorations

what are the advantages and disadvantages of opening a retirement plan? I am planning to open a retirement plan but what are the advantages and disadvantages of opening a retirement plan and what is the best company to open an account with?

The effects of the current stock market downturns on retirement plans and/or retirement planning.? I want to know what you guys think about this topic

How do I choose a company to use for my retirement plan? I plan to open a 403(b) in August. I have been told that mutual funds are better (and cheaper) than annuities, and so that is what I want to put my money. (I don't intend this question to be a mutual fund vs. annuity debate). My school district sponsors 20 retirement planning companies, and their websites don't seem to distinguish the competition. Some companies include Fidelity, Primerica, Vanguard, Metro Life, Equitable, Putnam, etc. How do I choose which company is best for me whether or not I end up getting mutual funds or annuities? I teach in Florida. We have the Florida Retirement System (FRS). My school district puts money into that, which I can choose either to be a pension (with benefits after 6 years of service) or an investment plan (with benefits after 1 year). I choose the investment plan because I don't know if I will be in teaching in the long-run or if I will at least be in Florida for 6 years to get the pension benefit. According to everyone, the FRS will not be enough, so we have the option of opening up a 403(b) plan with one of these companies to supplement the FRS money. There is no matching in this 403(b). I am 23 years old.

I am planning retirement, is my social security taxable income? I will be 65 and there is no one hiring, I do have a part time job @ 9.00 hr for a total of 22 hrs a week

If I quit my job what happens to the money I have been contributing to my SURS retirement plan? I work for a community College and we have to contribute to a retirement plan called SURS. I am planning on quitting but don't know what happens to my money?

I'm thinking of planning a retirement. Is 31 too young to actually stop working, forever? I've worked hard, usually more than one job at a time since i was like 14. I see lazy people, everyday, who have never worked one day as hard as i do, normally. How do i get aboard that gravy train?

Are there any teachers out there who are planning to take the phased retirement option? I have been looking into taking early retirement. What experiences have people got of applying for phased retirement from teaching?

What retirement plan rules do you need to know for the series 7 exam? I have a STC book my company gave me and it has the 2004 numbers for all the retirement plans. I know there was a major change in late 2006, so should I know the old rules or the new ones? Also, I'm getting at least 90% on all practice exams and understand the options in the book very well. The only thing I have trouble with is remembering some details like all the exemptions for rule 2790. Is the exam that detailed?

What is the best retirement savings plan for a small business owner? I'm a small business owner (4 full time employees) who does not offer any retirement plan or have one for myself. My employees are commission based only. What would be the best retirement plan for me and for all of us, individually? Thanks!

Planning retirement..need suggestions on how to eliminate truck payment? I have a truck payment of $574. I owe $21K and the truck is worth $18.5K. Are there any options for me other than paying the note down to the 18.5K and selling, or letting it go back to the finance company?

retirement planning calculator - the best retirement planning calculator? Where can I find the best retirement planning calculator via online?

What’s the best way to plan for one’s retirement and when is a good time to start planning?

I am self employed, what are my retirement options? I am planning to retire in the next three years? I have been living in the U.S for 5 years, I have no W-2 wages since I am self employed. I have some social security credits but is that enough to retire. What is the minimum retirement or pension if I retire. I am 57 years old. Thanks in advance.

What are the best retirement plans for a yong lawyer to consider? i am a law school student and i want to know what would be the best way to plan out my retirement. Such as what i would be doing at what age. i am 26 now.

How good is a 403(b) retirement plan compared to the others? I am taking a new position at a non-profit organization. This company is offering a 403(b) retirement plan and I am wondering if I should take it or not. They will pay 75% after 1 year and I can make contributions, before taxes, of up to 10% and I can be fully vested after 3 years of employment . What is the difference between this and a 401K or other retirement programs really?

How much is maximum contribution for retirement plans? currently I am contributing to my 401k, can I also contribute to Roth IRA, and what is maximum contribution limit for retirement plan?

What do soldiers get if they work for 20 years in military as retirement plan, pay and benefits? What do soldiers get if they work for 20 years in military in terms of retirement plans, pay and benefits? Average is OK since I know it depends on a lot of factors. Also, what are the standard benefits?

If I have a retirement plan at work , can I stil contribute to a roth ira -? I file married filing jointly - what is the income cut off for donating to a roth? Husband is self- employed and no retirement plan - he puts his in a traditional ira - what is his cut off

What is the best retirement plan for self employed worker? I am 32 and working as a real estate agent. I don't have a retirement plan yet, people tell me to open a RothIRA or a simple 401k...i don't know much about these things, any advice is appreciated.

Are there any retirement plans not connected to the stock market? I am interested in finding a legitimate retirement plan that is not connected to the stock market. I already have an IRA and I just wonder if there is anything else available to limit risk from the stocks. I am also aware of forex ira's and bonds but Im looking for something truly unique.

How do i plan for health care bill after retirement? I recently read an article on MSN that health care after retirement is costing close to ~250k despite medicare and is growing at at brisk pace of 6-7.5% a year. How do i plan for this in my retirement plan ? This kind of expenses will erode my retirement savings by a lot.