 Life insurance question.? |
| can your family collect it if someone commits suicide. for instance,when i shoot myself in the head and die,will my family get anything for it? honest answers only.... |
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 Adding "step-children" to insurance policy? |
| i have a daughter from a previous relationship who is 7. I just recently had my second child, who is 4 weeks old. Her father is adding her to his insurance and we were wondering if he can add my ... |
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 Is it her own fault? |
| During the hosepipe ban, my mother has been struggling round the flowers with a two gallon watering can and it's pulled her tripes out. Can she sue the water company?... |
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 Pregnant with no health insurance? |
| My homegirl is pregnant and this retard just told me she has no health insurance and hasn't been to see a doctor. She is 12 weeks pregnant. She does have a job, but only makes 12.00 and says she ... |
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 Help! about getting into a health insurance? |
Hi. I have a problem with my intestine and the doctor said that i needed an insurance in order to look into my intestine by an exam because it will cost too much.
So, to get an insurance, would ... |
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 Other than building insurance and car insurance is it worth having any other insurance? |
in this throw away culture we live in. I mean the access you have to pay is almost as much as going out and buying new?
My husband ACCIDENTLY dropped our expensive TV and we have been ... |
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 Will my car insurance payment get there on time? |
| I mailed my payment today and it's due 12:01am, Sunday, 9/16, Philadelphia. Do you think it'll get there on time? What if the office is closed on Saturday?... |
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 Is car insurance in uk one big fraud ? Was your car insurer ok when u made a claim ? |
i know that the cheapest one is tesco, i know there is confused.com etc, but the cheapest is not the best, i need reliable insurer
i read scary reviews on car insurers in uk(www.dooyoo.co.... |
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| What is that thing mean in those life insurance commercials? |
| They keep saying your benefits will never decrease and your premium never increase?... |
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| Looking for health insurance? |
| i have just been removed from my dad's insurance. i am a 19 year old student and i am attending hair school. i am un-employed at the moment, but i am looking for a job. he says that they are ... |
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 I just got my insurance check with my name and the body shop name on it, do i have to get it fix? |
Additional Details
most of the hail damage already pop out because its been 6 months since i file that claim and now just got my check and i don't want to ruin my paint trying to ... |
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| If you have life insuance...........? |
| and you were struck by lightning or another 'act of god' was the cause of your death would your loved ones still be able to claim the insurance... i ask this as you can't on your ... |
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 A question about insurance? |
| i am 19 and not married, have no kids and not in school. i work 35-38 hours a week but at my job u have to work 40 to get insurance & they will not let me work 40. i live in ohio and was ... |
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 Grandmother won't give me life insurance money my father left me 15 years ago......? |
| My father passed away when I was 9. He supposedly left 60K life insurance to me, which I had to wait til I was 25 to receive. It was supposed to be handled by my grandmother until I was of age. When I... |
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 Life cover vs Accidental death cover? |
Hi,
I am a 30 year old guy, who is thinking of taking an insurance cover against any premature death. I am unable to make up my mind here, which one is better? the life cover or the ... |
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B.BR. | What are the basic things a person must do to retire well? |
What are the things needed to be done by a person who've just started his career, in order to secure a good retirement?
How much to save, what kind of insurance to follow, taxes to be paid, what must he do? Any suggestions? |
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Wendy H
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A pension is going to be the biggest problem when your older. The younger you are when you start the better.
Lots of schemes are closing the door on new members and final salary pay schemes are becoming hard to find.
Yes property is a good investment, but many older people are being forced to sell their homes in order to pay for the costs of care home fees in their old age, so they are penalised for being prudent and paying a massive mortgage in relation to council house owners who wont get hit with a bill.
Pension as soon as you can, afford one and hope you live long enough to enjoy the benefits. |
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shambling
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All of the above apply to some degree or another and should be taken into account (no pun intended).
But in addition stay active and healthy - don't spend all your time worrying (which is different from being prudent and or cautious) - it is possible to worry yourself to death - then you'll never make retirement. |
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charleslvjy
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Make sure you have lots of $$$ coming in for the future expenses-not just for now at today's prices. |
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robert j
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Ok , I am at retirement age now made a lot of mistakes when I was young . Start a savings plan, and start a 401 K as soon as you can put in the max amount. From the start that way you will not mis the money. ..Save save when your young
In life you need ..shelter, food and a hot shower . Other than that you want ever thing else . drive your car longer, do you really need that game or cd? Plan ahead if you save just 20.00 a week ....that is over a million at 65 . Cut corners where you can ....I thought I did good saving but medication , food , rent high cost of gas .....I barely make it ......good luck |
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MSAD
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If your employer offers a 401K- participate in it. At the very least up to the employer match. If you don't you are leaving free money on the table.
If you don't have a 401K - then look to setting up an IRA with a low cost brokerage firm - such as Vanguard.
There are 2 main types of IRA you can do. A Traditional IRA and a Roth. With a Traditional IRA you pay taxes on the money when you take it out (at retirement). But you can deduct your contributions on your taxes now... and lower your taxable income. With a Roth, you pay taxes on it now- and not when you take it out at retirement. There are limits on how much you can contribute to a Roth.
How much to contribute/save depends on your situation. Getting started early is a big key to it.
Keep your debts low. It does not do you any good to have money in a 401K and thousands of dollars in credit card debt. Especially now when returns on investments are low. Why pay 12% interest on a credit card when you are only getting 5% on your investment?
So, if you have debt -- especially credit card debts - go into the 401K up to the match and really focus on getting rid of your debt. Once the debt is paid off, then increase your retirement savings.
Also, save up an emergency fund. Suze Orman recommends having 8 months salary in savings. That way, should you lose your job, you have 8 months worth of money to keep your bills paid.
In the end, the key to retirement planning comes down to two things-- starting early and saving.
No fancy tricks to it.
You may want to catch Suze Orman's show on CNBC -- she gets a lot of questions about debt and retirement and gives good advice in an easy to understand way.
I think she may have retirement calculators on her web site as well. |
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jim_merrick
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Contribute the 401K upto the match. Contribute the max per year to the Roth IRA. Saving is important, but also what investments exist in your 401K is important too. If your investments are in 2 or 3 funds and they bad years you could lose 1/3, 2/3 or most of your saved funds. It is harder to recover saved funds that have lost money because now your money has to work twice as hard. Diversify your investments. If after your company pays its match you roll the balance to an annuity and continue contributing to the 401K you can achieve diversification and maximize returns. |
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Aless
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I have the same worries. |
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Pat D
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Invest in UKproperty as I did retired at 62 paid cash for appartment in Spain......10 mins off coast in costa del sol .....can easly live off euros 1000 .00 a month what a life |
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