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Is an annuity a good deal?

<i>I'm 65 and my financial adviser is recommending I put some of my retirement savings into an immediate annuity. But the payment he quoted me seems low. How do I know if this is a good deal and how do I avoid investing when interest rates and annuity payments are at a low point?--D.B.</i><p>Getting an …

50 Affordable Wines You Can Always Trust

Sometimes wine is daunting, and the fact that vintages change every year is one of the reasons. Was 2014 better than 2015? Worse? How are you …

Wine

The Simple Way to Find Your Retirement Number

Here's how to determine what your retirement savings goal should be.<p>There's no magical, one-size-fits-all way to calculate a retirement number. For …

4 Ways to Save for Retirement After Maxing Out Your IRA

First off, congratulations on saving so much for retirement! Now on to your other retirement savings options...<p>If you don't have access to a 401(k) …

3 Types of Trusts That Can Cover Your Assets

Trusts can be a useful way to solve certain financial problems and protect your money and property.<p>Most people think of trusts as something that only …

How to avoid the federal estate tax when collecting life insurance proceeds

Having enough life and disability insurance should be a key element of your personal financial game plan. With some advance planning, you can collect …

The First Alexa Skills to Enable on Your New Amazon Echo

So, you bought an Amazon Echo during Prime Day, but you’re not sure what to do with it other than ask it silly questions, set timers, and roll a …

Irrevocable Trusts: What You Need to Know

Many people want to provide for their loved ones but in a way that allows them to retain control over their assets. An irrevocable trust can be a great way to achieve these estate planning goals. Irrevocable trusts have advantages over alternatives like wills or revocable trusts, but they also …

10 Absolutely Vital Home Maintenance Tasks You Don’t Want to Overlook—or Risk Thousands in Repairs

When you think about home maintenance, these 10 tasks might not be the first things that come to mind—but forgetting about them can have frustrating …

Gift Tax: 6 Ways to Avoid Paying the IRS

Make sure you know the rules for this high-rate tax.<p>Most people focus their tax planning efforts on minimizing the amount of income tax they pay. …

Is EBITDA as bad as Buffett says?

Page 1 of 1<p><b>EBITDA can be a helpful valuation tool in some instances--just don't mistake it for free cash flow.</b><p>In Berkshire Hathaway's annual report …

Immediate Annuities: Pros, Cons and Options

Alternatives to an Immediate Annuity<p>Look at all your options before you buy an immediate annuity.<p>Updated February 15, 2018<p>An immediate annuity can be …

The 3 Things Every Future Retiree Needs to Do First | Investopedia

<b>[Pam Krueger is the founder</b> <i>of</i> <i>"</i><i>WealthRamp</i><i>"</i> <b>and co-host of "MoneyTrack" on PBS. The national spokesperson for The Institute for the Fiduciary Standard,</b> …

How to Instantly Increase Your Income by 20%

You should always focus in bringing in more clients, but don't neglect your finances and taxes.<p>Opinions expressed by <i>Entrepreneur</i> contributors are their own.<p><i>Entrepreneur has an affiliate partnership with Hurdlr so we may get a share of the revenue from your purchase.</i><p>We want to let you in on a little …

Learn About Gift Taxes and How to Avoid Paying Them

Learn About Gift Taxes and What You'll Have to Pay<p>The gift tax doesn't cost everyone cash out of pocket<p>Updated May 11, 2018<p>The U.S. federal gift tax …

Retirement

7 Powerful Ways to Reduce Your Retirement Expenses

With retirement fast approaching, it’s time to take stock of your future. By that, I mean you need to consider cutting the costs of retirement. …

Buy The 3 Biggest Dividend Payers For Retirement Income To Supplement Social Security

<i>Written for Sure Dividend by Bob Ciura</i><p>It's no secret that Social Security is a big source of income for many retirees. But what is surprising, is the …

Investing

How Can I Earn Tax-Free Income? Here Are 9 Ways.

The answer to the "How can I earn tax-free income?" question may surprise you -- because there are actually lots of ways to collect dollars without …

The 4% Rule for Retirement Has Flaws You Need to Know

Part of this well-known guideline's appeal is that it makes retirement planning and managing your nest egg seem simple. But wise Fools know that …

How to secure your Apple and iCloud accounts

Keep hackers at bay<p>With high-profile data hacks regularly hitting the headlines, you might be wondering what you can do to keep your own data safe. The answer, as it turns out, is quite a lot. We've previously covered how to protect your Facebook, Google, and other accounts. Now it's Apple's …

How to Set Up Your Own Completely Free VPN In the Cloud

A Virtual Private Network (VPN) is a great way to add security to your browsing while also preventing snoopers (including your internet service …

Information Systems

Sometimes Paying Down Debt Isn't a Good Idea | Investopedia

Clients often express a strong desire to pay down debt, especially when they have accumulated assets or inherited assets that can be used to do so. …

These 3 easy steps can improve your retirement savings—in less than an hour

This article is reprinted by permission from NextAvenue.org.<p>When you’re nearing retirement or already retired, you probably aren’t too concerned …

True Link's Guide to Annuities

<i>Here’s the low down on annuities – what kinds there are, their pros and cons, and how to make an informed choice, whether or not you hire True Link</i> …

Retirement

5 Things I Learned Tracking Every Penny I Spent for 3 Months

Back in January, I started tracking every single purchase I made for two reasons: to become more aware of how I spend my money and to see if I qualify for a bigger tax deduction. (The IRS gives you the option of deducting sales tax instead of state taxes paid on your federal tax return.)<p>Tracking …

5 personal money numbers everyone should know to check their financial health

You might know your weight and your (pre-tax) income. But how much do you really know about your full financial situation? Your salary and monthly …

Personal Finance

Reduce Your Target Number and Retire Earlier | Investopedia

Recently, Michael Kitces looked at the benefits of limiting the very natural response of lifestyle creep as one’s income increases over a career. …

Five funds that will pay your pension AND generate capital for your heirs

Annuity rates are rising - which is good news for retirees who are prepared to swap a lump sum for an income paid for life.<p>But the rates are still poor in comparison to other returns. Importantly, annuity returns are still, in many cases, less than the income you could hope to receive from a …

Should You Buy an Annuity? | Investopedia

As I mentioned in my last article, very few topics in the world of personal finance generate as much heat as annuities do. If you listen to the …

How to Stop Seeing Browser Ads Related to Your Amazon Searches

- Mar 16, 2017<p>Is Amazon following you around the web? Have you ever noticed that every time you search for something on the huge online retailer, …

High Fiber