Search results “Medicare advantage dividend plans”
What is a Medicare Advantage Dividend Plan?
What is a Medicare Advantage Dividend Plan? How do they work and where are they usually available? What should I be aware of when selecting a plan?
Views: 3 Medicare Lady
How to choose a Medicare Plan
How to select a Medicare Plan. Compare and contrast Employer and Retiree Group plans, Medicare Supplements, Medicare Advantage Plans and Medicaid. Learn about all of your options before you meet with an agent or insurance company. (V4 Mid Year 2012)
Views: 346 AmericanRetire
Medicare Supplement Plan Quotes
http://www.seniorsavingsnetwork.org Our Free Service: 1-800-729-9590 Senior Savings Network provides unbiased Medicare Supplement Quotes. Medicare Supplement insurance benefits are the same from one company to another. There is a big different in price, though, between one Medigap company to another. It pays huge dividends to have an independent advisor to shop the entire market for you and provide unbiased advice on the best value for your Medicare Supplement premium dollar.
Views: 118 medicaresupplements
INVESTING TAXES EXPLAINED: Dividend Vs. Growth Investing
By subscriber request, today's video is my guide to taxes explained for investors. Over my 20+ years investing, I have picked up a wealth of knowledge on the taxation of investments. While I'm not a licensed tax advisor and today's video is not tax advice, I wanted to share my personal thoughts on the topic for dividend investors and growth investors alike. A continuation of my last video (dividend investing vs. growth investing), I want to illustrate via taxes why I personally prefer dividend investing, as it is a tax efficient vehicle (in my personal opinion). I start out with two examples, my recent short-term capital gain on my Bitcoin profit. And, my ownership in McDonald's (MCD), a long-term dividend growth stock, where I'm deferring capital gains (since I never plan to sell) and only have to worry about taxes on my qualified dividends (which fall into the long-term capital gains bucket). Some fun facts you'll learn from my Bitcoin illustration: * I earned 329% in less than a year on my Bitcoin position. * I was subject to short term capital gains. * There is no way I could have held longer (it still have not been 1 year and Bitcoin has fallen 50% from my average sale price). This, in a nutshell, is what plagues growth investors most. Some fun facts you'll learn from my McDonald’s illustration: * I am up 116% via capital appreciation, but owe no taxes right now since I don't intend to sell. (Taxes are only due if one were to sell.) * I enjoy a 5.5% yield on cost (and growing). My dividends are taxed at the lower long-term capital gains tax rate. * Dividend income is taxed at a lower rate than income earned from working! I am incentivized to earn passive vs. active income. For someone looking to live off dividends, this is why I believe dividends are so tax efficient. After my two examples, I dive into a variety of tax-related topics (for investors of all sorts): * Capital appreciation * Dividends * Short-term capital gains * Long-term capital gains * The 3.8% Medicare tax (Obamacare tax) * Qualified dividends vs. non-qualified dividends * Federal vs. state taxes * International companies (and tax implications) * Tax-advantaged vs. non-tax-advantaged accounts (401k and Roth IRA) * More! Want to lean more about dividend stocks vs. growth stocks? Check out this recent video: https://www.youtube.com/watch?v=El7XyomoAEI Want to learn about my experience with Bitcoin? Here you go: https://www.youtube.com/watch?v=uAQHg6ag7jU Here's my #3 favorite dividend stock of all time, McDonald's (MCD): https://www.youtube.com/watch?v=WA1baKYgV_0 Here's my real estate investment trust (REIT) that is a non-qualified dividend, Realty Income: https://www.youtube.com/watch?v=P-ANUrAsqMc Disclosure: I am long McDonald's (ticker MCD) and Realty Income (ticker O). I own both of these stocks in my portfolio. Disclaimer: I'm not a licensed investment advisor, and today's video is just for entertainment and fun. This video is NOT investment advice. Also, I'm not a tax advisor and today's video is NOT tax advice. Please talk to your licensed investment advisor before making any financial decisions. Please talk to your licensed tax advisor before making any tax decisions. All content on my YouTube channel is (c) Copyright IJL Productions LLC.
Views: 5286 ppcian
Medicare Supplement Plans by 1-800-MEDIGAP®
Medicare Supplement Plans help cover the out of pocket expenses not covered by original Medicare. Talk to a licensed proffesonal who can offer Free Quotes and answer any questions you may have, by calling 1-800-MEDIGAP or visit http://1800MEDIGAP.com. Medicare Supplement Plans are also known as Medigap Plans, becuase they help cover the gap left in orginial medicare. Original medicare consists of two parts. Part A and Part B. Not all medical services are covered in original medicare and in most cases original medicare only covers %80 of your medical costs. Original medicare does not provide Drug Prescription Coverage. For more detailed information please feel free to view our video in High Definition. There is a chart at the end of the video that maps out some of the basic medigap plans available in your area. Luckily for you, by law, all Medicare Supplement Plans are the same from company to company. Finding the right plan is as easy as shopping and comparing your options. For free quotes and more detailed coverage information on Medicare Supplement Plans, visit http://youandmedicare.com/Medicare-Supplement-Plans.php. If you would like to talk to a license professional who can give you free quotes and help find the best Medicare Supplement Plan for you, call 1-800-MEDIGAP. This video contains basic information about Medicare, services related to Medicare and services for people with Medicare and is not connected with any Government. If you would like to confirm information or find more information about the US Government Medicare program please visit the Official US Government Site for People with Medicare located at www.medicare.gov https://youtube.com/user/1800MEDIGAP/
Views: 185 1-800-MEDIGAP
Medicare 2017 - How Much Does Medicare Cost?
http://www.medicareeasystreet.com 866-572-9255 Anthony Selm - Licensed Broker When someone turns 65 it can come as a surprise to find out that Medicare isn't free. Knowing your costs for Medicare Part B, Part D, and supplemental coverage can help you plan ahead and budget accordingly. Medicare Part A Costs Medicare Part A is usually free as long as you have worked for 10 years (40 Quarters) and paid FICA taxes. Essentially, you have already "pre-paid" for these benefits and will not have any premiums due in retirement. If you have not met the qualifications to get Part A for free, you will pay a monthly premium of up to $413 for 2017. If you have worked for more than 30 quarters but less than 40 quarters you can get a pro-rated premium for Medicare Part A. Medicare Part B costs are based on income. Premiums for Medicare Part B are based on your Modified Adjusted Gross Income (MAGI). Since enrollment in Medicare is done through the Social Security Administration, Medicare will pull your latest income numbers directly from the IRS. You will get a letter each year around December from Social Security telling you how much your Part B premium will be for the upcoming year. Modified Adjusted Gross Income (MAGI) is calculated by monies you have earned through wages, Social Security Benefits, required minimum dividends from investments, interest, capital gains, and tax-deferred pensions. Any distributions from Roth IRA (or Roth 401k) accounts, life insurance, reverse mortgages, and health savings accounts DO NOT count in the MAGI calculation. Roughly 95% of Americans fall into the standard income bracket for Medicare Part B premiums leaving only 5% paying higher premiums due to the Income Related Monthly Adjustment Amount (IRMAA). The standard monthly premium for someone new to Medicare in 2017 is $134. This premium will be automatically deducted from your Social Security benefit each month. If you are not already receiving Social Security benefits you can be billed quarterly or setup and EFT to pay for Part B directly from your checking account each month. If you have a higher income you will pay an Income Related Monthly Adjustment Amount in addition to the standard Part B premium. The chart below which was pulled directly from the Medicare website. Medicare Part D costs are also based on income. Similar to Part B, Medicare Part D also has its own rules for higher income earners. Medicare Part D premiums vary by plan and you can usually find plans starting at $15-17/month. The national average Part D premium though is $34/month. In addition to the plan's premium, those in the higher income bracket will also pay a Part D- IRMAA. The chart below can help give you an idea what to expect if your income is above the standard threshold. Planning ahead can help you make sure to have enough savings for the future. If you find all of this just a little overwhelming, don't worry it definitely can be. We can help you determine your costs ahead of time so you are prepared to start Medicare on time and on budget. Many people find that the combined costs for Medicare Part B, Part D, and supplemental coverage is still a lot less than they are paying for private insurance before they turn 65. If you still have questions or would like to get an estimate on what your supplemental or Part D costs will be, give us a call at 866-572-9255 and speak to one of our friendly, licensed agents.
Views: 778 Anthony Selm
Tax Strategies For High Income Individuals
For more information on our WealthVision Financial Plan check out our info page here; http://moneyevolution.com/wealthvision/ For access to the 7 Core Elements of Retirement Planning Video Series and Action Guide Click here. http://moneyevolution.com/7-core-elements-yt/ Do you have money saved for retirement in a non-retirement account? Make too much money to contribute to a Roth IRA. Are you getting hit with the 3.8% Medicare surtax on investment income? In this episode I discuss strategies to potentially shift more of your investment assets to tax advantaged retirement accounts that could save you money in taxes. Even if you don't qualify for a Roth, or already think you're maxing out all of your retirement plans, you may still have options! After watching this video Check out our comprehensive financial plan to learn how we can help you address the 7 core elements of retirement planning. http://moneyevolution.com/wealthvision/ Blog http://moneyevolution.com/2018/04/27/tax-strategies-for-high-income-individuals/
Views: 2320 Money Evolution
Aetna fattens shareholder payout after Humana deal fails
Aetna is doubling the quarterly dividend it pays shareholders and buying back stock as it regroups from its failed attempt to acquire rival health insurer Humana.
Views: 90 WTNH News8
Life and Health Insurance License Exam Cram
►Life and Health Insurance Study Guide: http://www.mometrix.com/studyguides/lifehealth ►Life and Health Insurance Flashcards: http://www.flashcardsecrets.com/lifehealth ______________________________________________ Use this Life and Health Insurance License Test Prep video to get a head-start on your Insurance Exam. Our original research into the Life and Health Insurance License Exam, offered by the state licensing boards, reveals the specific content areas and the essential skills that are critical for you to know on your Life and Health Insurance License Exam.
3 Big Retirement Withdrawal Mistakes
For more information on our WealthVision Financial Plan check out our info page here; http://moneyevolution.com/wealthvision/ For access to the 7 Core Elements of Retirement Planning Video Series and Action Guide Click here. http://moneyevolution.com/7-core-elements-yt/ Today I'm going to talk about Three Big Retirement Plan Withdrawal Mistakes. If you're planning for retirement, you're going to be looking at how you can make a transition from what we call the retirement accumulation phase, when you've been saving and investing money for your retirement, into the retirement withdrawal phase. You're going to take some of that money that you saved, and you're going to start distributing that money back to you, by starting to take some withdrawals. There's three big mistakes that we see people make here. Mistake number one is probably the most common one that we see, and it's Waiting Too Long to Begin Taking Withdrawals. And this mistake can actually compound into a couple of other little mistakes that actually can cost you a lot of money. People will often begin taking their Social Security benefits as early as they can at age 62, and not only does this prevent them from getting a bigger Social Security check and kind of maximizing that, but it also means that they're delaying taking their retirement plan withdrawals, and what that does is compound itself down the road, because as many of you probably know, at 70 1/2, the IRS is going to mandate that you're going to start taking some withdrawals from those retirement accounts. It's called the Required Minimum Distribution Rules. And what that might do is push you up into a higher tax bracket at that time, and on top of that, it can also affect your Medicare premiums as well, because your Medicare premiums are tied to the level of income that you make. So the more money you make, the more you pay for Medicare. One of the things that we look for, though, as a way to kind of get around this mistake is to really map out some of those cash flows. One of the things that we identified is that by taking some retirement plan withdrawals early on in retirement we can take advantage of what we call low tax years. If you're waiting to take Social Security, for example, or maybe your pension doesn't kick in right away, you might have few years early on in your retirement where you're in a very low tax bracket. By taking some of those retirement plan withdrawals early, you can take advantage of those low tax years and at the same time, help you get a bigger Social Security check down the road. It could also take some pressure off of some of those required minimum distributions. Maybe some of those won't be so high and pushing you up into those higher tax brackets. We can also look at doing some Roth conversions too as a way to take advantage of some of those low tax years. The second mistake is Taking Your Distributions At Too High Of A Rate. What I mean by this is that there are some schools of thought out there. Probably the most prominent of these is something called the four percent rule. This was created by financial planner, William Bengen back in the 90s, and he did a lot of math, studied some probability and statistics, and said that if you limit your retirement plan withdrawals to no more than four percent of your entire portfolio each year, you should have a pretty good chance that your money is going to last you throughout the rest of your lifetime. If we think about the four percent as kind of our withdrawal rate that we should be targeting, consider that if we go up to five or six percent, it may not seem like a big difference, but looking at the math, your probability of running out of money goes up pretty high once you start getting up to five, and especially once you get up to six percent or more. The last mistake is Not Understanding Your Cash Flow Needs. One of the things that we want to understand are some of the variabilities that you might be experiencing with your income and your expenses in retirement. Here we talk about the sequencing of returns. That's what William Bengen did when he did his research on the four percent rule. If we're earning, let’s say, a six or seven percent average return over time, because of the sequencing of returns, we could end up with a bad string of years where we're not earning that average or we have down markets, what is the impact of that on our long-term ability to sustain our retirement withdrawals? One of the ways we can get around this is to use a bucket strategy. What that means is we keep one to two years worth of liquid cash reserves in an account that's very safe, very accessible, so that as you need money to supplement your retirement, we don’t have to take it out of some of the riskier investments that might be in the stock or the bond market. (continued on blog)
Views: 7155 Money Evolution
New Tax Laws For 2018 Real Estate and Small Business (TAXMAGEDDON-Webinar REPLAY)
New Tax Laws For 2018 Real Estate and Small Business. What Every Business Owner Investor Needs to Know! New Tax Laws, tax cuts and jobs act for 2018 Real Estate Small Business 2018 Explained. Easy to understand watch & listen in as Toby Mathis delivers answeres to questions from live attendees regarding the 2018 tax updates and new tax laws. 📺 👉https://youtu.be/QNeAkTWdWNQ Passed towards the end of 2017 the tax cut and jobs act is going to have an impact on most all business owners and taxpayers for the 2018 tax year. Grab a pen or take notes online as one of Andersons founding partners and top tax attorney, Toby Mathis explaines the new tax laws and changes. Get informed now so you're not tax surprised with all the changes later. A few minutes of your time now can have a significant POSITIVE IMPACT and help you realize the deductions you are entitled to. Don't be caught off guard by the 2018 tax reform bill and changes! Many changes with deductibility Section 179, big equipment deductions, Section 199, standard deduction and itemized deductions, Schedule A 1040, medical deductions, acquisition indebtedness, mortgage interest, Schedule E for the 2018 new tax laws have taken place. This and much more is answered during this provocative webinar. As a business owner you want to be sure to know precisely all the tax write offs you can take especially when it comes to the new rule for meals and entertainment. Audience questions were answered during this 1:30:00 minute webinar. This tax update webinar for 2018 is current with our tax laws. You're getting the best tax information from one of the nations biggest tax and asset protection attorneys, Toby Mathis of Anderson Business Advisors. Toby explains a great many of the new tax laws in affect for small, medium and large businesses in 2018. This is just some of what's covered in this webinar: * Flat tax rate imposed on C corps - What does this mean to companies? How will it impact both the individual, the small business owner, and the investor? * Are you an individual using Schedule A? - BIG CHANGES... the tide has changed but we'll guide you to safety. * Changes in charitable deductions for 2018, an increase in Standard deductions. 📺WATCH FULL WEBINAR REPLAY! 👉 https://youtu.be/QNeAkTWdWNQ * 🚀Ready To Take Your Business To The Next Level While Protecting Your Assets From Frivolous Lawsuits? ~*~ 💰Get Your FREE 30 min Consultation & Wealth Planning Blueprint NOW! https://AndersonAdvisors.com/register-now-a Check out https://AndersonAdvisors.com for financial strategies and details on upcoming workshops. ** SUBSCRIBE** Anderson Business Advisors Youtube Channel https://www.youtube.com/c/AndersonBusinessAdvisors 800.706.4741 TMathis@AndersonAdvisors.com https://AndersonAdvisors.com Twitter: @TaxWiseToby Blog: https://TobyMathis.com The information provided in this video should not be construed or relied on as legal advice for any specific fact or circumstance. Its content was prepared by Anderson Business Advisors with its main office at 3225 McLeod Drive Suite 100 Las Vegas, Nevada 89121. This video is designed for entertainment and information purposes only. Viewing this video does not create an attorney-client relationship with Anderson Business Advisors or any of its lawyers. You should not act or rely on any of the information contained herein without seeking professional legal advice.
Who Takes Your Shares When You Sell?
Market makers match sellers orders with buyers orders. So no one knows who buys your shares, and no one knows who is selling. This is a fair market where transactions are hidden. Some big transactions are shown after few months when done by mutual funds or big hands. But understand you will never get that information on time. All the market is full of secrets. Transactions are made during the trading hours and after that or before that. Thank you for watching. Please check my swing training levels at http://djellala.net Any question, just ask directly to istockmoney@yahoo.com Free chart training https://gumroad.com/l/PYkDh/freetraining Facebook https://www.facebook.com/djellalafanpage Twitter https://twitter.com/djellala_llc https://www.linkedin.com/in/abdelkarimrahmane/ Subscribe to my youtube channel https://www.youtube.com/channel/UCO3vhVCXqUssYDYTInvto9A?sub_confirmation=1
5 Things To Do 5 Years Before Retirement
For more information on our WealthVision Financial Plan check out our info page here; http://moneyevolution.com/wealthvision/ For access to the 7 Core Elements of Retirement Planning Video Series and Action Guide Click here. http://moneyevolution.com/7-core-elements-yt/ In today's video, I'm going to be talking about Five Things That You Should Do When You're Five Years Away From Retirement. So right off the bat, number one is Get Organized. If you're planning for retirement you might have a lot of your financial information scattered into a whole lot of different places. Maybe you've got some 401K plans at work, or some IRA accounts. Maybe your spouse has some retirement plans or old pension benefits. So the first thing you want to do is bring all of that information together. We also want to start identifying how some of those retirement resources are going to be able to work for you to provide you with the retirement lifestyle that you want. We call it your Retirement Gap. Fortunately, we have a couple of tools available to help you with this process. One of these tools is our 7 Core Elements of Retirement Planning Video Series and Action Plan. It’s a do-it-yourself type of a plan where you can start to get some of this financial information organized. Of course, we also do financial planning as well. We call it our WealthVision Comprehensive Financial Plan where we do it for you. Number two is we want to look at how we can kind of optimize the retirement assets that you have. We call this shift money to tax advantaged accounts. So as you approach retirement, we find that your cash flow tends to improve. Maybe your kids have moved out of the house, you're done paying for college, they're kind of self-sufficient on their own. Hopefully if your career and your job are going well you're making a little bit more money. So you might have more cash flow available to save money for retirement, but we also want to look at where some of that money is being saved. What we find for a lot of people is they have money in non-retirement accounts, taxable accounts that you have to pay income taxes every year on. We look for ways or opportunities for you to shift that over into tax advantaged accounts. So take a look at your accounts. Are you maxing out your 401K plan? Some 401K plans allow you to save an additional 10% in an after-tax savings vehicle. There's a recent tax law that now allows you to move that money directly to a Roth IRA account, even if you're over the income limits. You can contribute money to IRA accounts or Roth IRA accounts. Number three is Know Your Healthcare Options. Understanding this is very important because there are some big, big price tags on this. If you're working, and your employer is offering healthcare insurance now, you want to visit the HR department. Find out what they do about, if anything, in retirement. Are there any options to continue that healthcare, especially if you are going to be retiring prior to age 65 when you're eligible for Medicare. If you're married, check out what your spouse offers too, and compare those different plans. Start putting together some idea of how much that healthcare is going to cost because you don't want to get blindsided by it. There was a recent study by JP Morgan a couple years ago, and they said that if you had to go out into the Affordable Care Act exchanges, for a 64-year-old it would cost about $8400 a year per person for just a Silver Plan. That's not even the top-level plan! So understand what those options are, and check with your employer. Number four is think about your Plan For Income. Hopefully, if you've done some financial planning, you've identified some of your gaps. You want to know where those gaps are, and how much money will you potentially have to pull out of your retirement accounts. Are you eligible to take money out of those retirement accounts? Are you over 59 and a half if it's an IRA, are you over 55 if it's a 401K? You don't want to get hit with any penalties. Start planning out what that income strategy's going to be, and have some of that money in a more conservative investments so you're not blindsided by, “Oh my gosh, I'm retiring, I need to take $20,000 out of a retirement account and guess what, the stock market's down”. So think about that plan for income and where's the money going to come from. Number 5, and I love this one, because I think it kind of fulfills two issues here with retirees, is to Consider a Semi-Retirement. I think the idea for most of us, and in fact what I think about my own retirement is the idea of working 40, 50 hours a week, and then all of a sudden one day just throwing in the towel and never working again just sounds a little bit abrupt. (continued on blog) http://moneyevolution.com/2018/04/23/5-things-to-do-5-years-before-retirement/
Views: 67019 Money Evolution
Tax Advantages of Dividend Income
Are you planning on setting aside extra savings in the near future? When you're building savings for a long-term goal like retirement or education, keep in mind the tax implications of your investment. If you're earning bank interest, you pay income tax on that interest. But if you invest in stocks that pay a dividend, you can reduce taxes and keep more money for financial goals. Here are the tax advantages of dividend income... For more information please call (403) 270-1551 or visit www.westcormortgage.com.
Top 5 tax strategies final
http://www.fee-for-service.com.au You should not invest solely to obtain a tax benefit. Tax should never be the driver of investment decisions, however, there are tax strategies to consider as part of wealth creation planning. 1. Pre-pay interest and small asset write-offs Individuals not in business are able to prepay interest on loans used to purchase income-generating properties or dividend-paying shares. This gives the investor an opportunity to bring forward a sizeable tax deduction to reduce taxable income Useful if one has extra income in the relevant year due to inclusion of a large capital gain Individuals can also write off expenditure on small asset acquisitions costing less than $300 outright that relate to income-earning activities 2. Superannuation Superannuation still represents a wonderful tax planning opportunity for most investors. If you are lucky enough to have your own self-managed superannuation fund (SMSF), which is invested predominantly in listed shares paying fully franked dividends, then the super fund may not even be paying any tax or even better, receiving a tax refund The government intends to reduce concessional contributions for those over 50 years old to $25,000 who have a super balance over $500,000, so it is important for those over 50 to maximise their concessional super before the new rule kicks in Low-income earners are encouraged to make an after-tax contribution to super as they may be eligible for a tax-free co-contribution benefit of up to $1,000. The only downside for the co-contribution is that the tax-free contribution made on your behalf by the government is locked away until retirement Invest one dollar and receive one extra dollar tax free, which has to be the best risk-free investment available. This strategy works well when you have both a high and low-income earner within the family unit Opportunity to claim a spouse rebate for super contributions made on behalf of a low-income spouse. The spouse rebate is worth up to $540 3. Salary packaging Some employers (not-for-profit sector) receive special fringe benefits tax (FBT) concessions, so it is important to maximise any such opportunities There are benefits that are exempt from FBT and then there are ones that receive concessional treatment, such as motor cars. Both these types of benefits should be looked at for inclusion into salary-sacrifice arrangements Employers can also benefit from salary-packaging opportunities as labour on-cost (work cover/payroll tax) can be lower under such arrangements 4. CGT discount/investment in LICs Hold onto investments for more than 12 months before you sell to take advantage of the capital gains tax (CGT) discount Investors often forget their CGT bill will be halved if they wait a little longer than 12 months before they get the temptation to sell Ability to claim an extra tax deduction in listed investment companies (LIC). LICs are not entitled to claim a 50 per cent CGT discount when they sell shares, but can transfer this benefit to shareholders. The entitlement appears as a notation on the investor's dividend distribution statement 5. Entity holding investment assets Probably one of the most significant tax planning strategies is to look at which entity within the family group holds the investment assets. You need to take into account what is the most important driver for your circumstances - asset protection, income-splitting flexibility, succession and estate planning. It can be as complex as setting up a discretionary trust or as simple as putting assets in the name of a low-income spouse Discretionary trusts are particularly useful as they tick most of the boxes when it comes to income splitting, asset protection, access to CGT concessions and succession planning. Advice from a suitably qualified adviser is recommended to help you sort through the maze
Views: 355 Bruce Graham
"Single Premium Life Insurance"- Advice From A Real Agent- Single Premium Whole Life Insurance
Single Premium Life Insurance- Watch This Video to learn the ins and outs of single premium whole life insurance from a 16 plus veteran of the insurance world. If you have been debating putting money into a single premium life insurance whole life plan- let me simplify the process for you. In this video I am going to talk about the benefits and downfalls of a single premium life insurance plan! "single premium whole life insurance" single premium whole life http://youtu.be/vZDH0E1FiYw
Health Insurance Vocab - Medicare Drug Donut Hole
Medicare Prescription Drug Donut Hole: Most plans with Medicare prescription drug coverage (Part D) have a coverage gap (called a "donut hole"). This means that after you and your drug plan have spent a certain amount of money for covered drugs, you have to pay all costs out-of-pocket for your prescriptions up to a yearly limit. Once you have spent up to the yearly limit, your coverage gap ends and your drug plan helps pay for covered drugs again.
Views: 1538 CLRA Group
How to Appeal Your Part B Premium
Some people pay more for their Medicare Parts B and D due to their higher income. However, SS bases your premiums on your income from 2 years ago, and many people earn less now than they did before because they retired. In this video, we teach you how to appeal your Part B premiums with Social Security and get them lowered now. Join co-founder Danielle K Roberts for helpful tips on how to file your Medicare Part B appeal (IRMAA appeal), what documentation to include and how to estimate what your Part B premium might be in the future. Boomer Benefits provides free claims support for life for all of our Medigap and Medicare Advantage policyholders so that you are never alone in dealing with Medicare. To find more info on IRMAA appeals and download the SSA-44 form, go to this post: https://boomerbenefits.com/reconsideration/ New to Medicare? Attend our FREE Medicare 101 Webinar: https://boomerbenefits.com/webinars Get our FREE 6-Day Medicare Video Email course with bonus Medicare cost worksheet: http://boomerbenefits.link/mini-course To learn about Medicare and Employer Coverage: https://boomerbenefits.com/new-to-medicare/medicare-and-employer-coverage/ Join our 40,000+ Fans on Facebook: http://www.facebook.com/BoomerBenefits ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Subscribe for NEW Youtube Videos whenever we publish them: https://www.youtube.com/c/BoomerBenefits ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ -~-~~-~~~-~~-~- Open Enrollment is Almost Here! Please watch: "Preparing for the Medicare Annual Election Period" https://www.youtube.com/watch?v=Vnzq2zGedpY -~-~~-~~~-~~-~-
Views: 21466 Boomer Benefits
Healthcare Costs Will Be Heading Lower Says Universal American CEO
It’s not easy for Universal American (UAM) to compete against giant healthcare insurance providers like UnitedHealth, Humana and Cigna. Still, CEO Richard Barasch said his company does have some advantages because healthcare, like politics, is a local business. 'We are the largest Medicare HMO in Houston and in that market we have plenty of scale compared to the larger national companies,' said Barasch. 'We are the largest sponsor of ACOs (Accountable Care Organizations) throughout the country. It’s a niche business and we’ve developed a nice spot in that business that enables us to compete with the larger carriers.' Universal American, down 28% so far in 2015, is a Medicare Advantage company, which means that the government pays it a capitation rate for everyone who signs up with it to provide them coverage. The trade-off is that they are coming out of original Medicare in order to get more benefits inside of Medicare Advantage. 'What they give up is a little bit of flexibility on who they can go to. So we are private Medicare,' said Barasch. The company does not pay a dividend, but it has paid a series of special dividends. It has paid almost $20 per share worth of dividends to investors since 2011, according to Barasch. Subscribe to TheStreetTV on YouTube: http://t.st/TheStreetTV For more content from TheStreet visit: http://thestreet.com Check out all our videos: http://youtube.com/user/TheStreetTV Follow TheStreet on Twitter: http://twitter.com/thestreet Like TheStreet on Facebook: http://facebook.com/TheStreet Follow TheStreet on LinkedIn: http://linkedin.com/company/theStreet Follow TheStreet on Google+: http://plus.google.com/+TheStreet
Tax Difference between LLC and S-Corp - LLC vs. S Corporation explanation (FREELANCE TAX & 1099 Tax)
Best LLC vs. S-Corp walk through on the internet! Follow us at: Twitter - https://twitter.com/feedbackwrench Facebook - https://facebook.com/feedbackwrench Instagram @feedbackwrench What's the tax difference between an LLC and an S-Corp? What's better, an S Corp or an LLC? How to convert to an S Corporation? Are there tax savings when you become an S-Corp? What business type should I be? How to choose a business type? There are dozens of questions that people have concerning their business entity type. The bottom line is that people are usually trying to pay their fair share and not a penny more - that's the most important thing to them. If you're looking for tax planning advice, ways to reduce your taxes, legal tax loopholes, the best tax loopholes for small business or the best tax write offs for small business - the foundation starts with your business entity type. You should make a wise decision about becoming a limited liability company taxed as a sole proprietor or an S-Corp, because it might save you in self employment, social security and medicare taxes. Social security taxes for an S-Corp are important to figure out! So is figuring out the medicare taxes on an LLC or an S-corp. We hope this video helps you out a ton!
Views: 208552 FeedbackWrench
10 Things You Must Know Before You Retire
Retirement is something that most people look forward to - at least in theory. In reality, however, many people are either mildly apprehensive or downright scared about retirement because of the impending lifestyle changes and the financial requirements.IN PICTURES: 5 Tax(ing) Retirement Mistakes The 2010 Retirement Confidence Survey (conducted by the Employee Benefit Research Institute) indicates that 27% of Americans have less than $1,000 in savings for retirement, and that only 46% of workers have tried to calculate how much money they will need to have saved for retirement. While fear of retirement can motivate some people to take control of their finances and retirement planning, it can create a deer-in-the-headlights reaction in others; that is, some people simply do nothing about retirement. (Learn more, in 10 Steps To Retire A Millionaire.) While it is certainly to one's benefit to plan early for retirement, it's never too late to stop staring at the headlights and start planning. Every bit of savings can help secure a more enjoyable retirement. Here are 10 things you should know before you retire. Your Retirement ExpensesIn order to start planning for your retirement, it is important to determine how much money you will need each year to live comfortably during your retirement years. While this amount will be different for each person or couple, the rule of thumb is that retirees should plan on living on 70-80% of their current annual income. Many factors can affect this number, such as health care or expensive retirement hobbies, but this range is a good place to start. Retirement expense worksheets are helpful in estimating monthly financial requirements. Where Your Income Will Come From Once you know how much money you will need for retirement, you can strategize on how to meet these goals. Social Security, Employer-sponsored retirement plans, IRAs, annuities and dividends all provide retirement income. A session with a qualified financial planner can be helpful in deciding what will work best for your situations and goals. Personal Goals for Retirement Knowing your personal goals is important not just in terms of affordability, but also for quality of life during retirement. After long careers of working hard with limited free time, many people mistakenly assume that they will be satisfied doing nothing. This approach can be a set-up for disaster, not to mention a stressor on spousal relationships. Making plans for travel, learning, hobbies or volunteering can help smooth the transition into retirement and ensure that time is well spent. Plans for Maintaining a Healthy LifestyleYou know the old saying, healthy body, healthy mind? Part of a well-rounded retirement plan includes provisions for maintaining a healthy, fit lifestyle. A retirement can be more productive, fulfilling and enjoyable if a healthy lifestyle is emphasized. Eating well, exercising and staying hydrated are important to your mental and physical hea
Views: 20 retirement living
HCA Plans to Pay $2 Billion to Private-Equity Owners
Nov. 9 (Bloomberg) -- HCA Inc., the hospital chain acquired four years ago in a $33 billion leveraged buyout, plans to issue a $2 billion dividend to pay private-equity owners including KKR & Co. and Bain Capital LLC. The dividend will be partly funded with a $1.5 billion high-yield bond issue, according to a statement today by the Nashville-based company. Bloomberg's Cristina Alesci reports on Bloomberg Television's "InsideTrack." (Source: Bloomberg)
Views: 213 Bloomberg
Asset Location: Where to Hold Your Assets Based on Tax Efficiency
There are three types of accounts where you can hold your assets. Determining which accounts you place certain assets, based on tax-efficiency and expected return, can have a significant impact on your after-tax net returns. Taxable accounts, such as your individual accounts and trust, are taxed at the capital gains tax rate when distributed. Deposits in this account are after-tax. Tax-free accounts, such as a Roth IRA, grow 100% tax-free and there is no tax on distributions. However, you do pay tax on the deposit based on ordinary income. Tax-deferred accounts are subject to ordinary income tax rates upon distribution, but there is no tax paid on the deposit, instead, it's deferred until later. In this video, Jason Thomas, CFP® explains how to strategically locate your assets to try to produce the highest after-tax net returns. Important Points: (00:12) - The difference between Asset Location vs. Asset Allocation (00:52) - There are three different pools of money and they are all taxed differently: tax-free, taxable, and tax deferred (01:56) - Where to place tax inefficient items and tax advantage items (02:15) - Where to place the investments: stocks (02:44) - Where to place the investments: bonds (03:31) - Where to place the investments: mutual funds (04:30) - Where to place the investments: exchange traded funds (ETF) (06:25) - Prioritizing assets classes (07:36) - Asset Allocation If you would like to schedule a free assessment with one of our CFP® professionals, click here: https://purefinancial.com/lp/free-assessment/ Make sure to subscribe to our channel for more helpful tips and stay tuned for the next episode of “Your Money, Your Wealth.” https://www.youtube.com/subscription_center?add_user=PureFinancialCFP Channels & show times: http://yourmoneyyourwealth.com https://purefinancial.com IMPORTANT DISCLOSURES: • Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, Inc. A Registered Investment Advisor. • Pure Financial Advisors Inc. does not offer tax or legal advice. Consult with their tax advisor or attorney regarding specific situations. • Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. • Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. • All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. • Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors.
7 Core Elements of Retirement Planning
****Download your Free copy the 7 Core Elements of Retirement Planning Guide Here; http://moneyevolution.com/7-core-elements-retirement-planning-guide/ Are you planning to retire in the next 5 years and want to feel more confident that you will be able to live the retirement lifestyle that you want? Your retirement lifestyle will be based on how well you optimize what I call the 7 Core Elements of Retirement Planning. On my new free video I will breakdown each of the 7 core elements and show you... ****How saving money for retirement in the wrong account could cost you unnecessary taxes. ****The key factors you need to consider when deciding when to begin collecting Social Security, and how to coordinate your benefits with your spouse. ****Why healthcare costs may be one of the most overlooked or underestimated retirement expense, and, how to plan for healthcare expenses before and after Medicare. ****Easy to follow worksheets to help you estimate how much your retirement could actually cost, and, how to determine how close you may be to reaching your dream retirement. Plus, as a bonus you can also download my latest guide with worksheets and more detailed discussion on each of the 7 core elements.
Views: 7093 Money Evolution
How To Maximize Social Security Benefits (Part 1 2018)
#1. Make sure your earnings record has been recorded correctly. #2. If you have zero in your earnings record, every year you work will increase benefits. #3. Coordinate your benefits with your spouse. #4. MINIMIZE taxes! #5. Take advantage of your TWO Standard Deductions ================================= If you like what you see, a thumbs up helps A LOT. So, give me a thumbs up, please! Don't forget to SUBSCRIBE by clicking here: https://www.youtube.com/channel/UCSEzy4i9xrKPoaU9z0_XbmA?sub_confirmation=1 GET MY BOOK: Strategic Money Planning: 8 Easy Ways To Put Your House In Order It's FREE if you're a Kindle Unlimited Subscriber! https://amzn.to/2wKGi50 GET ALL MY LATEST BLOGPOSTS: http://heritagewealthplanning.com/blog/ PODCAST: https://itunes.apple.com/us/podcast/josh-scandlen-podcast/id1368065459?mt=2 LET'S SOCIALIZE! Facebook: http://Facebook.com/heritagewealthplanning Linkedin: https://www.linkedin.com/in/joshscandlen/ Quora: https://www.quora.com/profile/Josh-Scandlen Google +: https://plus.google.com/u/1/108893802372783791910
21 Ways to Make $100 PER DAY Online (ACTUAL METHODS; NOT HYPE)
You’re going to laugh when I tell you this. As a financial advisor I have made some pretty fat checks but it does not compare to the day that I made my first $100 online. 🤣 I know it sounds weird, but it’s the truth. Getting my first Google Adsense check in the mail, for making money online, just blew me away. It began an amazing journey that I am so grateful for. Today, I want to share 21 ways that I’ve made $100 online. 💰 I want to show you that if you are interested in making money on the side, online, it is possible. These are not the only ways to make money online. I just want to share the things that I have tried. So let’s take a look at these 21 ways you can make 100 dollars online: ➡️ 1. Google Adsense [3:51]- You can set up a free account, put it onto your website and Google does the rest. ➡️ 2. Text links [5:16]- There are companies that will pay to get a link back to their site. ➡️ 3. Sponsored Post [6:39]- Similar to a text link, but you are telling your readers and Google that ‘this is a sponsored post.’ ➡️ 4. Affiliate Marketing [8:06]- Become an affiliate for a company or product that you believe in and share your affiliate link in blog posts. ➡️ 5. Display ads [9:06]- Similar to Google Ads, but your reader does not have to click, they just have to see the ad (more traffic = more money) ➡️ 6. Freelance writing [9:56]- You can get paid for each article that you write. ➡️ 7.Getting new clients [11:17]- I use my website and my blog as a marketing tool to get new clients. ➡️ 8. Coaching [12:11]- After you have established your business and learned the ins and outs on how to grow that business, you can coach others to do the same. ➡️ 9. Selling leads [13:37]- I started a new site to get leads for people that were interested in Life Insurance, I found that there were companies that were willing to pay for these leads. ➡️ 10. Digital Products [14:39]- You can create a digital product, like an email course, PDF or video series and sell that online and make money passively. ➡️ 11. Online course [16:01]- You can create a nice robust course (bring the value) to teach your readers a skill, again once set up this is mostly passive income. ➡️ 12. Investment gains [16:48]- You can set up an online account and start investing. ➡️ 13. Peer-to-Peer lending [18:04]- You can use online platforms, like lending club, for crowdfunding. ➡️ 14. Crowd-funding real estate investing [18:34]- Fundrise is a great way to invest in real estate and make money. ➡️ 15. Sponsored social shares [19:38]- Similar to sponsored posts, you can have sponsors pay you to promote their product on your social media channel. ➡️ 16. Sell stuff online [21:13]- You can sell your things through online apps like Facebook, craigslist, etc. You get to make a little money from things you don’t use. ➡️ 17. Physical Products [22:02]- You can create a subscription box service and have monthly subscribers, for an ongoing business model. ➡️ 18. YouTube ads [23:50]- All you have to do is turn on your monetization and the more people you have watching, the more you get paid. ➡️ 19. Niche site [24:58]- If you create a website that for a specific niche you can sell training materials for that specific market. ➡️ 20. Brand partnerships [25:50] - Similar to sponsored posts, brands will come to you if you have a decent audience size. They will buy a package to promote their product through your social channels. ➡️ 21. Publish a book [26:56] - Write a book, then promote it through your social platforms. Those are the 21 ways that I have been able to make money online. I’m sure you already know there are other ways to do it. We didn’t talk about drop shipping, retail arbitrage, membership groups, or Facebook ads. There are so many ways out there. Chances are one of these ways I’ve shared, you can implement yourself and start making some extra side income. Once you figure out a way to do that, your wealth building journey will begin. Do it in a way that is fun, invigorating, and brings you life, and of course a way that adds to that checking account. 😀 #make100dollars #makemoneyonline #passiveincome ▶ Check out my gear on Kit: https://kit.com/jeffrosecfp ★☆★ Want More Good Financial Cents? ★☆★ 💻 Check out my blog here: https://www.goodfinancialcents.com/ Listen to my podcast here: 🎙 https://itunes.apple.com/us/podcast/good-financial-cents-podcast-investing-building-wealth/id775107294?mt=2 Pick up my best selling book, Soldier of Finance, here: 📗 http://amzn.to/2xOH78V Connect with me on Twitter: https://twitter.com/jjeffrose My most favorite inspiration T-shirt line, Compete Every Day: 👕 https://www.goodfinancialcents.com/compete
Views: 13735 Jeff Rose
Introduction to Medicare - Overview of the Medicare Program
This presentation provides an overview of the Medicare program including its structure and content. Topics discussed include the type of eligibility into the Medicare program, benefits (Parts A, B, C, & D), coverage and costs of the program. This presentation also reviews enrollment demographics of the Medicare population.
Views: 5009 ResDAC
3.8% Medicare Tax
Scott Buchanan of Human Resources Inc. discusses the 3.8% medicare tax to help business people understand how it applies to them.
Creating a Tax-Free Retirement Plan - Right on the Money – Part 1 of 5
Sub Headline: Adding a Reverse Mortgage, Roth IRA and Life Insurance to Social Security Income Synopsis: If you’re under age 50, not in a high-effective tax bracket and not receiving a matching contribution from your employer into your 401(k), consider dumping your ERISA plan in favor of a tax-free retirement. It’s probably too late for baby boomers in or near retirement, but it might just be the perfect time for the younger generation to break ranks with the conventional and think about a revolutionary retirement concept. Content: Most Americans planning for retirement are familiar with their Social Security benefits, Roth IRAs and reverse mortgages. But few understand the benefits of tax-free income from a non-modified endowment cash-value life insurance contract. The vast majority understands life insurance as an indemnification product to protect their family, business associates and favorite charities. But few have considered its tax-deferred accumulation advantage and tax-free distributions of return of basis and collateralized policy loans of gain. The affluent among us have used cash-value life insurance as a tax-favored vehicle for decades. Adding tax-free income from life insurance to these other tax-free products or strategies can deliver more net-spendable income during retirement. Watch the interview with popular platform speaker, asset management and life insurance specialist Rob Hagg as he talks about creating a tax-free retirement plan. Social Security benefits may be taxable based on its own income inclusion in the provisional income test, but tax deductions, exemptions and tax credits may offset higher benefit income, resulting in tax-free benefits. The tax-free income from Roth IRAs, reverse mortgages and cash-value life insurance is not includable in the provisional income test. So under current law, it’s conceivable you could design a tax-free retirement that could yield more net-spendable income and allow you to keep more of your hard-earned retirement income. If you’re under age 50, you may consider diverting your future 401(k) or IRA contributions to fund a Roth IRA (if you qualify). When you turn age 59½, you can begin converting any monies in your 401(k) and IRAs to Roth IRAs over a 10-year period ending at age 70. Delaying Social Security until age 70 will maximize your lifetime benefits. It’s exciting to consider this new approach that could become the new retirement plan for the next generation of retirees. Non-Modified Endowment Life Insurance Contracts are comprised of two types of tax-free distributions: one is tax-free basis; the other is a tax-free collateralized policy loan. To ensure tax-free distributions, Non-Modified Endowment Life Insurance Contracts must be kept in force for the life of the policy insured. Nationally syndicated financial columnist Steve Savant interviews with popular platform speaker, asset management expert and life insurance specialist Rob Hagg. Right on the Money is a weekly one-hour online broadcast for TV and radio distribution. The show contains five ten-minute segments that are redistributed online as individual video press releases. (www.rightonthemoneyshow.com) https://youtu.be/yH9UA7zLsYk
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Views: 1033 ITAS WSU Tech
Health Insurance For Elderly Over 65
Visit: http://getyourerectionsback.com/affordable-health-insurance-for-elderly/ Affordable Health Insurance For Elderly Over 65. Although many of the medical concerns experienced by elderly people are not necessarily urgent, such as problems with knees and waist, they are still very much an on going issue. Those affected are often experienced with long patiently waiting lists on the NHS and by the time therapy is available the issue may have complicated. Mature wellness insurance plan plan is designed to give those in need fast effective therapy in assisted living facilities. Many policies will also provide personal rooms and ambulances. https://www.youtube.com/watch?v=hphWW1a8eHA There are three main types of senior programs available: Basic A primary insurance plan strategy aims to protect essential therapies and will also provide discussions, assessments and conditions that need an over night remain will also be fully covered. This implies that primary senior wellness therapy will be offered quickly cheaply. Comprehensive As well as full protect for primary ailments that need an over night remain. A extensive elderly insurance plan strategy will also provide therapies, discussions and assessments where an over night remain is not necessary. In addition to this extensive programs are far more likely to provide services such as home medical and personal ambulances if they are required. A extensive strategy will also provide a greater stage of physical rehabilitation than a primary strategy. https://www.youtube.com/watch?v=21FDTUM8-5Q Mid Variety The stage and variety of coverage available with these programs can differ widely between suppliers, for example some primary programs will protect for assisted living facilities, whereas others will not. With this in mind a variety of suppliers are now offering programs that are positioned in the middle of the two. With this kind of strategy clients are able to select specific requirements or highlight any main concerns they may have. With this kind of plan clients are able to choose the most appropriate protect for them. Before choosing a plan, applicants must take into consideration what they can afford. Even though we all want the best protect available this is not always an choice. However to help make senior wellness insurance plan plan more cost-effective and reduce your premiums there are several options available. http://healthinsuranceforsenior.com/health-insurance-plans-age-50-65/ Six week wait With this choice clients will agree to have therapy on the NHS if the patiently waiting record in less than 6 several weeks. If the patiently waiting record is longer than 6 several weeks then personal therapy will be arranged. Implementing this choice indicates that clients will receive therapy within 6 several weeks, whether privately or through the NHS. https://www.youtube.com/watch?v=fssfKqJ5Cfg
Best Investment Products For Lazy Person | Money Doctor | Ep 6
Best Investment Products For Lazy Person | Money Doctor | Ep 6 Often, doctors insist that their patients maintain a certain discipline when it comes to taking their medicines, undergoing treatments and coming in for regular health check ups. As in health, so in wealth. While the usual options of gold and Fixed Deposits are an easy way to go, Systematic Investment Plans or SIPs can also be a great alternative. As our very own Money Doctor Gaurav Mashruwala puts it, SIP is a habit, one that if maintained well, could lead to wealth creation. This edition of SBI Mutual Fund presents Money Doctor – The Health of Your Wealth is all about setting up different SIPs for different goals, like in the case of Dr. Bharti Desai. And may you achieve them all! Read full article here - https://www.investonomix.com/invest/what-are-the-best-products-to-invest-in-for-someone-whos-not-that-disciplined-when-it-comes-to-investing/ Click The Below Link To SUBSCRIBE: http://www.youtube.com/channel/UCOKqI7wA_ohFnx7PFSOPLBA?sub_confirmation=1 Facebook: https://www.facebook.com/investonomix Twitter: https://twitter.com/investonomix For More Details Visit: www.investonomix.com
Views: 122 Investonomix
Minimizing Your Taxes - Steve Savant’s Money, the Name of the Game – Part 4 of 5
Sub Headline: Regulating Your Revenue in Retirement Can Help You Control of Your Money Synopsis: Ranking retirement expenditures: #1Taxes in Retirement. #2 Long-term care costs and #3 Medical Bill. Surprisingly, taxes cost retirees plenty. Taxes can erode cash flow and reduce a senior’s retirement lifestyle substantially. Watch part 4 Minimizing Your Taxes from the series Managing Your Retirement with syndicated financial columnist and talk show host Steve Savant. https://www.youtube.com/watch?v=E9VZDY1DadM&feature=youtu.be Content: Despite the major changesthat retirement is likely to bring, you won’t be able to escape taxes entirely if you have income from a job, a pension, investments,or Social Security. The irony, of course, is that if you owe tax, it means you have a larger income and so may actually be more financially secure. There are some tax breaks, though, after retirement. When you stop working, you stop paying taxes for Social Security and Medicare. That can add several thousand dollars to your bottom line. If you earn a pension in one state but move to another, you don’t have to pay taxes on the pension income to the state where you earned it. (But you will be a taxpayer in the state where you live.) When you reach 65, you may also qualify for a larger standard deduction whenyou file your federal tax return. Most retirement income is taxed, based on the type of income it is. Here’s an overview of federal rules that apply: Annuity income: A portion of each annuity payment is considered a return of principal and is not taxed unless it was purchased with pretax dollars. Earnings are taxed at your regular rate. Capital gains: Profits from the saleof stock, mutual funds, your home, and many other equity investments are taxed at your long-term capital gains rate, provided you have held the investments for the required period. Interest income is taxed at your regular rate. Dividends from qualifying stocks and mutual fund distributions of those dividends are taxed at your long-term capital gains rate. IRA distributions: All earnings in a traditional IRA and any contribution for which you took a tax deduction are taxed at your regular rate when you withdraw the money. Withdrawals of nondeductible contributions you made are not subject to tax. Additionally, income from a Roth IRA is not taxed if youare at least 591⁄2 and your account hasbeen open five years or more. Lump sum distributions from pensions, 401(k)s, and other salary-reduction plans are taxed at your regular rate. Pension annuity income is taxed at your regular rate. Rollovers from pensions, 401(k)s, and other salary reduction plans remain tax- deferred until you make withdrawals. Contributions from the book Managing Retirement Income in this press release are used with permission from Light Bulb Press. Syndicated financial columnist, talk show host and popular platform speaker Steve Savant features Managing Your Retirement. Steve Savant’s Money, the Name of the Game is an hour-long financial talk show for financial professionals distributed online in 5 ten-minute video press releases Monday through Friday through Trans World News 280 media outlets, social media networks and industry portals. (www.lifesizesolutions.com) https://youtu.be/E9VZDY1DadM
Views: 1382 Steve Savant
Government Mistakes John Wayne Contracts  proposal writing Capabilities Statement gsa advantage wawf
A competitor tried to blame me for a mistake the government made. He claims the government does not make mistakes........ Hahahahahaha. Has the government made a mistake that cost you money? Taxpayers are more on guard about what the federal government spends than they have been in years, or perhaps longer, as threats of a high deficit and national debt highlight concerns about a drop in the money paid into Social Security and Medicare. Most people would rather have an adequate retirement aided by Social Security than to pay for an agency that protects the interests of investors. Americans pay a great deal in taxes to fund the federal government. The Obama administration’s proposed 2012 budget for the FAA is $18.7 billion. The SEC’s budget will probably be more than $1.2 billion for the next fiscal year. The cost to operate the FDA will be about $2.5 billion. Oftentimes, the taxpayers’ money is not well spent. There have been many high-profile cases where agencies failed in their core missions to serve the best interests of the public. Read the Ten Big US Government Failures of the 21st Century The SEC’s failure to catch Bernie Madoff years ago astounds. Regulators were warned several times that his returns were too good to be true. FEMA was late to get supplies and manpower into the Gulf Coast areas after Hurricane Katrina in 2005. The blame for that trouble went all the way up to President Bush. The head of FEMA lost his job. It is reasonable to ask whether any agency with any budget can police its entire beat. A federal agency like the FDA has to do research on and track scores of drugs and how they are used or misused. It is bound to make a mistake now and then. The Minerals Management Service cannot check every oil rig every day. It only takes one series of mistakes to cause an explosion such as the Deepwater Horizon. Accidents cannot be prevented in all cases. That is the excuse that government agency managers make when things they oversee go wrong. Some of the excuses are reasonable. What most Americans do not consider reasonable is when there are tremendous mistakes made by agencies which cause loss of life, injury, or loss of property on a grand scale. Air traffic controllers should not be asleep on the job. Millions of toys painted with dangerous lead should not be imported from China and sold to children. The magnitude of those mistakes is just too great. 24/7 Wall St. examined the records of many government agencies and news reports about important agency failures to fulfill their mandates. We picked ten of these, all of which happened in the last five years and created a list of the greatest agency failures during that period. As a group, they point to the reality that the federal government cannot do everything, but when one of its agencies makes a large mistake, the results can be fatal. Pages: 1/2/3 Bitcoin Thor Industries Pops 12% After Trouncing Bottom-Line Estimates Why Momo, Inc. Stock Dropped Today 3 Dividend Stocks That Cut Bigger Checks Than Chevron marketwatch Nasdaq falls 6 points, or 0.1%, to 6,870 Dow pares early gains to rise 79 points, or 0.3%, to 23,660 S&P 500 up 10 points, or 0.4%, to 2,611 zacks 3 Tech Stocks for Growth Investors to Buy Now Cyber Monday Makes History: A Positive Sign for Holiday Shopping? Amazon Gains On Goldman Note, AWS re:Invent Heats Up foxbusiness Defense stocks gain as North Korea fires missile The Latest: McConnell still doesn't have tax bill vote John Wayne II Head Procurement Placement & No-Bid Simplified Acquisitions Specialist @ USFCR explains How to win get government contracts government contracts government procurement proposal writing NSN National Nato Stock Number Insteructions to offeror 52.212-1 2016-12-08 11.47 government contracts government procurement proposal writing nsn national stock number nato stock number gsa fbo sam system for award management system for awards management grants.gov government grants wosb vosb nbcc afpds small business instructions to offeror 52.212-1 ccr orca reps and certs far dfar f.a.r. d.f.a.r. fema naics psc fsc cage mpin dsbs capabilities statement 8a hubzone disadvantaged john wayne johnwayne jwayne@usfcrgov.com 7278003012 727-800-3012 government contracts government procurement proposal writing NSN National Nato Stock Number jwayne@usfcrgov.com 727-800-3012 7278003012 John Wayne government contracts government procurement proposal writing nsn national stock number nato stock number gsa fbo sam system for award management system for awards management grants.gov government grants wosb vosb nbcc afpds small business instructions to offeror 52.212-1 ccr orca reps and certs far dfar f.a.r. d.f.a.r. fema naics psc fsc cage mpin dsbs capabilities statement 8a hubzone disadvantaged john wayne johnwayne jwayne@usfcrgov.com 7278003012 727-800-3012 Want to know more about government contracting? Contact John Wayne II (877) 252 - 2700 ext #747 Direct (727) 800-3012 jwayne@usfcrgov.com
Views: 166 John Wayne I I
CLRA - Health Insurance Vocab - Fee for Service
Health Insurance Vocab - Fee for Service: A method in which doctors and other health care providers are paid for each service performed. Examples of services include tests and office visits.
Views: 1222 CLRA Group
How I got started in computers
In the fourth grade, I wanted to know how a TV was able to produce a moving image. I went to the library and checked out a book on electronics. I learned about cathode ray tubes and painting images 30 frames a second. I also learned about vacuum tubes and transistors. I got more books on electronics and started putting together simple circuits. I learned I could make a career out of electronics and laid out my plan to become and electrical engineer. In high-school, I learned about computers. I borrowed my sister Ellen's FORTRAN IV textbook and my cousin Danny's job-control card and handed my first computer program to the computer operator at Florissant Valley Community College. In 1978 at age 16 I wanted a part-time job, but did not want to work at a fast-food restaurant. I applied at Radio Shack, but was turned down because of my age. I then applied at a newly-opened computer store call Computer Country. Since they had just opened, the owner told me to come back in a couple of months. When I went back, I spoke to the owner's brother-in-law, Joe. He said he need a shine on his Hush Puppies. :-) He then open the case of an Apple ][ personal computer and asked me to point out the components inside. I proceeded to identify the RAM, CPU, ROM, and keyboard controller chips. He said he was starting a micro-computer distributorship and needed someone in the service department. He took down my contact info and promised to call. A few weeks later, he called and asked why I wasn't up there helping him to build the shop. I started as the third employee at High Technology, Inc., after Mark, Joe's childhood friend, who was the shipping department manager. High Technology was an awesome opportunity for me. I repaired computers and components, offered technical support to dealers and even helped trained some of them. I learned all about the Apple ][ and the peripherals as they came out. I learned how to program in BASIC, assembly language, and Pascal. I played with some of the first sound cards, voice recognitions cards and 5 MB Winchester disk drives. I held that job until I went off to college in Rolla in Fall 1981.
Views: 11 Stephen Veit
Social Security and Medicare
As you look ahead to retirement, learn about Social Security and Medicare from a Social Security Administration claims specialist through presentation held on campus. Topics include Medicare eligibility, filing procedures, enrollment periods and Social Security benefits in your retirement.
Views: 2026 U-M Human Resources
How to use Annuities to Protect Yourself fom Yourself
Have you ever considered using income annuities to protect yourself from yourself? Here is what I mean. One of the biggest retirement risks that hardly anyone seems to talk about is the diminishing ability for older retirees to make sound decisions. This is the same reason why so many scams target the elderly in different financial frauds. Well a lifetime income annuity can protect yourself from not only scams, but also from yourself because once the income has been turned on, you can't stop it. This could help ensure not only a lifetime income stream, but it also ensures that you can't make any bad financial decisions that could end up hurting your future financial needs. Think of the income annuity like a dual purpose longevity helper. So even if all of your other assets were lost, stolen, or bilked from some fraud, the one thing that no one can take from you is the lifetime income stream from the annuity. Not even you can stop it! For more on lifetime income and to Download your free retirement reports, check out: http://www.retirementthinktank.com To read the original article in Forbes, check out: http://www.forbes.com/sites/jeffreybrown/2014/05/22/use-life-annuities-to-protect-your-future-self/
Retirement Countdown - Are You Ready?
Do you have a clear vision of what your retirement will look like? Is retirement something that excites you or does it create a little anxiety? Retirement is one of the most important life transitions that we go through. Planned properly, retirement can be an exciting journey that can unleash fulfillment, contribution and the exploration of our abilities and talents, not to mention time to explore hobbies and travel adventures. Unfortunately, many people have blind spots when it comes to retirement planning. Polls consistently confirm that most people do not feel adequately prepared for retirement. They have questions and there is often a cloud of uncertainty. Transitioning from working life to retirement takes careful planning. Give yourself time to prepare – we can help you get organized. Do you want to experience confidence and peace of mind around retirement planning? If you do, be sure to watch this video to receive tips and strategies on how to plan and prepare for retirement. Some of the topics covered: How to make sure you won’t have more life than income. Key questions that you need to be asking yourself before you retire. How should I adjust my portfolio before I retire? Key emotional/psychological skills for a successful retirement. What tax benefits can I take advantage of when I retire? For resources discussed in the video be sure to visit the landing page for the post at http://www.shaunhumphries.com/videos-and-podcasts/retirementcountdown-areyouready# If you would like to receive invitations to future events, please contact the office at 204.977.8022 or email jderocquigny@assante.com For more helpful resources, and free tools, be sure to visit our website: http://www.shaunhumphries.com/home
What is creditable coverage?
David Wallace, Wallace Boggs, PLLC, http://www.wallaceboggs.com/ - (859) 578-5410. Kentucky Employee Benefits Law FAQs: http://thelaw.tv/859/Employee+Benefits+Law Disclaimer: http://thelaw.tv/859/a/d/
Views: 164 wallacelawtv
Harvard's Elmendorf Sees Muted Effect From Tax Bill
Nov.17 -- Douglas Elmendorf, Harvard Kennedy School of Government dean, discusses the House passage of its plan to overhaul the U.S. tax code. He speaks with Bloomberg's Julie Hyman on "Bloomberg Markets."
Views: 123 Bloomberg Politics
A Medicare/Managed Care-Free Out-Patient Surgery Center, G Keith Smith, M.D.
Presentation at the Association of American Physicans and Surgeons 65th Annual Meeting. September 10, 2008
Episode 4 - Tax-Deferred Savings
Welcome to Planning Your Financial Future – the series that’s going to help you prepare for retirement. As you view this video series, use this checklist as a guide to help you start planning your financial future today. https://www.calpers.ca.gov/page/education-center/member-education/planning-your-financial-future-checklist
Views: 13158 CalPERS
Your HSA  A Triple Threat Investment Tool
Health savings accounts (HSAs) are tax-advantaged savings accounts designed to help people with high-deductible health plans (HDHPs) pay for out-of-pocket medical expenses. While these accounts have been available since 2004, too few Americans are taking advantage of them. According to a July 2015 report from the Employee Benefit Research Institute (EBRI), about 17 million people had HSA-eligible health insurance plans in 2014, but only 13.8 million of that number had opened an HSA. Moreover, people with HSAs had an average balance of just $1,933 – a pittance, considering that the allowable annual contribution in 2016 is $3,350 for those with self-only health plans and $6,750 for those with family coverage. What's more, the balance can be carried over from year to year and can move with you from job to job. You are not legally obligated to use it or lose it, as with a flexible spending account (FSA). (See Comparing Health Savings and Flexible Spending Accounts.) In addition, only 6% of HSAs were in investment accounts. EBRI found that virtually no one contributes the maximum, and nearly everyone takes current distributions to pay for medical expenses. All of this means that consumers who have HSAs, as well as consumers who are eligible for HSAs but haven’t opened one, are missing out on an incredible option for funding their later years. It’s time to start a new trend. Why Use an HSA for Retirement? An HSA's triple tax advantage, which is similar to that of a traditional 401(k) plan or IRA, makes it a top-notch way to save for retirement. 1. Your contributions to an HSA (which can be made via payroll deductions, as well as from your own funds) are tax deductible, even if you don't itemize. In addition, any contributions your employer makes do not have to be counted as part of your taxable income. 2. Your account balance grows tax free. Any interest, dividends or capital gains you earn are nontaxable. 3. Withdrawals for qualified medical expenses are tax free. This is a key way in which an HSA is superior to a traditional 401(k) or IRA as a retirement vehicle because once you begin to withdraw funds from those plans, you pay income tax on that money, regardless of how the funds are being used. Also better: Unlike a 401(k) or IRA, an HSA does not require the account holder to begin withdrawing funds at a certain age. The funds can remain untouched as long as you like, although you may no longer contribute once you reach 65 and are eligible for Medicare. To qualify for an HSA, you must have a high-deductible health plan and no other health insurance. A major concern consumers have about foregoing a preferred provider organization (PPO) or health maintenance organization (HMO) plan and choosing a high-deductible health plan instead is that they will not be able to afford their medical expenses. In 2015 and 2016, an HDHP has a deductible of at least $1,300 for self-only coverage and $2,600 for family coverage. Depending on your cov
Views: 12 retirement living
What Hillary Clinton really thinks
Hillary Clinton’s theory of politics is unfashionable, but she doesn’t care. Subscribe to our channel! http://goo.gl/0bsAjO On page 239 of What Happened, Hillary Clinton reveals that she almost ran a very different campaign in 2016. Before announcing for president, she read Peter Barnes’s book With Liberty and Dividends for All, and became fascinated by the idea of using revenue from shared natural resources, like fossil fuel extraction and public airwaves, alongside revenue from taxing public harms, like carbon emissions and risky financial practices, to give every American “a modest basic income.” Her ambitions for this idea were expansive, touching on not just the country’s economic ills but its political and spiritual ones. “Besides cash in people’s pockets,” she writes, “it would be also be a way of making every American feel more connected to our country and to each other.”  This is the kind of transformative vision that Clinton was often criticized for not having. It’s an idea bigger than a wall, perhaps bigger even than single-payer health care or free college. But she couldn’t make the numbers work. Every version of the plan she tried either raised taxes too high or slashed essential programs. So she scrapped it. “That was the responsible decision,” she writes. But after the 2016 election, Clinton is no longer sure that “responsible” is the right litmus test for campaign rhetoric. “I wonder now whether we should’ve thrown caution to the wind, embraced [it] as a long-term goal and figured out the details later,” she writes. What Happened has been sold as Clinton’s apologia for her 2016 campaign, and it is that. But it’s more remarkable for Clinton’s extended defense of a political style that has become unfashionable in both the Republican and Democratic parties. Clinton is not a radical or a revolutionary, a disruptor or a socialist, and she’s proud of that fact. She’s a pragmatist who believes in working within the system, in promising roughly what you believe you can deliver, in saying how you’ll pay for your plans. She is frustrated by a polity that doesn’t share her “thrill” over incremental policies that help real people or her skepticism of sweeping plans that will never come to fruition. She believes in politics the way it is actually practiced, and she holds to that belief at a moment when it’s never been less popular. This makes Clinton a more unusual figure than she gets credit for being: Not only does she refuse to paint an inspiring vision of a political process rid of corruption, partisanship, and rancor, but she’s also actively dismissive of those promises and the politicians who make them. On Tuesday morning, I sat down with Clinton for an hour on the first official day of her book tour. It is a cliché that stiff candidates become freer, easier, and more confident after they lose — see Gore, Al — but it is true for Clinton. Jon Stewart used to talk of the “buffering” you could see happening in the milliseconds between when Clinton was asked a question and when she answered; the moments when she played out the angles, envisioned the ways her words could be twisted, and came up with a response devoid of danger but suffused with caution. That buffering is gone. In our conversation, she was as quick and confident as I’ve seen her, making the case for her politics without worrying too much about the coalitional angles or the possible lines of offense. And she says plenty that can, and will, offend. In our discussion, she lit into Bernie Sanders’s single-payer plan, warned that Donald Trump is dragging us down an authoritarian path, spoke openly of the role racism and white resentment played in the campaign, and argued that the outcome of the 2016 election represented a failure of the media above all. This was Clinton unleashed, and while she talked about what happened, it was much more interesting when she talked about what she believed should have happened. - Ezra Klein Editor-in-chief, Vox This interview was recorded on September 12, 2017. Thumbnail image by Kainaz Amaria. Vox.com is a news website that helps you cut through the noise and understand what's really driving the events in the headlines. Check out http://www.vox.com to get up to speed on everything from Kurdistan to the Kim Kardashian app. Check out our full video catalog: http://goo.gl/IZONyE Follow Vox on Twitter: http://goo.gl/XFrZ5H Or on Facebook: http://goo.gl/U2g06o
Views: 787770 Vox
What Is Covered By Health Insurance?
The policy lists a package of medical benefits such as tests, drugs, and treatment services. Health insurance understanding what it covers familydoctor. Ambulance cover may be available separately, combined with other policies, or in some cases is covered by your state government 22 aug 2013 every health insurance plan sold the marketplace will offer 10 essential benefits. Day bharti axa health insurance. Accordingly, everything what is covered by international health insurance. Health coverage for all global health coveragehealth insurance. Health insurance is helpful to cover the unexpected expenses such as maternity health medical companies today additional costs, including those incurred in both pre and post natal care, child delivery india a growing segment of india's economyhealth that covers whole or part risk person incurring type amount care costs will be covered by provider are specified writing, member contract whether you're looking choose new policy, going on medicare, unsure details your current plan, there several 1 aug 2013 number arent they come with major for consumers group offers many benefits employees, its members, under policy. Depending on the type of health insurance coverage, either insured pays costs out pocket and is then reimbursed, or insurer makes payments directly to provider 16 aug 2012 everyone subjected risks at one point time in their life. What is health insurance? Medical news today. When you fill out your application and compare plans, ll see the specific health care benefits each plan offers. Get ready to enroll in the health insurance marketplace 9 may 2018 is a type of coverage that covers cost an insured individual's medical and surgical expenses. Find out how to get shorter. 10 health care benefits covered in the health insurance marketplace covered by health insurance what is covered under group health insurance? Securenow. What is covered by private health insurance? Privatehealth. Protect those who explore best pregnancy insurance plans online in india to cover all related expenses as well give a medical advantage your new born health needn't be expensive, and there's level of suit everyone even if you have pre existing conditions. What kind of treatments are not covered by group health what is international insurance? Pacific primehealth insurance basics. Googleusercontent search. Complete hospitalisation expenses incurred by an every group health insurance plan may specify different illnesses for coverage and the kind of covered those. Question please let me know if the insurance covers surgical costs, hospitalization, dyalisis and medications in return, your health insurer agrees to pay a portion of covered medical costs. Health coverage for all. Payments by your health insurance are typically based on discounts they pre existing diseases classified as conditions that a person has before buying. Best health insurance 2018 understanding what it covers familydoctor "imx0m" url? Q webcache. Indep
Views: 13 E Info
Thrift Savings Plan Webcast
Information for federal government workers about investing in the Thrift Savings Plan.
Views: 66392 USOPM