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investments

Bonds, Interest Rates, and the Impact of Inflation

July 31, 2015

There are two fundamental ways that you can profit from owning bonds: from the interest that bonds pay, or from any increase in the bond’s price. Many people who invest in bonds because they want a steady stream of income are surprised to learn that bond prices can fluctuate, just as they do with any…

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College Saving Options

July 20, 2015

College costs For the 2014/2015 college year, the average annual cost of attendance (known as the COA) at a four-year public college for in-state students is $23,410, the average cost at a four-year public college for out-of-state students is $37,229, and the average cost at a four-year private college is $46,272. The COA figure includes…

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Investing for Major Financial Goals

May 15, 2015

Go out into your yard and dig a big hole. Every month, throw $50 into it, but don’t take any money out until you’re ready to buy a house, send your child to college, or retire. It sounds a little crazy, doesn’t it? But that’s what investing without setting clear-cut goals is like. If you’re…

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Setting And Targeting Investment Goals

May 13, 2015
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  Go out into your yard and dig a big hole. Every month, throw $50 into it, but don’t take any money out until you’re ready to buy a house, send your child to college, or retire. It sounds a little crazy, doesn’t it? But that’s what investing without setting clear-cut goals is like. If…

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Tax Planning for Annuities

February 9, 2015

Favorable tax treatment is one of the main reasons for buying an annuity. But what exactly are the tax benefits? And are there any drawbacks? It’s important to know the answers to these questions before deciding whether to purchase an annuity. Of course, any information pertaining to taxes is complex, full of exceptions, and subject…

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Financial Planning: Helping You See the Big Picture

January 22, 2015

Do you picture yourself owning a new home, starting a business, or retiring comfortably? These are a few of the financial goals that may be important to you, and each comes with a price tag attached. That’s where financial planning comes in. Financial planning is a process that can help you target your goals by…

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Weighing the Choice between Taxable and Tax-Free Bonds

January 6, 2015
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If you’re considering the purchase of an individual bond or even a bond mutual fund, one of your first concerns will be its yield. However, when comparing various yields, you need to make sure you’re not comparing apples to oranges. The yield on a tax-free bond may be lower than that paid by a taxable…

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Incentive Stock Options

November 28, 2014

An incentive stock option is a right or option granted by the sponsoring corporation to its employees to purchase shares of the corporation’s stock at a certain price for a specified period of time, notwithstanding an increase in the value of the stock after the option is granted. It is sometimes referred to as a…

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Immediate Annuities Can Provide Lifetime Income

November 7, 2014
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Running out of income is a primary concern for most retirees. Immediate annuities offer a financial alternative to help meet retirement income needs by providing a steady stream of income designed to last through retirement. What is an immediate annuity? An immediate annuity is a contract between you and an annuity issuer (an insurance company)…

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Indexed Annuities

November 4, 2014

An indexed annuity (IA) is a contract between you and an insurance company. You pay premiums in a lump sum or periodically, and the issuer promises* to pay you some amount in the future. The IA issuer also provides a minimum guaranteed* interest rate on your premiums paid. With an IA, the interest earnings are…

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