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1
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In Fear of Retirement
Many baby boomers are staring at retirement like a deer caught on
oncoming headlights. They are not sure what to do or what else to
do. They fear that whatever they have in savings just might not
be enough. Less than 1 out of 5 workers felt very confident about
having enough money for a comfortable retirement, according to
the April 2008, EBRI Retirement Confidence Survey. And with good
reasons, inflation is zooming at the same time that asset values
are flagging.
Written by: Daniel Lamaute
Distributed: 2008-05-08
- Word Count: 646 - Viewed: 22 - Votes: 0
http://thePhantomWriters.com/free_content/db/l/in-fear-of-retirement.shtml
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2
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Consolidating of High Rate Credit Card Debt with a 401K Loan
Banks are putting the squeeze on even their best long term card
holders at a time when other sources of credit, such as home
equity loans for example, are harder to come by. A lot of people
are shocked to receive notices that their credit card rate has
jumped to as high as 28 percent even though they've kept good
credit and an excellent payment history.
Written by: Daniel Lamaute
Distributed: 2008-04-23
- Word Count: 406 - Viewed: 77 - Votes: 0
http://thePhantomWriters.com/free_content/db/l/consolidating-credit-card-debt.shtml
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3
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Using a 401K Loan to Stop Foreclosure
A bankruptcy or foreclosure can cripple one's ability to obtain
decent credit for many years. In addition, some employers and
landlords won't hire or rent to a candidate with terrible credit
history. Thus, it is a good idea to discuss all options with a
financial planner before ending in bankruptcy or foreclosure.
Written by: Daniel Lamaute
Distributed: 2008-02-11
- Word Count: 465 - Viewed: 354 - Votes: 0
http://thePhantomWriters.com/free_content/db/l/using-a-401k-loan.shtml
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4
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Starting A Business After Retirement
For a lot of people retirement is but a transition that frees
them to live their dream of running their own business. Census
figures show that about 20 percent of those in their 50s were
self-employed. But, twice that, a whopping 40 percent of those
working past age 70 are in business for themselves.
Written by: Daniel Lamaute
Distributed: 2007-10-23
- Word Count: 565 - Viewed: 189 - Votes: 1 - Rating: 5.00
http://thePhantomWriters.com/free_content/db/l/starting-a-business.shtml
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5
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Selecting Between a 401(k) And 403(b) For a Nonprofit
Newly released IRS regulations impose several new requirements
and fiduciary responsibilities on employers with 403(b) plans.
While the regulations generally don't take effect until January
1, 2009, there are some provisions that apply sooner.
Written by: Daniel Lamaute
Distributed: 2007-10-11
- Word Count: 333 - Viewed: 273 - Votes: 0
http://thePhantomWriters.com/free_content/db/l/401k-vs-403b-for-nonprofits.shtml
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6
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401K Loans for Emergencies
For many people the quickest way for them to access an emergency
loan quickly is to tap their credit cards, or their retirement
account. But these methods have their drawbacks. Credit cards
generally carry high double digit interest rates and wicked fees.
On the other hand, early withdrawals from an IRA or 401K can
trigger tax and penalties of up to 45% of the money withdrawn.
Written by: Daniel Lamaute
Distributed: 2007-10-10
- Word Count: 343 - Viewed: 271 - Votes: 2 - Rating: 3.00
http://thePhantomWriters.com/free_content/db/l/401k-loans-for-emergencies.shtml
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7
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Tax Free Retirement Income with the Roth IRA and Roth 401(k)
Under this year's new tax rules it's possible to have a Roth
401(k) in addition to a Roth IRA for Tax Free Retirement Income.
Written by: Daniel Lamaute
Distributed: 2006-09-26
- Word Count: 435 - Viewed: 594 - Votes: 5 - Rating: 2.60
http://thePhantomWriters.com/free_content/db/l/free-retirements.shtml
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8
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The Individual 401k - BIG Business Benefits For The Home Business
Major mutual fund and investment management companies now offer
self employed individuals 401k plans that are easy to install
and administer at very low cost. What's more independent
contractors and small business owners can borrow part of
their retirement savings tax-free and penalty free by taking
advantage of a loan provision in these new plans.
Written by: Daniel Lamaute
Distributed: 2006-04-18
http://thePhantomWriters.com/free_content/d/l/individual_401k.shtml
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9
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Unemployment May Require a 401(k) Defensive Strategy
We all plan and prepare for what lies ahead of us, but can we
truly know what our future holds? In all of our planning, we
never seem to account for that Mack truck barreling down the
freeway, out of control and on a direct path for our vehicle.
Written by: Daniel Lamaute
Distributed: 2006-04-11
http://thePhantomWriters.com/free_content/d/l/401k-defensive-strategy.shtml
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10
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Finding Debt Relief in Stressful Financial Times
With consumer debt at this all-time high, debt consolidation
may be a good move for a large number of American consumers.
Written by: Daniel Lamaute
Distributed: 2006-03-01
http://thePhantomWriters.com/free_content/d/l/debt_relief.shtml
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11
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Your Retirement - Full of Golden Years or Golden Arches?
In light of all of the recent news concerning corporate fraud
and 401(k) pension fund mismanagement, it is imperative that you
take the time to learn about what you need to do personally to
protect your own retirement assets.
Written by: Daniel Lamaute
Distributed: 2006-02-17
http://thePhantomWriters.com/free_content/d/l/golden_arches.shtml
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12
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New Years Resolution to Eliminate Credit Card Debts
The fact that most credit card companies are doubling their
required minimum monthly payments will push consumers to be
more diligent about replacing their card debt with an
alternative...
Written by: Daniel Lamaute
Distributed: 2006-01-19
http://thePhantomWriters.com/free_content/d/l/eliminating-credit-card-debt.shtml
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13
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Roth 403(b) Plans for Nonprofits
Non-profit organizations can now offer a Roth 403(b) to their
employees, thanks to new rules that took effect in 2006.
Written by: Daniel Lamaute
Distributed: 2006-01-10
http://thePhantomWriters.com/free_content/d/l/roth-403b-for-nonprofits.shtml
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14
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The New Roth 401K And Contribution Limits For 2006
The 401(k) is undergoing its biggest change in 25 years. This
year not only can you can put more money than ever before in
your 401(k) but you can also add a Roth option.
Written by: Daniel Lamaute
Distributed: 2006-01-06
http://thePhantomWriters.com/free_content/d/l/new-roth-401k-for-2006.shtml
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15
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Taking Charge of Your 401(k) Investments
These days financial services firm, Lamaute Capital Inc., is
seeing a lot more investors worried about their retirement
and the miserly growth of their 401(k) investments.
Written by: Daniel Lamaute
Distributed: 2005-06-23
http://thePhantomWriters.com/free_content/d/l/take-charge-401k-investments.shtml
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16
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Ira Distributions Deadline For Seniors
IRA investors who reached age 70 ½ last year should begin taking
a Required Minimum Distribution (RMD) from their accounts by
April 1, this year to avoid being subject to a hefty 50% tax
penalty.
Written by: Daniel Lamaute
Distributed: 2005-02-15
http://thePhantomWriters.com/free_content/d/l/ira-distributions-deadline.shtml
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17
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A Simple Plan For A Start-Up Loan
When seeking money for their start-up business many entrepreneurs
are using a simple plan to get a loan from their own IRA or
401(k) assets.
Written by: Daniel Lamaute
Distributed: 2005-02-09
http://thePhantomWriters.com/free_content/d/l/simple-start-up-loans.shtml
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18
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Small Business Tax Deductions for Year End 2004
As a small business owner, it's wise to familiarize yourself
with some key deductions that may reduce your tax bill for 2004.
Written by: Daniel Lamaute
Distributed: 2004-12-08
http://thePhantomWriters.com/free_content/d/l/key-2004-tax-deductions.shtml
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19
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Protecting the Tax Advantage of Your Deferred Compensation
The American Jobs Creation Act of 2004 imposed strict new rules
on non-qualified deferred compensation plans. Beginning in
2005, deferred compensation programs that are not in compliance
with the new rules may be taxed as wages, slapped with a 20\%
excise tax, plus charged an interest penalty.
Written by: Daniel Lamaute
Distributed: 2004-11-10
http://thePhantomWriters.com/free_content/d/l/american-jobs-creation-act.shtml
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20
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Rules of Simple IRA Your Business Needs to Know
A Savings Incentive Match Plan for Employees plan, better known
as a SIMPLE plan, is an IRA-based retirement plan available to
employers with fewer than 100 employees.
Written by: Daniel Lamaute
Distributed: 2004-11-02
http://thePhantomWriters.com/free_content/d/l/savings-incentive-match-plan.shtml
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21
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Rules for Simplified Employee Pension Plans better known as a SEP Plans
A SEP is a special type of IRA. Under a SEP plan the employer
creates an IRA account for each eligible employee, hence the name
SEP-IRA. A SEP is funded solely with employer contributions.
Employees do not make contributions to their SEP-IRA retirement
account. Any money that goes into a SEP automatically belongs
to the employee. Thus, the employee has the right to take his
SEP IRA account money with him whenever he stops working for
the company.
Written by: Daniel Lamaute
Distributed: 2004-10-29
http://thePhantomWriters.com/free_content/d/l/simplified-employee-pensions-plans.shtml
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22
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Seven Key Tax Deductions for the Self Employed
As a sole proprietor, it's wise to familiarize yourself with
the some key deductions that may reduce your tax bill for 2004.
Small-business consultants generally recommend that you hire an
accountant to prepare your tax returns, payroll and financial
statements. But you should also meet with your accountant well
before the year-end rush to discuss such matters as tax planning,
and record keeping for tax deductions.
Written by: Daniel Lamaute
Distributed: 2004-09-30
http://thePhantomWriters.com/free_content/d/l/self-employment-tax-deductions.shtml
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23
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Your Employer is Going Bankrupt - What Happens to Your Pension Benefits?
What happens to your retirement benefits when your employer
faced with financial distress and bankruptcy decides to terminate
their pension plan? To gauge the potential risk to you of a plan
termination you first need to know what kind of plan you have
with your company.
Written by: Daniel Lamaute
Distributed: 2004-08-05
http://thePhantomWriters.com/free_content/d/l/bankrupting-your-pension.shtml
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24
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The Biggest Self-Employed Tax Deduction
In what may be the biggest tax deduction scheme around, some
self-employed individuals are sheltering as much as $165,000
or more per year with tax deductible contributions to their
retirement plans. Such high levels of deductions can be
legitimately achieved through the use of a defined benefit,
or DB, retirement plan.
Written by: Daniel Lamaute
Distributed: 2004-06-11
http://thePhantomWriters.com/free_content/d/l/self-employed-deductions.shtml
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25
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Health Savings Accounts for the Self-Employed
When Congress passed the Medicare reform bill in late 2003,
they created a new way for small businesses and individuals
to obtain affordable health insurance through health savings
accounts (HSAs). Also referred to as HealthCare IRAs, HSAs
combine a high-deductible health insurance policy with a
tax-exempt savings account. They are available to individuals
younger than 65.
Written by: Daniel Lamaute
Distributed: 2004-05-27
http://thePhantomWriters.com/free_content/d/l/health-savings-accounts.shtml
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26
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Small Business Loans That are Easier to Get
When it comes to small business loans the majority of banks and
financial institutions are out of step with the needs of the
small business owners. They insist on tying their business
loans to assets such as brick, mortar, and equipment. All the
while, they ignore the fact that going forward businesses with
the greatest potential for growth will be those whose real
assets consist of the ideas, knowledge, and vision of the owners
and employees.
Written by: Daniel Lamaute
Distributed: 2004-05-03
http://thePhantomWriters.com/free_content/d/l/small_biz_loans.shtml
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27
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Last Ditch Money to Stop a Home Loan Foreclosure
Are you facing the prospect of losing your home in a bank
foreclosure? Many who are experiencing a temporary financial
squeeze will withdraw cash out of their IRA in order to save
their home. However, getting a loan from your retirement
account may be a smarter way to go than taking an IRA early
distribution.
Written by: Daniel Lamaute
Distributed: 2004-05-03
http://thePhantomWriters.com/free_content/d/l/preventing_foreclosure.shtml
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28
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Penalty Free Money for College from Your IRA
Higher education is very important for landing lucrative jobs.
For many the challenge is finding the money for college. One
piece of good news is that if you use money from an IRA to pay
for education expenses the IRA account holder may qualify for
a tax break.
Written by: Daniel Lamaute
Distributed: 2004-05-03
http://thePhantomWriters.com/free_content/d/l/money_for_college.shtml
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29
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Last Resort Money For Home or Business
Looking to pull money out of your IRA? Maybe you need the money
to grow your business, to buy a home, or to get you through a
financial bind. Well, before touching your nest egg you should
first learn about the ways to help protect your nest egg from
hefty taxes or penalties.
Written by: Daniel Lamaute
Distributed: 2004-05-03
http://thePhantomWriters.com/free_content/d/l/last_resort.shtml
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30
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The Language of Business
The language associated with starting a business is unique.
Using the correct business terms makes you look more
professional and helps others understand exactly what you are
trying to communicate to them. There are also important legal
reasons to use specific language when describing your business.
Here is a list of familiar (and not-so-familiar) terms that can
help you learn the language of business:
Written by: Daniel Lamaute
Distributed: 2004-05-03
http://thePhantomWriters.com/free_content/d/l/language_of_biz.shtml
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31
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Free People Search with the Help of the IRS
Few pieces of mail can get your attention as much as a letter
from the Internal Revenue Service. Even in these times of tax
refunds, you can't be sure if an envelope from the IRS brings
bad news or a check from Uncle Sam. Now comes a new twist, a
letter from the IRS may not be about your taxes at all. That*s
because the tax collector has offered to act as courier for
people looking to match unclaimed assets with their owners.
Written by: Daniel Lamaute
Distributed: 2004-05-02
http://thePhantomWriters.com/free_content/d/l/irs_people_search.shtml
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32
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Health Insurance for the Self Employed
Health insurance, having enough and being able to afford it, is
one of the most nagging concerns for those who leave corporate
America to run their own business.
Written by: Daniel Lamaute
Distributed: 2004-05-02
http://thePhantomWriters.com/free_content/d/l/health_insurance.shtml
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33
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Interested In Being A Consultant? Here Are 5 Key Steps To Consider.
If you're thinking about hanging up your shingle as a
consultant, you probably already have most of what you'll
need. Odds are, you know the business, you have the skills
and experience, you know or have the certifications you'll
need, and you may have a good idea of where your first clients
will come from. The following steps can help you start on the
right track:
Written by: Daniel Lamaute
Distributed: 2004-05-02
http://thePhantomWriters.com/free_content/d/l/consultant.shtml
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34
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Child Tax Credit Refunds
The Jobs and Growth Tax Relief Reconciliation Act of 2003
increased the maximum Child Tax Credit for 2003 and 2004 to
$1,000 per child, up from $600 for tax year 2002.
Written by: Daniel Lamaute
Distributed: 2004-05-02
http://thePhantomWriters.com/free_content/d/l/child_tax_credit.shtml
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