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Typically when you leave a job, you should roll over your 401(k), 403b, or 457 plan to an IRA. Rollovers allow you to continue delaying taxes on your nest egg as it accumulates and avoid an early-withdrawal penalty. However, many people choose to leave their 401(k) with their old company, or roll it into their new company’s plan. There are several points to be aware of when making this choice with your 401k or 403b plan.

Well, the election of 2008 has come and gone. Barack Obama is the president-elect of our great nation. Now, the main question turns to, “How will Obama’s election affect me personally?”

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Americans are living longer than ever. The idea of living a longer, healthier life appeals to all of us, but for many of us, the tradeoff is outliving our retirement savings. A single premium immediate annuity (SPIA) may help with this dilemma, providing you with an income stream that you will never outlive.
We'll take a look at the pros and the cons.

In most cases, if you have no dependents and have enough money to pay your final expenses, you don’t need any life insurance.

If you want to create an inheritance or make a charitable contribution, buy enough life insurance to achieve those goals.

The election of 08, and the recent stock market crash have contributed to the fact that you always hear about Capital Gains taxes in the news. Many people have asked me, "What is the Capital Gains Tax, and how does the 2008 change this?"

An option is simply the right, for a specified period of time, to buy or sell an item at a guaranteed price. Stock options then, are rights to buy or sell shares of stock at a guaranteed price during the life of the option.

THE GOOD NEWS is it’s becoming increasingly less likely that you’ll owe estate taxes. That’s because Congress has approved a schedule that increases the amount an individual can leave to heirs tax-free to $2 million in 2006-2008 and to $3.5 million in 2009. In 2010, it will supposedly be repealed altogether.

Here's a quick quiz. Which strategy is more likely to help you reach your retirement goals: finding the next hot fund about to rally and investing everything in it, or splitting your money among carefully selected funds, some of which don't even appear to be winners?

A 401k rollover occurs when you change jobs or retire and then elect to transfer or "rollover" your 401k into a new IRA. This process of transferring a 401k with a previous employer into an IRA is referred to as a “401k Rollover”, “Rollover IRA” or “IRA Rollover.”

A wide range of sweeping changes to the 401(k) system were proposed Tuesday at a hearing on how the market crisis has devastated retirement savings plans.

I have watched over the past couple of months as Republicans and Democrats alike have argued about their economic and tax plans. This economy, and the behavior of the stock market, has every voter worried about their way of life moving forward.

Typically when you leave a job, you should roll over your 401(k) to an IRA. Rollovers allow you to continue delaying taxes on your nest egg as it accumulates and avoid an early-withdrawal penalty.

Investing in foreign currencies is a relatively new avenue of investing. There are considerably fewer people are aware of this market than there are people aware of several other avenues of investing. Trading foreign currency, also known as forex,

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