| 1. |
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Finding Money in a Credit Crunch by Daniel Lamaute |
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The credit crunch coupled with a recession means that access to
capital has become scarce for most businesses and individuals
alike. The crashing home prices have wiped away the ability of
most individuals and small business owners to obtain cash from
home equity withdrawals or in refinancing their house. |
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Distributed: 2008-10-28 11:36:00 |
Word Count: 525 |
Page Views: 3488 |
Votes: 7 |
Rating: 1.43 |
| 2. |
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In Fear of Retirement by Daniel Lamaute |
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Many baby boomers are staring at retirement like a deer caught on
oncoming headlights. They are not sure what to do or what else to
do. They fear that whatever they have in savings just might not
be enough. Less than 1 out of 5 workers felt very confident about
having enough money for a comfortable retirement, according to
the April 2008, EBRI Retirement Confidence Survey. And with good
reasons, inflation is zooming at the same time that asset values
are flagging. |
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Distributed: 2008-05-08 11:12:00 |
Word Count: 646 |
Page Views: 3722 |
Votes: 9 |
Rating: 3.00 |
| 3. |
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Consolidating of High Rate Credit Card Debt with a 401K Loan by Daniel Lamaute |
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Banks are putting the squeeze on even their best long term card
holders at a time when other sources of credit, such as home
equity loans for example, are harder to come by. A lot of people
are shocked to receive notices that their credit card rate has
jumped to as high as 28 percent even though they've kept good
credit and an excellent payment history. |
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Distributed: 2008-04-23 11:00:00 |
Word Count: 406 |
Page Views: 4628 |
Votes: 9 |
Rating: 1.00 |
| 4. |
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Using a 401K Loan to Stop Foreclosure by Daniel Lamaute |
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A bankruptcy or foreclosure can cripple one's ability to obtain
decent credit for many years. In addition, some employers and
landlords won't hire or rent to a candidate with terrible credit
history. Thus, it is a good idea to discuss all options with a
financial planner before ending in bankruptcy or foreclosure. |
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Distributed: 2008-02-11 13:36:00 |
Word Count: 465 |
Page Views: 10115 |
Votes: 19 |
Rating: 1.79 |
| 5. |
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Starting A Business After Retirement by Daniel Lamaute |
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For a lot of people retirement is but a transition that frees
them to live their dream of running their own business. Census
figures show that about 20 percent of those in their 50s were
self-employed. But, twice that, a whopping 40 percent of those
working past age 70 are in business for themselves. |
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Distributed: 2007-10-23 11:00:00 |
Word Count: 565 |
Page Views: 4806 |
Votes: 11 |
Rating: 2.73 |
| 6. |
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Selecting Between a 401(k) And 403(b) For a Nonprofit by Daniel Lamaute |
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Newly released IRS regulations impose several new requirements
and fiduciary responsibilities on employers with 403(b) plans.
While the regulations generally don't take effect until January
1, 2009, there are some provisions that apply sooner. |
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Distributed: 2007-10-11 11:00:00 |
Word Count: 333 |
Page Views: 13819 |
Votes: 22 |
Rating: 2.27 |
| 7. |
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401K Loans for Emergencies by Daniel Lamaute |
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For many people the quickest way for them to access an emergency
loan quickly is to tap their credit cards, or their retirement
account. But these methods have their drawbacks. Credit cards
generally carry high double digit interest rates and wicked fees.
On the other hand, early withdrawals from an IRA or 401K can
trigger tax and penalties of up to 45% of the money withdrawn. |
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Distributed: 2007-10-10 10:00:00 |
Word Count: 343 |
Page Views: 3921 |
Votes: 11 |
Rating: 2.55 |
| 8. |
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Tax Free Retirement Income with the Roth IRA and Roth 401(k) by Daniel Lamaute |
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Under this year's new tax rules it's possible to have a Roth
401(k) in addition to a Roth IRA for Tax Free Retirement Income. |
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Distributed: 2006-09-26 12:24:00 |
Word Count: 435 |
Page Views: 4532 |
Votes: 11 |
Rating: 2.09 |
| 9. |
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The Individual 401k - BIG Business Benefits For The Home Business by Daniel Lamaute |
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Major mutual fund and investment management companies now offer
self employed individuals 401k plans that are easy to install
and administer at very low cost. What's more independent
contractors and small business owners can borrow part of
their retirement savings tax-free and penalty free by taking
advantage of a loan provision in these new plans. |
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Distributed: 2006-04-18 04:44:58 |
Word Count: 0 |
Page Views: 2597 |
Votes: 2 |
Rating: 0.50 |
| 10. |
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Unemployment May Require a 401(k) Defensive Strategy by Daniel Lamaute |
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We all plan and prepare for what lies ahead of us, but can we
truly know what our future holds? In all of our planning, we
never seem to account for that Mack truck barreling down the
freeway, out of control and on a direct path for our vehicle. |
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Distributed: 2006-04-11 20:47:05 |
Word Count: 0 |
Page Views: 2377 |
Votes: 2 |
Rating: 0.50 |
| 11. |
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Finding Debt Relief in Stressful Financial Times by Daniel Lamaute |
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With consumer debt at this all-time high, debt consolidation
may be a good move for a large number of American consumers. |
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Distributed: 2006-03-01 22:55:22 |
Word Count: 0 |
Page Views: 1904 |
Votes: 2 |
Rating: 0.50 |
| 12. |
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Your Retirement - Full of Golden Years or Golden Arches? by Daniel Lamaute |
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In light of all of the recent news concerning corporate fraud
and 401(k) pension fund mismanagement, it is imperative that you
take the time to learn about what you need to do personally to
protect your own retirement assets. |
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Distributed: 2006-02-17 03:23:45 |
Word Count: 0 |
Page Views: 1179 |
Votes: 2 |
Rating: 0.50 |
| 13. |
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New Years Resolution to Eliminate Credit Card Debts by Daniel Lamaute |
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The fact that most credit card companies are doubling their
required minimum monthly payments will push consumers to be
more diligent about replacing their card debt with an
alternative... |
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Distributed: 2006-01-19 00:43:30 |
Word Count: 0 |
Page Views: 1408 |
Votes: 2 |
Rating: 0.00 |
| 14. |
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Roth 403(b) Plans for Nonprofits by Daniel Lamaute |
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Non-profit organizations can now offer a Roth 403(b) to their
employees, thanks to new rules that took effect in 2006. |
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Distributed: 2006-01-10 16:25:39 |
Word Count: 0 |
Page Views: 2098 |
Votes: 2 |
Rating: 0.50 |
| 15. |
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The New Roth 401K And Contribution Limits For 2006 by Daniel Lamaute |
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The 401(k) is undergoing its biggest change in 25 years. This
year not only can you can put more money than ever before in
your 401(k) but you can also add a Roth option. |
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Distributed: 2006-01-06 17:49:14 |
Word Count: 0 |
Page Views: 2980 |
Votes: 2 |
Rating: 0.50 |
| 16. |
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Taking Charge of Your 401(k) Investments by Daniel Lamaute |
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These days financial services firm, Lamaute Capital Inc., is
seeing a lot more investors worried about their retirement
and the miserly growth of their 401(k) investments. |
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Distributed: 2005-06-23 13:42:35 |
Word Count: 0 |
Page Views: 1146 |
Votes: 2 |
Rating: 0.50 |
| 17. |
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Ira Distributions Deadline For Seniors by Daniel Lamaute |
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IRA investors who reached age 70 ½ last year should begin taking
a Required Minimum Distribution (RMD) from their accounts by
April 1, this year to avoid being subject to a hefty 50% tax
penalty. |
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Distributed: 2005-02-15 01:52:27 |
Word Count: 0 |
Page Views: 1181 |
Votes: 2 |
Rating: 0.50 |
| 18. |
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A Simple Plan For A Start-Up Loan by Daniel Lamaute |
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When seeking money for their start-up business many entrepreneurs
are using a simple plan to get a loan from their own IRA or
401(k) assets. |
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Distributed: 2005-02-09 00:46:31 |
Word Count: 0 |
Page Views: 1247 |
Votes: 2 |
Rating: 0.50 |
| 19. |
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Small Business Tax Deductions for Year End 2004 by Daniel Lamaute |
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As a small business owner, it's wise to familiarize yourself
with some key deductions that may reduce your tax bill for 2004. |
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Distributed: 2004-12-08 01:24:30 |
Word Count: 0 |
Page Views: 1092 |
Votes: 2 |
Rating: 0.50 |
| 20. |
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Protecting the Tax Advantage of Your Deferred Compensation by Daniel Lamaute |
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The American Jobs Creation Act of 2004 imposed strict new rules
on non-qualified deferred compensation plans. Beginning in
2005, deferred compensation programs that are not in compliance
with the new rules may be taxed as wages, slapped with a 20\%
excise tax, plus charged an interest penalty. |
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Distributed: 2004-11-10 01:34:52 |
Word Count: 0 |
Page Views: 1891 |
Votes: 4 |
Rating: 0.75 |
| 21. |
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Rules of Simple IRA Your Business Needs to Know by Daniel Lamaute |
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A Savings Incentive Match Plan for Employees plan, better known
as a SIMPLE plan, is an IRA-based retirement plan available to
employers with fewer than 100 employees. |
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Distributed: 2004-11-02 03:12:44 |
Word Count: 0 |
Page Views: 1143 |
Votes: 2 |
Rating: 0.50 |
| 22. |
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Rules for Simplified Employee Pension Plans better known as a SEP Plans by Daniel Lamaute |
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A SEP is a special type of IRA. Under a SEP plan the employer
creates an IRA account for each eligible employee, hence the name
SEP-IRA. A SEP is funded solely with employer contributions.
Employees do not make contributions to their SEP-IRA retirement
account. Any money that goes into a SEP automatically belongs
to the employee. Thus, the employee has the right to take his
SEP IRA account money with him whenever he stops working for
the company. |
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Distributed: 2004-10-29 02:56:27 |
Word Count: 0 |
Page Views: 1220 |
Votes: 2 |
Rating: 0.50 |
| 23. |
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Seven Key Tax Deductions for the Self Employed by Daniel Lamaute |
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As a sole proprietor, it's wise to familiarize yourself with
the some key deductions that may reduce your tax bill for 2004.
Small-business consultants generally recommend that you hire an
accountant to prepare your tax returns, payroll and financial
statements. But you should also meet with your accountant well
before the year-end rush to discuss such matters as tax planning,
and record keeping for tax deductions. |
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Distributed: 2004-09-30 02:16:12 |
Word Count: 0 |
Page Views: 1985 |
Votes: 2 |
Rating: 0.50 |
| 24. |
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Your Employer is Going Bankrupt - What Happens to Your Pension Benefits? by Daniel Lamaute |
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What happens to your retirement benefits when your employer
faced with financial distress and bankruptcy decides to terminate
their pension plan? To gauge the potential risk to you of a plan
termination you first need to know what kind of plan you have
with your company. |
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Distributed: 2004-08-05 03:12:07 |
Word Count: 0 |
Page Views: 1303 |
Votes: 2 |
Rating: 0.00 |
| 25. |
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The Biggest Self-Employed Tax Deduction by Daniel Lamaute |
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In what may be the biggest tax deduction scheme around, some
self-employed individuals are sheltering as much as $165,000
or more per year with tax deductible contributions to their
retirement plans. Such high levels of deductions can be
legitimately achieved through the use of a defined benefit,
or DB, retirement plan. |
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Distributed: 2004-06-11 01:38:21 |
Word Count: 0 |
Page Views: 2256 |
Votes: 2 |
Rating: 0.50 |
| 26. |
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Health Savings Accounts for the Self-Employed by Daniel Lamaute |
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When Congress passed the Medicare reform bill in late 2003,
they created a new way for small businesses and individuals
to obtain affordable health insurance through health savings
accounts (HSAs). Also referred to as HealthCare IRAs, HSAs
combine a high-deductible health insurance policy with a
tax-exempt savings account. They are available to individuals
younger than 65. |
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Distributed: 2004-05-27 04:23:45 |
Word Count: 0 |
Page Views: 1588 |
Votes: 2 |
Rating: 0.50 |
| 27. |
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Small Business Loans That are Easier to Get by Daniel Lamaute |
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When it comes to small business loans the majority of banks and
financial institutions are out of step with the needs of the
small business owners. They insist on tying their business
loans to assets such as brick, mortar, and equipment. All the
while, they ignore the fact that going forward businesses with
the greatest potential for growth will be those whose real
assets consist of the ideas, knowledge, and vision of the owners
and employees. |
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Distributed: 2004-05-03 00:31:37 |
Word Count: 0 |
Page Views: 1230 |
Votes: 2 |
Rating: 0.50 |
| 28. |
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Last Ditch Money to Stop a Home Loan Foreclosure by Daniel Lamaute |
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Are you facing the prospect of losing your home in a bank
foreclosure? Many who are experiencing a temporary financial
squeeze will withdraw cash out of their IRA in order to save
their home. However, getting a loan from your retirement
account may be a smarter way to go than taking an IRA early
distribution. |
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Distributed: 2004-05-03 00:31:00 |
Word Count: 0 |
Page Views: 2422 |
Votes: 2 |
Rating: 0.50 |
| 29. |
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Penalty Free Money for College from Your IRA by Daniel Lamaute |
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Higher education is very important for landing lucrative jobs.
For many the challenge is finding the money for college. One
piece of good news is that if you use money from an IRA to pay
for education expenses the IRA account holder may qualify for
a tax break. |
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Distributed: 2004-05-03 00:14:30 |
Word Count: 0 |
Page Views: 2094 |
Votes: 2 |
Rating: 0.50 |
| 30. |
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Last Resort Money For Home or Business by Daniel Lamaute |
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Looking to pull money out of your IRA? Maybe you need the money
to grow your business, to buy a home, or to get you through a
financial bind. Well, before touching your nest egg you should
first learn about the ways to help protect your nest egg from
hefty taxes or penalties. |
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Distributed: 2004-05-03 00:13:49 |
Word Count: 0 |
Page Views: 1863 |
Votes: 2 |
Rating: 0.50 |
| 31. |
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The Language of Business by Daniel Lamaute |
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The language associated with starting a business is unique.
Using the correct business terms makes you look more
professional and helps others understand exactly what you are
trying to communicate to them. There are also important legal
reasons to use specific language when describing your business.
Here is a list of familiar (and not-so-familiar) terms that can
help you learn the language of business: |
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Distributed: 2004-05-03 00:13:08 |
Word Count: 0 |
Page Views: 2277 |
Votes: 2 |
Rating: 0.50 |
| 32. |
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Free People Search with the Help of the IRS by Daniel Lamaute |
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Few pieces of mail can get your attention as much as a letter
from the Internal Revenue Service. Even in these times of tax
refunds, you can't be sure if an envelope from the IRS brings
bad news or a check from Uncle Sam. Now comes a new twist, a
letter from the IRS may not be about your taxes at all. That*s
because the tax collector has offered to act as courier for
people looking to match unclaimed assets with their owners. |
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Distributed: 2004-05-02 23:58:32 |
Word Count: 0 |
Page Views: 2777 |
Votes: 2 |
Rating: 0.50 |
| 33. |
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Health Insurance for the Self Employed by Daniel Lamaute |
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Health insurance, having enough and being able to afford it, is
one of the most nagging concerns for those who leave corporate
America to run their own business. |
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Distributed: 2004-05-02 23:04:57 |
Word Count: 0 |
Page Views: 2648 |
Votes: 2 |
Rating: 0.50 |
| 34. |
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Interested In Being A Consultant? Here Are 5 Key Steps To Consider. by Daniel Lamaute |
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If you're thinking about hanging up your shingle as a
consultant, you probably already have most of what you'll
need. Odds are, you know the business, you have the skills
and experience, you know or have the certifications you'll
need, and you may have a good idea of where your first clients
will come from. The following steps can help you start on the
right track: |
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Distributed: 2004-05-02 23:01:43 |
Word Count: 0 |
Page Views: 1871 |
Votes: 2 |
Rating: 0.50 |
| 35. |
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Child Tax Credit Refunds by Daniel Lamaute |
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The Jobs and Growth Tax Relief Reconciliation Act of 2003
increased the maximum Child Tax Credit for 2003 and 2004 to
$1,000 per child, up from $600 for tax year 2002. |
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Distributed: 2004-05-02 22:51:37 |
Word Count: 0 |
Page Views: 1965 |
Votes: 2 |
Rating: 0.50 |
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