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What is a Medicare Advantage Dividend Plan?
 
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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?
Просмотров: 8 Medicare Lady
Medicare Supplement Plan Quotes
 
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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.
Просмотров: 118 medicaresupplements
Medicare Shopping? Why You Need a Broker
 
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Medicare Annual Enrollment is upon us. That means it's your time to investigate new plans. Do not allow inertia to take hold and assume your old plan is still competitive, especially in the Medicare Advantage arena. SHOP to see if better plans are available! But how do you do that? Medicare.gov??? Good luck with that. As Elaine Floyd talks about in this article Medicare.gov did not list plans that ARE available to her and were actually quite favorable plans too. In fact, only by mistake did she go to medicare.com and saw plans available to her that Medicare.gov didn't have. Plans that have been available to her for years, that she missed. Thankfully a friend told her about a plan she used and thus Elaine made the decision to do some research on her own. What a mess though! As she shares with us here. ================================= GET ALL MY LATEST BLOGPOSTS: https://heritagewealthplanning.com If you like what you see, a thumbs up helps A LOT. It tells YouTube that people are engaged and so the Youtube algorithm will show the vide to others who may be interested in the content. 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 Contact me: Josh@heritagewealthplanning.com GET MY BOOKS: Both are FREE to Kindle Unlimited Subscribers! The Tax Bomb In Your Retirement Accounts: How The Roth IRA Can Help You Avoid It https://amzn.to/2LHwQpt Strategic Money Planning: 8 Easy Ways To Put Your House In Order https://amzn.to/2wKGi50 PODCAST: https://itunes.apple.com/us/podcast/josh-scandlen-podcast/id1368065459?mt=2 http://heritagewealthplanning.com/category/podcasts/ 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
Просмотров: 245 Heritage Wealth Planning
Medicare Supplement Plans by 1-800-MEDIGAP®
 
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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/
Просмотров: 187 1-800-MEDIGAP
INVESTING TAXES EXPLAINED: Dividend Vs. Growth Investing
 
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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.
Просмотров: 6732 ppcian
Non Par No Assignment
 
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Просмотров: 1207 ITAS WSU Tech
Non PAR Accepts Assignment
 
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Просмотров: 364 ITAS WSU Tech
Medicare 2017 - How Much Does Medicare Cost?
 
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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.
Просмотров: 849 Anthony Selm
Investing Insights: What a Democratic House Means for Investors, Medicare Open Enrollment, and More
 
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This week on the podcast: T. Rowe Price’s year of fund upgrades; tips for Medicare open enrollment; Baird’s Tim Steffen discusses year-end tax planning; Alec Lucas analyzes this world large-stock option; Aron Szaprio on the implications of the midterm elections for investors; and dividends in the cereal aisle. For all Morningstar videos: http://www.morningstar.com/articles/archive/467/us-videos.html
Просмотров: 1262 Morningstar, Inc.
3.8% Medicare Tax
 
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Scott Buchanan of Human Resources Inc. discusses the 3.8% medicare tax to help business people understand how it applies to them.
Просмотров: 74 Human Resources Inc
Repealing Medicare's Sustainable Growth Rate (SGR)
 
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ACP President Dr. Molly Cooke delivers a message to advocates on repealing Medicare's Sustainable Growth Rate (SGR)
Просмотров: 352 Spark Street Digital
5 Things To Do 5 Years Before Retirement
 
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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/
Просмотров: 71282 Money Evolution
How Your 401k May Be Misleading You
 
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The screenshots above are real world 401k information from a client. He showed it to me asking how the heck average returns are calculated, given that most of his “returns” are actually from his own contributions. Yet, the 401k provider is showing his annual returns of 8.49% since 2006. I calculate that he should have $567k in this portfolio if he actually did contribute $16k a year with an initial starting value of $96k. In fact, it gets worse as he says he’s been putting the maximum allowed into the plan. So, how they are calculating returns? I don’t know. And that is always a problem with investment rates of returns. Let’s say you start year 1 with $100. At the end of year 1, your account has grown to $200. That gives you a 100% return. But the next year, you lose 50% of your money and thus you’re back down to $100. What’s your return? Well it could be 50% or 0 depending on how it’s calculated. You get a 50% return by taking your year 1 return of 100% and subtracting your year 2 loss of 50% to give you 50%. But that would be silly as you made 0 dollars. Your actual return is 0. So, the moral of the story, the ONLY thing that matters is how much your portfolio is worth and how much you put in it. Nothing else matters. Always remember that. ================================= GET ALL MY LATEST BLOGPOSTS: https://heritagewealthplanning.com If you like what you see, a thumbs up helps A LOT. It tells YouTube that people are engaged and so the Youtube algorithm will show the vide to others who may be interested in the content. 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 Contact me: Josh@heritagewealthplanning.com GET MY BOOKS: Both are FREE to Kindle Unlimited Subscribers! The Tax Bomb In Your Retirement Accounts: How The Roth IRA Can Help You Avoid It https://amzn.to/2LHwQpt Strategic Money Planning: 8 Easy Ways To Put Your House In Order https://amzn.to/2wKGi50 PODCAST: https://itunes.apple.com/us/podcast/josh-scandlen-podcast/id1368065459?mt=2 http://heritagewealthplanning.com/category/podcasts/ 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
Просмотров: 1717 Heritage Wealth Planning
AT&T AON Retiree Changes with Obamacare
 
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http://MedicareAgentTraining.com 1-800-729-9590 Impact of Affordable Care Act on Employee Benefits for Seniors on Medicare Seniors visit: http://SeniorSavingsNetwork.org AT&T Retirees Given Poor Choices with AON Hewitt I-M-P-O-R-T-A-N-T L-I-N-K-S Best Medicare Plan Information 1-800-729-9590 Call 24 hrs Our site: https://SeniorSavingsNetwork.org (Secure) Follow us on Facebook: https://www.facebook.com/SeniorSavingsNetwork/ Best Medicare Videos: https://seniorsavingsnetwork.org/bestvideos Subscribe here on Youtube: https://seniorsavingsnetwork.org/youtube Make sure to also click on the BELL icon when you subscribe! Our service is 100% Free and we have the same rates the carriers have, directly, so you get us for free!
Просмотров: 13658 Christopher Westfall
"Single Premium Life Insurance"- Advice From A Real Agent- Single Premium Whole Life Insurance
 
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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
Просмотров: 2693 Medicare Advantage Plans In Ct
Life and Health Insurance License Exam Cram
 
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►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.
Просмотров: 15809 Mometrix Test Preparation
Investing Insights: Holding Off On Social Security, CVS-Aetna, and More
 
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This week on the podcast: Ed Slott on holding off on claiming Social Security; Vishnu Lekraj analyzes the CVS-Aetna merger; Ben Johnson on the “other” news from Fidelity; and our analysts’ picks for funds with high-quality stocks For all Morningstar videos: http://www.morningstar.com/articles/archive/467/us-videos.html
Просмотров: 1126 Morningstar, Inc.
How to Appeal Your Part B Premium
 
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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://boomerbenefits.link/subscribe ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ -~-~~-~~~-~~-~- Please watch: "Do I Need a Medigap Plan? " https://www.youtube.com/watch?v=IviJE3Yi_cw -~-~~-~~~-~~-~-
Просмотров: 22772 Boomer Benefits
Blue Cross and Blue Shield | Health care system | Heatlh & Medicine | Khan Academy
 
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Sal and Dr. Baker talk a bit about Blue Cross and Blue Shield. Created by Sal Khan. Watch the next lesson: https://www.khanacademy.org/science/health-and-medicine/health-care-system/v/conversation-about-drug-pricing?utm_source=YT&utm_medium=Desc&utm_campaign=healthandmedicine Missed the previous lesson? https://www.khanacademy.org/science/health-and-medicine/current-issues-in-health-and-medicine/ebola-outbreak/v/r-nought-and-vaccine-coverage?utm_source=YT&utm_medium=Desc&utm_campaign=healthandmedicine Health & Medicine on Khan Academy: No organ quite symbolizes love like the heart. One reason may be that your heart helps you live, by moving ~5 liters (1.3 gallons) of blood through almost 100,000 kilometers (62,000 miles) of blood vessels every single minute! It has to do this all day, everyday, without ever taking a vacation! Now that is true love. Learn about how the heart works, how blood flows through the heart, where the blood goes after it leaves the heart, and what your heart is doing when it makes the sound “Lub Dub.” About Khan Academy: Khan Academy is a nonprofit with a mission to provide a free, world-class education for anyone, anywhere. We believe learners of all ages should have unlimited access to free educational content they can master at their own pace. We use intelligent software, deep data analytics and intuitive user interfaces to help students and teachers around the world. Our resources cover preschool through early college education, including math, biology, chemistry, physics, economics, finance, history, grammar and more. We offer free personalized SAT test prep in partnership with the test developer, the College Board. Khan Academy has been translated into dozens of languages, and 100 million people use our platform worldwide every year. For more information, visit www.khanacademy.org, join us on Facebook or follow us on Twitter at @khanacademy. And remember, you can learn anything. For free. For everyone. Forever. #YouCanLearnAnything Subscribe to Khan Academy’s Health & Medicine channel: https://www.youtube.com/channel/UC1RAowgA3q8Gl7exSWJuDEw?sub_confirmation=1 Subscribe to Khan Academy: https://www.youtube.com/subscription_center?add_user=khanacademy
Просмотров: 91123 Khan Academy
Tax Strategies For High Income Individuals
 
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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/
Просмотров: 4037 Money Evolution
Tax Advantages of Dividend Income
 
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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.
Просмотров: 43 Dominionn Lending Centres Westcor
Here’s Why Teladoc's Stock Soared After the Company's Recent Earnings
 
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Remote-medical care provider Teladoc (NYSE: TDOC) is far and away the leader in a field with real potential to help stem the ever-rising costs of U.S. health care. But turning that lead into a business that’s in the black isn’t so easy. Which is why investors were fairly enthusiastic about its most recent quarterly report: Its still not profitable, but the numbers show a model with scalability, and a clear path to profitability. Also key: Medicare Advantage plans will allow teleheath options starting in 2020, which opens a huge potential market. In this segment of the Motley Fool Money podcast, host Chris Hill and Fool senior analysts Ron Gross, Matt Argersinger and Jason Moser weigh in on Teladoc, its growth arc, its CVS (NYSE: CVS) partnership, and more -- as well as whether investors should be giving it a closer look, even after it’s recent share price pop. ------------------------------------------------------------------------ Subscribe to The Motley Fool's YouTube Channel: http://www.youtube.com/TheMotleyFool Or, follow our Google+ page: https://plus.google.com/+MotleyFool/posts Inside The Motley Fool: Check out our Culture Blog! http://culture.fool.com Join our Facebook community: https://www.facebook.com/themotleyfool Follow The Motley Fool on Twitter: https://twitter.com/themotleyfool
Просмотров: 147 The Motley Fool
HCA Plans to Pay $2 Billion to Private-Equity Owners
 
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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)
Просмотров: 213 Bloomberg
Tax Difference between LLC and S-Corp - LLC vs. S Corporation explanation (FREELANCE TAX & 1099 Tax)
 
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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!
Просмотров: 250879 FeedbackWrench
The Diversity Dividend: Canada's Global Advantage
 
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This video illustrates the findings outlined in the Diversity Dividend: Canada’s Global Advantage report, written by Dr. Bessma Momani and Jillian Stirk, and co-published by the Centre for International Governance Innovation (CIGI) and The Pierre Elliott Trudeau Foundation. It was produced by Kindea Labs. To learn more about the report: http://bit.ly/2r0GExJ Cette vidéo illustre les conclusions présentées dans le rapport sur "Les fruits de la diversité: l'avantage mondial du Canada," écrit par Dre. Besma Momani et Jillian Stirk, et co-édité par le Centre mondial du pluralisme (CIGI) et la Fondation Pierre Elliott Trudeau. La vidéo est produite par Kindea Labs. Pour en savoir plus sur le rapport: http://bit.ly/2qoecnS
Просмотров: 418 La Fondation Pierre Elliott Trudeau
If I Had ONE Fund To Invest In... (Part 1)
 
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A long time ago, when I first started at Vanguard in 1998, I had envisioned retiring at 65 with $1 million in assets. I would then dump the entire balance into the Vanguard GNMA fund, VFIIX, and live off the interest. Back then the interest on VFIIX was around 6%, meaning I could draw $60,000 a year WITHOUT touching principal. I thought that would great, more than enough to live on...for ever! In 2002 I came across something called the ICA Guide, which is the history of the American Fund Investment Company of America mutual fund. What I loved about this piece wasn't that the funds performance was so phenomenal over the many decades it's been around but rather it showed the need for dividends and reinvesting dividends too. The difference between dividends reinvested and not over a long time period is simply insane. You'll see in this piece how important dividends being reinvested are. ALso, you'll how important a GROWING portfolio will increase your income potentially as opposed to a FIXED INCOME bond. THis changed everything for me when it came to my own thinking of the Vanguard GNMA. With inflation, even how low it is, you NEED increasing income to keep up. Fixed income, by its inherent nature, is FIXED. It can't increase! Yet inflation, each and every year, slowly takes away your purchasing power. You need to deal with inflation AND taxes and only a growing portfolio can do that. Remember that. Always. Inflation, taxes and investment fees are not your friend. https://www.americanfunds.com/advisor/pdf/broker/mfgebrx-004_icag.pdf ================================= GET ALL MY LATEST BLOGPOSTS: https://heritagewealthplanning.com If you like what you see, a thumbs up helps A LOT. It tells YouTube that people are engaged and so the Youtube algorithm will show the vide to others who may be interested in the content. 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 Contact me: Josh@heritagewealthplanning.com GET MY BOOKS: Both are FREE to Kindle Unlimited Subscribers! The Tax Bomb In Your Retirement Accounts: How The Roth IRA Can Help You Avoid It https://amzn.to/2LHwQpt Strategic Money Planning: 8 Easy Ways To Put Your House In Order https://amzn.to/2wKGi50 PODCAST: https://itunes.apple.com/us/podcast/josh-scandlen-podcast/id1368065459?mt=2 http://heritagewealthplanning.com/category/podcasts/ 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
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Is This Health Insurer a Smart Stock to Buy?
 
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Medicaid expansion has added millions of new members to the rolls of managed Medicaid insurers, including Wellcare Health (NYSE: WCG) and now that democrats have won the House of Representatives in Washington, D.C., reform that eliminates Medicaid expansion seems unlikely. Yet, Wellcare Health's shares have tumbled over 20% recently. In this clip from The Motley Fool's Industry Focus Healthcare, host Shannon Jones is joined by Todd Campbell to explain how Wellcare Health is profiting from Medicaid expansion and why its shares could bounceback because of rising demand for Medicare Advantage and Medicare Part D plans. ------------------------------------------------------------------------ Subscribe to The Motley Fool's YouTube Channel: http://www.youtube.com/TheMotleyFool Or, follow our Google+ page: https://plus.google.com/+MotleyFool/posts Inside The Motley Fool: Check out our Culture Blog! http://culture.fool.com Join our Facebook community: https://www.facebook.com/themotleyfool Follow The Motley Fool on Twitter: https://twitter.com/themotleyfool
Просмотров: 100 The Motley Fool
UnitedHealth beats on earnings
 
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CNBC's Bertha Coombs reports the highlights of UnitedHealth Group's quarterly earnings release.
Просмотров: 189 CNBC Television
Zimmer Holdings Initiates Dividend And $1.5 Billion Share Buyback Plan
 
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Zimmer Holdings (NYSE:ZMH) board of directors initiated a dividend of $0.18 per share and announced a share repurchase program of $1.5 billion. The initial quarterly cash dividend of $0.18 per share will be paid on or about April 27, 2012, to stockholders of record as of the close of business on March 30, 2012. David Dvorak, Zimmer President and CEO said, "The opportunity to initiate a quarterly dividend results from our rigorous financial and operational discipline and reinforces our confidence in the Company's future and our commitment to generating value for stockholders. This year marked our tenth anniversary as a publicly traded company. Given the substantial increase in revenues since the spin-off from our former parent, our leadership position in our core reconstructive product categories and the considerable strength of our balance sheet coupled with our capacity to generate cash, now is an appropriate time to solidify our commitment to return value to our stockholders. We are confident that the Company will continue to generate sufficient cash to pursue targeted strategic acquisitions while providing increased value for our stockholders through dividend and share repurchase programs."
Просмотров: 92 FinancialNewsOnline
Episode 4 - Tax-Deferred Savings
 
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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
Просмотров: 14224 CalPERS
How To Craft The PERFECT Insurance Sales Presentation
 
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https://www.FEAgentMentor.com/ - How To Craft The PERFECT Insurance Sales Presentation In this video, Dave Duford discusses three different methods to sell insurance, as well as discussing the pros and cons of each method. Specifically, Dave discusses the following topics: 1) The "Pump & Dump" One-Call Close Presentation 2) The Multi-Call Presentation 3) The Reciprocal, "Value-Added" Presentation If you are interested in selling insurance, and are looking for guidance on how to determine what type of insurance product, or what type of insurance agency to join, then this training is just for you. David's #1 Final Expense Sales Training Book - http://feagentmentor.com/official-guide-selling-final-expense-book/ Welcome to Final Expense Agent Mentor's YouTube Channel, dedicated to the development and success of new and experienced final expense life insurance agents. This YouTube Channel is perfect for you if you: 1) Are new to final expense and are looking for final expense training based on *real-world experience*, as FEAM owner David Duford has personally sold final expense for six-plus years. 2) Are experienced in selling final expense insurance, and are looking for tips, techniques, and strategies as to how to optimize your selling and prospecting skills for maximal results. 3) Are looking for information on the best final expense lead sources and are interested in motivation and coaching. David Duford offers the following programs for final expense agents: 1) Looking For An Agency To Join? You can join David's FEAM Mentorship Program, whether you are new or experienced. Go to http://www.feagentmentor.com/contact/ to request more information. 2) Looking For Discounted Leads And Advanced Final Expense Sales Training? David's Final Expense Inner Circle is a great way to get near-wholesale pricing on final expense leads (telemarketing and Facebook leads) in addition to live-stream final expense training in a group coaching capacity, in addition to immediate access to David's comprehensive final expense sales and prospecting training courses. Go to https://app.webinarjam.net/live/30188/4d22cf1649/now/ to learn more.
Просмотров: 658 David Duford
Sick Day | Triple-S Health Plan in USA Walgreens Coverage?!
 
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I was sick for over 2 weeks trying to get better without going to a doctor because those are so expensive. In the end, my doctor back home surprised me! I was mentally prepared to pay over $100 for my served prescription in Walgreens. I am uninsured in the USA and still have my Puerto Rico Health Plan, Triple-S. 🔵FIND ME ON SOCIAL MEDIA🔵 Twitter:https://twitter.com/mikosvlog Facebook: https://www.facebook.com/mikosvlog Instagram: https://www.instagram.com/mikosvlog 🔵FREE MUSIC ON THIS VIDEO🔵 https://www.youtube.com/watch?v=T9bjpcx6fp4
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Medicare Prescription Drug Benefit - CMS Administrator Dr. Mark McClellan
 
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Question at Hearing, May 3, 2006
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Short Term Health Insurance Louisiana
 
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Dr. Taffy talks Short term health insurance for Louisiana. Do they have their own regulations or are they defaulting to the Federal regulation? What is the time frame? Which insurers are offering short-term plans in Louisiana? Do you need a back up plan? Go to http://twagner.savewithdiscounhealthcare.com Follow Dr. Taffy on social media: http://www.facebook.com/SelfEmployedHealthBenefits http://www.twitter.com/DrTaffy http://www.Linkedin.com/in/Drtaffy Be sure to subscribe to this channel so you can stay up to date!!
Просмотров: 11 Own Your Health Care
What is DIVIDEND IMPUTATION? What does DIVIDEND IMPUTATION mean? DIVIDEND IMPUTATION meaning
 
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What is DIVIDEND IMPUTATION? What does DIVIDEND IMPUTATION mean? DIVIDEND IMPUTATION meaning - DIVIDEND IMPUTATION definition - DIVIDEND IMPUTATION explanation. Source: Wikipedia.org article, adapted under https://creativecommons.org/licenses/by-sa/3.0/ license. Dividend imputation is a corporate tax system in which some or all of the tax paid by a company may be attributed, or imputed, to the shareholders by way of a tax credit to reduce the income tax payable on a distribution. In comparison to the classical system, it reduces or eliminates the tax disadvantages of distributing dividends to shareholders by only requiring them to pay the difference between the corporate rate and their marginal rate. Australia, Malta and New Zealand have imputation systems. The United Kingdom has a modified imputation system. Germany had a dividend imputation system until 2000 and France until 2004. Other jurisdictions (Singapore, for example) achieve a similar result by not taxing dividends at all. The difference under this arrangement is that shareholders obtain a tax benefit even though the company may not have paid any tax at the corporate level, and it also benefits non-resident shareholders. The imputation system effectively taxes the company profit at the shareholders' average tax rates. The objective of the dividend imputation system is to eliminate double taxation of company profits, once at the corporate level and again on distribution as dividend to shareholders. More specifically, it is intended to create a "level playing field" by taxing the same activity in the same way, irrespective of the business structure being used, namely a company or trust, sole trader or partnership.
Просмотров: 893 The Audiopedia
Healthcare Costs Will Be Heading Lower Says Universal American CEO
 
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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
Просмотров: 357 TheStreet: Investing Strategies
Savings Plus - Putting Your Deferred Compensation to Work for You
 
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Start planning for your retirement at any age. Learn how you can develop your retirement plan.
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S-Corp to Reduce Self-Employment Taxes -- Small Business Tax Tip
 
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http://www.nchinc.com/ If you're self-employed, you'll usually have to pay higher Social Security and Medicare taxes, collectively known as self-employment taxes, than if you were an employee of a company. One way to help avoid these higher taxes is to organize your business as an S-corporation. The Internal Revenue Service may take a close look at your taxes if you choose this route, as you could end up lowering your overall tax liability while generating the same net income. If you organize your business as an S-corporation, you can classify some of your income as salary and some as a distribution. You'll still be liable for self-employment taxes on the salary portion of your income, but you'll just pay ordinary income tax on the distribution portion. Depending on how you divide your income, you could save a substantial amount of self-employment taxes just by converting to an S-corporation. For more information on small business taxes, contact a Nevada Corporate Headquarters representative at 1-800-508-1729.
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Your HSA  A Triple Threat Investment Tool
 
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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
Просмотров: 14 retirement living
Aetna fattens shareholder payout after Humana deal fails
 
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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.
Просмотров: 90 WTNH News8
Health Insurance For Elderly Over 65
 
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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
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3 Big Retirement Withdrawal Mistakes
 
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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)
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AMA TV Ad - Looming Cuts
 
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Tell your Senators to get back to work and fix Medicare now. Learn more by visiting: http://www.patientsactionnetwork.com/issues-overview/medicare-reform/
Просмотров: 1126 PatientsActionNet
Creating a Tax-Free Retirement Plan - Right on the Money – Part 1 of 5
 
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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
Просмотров: 1079 Right On The Money Show
Blunt & Lankford: Lifelong Income
 
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Guaranteed income for life. Retirement experts Kim Lankford of Kiplinger’s and New York Life’s Christopher Blunt discuss strategies to avoid outliving your nest egg. WEALTHTRACK #1243 broadcast on April 15, 2016
Просмотров: 10556 WealthTrack
10 Things You Must Know Before You Retire
 
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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
Просмотров: 22 retirement living
Harvard's Elmendorf Sees Muted Effect From Tax Bill
 
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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."
Просмотров: 123 Bloomberg Politics
Filed Social Security Too Early? Here's What To Do
 
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What do you do if you filed for Social Security benefits too early? In this video I will share with you three things you can do to improve your Social Security benefit, even if you already filed. 1. Stop your benefit and pay back what you received. Now you can only do this in the same year you filed, be advised. Before the 2015 changes you could repay all your benefits, interest free, even if you took those benefits years prior. Those days are over now. 2. Stop your benefits to begin receiving the increases each year you delay taking them up until age 70, Say you are 64 and started your benefits at 62. Because you took your benefits before your Full Retirement Age of 66, your Social Security payment was reduced by 25% of your Primary Insurance Amount (PIA). However, if you stop your benefits now, you can still receive increases of 8% each year until you decide to start the benefits up again. No big deal. Of course, if you do this, you'll need to ask where the income will come to replace the Social Security benefit you no longer receive. Just keep that in mind. #3. My favorite strategy is to stop your benefits AND go back to work. This strategy could double your winnings because the extra year of work may replace a lower earning year in your Averaged Indexed Monthly Earnings (AIME)calculation. Remember your AIME is based on your top 35 years of earnings. Let's say you have a couple years in your AIME when you were making 20k as a dishwasher. Well if you now you get a job selling cellphones or whatever and make 90k in commissions, not only have you lopped that 20k year off your AIME but you've replaced it with 90k! On top of that because you're no longer receiving benefits you're taking advantage of the 8% a year increase on your total benefits. A win/win/win scenario here, if you ask me. Moral of the story: If you took benefits too early, don't fret. There are ways you can "fix" what you've done and be better off for it. https://money.usnews.com/money/retirement/social-security/articles/2018-02-09/what-to-do-if-you-filed-for-social-security-too-early ================================= 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
Просмотров: 69 Heritage Wealth Planning
Introduction to Medicare - Overview of the Medicare Program
 
58:10
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.
Просмотров: 5145 ResDAC