Retirement Investment Options

By Joe James

Many people wonder what financial tool they should get- a 401(k) or an IRA? The answer really depends on your income. If you are loaded with cash, you can contribute to both. The question you have to ask yourself is this: Are you in a position to pay tax today and earn tax free income during your retirement days or you would rather defer your tax liabilities. In a Roth IRA scheme, you have to pay your taxes pre-investment but enjoy retirement without tax liability. With a 401 (K), your investments are tax free on the way in but taxable on the way out.

401k is named after the tax code which is relates too. This is a employer based retirement plan in which you pay money into the plan before you are taxes. The money is then invested into the stock options you picked. The employer also contributes to the number too. The money is taxed on the way out so if you are in a higher tax bracket you will have to pay more money.

When you use a 401(K), you can invest up to 14,000 dollars per year. This number is inclusive of both your and your employer's contribution into the plan. This type of investment plan is really great when your employer contributes to it but since you will hopefully be in a higher tax bracket when you are older you should consider only investing up to your employer's match.

An IRA is for an individual person. It's just like owning a normal investment account as you can put the money in anything you want. You can hold cash, bonds, or stocks. The investment limit is $5000 a year for age 49 or below. The money you put in is after you paid taxes but it comes out tax free when you are older. However, you have to pay an early withdrawal penalty if you take money out before you are 59 1/2. You original contributions though are tax free at any time.

You should invest in both if you can but always invest in the 401k if your employer matches your contributions. You want to think about what your tax bracket will be when you are older too. If it will be higher, you would want to consider putting more money into an IRA. Both options are good and should be used but the balance of where you put the most money depends on the type of plan your employer offers and the amount of flexibility you want.

Investing for your future is important. If you want to be successful and receive the most tax benefits, it is a good idea to use both the ira and the 401k. Make sure you always invest in the 401k up to your employers contribution. Using these two methods you can save a lot for retirement. - 23159

About the Author:

Joe James gives financial advice for a living. He resides in the southwest of the United States and is a retirement specialist. You can find out more information at his website, http://www.myownmoneystory.com.

Replace Dull Printed Investment Presentations with Innovative Videos

By Chuck R Stewart

An investment banking presentation can be deadly boring, especially potential investors. Page after page of printed information, charts, graphs. Who has time to study and evaluate all of this information? Can you? I just toss it into the trash basket, unread. Someone spent uncountable hours preparing this information, but I don't care. I don't have time to read it. The day of the paper investment banking presentation may be over, however, to be replaced with the video presentation.

Think of the interested prospect, searching for an investment opportunity. He receives a stack of book-length presentations from your competitors. How does he handle them? He pages through them, heaves a sigh, and tosses them in with the leftovers from lunch. How can you be seen? You can stand out by getting out of the book and onto the screen. Talk to your prospects directly by way of the computer-based video. In a company profile video, you can present your people in front of the prospect just as if they were visiting in person, and they can say aloud the words that the prospect doesn't have time to read. You can tell your story pictorially and bring it to life for the viewer. You can walk them through a virtual tour of your facility. You can put your people in front of them. And all of this can happen just through your web site. With a video on the web, the viewer can run your video at his convenient, and as often as he likes.

Another unread document is the annual report. Annual reports are required of public companies and are based on data that has intrinsic interest. But, no matter how innovative the design or how beautiful the photography, they still consist of words to be read. You can jump forward if you re-envisage your annual report as a modern video annual report. Bring your dull statistics to life. Bring your company into visibility. Make your readers wake up and pay attention.

Third is the road show. A professionally, even artistically, produced video can replace the need for your people to travel. Your prospects can see who you are and what you offer from the comfort of their computer. This video can display your people, your facility, and your product. It wont be just another PowerPoint slide show, although this presentation can contain slide show-type material. Your prospects will see a living representation of your company, its people, and its offerings.

The company that prepares your video can also promote it through a nationally distributed press release containing a hot link back to your video. An e-mail message can be distributed to 50,000 qualified recipients. These recipients can then easily share your video with their colleagues through Web 2.0 sharing and book marking tools.

This new and vital technology can revitalize your efforts to reach your prospects in an innovative way. At the same time, these videos will replace reams of paper with flying electrons, reducing waste, energy usage, and pollution. They work to your great advantage while eliminating disadvantages. - 23159

About the Author:

Chuck Stewart discovered how a CEO can be assured of making a high quality investment banking presentation each and every time through the use of modern video technology. He discovered that, delivered through traditional means, an investors meeting is expensive to deliver and varies from meeting to meeting in its quality.

Foreclosure Workouts to Get Your House Back

By Doc Schmyz

The last thing anyone wants to loose is your house. Unfortunately even though we know this fact, sometimes we tend to take our mortgage payments for granted and end up loosing our homes. In this case, a home foreclosure will happen. When a borrower fails to pay his or her mortgage for a number of payments (usually 5 or 6) the lender will issue a foreclosure by selling the house or repossessing it.

More often than not banks often lead the homeowners to believe that they don't have other options available. However there are other alternatives that homeowners can use to keep their house.

These are some of the options that homeowners can use.

Short stop

You can get a short refinance for the foreclosure of your property. If you don't want a new loan to cover an existing one, you can ask the help of a friend. A borrower's friend or relative can buy or pay off the mortgage.

New payment plan

You (the homeowner) agree to pay a portion of the amount and agree to pay the rest in the following months. The homeowner also shows proof of their income and pays a down payment. This is a much easier way and most lenders agree to this plan.

Change the plan

A foreclosure negotiator handles the job of getting these plans approved. In some cases a temporary change in the terms of the loan can be given when properly negotiated. These changes include but are not limited to, amortization extension and reduction of interest rate.

Third party sale

The property on foreclosure is sold to a third party. The proceeds will go to the mortgage lender as a settlement for the debt.

Friendly third party sale

The third party who buys the property sells it on foreclosure to clean the deed of other holders. Then, in turn the property is sold back to the borrower.

The above mentioned are just a few ideas of what you can do to keep your home if faced with foreclosure. Do not be afraid to ask for help. Be forward and upfront with your lender if you have fallen on hard times. If you have to take a second job to earn extra money then do it. It is far easier to work to stay out of foreclosure then to try and fix it once you have gotten a notice. - 23159

About the Author:

Doc Schmyz has invested all over the US. He built a free website shares Real estate investing information for all over the US. Find Real estate investing information by state

Forex Trading And Fap Turbo

By Katie Andre

The internet is basically cluttered with thousands of bogus reviews and outrageous sales pages that all harp about how effective a product is and how youll be an instant millionaire once you try it out.

We know that if its too good to be true then theyre probably not true at all. But just to make certain what these programs are really made of, I did a little product testing of my own.

FAP Turbo is one of those automated Forex programs that help us trade in the foreign exchange market. By nature, these programs must be able to have an efficient system, provide ease of use, give out consistent results and ultimately lead to profits for the user.

When I first got into the FAP Turbos sales page, it made various claims as to how it can make you rich trading on the foreign exchange market even if you do not monitor the software for long periods at a time because the program can work on autopilot. It also said that the only real thing youll have to do is to install the program and you can start raking in money with just your $500.

These are all amazing claims which were all put to the test. When it came to the efficiency of the software, we can check the efficiency of the program through its background.

When I googled the program, I found out that it actually had a precursor called the Forex Autopilot system. This older version worked pretty well and its users were able to earn as much as $3,000 to $6,000. Thats quite decent already but the FAP Turbo triples that amount. After the test trial, I found out that the user can earn as much as $30,000 in 90 days with the FAP Turbo.

One thing that I observed with the FAP Turbo was that it was extremely easy to use. You literally only need 5 minutes to install the software to your computer and the step by step instructions were very convenient and helpful.

Right after the installation, you can start running the program immediately. This is perfect for those who are not tech savvy, newbies who have just started trading and experienced traders looking for a way to simplify things.

The final thing that seals the deal is their very responsive customer support. You can make a test query and youll be sure to get a response from them within the next 24 hours.

And if in the unfortunate case that you are unsatisfied with their service, theyll give your money back within 60 days. - 23159

About the Author:

Stop. Before you purchase fap turbo slow down and see my truthful fap turbo review now

How Efficient is Fx Trading Software?

By Fred Todle

Forex trading is no longer just for banks, corporations and multinational import/export entities. Ordinary people like you and me can now profit from the $7 trillion industry. The gap has been narrowed by the availability of great forex courses online and offline not to mention state-of-the art but easy-to-use software that costs less than $100 to purchase.

Many start-up forex traders are heavily leveraging the power of the Internet. This is to procure forex training and forex courses that are now widely available. There are several advantages that can be accrued by using the power of the Internet. The first is that the Internet contains an immense quantity of tutorials and information. While the best forex training and trading course do retail for a price, there is a lot of material on the Internet for free. The first place to search is in forex forums. This is where people who trade in forex congregate and share ideas and tips. If you are a start-up trader, this is one of the best places to start.

Technically-speaking, there is a lot of forex software available online. You can read reviews and be able to find out which is the best software on the market according to experts. One of the best was designed by Marcus Leary, a mathematician who had insider knowledge on the workings of the forex trading business. The benefits of forex software cannot be understated. It is now quite possible to trade automatically without necessarily being present. This is called autopilot trading.

One of the advantages of forex software is the fact that the learning curve is drastically reduced. This means that even novices can now trade as well as the pros. Because of the initial risks involved in forex in the past, the software minimizes the risks and thereby makes it possible for people with little or no experience to avoid most of the pains of trading.

The software is easy to use. All one has to do is purchase the software which is now compatible with Windows and Macintosh machines, and install it. Installation is simple and the software guides you through the entire process. Once installed, software can connect to the Internet and even send regular updates. Forex trading is now possible 24hours a day using the software which can tutor you as you go along.

Forex trading has now become one of the fastest growing work-at-home small business opportunities. This is because many people are looking for extra ways to supplement their income. The current job market in the world has not created worker confidence and job security. This means that even those with stable jobs are looking for ways to earn an extra income and cushion themselves financially. Forex trading software makes it possible to work from home and also to work at one's own pace. This is a great advantage considering that the software is also capable of making automated trades even while the user is not personally involved and available. - 23159

About the Author:

Author is writer and regular contributor to Forex Trading, a website with resources and information about forex market. One of the most popular post's caterogy there is Fx Trading Tutorials.