Never too early to start a retirement plan!
Never too early to start a retirement plan! Young adults may think retirement is a far-off reality, but in truth, it’s never too early to start planning for one’s golden years. Proper preparation...
View ArticleCourt: Dying while intoxicated voids insurance benefits
Court: Dying while intoxicated voids insurance benefits BY STEVEN A. MEYEROWITZ | OCTOBER 17, 2013 A federal district court in Louisiana has upheld the enforceability of an intoxication exclusion in a...
View ArticleFinancial Planning — How to Stop Courts’ Blockades of Pension Reform
How to Stop Courts’ Blockades of Pension Reform October 18, 2013 How to Stop Courts’ Blockades of Pension Reform (Bloomberg) – One of California’s leading advocates for pension reform, San Jose Mayor...
View ArticleEd Slott and Company – IRA, Tax, Retirement Planning Articles, Insight: 3...
http://www.theslottreport.com/2013/10/3-things-you-should-do-right-away-if.html?m=1 Best regards, Sam Kirkendohl Financial Preservation Specialists 516 West Ave North Augusta, S.C. 29841 803.640.0797...
View ArticleDo you own your Driving Record?
A Quick, Efficient Way to Own Your Driving Record As a regular driver, there’s a chance that during your time on the road, you have acquired parking tickets or experienced the unfortunate incident of...
View ArticleMOODY’S DOWNGRADES 4 U.S. BANKS ON FEDERAL SUPPORT REVIEW
MOODY’S DOWNGRADES 4 U.S. BANKS ON FEDERAL SUPPORT REVIEW BLOOMBERG NEWS Moody’s Investors Service cut its ratings on four of the biggest U.S. banks after deciding the government would be less likely...
View ArticleWhen a plan works!
As my family and I enjoyed the firework show at the Magic Kingdom, I was thinking about the timing of everything that was going on. How each light, sound, pyro detonation, person/persons part took...
View ArticleThe essence of retirement
The very essence of retirement is freedom: freedom to travel freedom to pursue activities one did not have time for while working freedom to go where one wants and when one wants These perks of...
View ArticleQCD’s… What is this?
Don’t’ forget to take advantage of this, if you’re 70 1/2, and are looking to lower your taxes for this year. It may not be available next year, unless congress votes it back in! If you are an IRA...
View ArticleNo cost of living increases, cuts, retirement age increase.
The article below is about a bailout of another city’s pension plan. You must ask yourself, if you have a pension, what about mine? Will it be next? Will the government follow suit on other pensions?...
View ArticleYour ugliest sweater!
As the Christmas holiday approaches us, I can’t help but to talk about the “Ugly Sweaters”! Seems this time of year, especially for the gentleman folk, we forget how some sweaters were just not meant...
View ArticleBoxing Day
Does Boxing Day Have Anything To Do with Boxing? In the U.S., the word boxing usually refers to two athletes stepping into a padded ring, each having the intention of knocking the other off his feet....
View ArticleBreaking News!!
So thankful my clients do not have to fret such news as this on a daily basis. The market roller-coaster is not an amusement park ride, it is an emotional cycle of love and hate. The Dow is down 200...
View ArticleIt is not a penalty, it is an incentive!
From the inception of the income tax, the general rule has been that accumulations of income under an annuity contract are not subject to current income tax. This annuity tax deferral rule has also...
View ArticleLIFE Lessons Scholarship Application | Life Happens
Sam Kirkendohl Wealth Manager Financial Preservation Specialists 516 West Avenue North Augusta, S.C. 29803 803.640.0797 samkirkendohl www.financialpreservationspecialists.com...
View ArticleHOW INDEXED INTEREST IS CREDITED IN FIPs
The distinguishing feature of Fixed Indexed Products (FIPs) is that the owner earns a rate of interest derived by reference to an index. This section describes the process of how insurance companies...
View ArticleInsurance Company’s Risks
The insurance company has to invest and cover two types of risks: the guarantee of the floor and the guarantee of the excess interest resulting from positive changes in the applicable index. An...
View ArticleThe Annuity Option
The Annuity Option Annuities protect a person against living too long. More specifically, annuities protect against the risk that someone will live so long that he or she will use up the assets that he...
View Article19323_Annuity_vs_CD_Consumer.indd
http://custommarketingcenter.dmplocal.com/dsc/collateral/19323.pdf 19323.pdf Best regards, Sam Kirkendohl Financial Preservation Specialists 516 West Ave North Augusta, S.C. 29841 803.640.0797...
View ArticleSSA Offers Early Out
SSA offers early outs By FederalDaily Staff February 03, 2014 The Social Security Administration is offering early outs to eligible employees, reports Government Executive. Under a voluntary early...
View ArticleBe careful of 401(k) fees, advises SEC
By Dan Berman The Securities and Exchange Commission issued a bulletin warning investors to be aware of just how much fees they are charged on investments, including those levied on 401(k)s and other...
View ArticleThe Socioeconomics of Justice and Righteousness
The Socioeconomics of Justice and Righteousness - This is only one of many Old Testament passages calling for the combination of justice and righteousness. Justice makes sense to us, but the concept of...
View ArticleTHE ART OF NOT LISTENING
Sam Kirkendohl:Those who seek, shall find! Originally posted on reMARKable: Anyone who knows me well knows I subscribe to Proverbs. One in particular that has helped me tremendously over the years is,...
View ArticleCreating Money Transparency in a Relationship
Link: http://theheavypurse.com/creating-money-transparency-in-a-relationship/
View ArticleThe Slott Report
LEGAL UPDATE: 60-DAY IRA ROLLOVERS AND INHERITED IRAS IN BANKRUPTCY Interesting things are happening in the courts with regard to retirement plans, specifically 60-day IRA rollovers and inherited IRAs...
View ArticleProposal outlines new civil service framework
Federal Daily News Proposal outlines new civil service framework By FederalDaily Staff April 02, 2014 The Partnership for Public Service has released a new report calling for sweeping changes to the...
View ArticleWhy ‘Radical’ Annuity Change In U.K. Interests The U.S. Market
In a radical change to its 90-year-old retirement system, the United Kingdom plans to decouple annuities from retirement plans. Annuity professionals in the United States can glean some takeaways from...
View ArticleBoehner pushes for VA accountability bill
Boehner pushes for VA accountability bill House Speaker John Boehner (R-Ohio) has thrown in with supporters of legislation that would give the secretary of the Department of Veterans Affairs the...
View ArticleFederal employment continues to shrink
Federal employment continues to shrink The federal government shed around 9,700 jobs overall last month, according to preliminary numbers from the Bureau Labor Statistics. By FederalSoup Staff APR 07,...
View ArticleInsourcing can remedy gender pay gap for federal employee’s
Union leader: Insourcing can remedy gender pay gap One labor leader is suggesting a way for President Obama to narrow the gender pay gap: Hire more federal employees to do some of the work now done by...
View ArticleMarketWatch – This stock market needs a correction
This stock market needs a correction http://on.mktw.net/1eer2hm Sent from the MarketWatch app. Download for free at http://www.marketwatch.com/mobile Best regards, Sam Kirkendohl Financial Preservation...
View ArticleReport shows shrinking federal pay gap
Report shows shrinking federal pay gap The gender pay gap between male and female federal employees has declined significantly since 1992, according to a new study from Office of Personnel Management....
View ArticleOPM pares back retirement claims backlog in April
OPM pares back retirement claims backlog in April The Office of Personnel Management received more retirement claims in April than it had forecast, but still managed to whittle down its accumulated...
View ArticleMore USPS Losses
The U.S. Postal Service recorded yet another quarter of net losses in spite of cost-cutting measures, and warned that without reform legislation it would miss yet another payment to prefund retiree...
View ArticleArticle: How to Evaluate Long-Term Care Facilities
How to Evaluate Long-Term Care Facilities http://www.foxbusiness.com/personal-finance/2014/05/15/how-to-evaluate-long-term-care-facilities/ Shared from Fox Business on Flipboard. Download Flipboard for...
View ArticleArticle: Stocks are telling you a bear market is coming
Stocks are telling you a bear market is coming http://www.marketwatch.com/story/stocks-are-telling-you-a-bear-market-is-coming-2014-05-14 Shared from MarketWatch on Flipboard. Download Flipboard for...
View ArticleInteresting content on ProducersWEB
Check this out: Why do so many try to discredit what they don’t understand?Maybe they’re trying to take the spot light off of themselves. I find it a waste of time for me to spend my days blasting...
View ArticleShare article
When do we get off the Fed treadmill? http://www.cnbc.com/id/101829602 Sent from Real-Time StockTracker Best regards, Sam Kirkendohl Financial Preservation Specialists 516 West Ave North Augusta, S.C....
View ArticleHow to Filter the Financial Noise in Retirement | Next Avenue
http://www.nextavenue.org/article/2014-07/how-filter-financial-noise-retirement Best regards, Sam Kirkendohl Financial Preservation Specialists 516 West Ave North Augusta, S.C. 29841 (888)424-7293...
View ArticleDOD to establish new performance appraisal system — FederalSoup.com
http://federalsoup.com/articles/2014/07/30/dod-to-establish-new-performance-appraisal-system.aspx?s=FD_310714&m=2 Best regards, Sam Kirkendohl Financial Preservation Specialists 516 West Ave North...
View ArticleAffluent annuity owners most confident about retirement
Nearly nine out of 10 annuity owners in a recent study said that they were confident about their lifestyle in retirement. The study, from the LIMRA Secure Retirement Institute, polled 2,000 consumers...
View ArticleI read this interesting article: When Life Happened, Insurance Was There
When Life Happened, Insurance Was There http://www.lifehappens.org/blog/when-life-happened-insurance-was-there/ Best regards, Sam Kirkendohl Financial Preservation Specialists 516 West Ave North...
View ArticleU.S. 10-Year Notes Gain for a Fifth Day Amid Concern on Economy
U.S. 10-Year Notes Gain for a Fifth Day Amid Concern on Economy NOV 26, 2014 (Bloomberg) — Treasuries gained, sending 10-year yields a one-month low, as jobless claims rose, business- equipment orders...
View ArticleHoliday Tips for managing your budget
7 Tips to Keep You On-Budget This Holiday Season Posted: 11/14/2014 2:47 pm EST Updated: 11/14/2014 2:59 pm EST By Paula Pant, WiserAdvisor.com It’s that time of year again. Stores are running...
View ArticleHow to Save Future Generations From Financial Illiteracy
How to Save Future Generations From Financial Illiteracy Kids are in danger of repeating their parents’ money mistakes. Teaching kids money concepts of saving and spending at a young age is necessary...
View ArticleRetirement Planning
Retirement Planning at a Glance image\toptopic.jpg Retirement planning is the process of planning for one’s income needs during retirement. Usually, there are three main sources of retirement income—...
View ArticleAre you planning now for college?
Let us take a look at some staggering numbers. Below is a statistic done on a comparison of college tuition just a few years ago to now. See below. “According to College Board, the average total...
View ArticleROTH IRA
How the Roth IRA Works Eligible individuals (people with earned income, and adjusted gross incomes below specified amounts) can make nondeductible contributions to Roth IRAs up to a specified annual...
View ArticleWhy choosing the “right” custodian for your IRA is very important
Choosing where to place your assets for retirement not only effects you, but your heirs too! Don’t make it a burden on the ones you’re trying to protect when you are not around. I’m not a big fan of...
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