Article TodayFinance.Money does talk!- March 26, 2008 Money does talk! By Willard Michlin When buying something, you can buy in one of two markets. The first is buying on terms in the retail market and the second is buying in the wholesale cash market. This can be illustrated by referring to the biggest purchase we all make in our lifetime - Real Estate. In recent years, when you are buying a house it is easy to get financing of the first mortgage,http://feeds.feedburner.com/~r/ArticleToday/~3/258314263/money-does-talk.html A Big Tax Loophole Just Got Bigger- March 26, 2008 Believe it or not, there are ways to convert taxable income into non-taxable income, without any fear of an IRS audit. Here's one of my favorites. It's been part of our beloved tax code for over 30 years, yet many still don't take advantage of it. What am I talking about The IRA -- Individual Retirement Account. 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If you are an average VCR user, someone who uses their VCR to watch prerecorded tapes from a video store, use a two head VCR. A twohttp://feeds.feedburner.com/~r/ArticleToday/~3/258314266/cyber-e-newsletter-shopping-tips-... Free egold Account Part 1 of 2- March 26, 2008 What is e-gold e-gold is an electronic currency, issued by e-gold Ltd - an offshore company - and 100% backed at all times by gold bullion. e-gold is integrated into an account based payment system that empowers you to use gold as money. Specifically, the e-gold payment system enables you to Spend specified weights of gold to other e-gold accounts. Only the ownership changes - the gold in thehttp://feeds.feedburner.com/~r/ArticleToday/~3/258314267/free-egold-account-part-1-of-2.ht... Insurance Regulators Focus on Abusive Sales Practices- March 26, 2008 State insurance regulators are focusing their efforts on a short list of five consumer problems areas related to the improper sale of variable annuities and life insurance. The problem areas include: 1) 1035 exchanges, 2) variable annuities inside of qualified accounts, 401(k)s or IRAs, 3) failure to fully disclose costs and fees, 4) comparing sub-accounts to mutual funds, and 5) improper orhttp://feeds.feedburner.com/~r/ArticleToday/~3/258314268/insurance-regulators-focus-on-abu... Avoid Annuity Tax Problems- March 26, 2008 Millions of investors own retirement annuity accounts but few are aware of the tax implications when the annuity is passed to an heir or beneficiary. A little known tax fact is that income tax on an individually owned annuity can be postponed only if the account owner's spouse is named as the sole beneficiary. If the annuitant is not married, the same treatment may be obtained through the use ofhttp://feeds.feedburner.com/~r/ArticleToday/~3/258314269/avoid-annuity-tax-problems.html IRS Fails as a Tax Adviser- March 26, 2008 The Internal Revenue Service conducted a study of the quality of telephone advice it provides to taxpayers. It found that only 27% of callers actually received complete answers to their questions. Almost three quarters of callers were denied service, told to call back later, or had an excessive waiting time and simple hung up before speaking with a representative. Of those few callers thathttp://feeds.feedburner.com/~r/ArticleToday/~3/258314270/irs-fails-as-tax-adviser.html Conservative Investment Management Pays for This Firm- March 26, 2008 It is genrally not a good idea for an independent financial adviser to endorse specific companies or products by name and this article is not intentionally written as an endorsement. But when another industry magazine printed an article sub-titled "American Skandia's Stroke of Genius" for viewing by financial professionals only, it seems apparent that the outstanding actions of this companyhttp://feeds.feedburner.com/~r/ArticleToday/~3/258314271/conservative-investment-managemen... College Tuition Prepayment Plans Stumble- March 26, 2008 Perhaps the most heartbreaking casualties of recent stock market performance are the 20 state-sponsored college tuition pre-payment plans throughout the country. With college costs continuing to grow at a pace of about 9% per year and investment returns on plan assets being flat or negative, the sponsors of the various prepaid tuition programs now project long-term cash shortages. Investors inhttp://feeds.feedburner.com/~r/ArticleToday/~3/258314272/college-tuition-prepayment-plans.... |