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IRA News

News on IRA continually updated from thousands of sources around the net.

1 hr ago | Investopedia

Substantially Equal Periodic Payment (SEPP): Learn The Rules

If you have assets in an IRA , qualified retirement plan or 403 account, your intentions may be to defer taking distributions until after you reach age 59.5, when the early distribution penalty would not apply. However, unexpected financial hardships may force you to withdraw assets prematurely.

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Related Topix: Personal Finance, Tax

4 hrs ago | MSN Money

Study: Fewer Americans have retirement accounts

In 2013, ownership of retirement accounts by U.S. households fell below 50 percent, continuing a downward trend. And if you're a lower-income individual, the retirement participation percentage was even lower, at 40 percent -- an eight percentage point decline since 2007.

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Related Topix: Personal Finance, Retirement

7 hrs ago | Vail Daily News

Vail Daily column: Prepare yourself for the unexpected

Are you ready for this? September is National Preparedness Month. Sponsored by the Federal Emergency Management Agency, National Preparedness Month seeks to educate Americans on preparing for natural disasters and other types of emergencies.

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Related Topix: Vail, CO, Personal Finance, Retirement, Estate Planning, Long Term Care, Health

10 hrs ago | Forbes.com

Back To School 2014: Paying For School & Expenses With A Coverdell ESA

Years ago, I found myself sitting in law school in Moot Court wearing an oversized itchy blue suit. It was a horrible experience.

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Related Topix: Philadelphia, PA, Tax, Temple University, Personal Finance, Retirement

12 hrs ago | Fermanagh Today

Martin McGuinness speaking in the Northern Ireland Assembly 15-09-14

Martin McGuinness has urged politicians to rise to the challenge of securing peace and a better future for Northern Ireland following Ian Paisley's death. The Deputy First Minister paid a heartfelt tribute to Dr Paisley and revealed that he had a two-hour coffee meeting with Dr Paisley and Baroness Paisley, meaning that the former IRA commander saw Dr Paisley much more recently than many DUP MLAs or Free Presbyterian ministers.

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Related Topix: Personal Finance, Irish Republican Army

14 hrs ago | Seeking Alpha

Not Only Did I Sell Everything In My Roth IRA, But I Also Went Semi-Short

I don't think the world is going to end, just that there will be better opportunities to initiate stock positions at lower prices before year-end. My interest in the stock market as well as other financial markets started during my freshman year of college in 2010.

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Related Topix: Personal Finance, us Travel, Travel, Biotech, Startups, Medicine, Gilead Sciences, CGI Pharmaceuticals, Healthcare Industry, Energy, Kinder Morgan, Oil & Gas

17 hrs ago | Investopedia

6 Proven Tips For Series 6 Success

The Series 6 is a tough exam, especially for those who find it is their first introduction to the world of securities. In this article, we'll give you six additional easy tips on how to approach the information and proven techniques for studying for and taking the test.

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Related Topix: Personal Finance

17 hrs ago | Investopedia

5 Retirement Planning Rules For Recent Graduates

Young people just starting out may not know where they are headed in terms of a career path. However, that doesn't mean that they shouldn't plan for retirement.

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Related Topix: Personal Finance, Retirement, Social Security

20 hrs ago | Investopedia

It's Never Too Early To Start Saving

Graduating college is a major milestone and achievement in one's life, especially given that only 53% of college students graduate within six years, according to the American Enterprise Institute. After commencement, responsibilities in the form of attending classes and taking exams are soon replaced by landing a good job, launching one's career, paying back student loans and saving.

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Related Topix: Personal Finance, Retirement

Sun Sep 14, 2014

Credit.com

Is a Roth IRA Right for You?

Sometimes when I focus so much on saving, I watch the numbers climb without thinking too much about the way I am saving it and whether there are better options. When planning how you will save money for retirement , it's a good idea to consider your decisions carefully.

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Related Topix: Personal Finance, Retirement

The Motley Fool

401k Withdrawal Strategies: The Good and the Bad

Few of us are offered pensions by our employers anymore, but many of us are able to contribute to 401k accounts -- ideally receiving some matching contributions. It's smart to sock away as much as we can for retirement, building a fat nest egg.

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Related Topix: 401K, Personal Finance, Pension, Retirement, Social Security

The Indianapolis Star

Pete the Planner: Don't tap your 401(k) to pay off debtPete the...

Since you didn't send me the particulars of your situation, Willie, I've have to make them up. I'll try to recreate your scenario the way I see it.

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Related Topix: Personal Finance, Retirement, Credit Card Debt

Wills, Trusts & Estates Prof Blog

What to Know About Your IRA

The "I" in IRA stands for individual and is significant, as you have the ability to customize your deposits, take withdrawals when you want, and you are responsible for paying taxes on distributions. Below are a few features of IRAs that will help you get the most out of your contributions: Contribute to more than one IRA.

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Related Topix: Personal Finance

Morningstar

For Fund Companies and Brokerages, Plenty of Room for Improvement

Regular visitors to Morningstar.com know that some investors are downright territorial when it comes to their choice of fund company or brokerage. Perhaps it's the firm's investment lineup, low fees, the quality of its customer service, or just the way it does business that produces this favorable impression.

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Related Topix: Mutual Funds, Personal Finance

Sat Sep 13, 2014

Investopedia

Will You Pay Taxes During Retirement?

One of the key issues facing many retirees today is income taxes . Those who have to pay substantial taxes after they stop working are left with a smaller amount of money to live on than they may have expected, while those who pay little or no taxes can often get by on fairly modest means.

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Related Topix: Personal Finance, Retirement, Social Security, Pension

Paradise Post

Playing the What IF game

What if you had a friend who spent money right and left on what seemed like anything their heart desired? What if your friend never bothered to balance their budget and over the years had incurred a substantial amount of debt and, year after year, continued to borrow more and more? What if your friend had huge expenses looming for their health and retirement needs, but hadn't developed a comprehensive plan to pay for it? What if YOU were responsible for keeping your friend's financial ship afloat? Would you be a little concerned? Would you set aside a little extra, or maybe a lot, to cover their anticipated shortfall and lack of planning? What if your "friend" was the U.S. Federal Government and his sidekick the State of California? Rarely do I encounter someone who has fully incorporated income taxes into their retirement planning projections.

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The Motley Fool

Calculate Your 2014 Tax Refund Now

Even though we still have a long way to go until tax time, you can get a pretty good idea of the tax refund you can expect to get once you file your return next year. There are three basic components that go into how much you can expect to get back: your income, any deductions you're entitled to, and any tax credits you qualify for.

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Related Topix: Tax, Home, Mortgage, Personal Finance

The Motley Fool

Borrowing Against a 401k: Why You Should or Should Not

One advantage of a 401k account over an IRA is that you can borrow money from your 401k, but not from your IRA. True enough, but should you? It depends on your circumstances.

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Related Topix: Personal Finance, 401K, Retirement, Credit Card Debt

MarketWatch

How to throw away a fortune

Suppose you work for 40 years, save $250 a month, your investments earn a 5% pretax annual return and you lose 25% a year to income taxes. If you start saving as soon as you enter the workforce, you will have roughly $279,000 at retirement.

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Related Topix: Personal Finance, Retirement

Investopedia

3 Retirement Account Rules To Know

Much of what you can and cannot do with retirement plan assets is governed by tax laws written by Congress and interpretations by the IRS and the U.S. federal court system. Understanding these rules and keeping up-to-date on these changes will help you ensure that your retirement account is operating within regulatory guidelines.

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Related Topix: Personal Finance

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