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• * Handmade of Hi-Fire Stoneware Clay * Vibrant Glaze Colors Vary *
• * Individually Boxed Item * Raised Face Plate / Recessed Wording *
• * Dishwasher & Microwave Safe * 5x5x5 Dimensions *
• * Lead-Free Clay & Glazes * FDA and Prop 65 Certified

* Handmade of Hi-Fire Stoneware Clay*
* Vibrant Glaze Colors Vary* Individually Boxed Item
* Raised Face Plate / Recessed Wording
* Dishwasher & Microwave Safe* 5x5x5 Dimensions
* Lead-Free Clay & Glazes* FDA and Prop 65 Certified

List Price: $ 22.95

Price: $ 22.95

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Check out this cool app and learn guitar – howc.stExpand the description and view the text of the steps for this how-to video. Check out Howcast for other do-it-yourself videos from Real4Reel and more videos in the Retirement Planning category. You can contribute too! Create your own DIY guide at www.howcast.com or produce your own Howcast spots with the Howcast Filmmakers Program at www.howcast.com It’s never too early — or too late — to start saving for your retirement. To complete this How-To you will need: An investment provider Money to contribute Step 1: Know your rights Realize that even if you are already contributing to your company’s 401(k) plan, you are free to establish an individual retirement account, or IRA, as well. Step 2: Think about a Roth IRA Weigh the advantages of a Roth IRA. Taxes are taken at the get-go so you can withdraw money tax-free in your golden years. You may remove money, penalty-free, before age 59.5 for certain reasons, like buying a home, you may keep your money in it as long as you like, and you may continue paying into it past age 70.5 if you have earned income. Step 3: Consider an IRA Consider a traditional IRA, which lets you defer paying taxes on the money you invest until you start withdrawing it at retirement. You can’t contribute to an IRA past your 70th birthday, and you must begin taking distributions six months after that. Tip: To qualify for a Roth IRA, your modified adjusted gross income can’t exceed a certain amount. Check …
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A new study from the American Benefit Corporation discusses the value of income deferral in an uncertain tax environment. In a recent article, the Wall Street Journal’s Karen Blumenthal questioned if boomers were ready for the great retirement income scramble. The need for retirement income is imminent and most boomers have not accumulated adequate funds.

Several years ago a wealthy investor stated that he had experienced two types of tax problems. The first was having to pay too much in taxes because he had too much income. The second was paying too little in taxes because he had too little income. He went on to state that having to pay too much in taxes is always preferable to having too little income.

Most highly compensated executives realize that company sponsored 401(k) plans and defined benefit plans are not going to provide them an adequate income replacement ratio at retirement. The solution to this deficient income replacement ratio is to defer pre-tax income into a company sponsored non-qualified deferred compensation plan, even if income taxes increase in the future. Remember – paying too much in taxes is always preferable to having too little income.

The current income tax environment continues to breed uncertainty. Income taxes on the highly compensated may increase in upcoming years, but no one can say with certainty if they will. It is known with relative certainty that Republicans will attempt to block any future tax increase. An executive who attempts to develop a personal investment portfolio with personal after-tax money will incur taxable income each year on realized gains. Invested assets in a non-qualified deferred compensation plan avoid all of these taxes until there is a plan distribution. These advantages continue during the retirement payout period. The longer the payout period of the deferred compensation account, the greater the advantages become.

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About Us -

At American Benefit Corporation, we design, fund and manage executive non-qualified benefit plans for highly compensated corporate executives who wish to reduce current income taxes and form personal capital on a tax efficient basis. Established more than 30 years ago, we serve the unique needs of executives in numerous corporations with their personal capital formation objectives.

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Chicago, IL (PRWEB) May 30, 2007

The best destination for older boomers, seniors and retirees has been updated to offer information on finding a job and funding retirement.

More and more Americans are finding the soaring costs of health care in their retirement years is forcing them to continue working longer than they anticipated, whether it be a part-time, full-time, or temporary job or project assignment.

The nonprofit Employee Benefit Research Institute has put the cost of health care during retirement for a 65-year-old couple retiring in 2006 at $ 444,000 if they live to be 90.

Other estimates show an average expenditure of $ 242,000 during the remainder of their lifetimes. Few retirees have planned for this expense and must either find a job to supplement their income or substantially reduce their planned retirement lifestyle.

“Retirees and people approaching retirement need to plan. Factors like retirement age, lifestyle, future health care needs, life expectancy and inflation should all be taken into account,” said Art Koff, author and retirement expert. “UltimateRetirementUniversity.com provides excellent information for both funding retirement as well finding employment.”

The book “Invent Your Retirement: Resources for the Good Life” provides information in a number of areas concerning retirees, including discounts for seniors, memory loss, purchasing prescription drugs, continuing education, starting a business, living longer and better, assisted living and long-term care insurance, housing options, and how and where to volunteer.

For online seminars covering funding your retirement and finding employment and a free copy of “Invent Your Retirement: Resources for the Good Life,” visit http://www.UltimateRetirementUniversity.com.

About

Ultimate Retirement University located in Chicago, Ill., was established to help those planning their retirement and retirees by providing information on a wide variety of subjects of interest to older Americans. Founder/author Art Koff delivers retirement strategies and provides sound reference materials of great value to older boomers, seniors and retirees.

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