Philippines Finance

Sep 22 2017

Kentucky – s Pensions Are Worst-Funded In U, kentucky teacher retirement.#Kentucky #teacher #retirement

# kentucky teacher retirement A new study shows that Kentucky has the worst-funded pension system in the nation, compounded by the fact that of all the states, the commonwealth is doing the worst at paying off its pension debt. According to a new survey by S P Global Ratings, Kentucky has $31. 2 billion in unfunded pension liabilities, and the state’s various pension funds have 37.4 percent of the money they need to make payouts to current and future retirees, the lowest ratio of all states. Last month, state pension officials reported that the main pension fund for state workers …

Sep 13 2017

What Is a Reverse Mortgage? #reverse #mortgage, #reverse #mortgage #loans, #retirement #savings, #buying #a #home,

# Javascript is not enabled. Are Reverse Mortgages Helpful or Hazardous? Leaving AARP.org Website Leaving AARP.org Website Leaving AARP.org Website Leaving AARP.org Website Leaving AARP.org Website What You Should Know • Typically, mortgage insurance premiums, origination fees and other closing costs are financed into the loan — as much as $10,000 or more on a loan of $138,000. • The amount you can borrow depends on your age, your home’s value and interest rates. • Discuss your financial situation with a fee-only financial planner to see if the loan is appropriate for you. Check the lender’s background with the Better …

Sep 1 2017

CFP Coursework #college #for #financial #planning,financial #planning,retirement #planning,crpc,aams,awma,adpa,apma,crps,cmfc,cfp,cfp #review,finra #series,cfp #exam #prep,cfp #test #dates

# CFP Coursework CFP Certification Professional Education Program Program Summary: The CFP ® or CERTIFIED FINANCIAL PLANNER™ Certification is the most respected financial credential for financial planners, financial firms, and those seeking the advice of a financial planner. Whether you’re looking for a more rewarding career or want to enhance the one you currently have, becoming a CFP ® Professional can provide the opportunity and potential you seek. Why choose the College’s CFP Certification Professional Education Program? Our cumulative pass-rate on the CFP ® certification examination is 86%. This is more than 20% higher than the competition. We created CFP …

Aug 25 2017

Forecasting, Tracking and Analyzing Global Trends – Trends Research Institute #intellectual #revolution, #revolution, #bailout #bubble,

# Economic Trends Business Trends Consumer Trends Entertainment Trends Environmental Trends Political Trends Gold Trends Geopolitical Trends Socioeconomic Trends Religion Trends Environmental Trends Military Trends Defense Trends Food Trends Coffee Trends Alcohol Trends Bottled Water/Beverage Trends Baby Boomer Trends Organic/Agriculture Trends Consumer Product Trends Travel Trends Workplace Trends Education Trends Auto Trends Technology Trends Demographic Trends New Product Trends Investment Trends Social Trends Labor Trends Retail Trends Holiday Trends Energy Trends Media Trends Healthcare Trends Medical Trends Advertising Trends Marketing Trends Import/Export Trends Real Estate Trends Clean Food Trends Movie/Music Trends Aging Trends Fashion Trends Color Trends Population Trends Restaurant …

Aug 19 2017

Lifetime Income Funds #retirement #income #funds

# Lifetime Income Funds Manage your retirement investments and income at the same time. Lifetime income funds. such as those that provide a guaranteed minimal withdrawal benefit, are generally annuity products that provide lifetime income based on assets an individual has accumulated. They typically allow an investor to lock in a guaranteed income stream for life, including for the life of a surviving spouse, that is protected against market downturns yet has the potential to increase due to positive fund performance. Investors always have access to the fund’s market value and, upon death, beneficiaries have access to any remaining balance. …

Aug 14 2017

Exploring Real Estate Investments: Types Of Real Estate #types #of #retirement #investments

# Exploring Real Estate Investments: Types Of Real Estate In the previous chapter. we discussed the various categories of available real estate investments, including direct property ownership, mortgages. and debt or equity securities. What these real estate investments have in common is that there are one or more tangible real estate properties underlying each investment. That means when you make an investment, it is important to consider the characteristics of the underlying real estate because the performance of those properties will impact the performance of your investment. When you’re looking at the underlying real estate, one of the most important …

Aug 7 2017

College for Financial Planning – Master of Science Programs #master #of #finance,master #of #financial #planning,master

# Master of Science Programs Unlike similar programs, we do not require potential students to take an admissions exam like the GRE or GMAT. Go beyond simple memorization. Our program is based entirely on real world cases that you can apply to your career immediately. Earn a fully accredited MS degree for less than $15,000 with no student loans to worry about. That is virtually unmatched. Our MS Program Graduates self-reported a 25% average increase to their earnings via an internal survey of MS alumni conducted in 2016. Unlike similar MBA programs, our MS in Finance program focuses on finance …

Aug 6 2017

Government Plans Big Reverse-Mortgage Curbs # #baby #boomers,philip #moeller,moeller, #philip, #best #retirement,housing,real #estate, #seniors,picks,retirement, #retirement

# Government Plans Big Reverse-Mortgage Curbs Reverse mortgages, long criticized for high fees and other anti-consumer features, turn out to actually be the opposite—such a good deal that the government is nearly $3 billion in the hole on outstanding mortgages. As a result, the Federal Housing Administration (FHA) will later this month unveil sharp curbs on its loan product, called the Home Equity Conversion Mortgage (HECM). When the new rules are issued, consumers will need to take a close look at the terms of these loans. While the specifics of the changes have yet to be announced, they will lead …

Jul 24 2017

Safe Harbor 401(k) Plan #pension #plan #administrator, #rollover #rules, #south #carolina, #georgia, #north #carolina, #new

# Safe Harbor 401(k) Plan Employee deferrals are pre-tax and Employer contributions are tax-deductible Employees pay no income taxes on contributions or earnings until the participant or their beneficiary receives them Tax-deferral maximizes the compounding value and increases the participant’s ultimate retirement income Employers pay no income taxes on contributions made to the plan on behalf of the Employees Employees can elect to defer from 0 up to 100% of their pre-deferred income, up to a maximum of $18,000 ($6,000 catch-up contribution allowed if employee is 50 years old, or older) (refer to Maximum Annual Contributions and Dollar Limits for …

Jul 3 2017

The Two Key Steps to Retiring Well, Even in Bad Markets #, #401(k), #investing, #retirement

# With These Two Moves, You Can Retire Well No Matter What the Market Does Don’t leave yourself counting on high returns to reach your retirement goals. This is the first in a three-part series on strategies for a worry-free retirement. It has been a wild ride in the markets this year. But that goes with the territory. Based on history, stock investors can expect a decline of 10% about what the S P did this summer once every seven months on average. says the investment firm Gerstein Fisher. So when it comes to your retirement, it s best not …