Don’t want to get “taken” on a low dealer trade-in, consider donating that older model car to your favorite charity. Want help getting a fair market value on your car, call us.
Strategic diversification can add value to your portfolio. If you do not have any of these different types of asset classes, you should ask your investment person why. If they do not have a good reason, you may want to seek a different adviser....
Don’t want to get “taken” on a low dealer trade-in, consider donating that older model car to your favorite charity. Want help getting a fair market value on your car, call us.
Strategic diversification can add value to your portfolio. If you do not have any of these different types of asset classes, you should ask your investment person why. If they do not have a good reason, you may want to seek a different adviser....
So which mortgage is the right one for you? Wait for it…it depends! You know life is too complex for an easy rule of thumb. You should seek the advice of a qualified financial planner who does this kind of scenario all the time. The second thing you could do is give us a call..
Bonds, Interest rates, and the Impact of InflationDolf Dunn
Bonds have had their 30+ year bull run, now it is time to pay close attention to the bonds you own. For decades, most people’s bond portfolios were just on autopilot, this will get you hurt going forward. Please read on..
A Woman's Guide to Health Care in RetirementDolf Dunn
Health care in retirement can be one of the largest expense items for people, especially women. It is crucial you plan on these costs in your retirement budget. Need help? Give us a call.
Women live 5 years longer, on average, than men. Planning your own retirement is crucial to living the life you want to live.... the way you want to live it. Call us, let's talk.
Women can't afford to avoid investing, but they don't have to do it alone either. Do your due dilligence on selecting a financial advisor who actually has additional credentials beyond just being licensed to sell you an investment. Ask the advisor how long they have been in the business, and what have they done to become a better advisor since they started. Just because someone has been in the business 15 years, doesn't mean they haven't simply repeated the first year 14 other times!
Focus on things that matter and that you can control! I offer this letter up for information purposes only, not to pretend that you or I have any control over what happens (or doesn't happen) in Washington. Staying focused on your financial plan is key to working towards your goals.
Bonds, Interest rates, and the Impact of InflationDolf Dunn
Since May, interest rates on bonds have drifted upwards and values have declined. Investing in bonds can no longer be left on auto-pilot. Please read on...
Changing Jobs? Take Your 401(k) and ... Roll It!Dolf Dunn
If you have recently lost your job, or are changing jobs, you may be wondering what to do with your 401(k) plan account. It is important to understand your options
Health-Care Reform: Replacing Myths with FactsDolf Dunn
Emotions and financial decisions rarely ever go well together, so it is critical to understand how (if any) the new health care program will affect you and your family.
Women, in Estate Planning, You Are the Last ResortDolf Dunn
Because women usually outlive their male counterparts by an average of almost 5 years, making sure both you and your husband's estate documents are completed is crucial. I truly believe if you love someone, you will deal with your own mortality and get your estate documents completed! It is not about you, it is about the people you love most.
Common Factors Affecting Retirement IncomeDolf Dunn
People have two very distinct investment periods in their lives, Accumulation and Distribution. Brokers are paid in the accumulation phase, not so much in the distribution phase. Fee-based Financial Planners, like myself, are paid along the way to give our clients great advice in both phases of their lives. Distribution phase is the more difficult of the two to get right. If you do not do proper planning, one risks running out of money before your last breathe. Not to be entrusted to amateurs. I can help, please give me a call.
The Retirement Income Gender Gap -- Dealing with the ShortfallDolf Dunn
Are you facing a retirement income gap? Have you ever heard the saying what you don't know can't hurt you? "There is no shame in not knowing, the shame lies in not finding out" ~ Russian Proverb. It is never too soon to start planning your retirement income strategy. I can help, please read on, your retirement may depend on it.
Understanding what you can legally contribute towards your retirement savings is important, but it is the easy part. Saving into your retirement plans up to the max each year is the hard part. It requires financial discipline now to avoid regret later! Please read on...
Keep this handy Individual Income Tax chart to help quickly discover the changes from 2012 to 2013 as a result of "The American Taxpayer Relief Act of 2012." You have to love how Congress names their legislation.
Ignore LTC Planning at the Risk of Your Own Financial Peril.Dolf Dunn
This whole area of extended healthcare in retirement is so important to get right that I went and earned my CLTC designation. This area of your financial planning needs to be lead by someone who actually knows the subject matter. What is the difference between LTC planning and the Fiscal Cliff? You have great control over how you deal with LTC planning whereas you have no real say in what was decided by congress and the president last week.
Alert! Social Security is not enough to live on by itself. Monthly Social Security payments account for 25-30% of a person's total income in retirement. It was never intended to be the only source of income. there is an old saying "if it is meant to be, it is up to me". Saving for one's retirement is not a nice to do, but it is a MUST DO! If you have any further questions on which retirement plan might be best for you to set up, just give me a call to discuss.
Dolf Dunn analyzes the events that took place in the market for the first half of 2012. Hear his ideas on how those events, and others, may unfold and possibly impact the remainder of the year.
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
So which mortgage is the right one for you? Wait for it…it depends! You know life is too complex for an easy rule of thumb. You should seek the advice of a qualified financial planner who does this kind of scenario all the time. The second thing you could do is give us a call..
Bonds, Interest rates, and the Impact of InflationDolf Dunn
Bonds have had their 30+ year bull run, now it is time to pay close attention to the bonds you own. For decades, most people’s bond portfolios were just on autopilot, this will get you hurt going forward. Please read on..
A Woman's Guide to Health Care in RetirementDolf Dunn
Health care in retirement can be one of the largest expense items for people, especially women. It is crucial you plan on these costs in your retirement budget. Need help? Give us a call.
Women live 5 years longer, on average, than men. Planning your own retirement is crucial to living the life you want to live.... the way you want to live it. Call us, let's talk.
Women can't afford to avoid investing, but they don't have to do it alone either. Do your due dilligence on selecting a financial advisor who actually has additional credentials beyond just being licensed to sell you an investment. Ask the advisor how long they have been in the business, and what have they done to become a better advisor since they started. Just because someone has been in the business 15 years, doesn't mean they haven't simply repeated the first year 14 other times!
Focus on things that matter and that you can control! I offer this letter up for information purposes only, not to pretend that you or I have any control over what happens (or doesn't happen) in Washington. Staying focused on your financial plan is key to working towards your goals.
Bonds, Interest rates, and the Impact of InflationDolf Dunn
Since May, interest rates on bonds have drifted upwards and values have declined. Investing in bonds can no longer be left on auto-pilot. Please read on...
Changing Jobs? Take Your 401(k) and ... Roll It!Dolf Dunn
If you have recently lost your job, or are changing jobs, you may be wondering what to do with your 401(k) plan account. It is important to understand your options
Health-Care Reform: Replacing Myths with FactsDolf Dunn
Emotions and financial decisions rarely ever go well together, so it is critical to understand how (if any) the new health care program will affect you and your family.
Women, in Estate Planning, You Are the Last ResortDolf Dunn
Because women usually outlive their male counterparts by an average of almost 5 years, making sure both you and your husband's estate documents are completed is crucial. I truly believe if you love someone, you will deal with your own mortality and get your estate documents completed! It is not about you, it is about the people you love most.
Common Factors Affecting Retirement IncomeDolf Dunn
People have two very distinct investment periods in their lives, Accumulation and Distribution. Brokers are paid in the accumulation phase, not so much in the distribution phase. Fee-based Financial Planners, like myself, are paid along the way to give our clients great advice in both phases of their lives. Distribution phase is the more difficult of the two to get right. If you do not do proper planning, one risks running out of money before your last breathe. Not to be entrusted to amateurs. I can help, please give me a call.
The Retirement Income Gender Gap -- Dealing with the ShortfallDolf Dunn
Are you facing a retirement income gap? Have you ever heard the saying what you don't know can't hurt you? "There is no shame in not knowing, the shame lies in not finding out" ~ Russian Proverb. It is never too soon to start planning your retirement income strategy. I can help, please read on, your retirement may depend on it.
Understanding what you can legally contribute towards your retirement savings is important, but it is the easy part. Saving into your retirement plans up to the max each year is the hard part. It requires financial discipline now to avoid regret later! Please read on...
Keep this handy Individual Income Tax chart to help quickly discover the changes from 2012 to 2013 as a result of "The American Taxpayer Relief Act of 2012." You have to love how Congress names their legislation.
Ignore LTC Planning at the Risk of Your Own Financial Peril.Dolf Dunn
This whole area of extended healthcare in retirement is so important to get right that I went and earned my CLTC designation. This area of your financial planning needs to be lead by someone who actually knows the subject matter. What is the difference between LTC planning and the Fiscal Cliff? You have great control over how you deal with LTC planning whereas you have no real say in what was decided by congress and the president last week.
Alert! Social Security is not enough to live on by itself. Monthly Social Security payments account for 25-30% of a person's total income in retirement. It was never intended to be the only source of income. there is an old saying "if it is meant to be, it is up to me". Saving for one's retirement is not a nice to do, but it is a MUST DO! If you have any further questions on which retirement plan might be best for you to set up, just give me a call to discuss.
Dolf Dunn analyzes the events that took place in the market for the first half of 2012. Hear his ideas on how those events, and others, may unfold and possibly impact the remainder of the year.
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
2. Elemental Economics - Mineral demand.pdfNeal Brewster
After this second you should be able to: Explain the main determinants of demand for any mineral product, and their relative importance; recognise and explain how demand for any product is likely to change with economic activity; recognise and explain the roles of technology and relative prices in influencing demand; be able to explain the differences between the rates of growth of demand for different products.
1. Elemental Economics - Introduction to mining.pdfNeal Brewster
After this first you should: Understand the nature of mining; have an awareness of the industry’s boundaries, corporate structure and size; appreciation the complex motivations and objectives of the industries’ various participants; know how mineral reserves are defined and estimated, and how they evolve over time.
Abhay Bhutada Leads Poonawalla Fincorp To Record Low NPA And Unprecedented Gr...Vighnesh Shashtri
Under the leadership of Abhay Bhutada, Poonawalla Fincorp has achieved record-low Non-Performing Assets (NPA) and witnessed unprecedented growth. Bhutada's strategic vision and effective management have significantly enhanced the company's financial health, showcasing a robust performance in the financial sector. This achievement underscores the company's resilience and ability to thrive in a competitive market, setting a new benchmark for operational excellence in the industry.
Seminar: Gender Board Diversity through Ownership NetworksGRAPE
Seminar on gender diversity spillovers through ownership networks at FAME|GRAPE. Presenting novel research. Studies in economics and management using econometrics methods.
Yes of course, you can easily start mining pi network coin today and sell to legit pi vendors in the United States.
Here the what'sapp contact of my personal vendor.
+12349014282
#pi network #pi coins #legit #passive income
#US
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the what'sapp contact of my personal pi merchant to trade with.
+12349014282
The WhatsPump Pseudonym Problem and the Hilarious Downfall of Artificial Enga...
Funding Your Future With a Fixed Annuity
1. Dolf Dunn Wealth Management, LLC
Dolf Dunn, CPA/PFS,CFP®,CPWA®,CDFA
Private Wealth Manager
11330 Vanstory Drive
Suite 101
Huntersville, NC 28078
704-897-0482
dolf@dolfdunn.com
www.dolfdunn.com
Funding Your Future with a Fixed Annuity
September 03, 2013
A fixed annuity is a contract between you and an
annuity issuer, usually an insurance company. In its
simplest form, you pay money to the annuity issuer;
the issuer invests the funds and pays the principal
and its earnings back to you or to your named
beneficiary. What's fixed about a fixed annuity? The
issuer guarantees (subject to its claims-paying ability)
a minimum rate of interest on your investment and a
fixed benefit amount if you elect to annuitize.
When is an annuity appropriate?
Annuity contributions are made with after-tax dollars
and are not tax deductible. That's why it's often
advisable to fund other retirement plans first.
However, if you've already contributed the maximum
allowable amount to other plans and want to save
more toward your retirement, an annuity can be an
excellent choice. There's no limit to how much you
can invest in an annuity, and the funds grow tax
deferred until you begin taking distributions.
Once you begin withdrawing from your annuity, you'll
pay taxes (at your regular income tax rate) only on
the earnings, since your contributions to principal
were made with after-tax dollars. Like a qualified
retirement plan, a 10% tax penalty may be imposed if
you withdraw from an annuity before age 59½.
Annuities are designed to be very-long-term
investment vehicles. In most cases, if you take a
withdrawal, including a lump-sum distribution of your
annuity funds within the first few years after
purchasing your annuity, you may be subject to
surrender charges imposed by the issuer. However,
many companies allow options for withdrawals or
distributions without incurring a charge. As long as
you're sure you won't need the money until at least
age 59½ and you understand the costs (including
fees) involved, an annuity is worth considering.
Two distinct phases to an annuity
There are two distinct phases to an annuity contract:
the accumulation phase and the distribution phase.
In the accumulation phase, you're putting money into
the annuity. You can choose to pay your premiums in
one lump sum, or you can make a series of payments
over time. These payments can be of equal amounts
made at equal intervals, or of variable amounts at
irregular intervals, depending on the terms of the
contract.
Annuities may be either immediate or deferred; the
terms simply refer to when the distribution phase
begins. Immediate annuities are typically purchased
with a single payment and the distribution phase
usually begins within a year of the purchase. While
deferred annuities may be purchased with a single
lump sum premium payment, they are most often
purchased with a series of periodic payments. The
distribution period is deferred until some time in the
future.
In the distribution phase, you begin taking money out
of the annuity. You may withdraw some or all of the
money in lump sums, or you may annuitize. Subject
to the claims-paying ability of the issuer, annuitization
provides a guaranteed income stream for either a
specified period or for life.
Why buy an annuity?
• To provide income to supplement what you
receive from Social Security, pension plans,
and other employer-sponsored retirement
plans.
• To create a lifetime income stream.
• To maintain financial independence. For
example, you can use annuity funds to pay for
long-term care expenses and stay in your own
home, rather than rely on your children for care.
• To invest for any specific purpose or long-term
goal, such as providing a legacy for your heirs
or making a charitable gift.
• To grow funds on a tax-deferred basis.
Page 1 of 2, see disclaimer on final page
2. Prepared by Broadridge Investor Communication Solutions, Inc. Copyright 2013
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any
individual. To determine which investment(s) may be appropriate for you, consult your financial advisor prior to investing. All performance
referenced is historical and is no guarantee of future results. All indices are unmanaged and cannot be invested into directly.
The tax information provided is not intended to be a substitute for specific individualized tax planning advice. We suggest that you consult with a
qualified tax advisor.
Securities offered through LPL Financial, Member FINRA/SIPC
How a Fixed Deferred Annuity Works
1. In the accumulation phase, you (the annuity
owner) send your premium payment(s) (all at once
or over time) to the annuity issuer. These
payments are made with after-tax funds, and you
may invest an unlimited amount.
2. The annuity issuer places your funds in its general
account.* Your annuity contract specifies how your
principal will be returned as well as what rate(s) of
interest you'll earn during the accumulation phase.
Your contract will also state what minimum interest
rate applies.**
3. The compounding interest on your annuity
accumulates tax deferred. You won't be taxed on
these earnings until funds are withdrawn or
distributed.
4. The issuer may collect fees to manage your
annuity account. You may also have to pay the
issuer a surrender fee if you withdraw money in
the early years of your annuity.
5. Your annuity contract may contain a guaranteed**
death benefit or other provisions for a payout upon
the death of the annuitant. (The annuitant provides
the measuring life used to determine the amount of
the payments if the annuity is annuitized. As the
annuity owner, you're most often also the
annuitant, although you don't have to be.)
6. If you make a withdrawal from your deferred
annuity before you reach age 59½, you'll not only
have to pay tax (at your ordinary income tax rate)
on the earnings portion of the withdrawal, but you
may also have to pay a 10 percent premature
distribution tax, unless an exception applies.
7. After age 59½, you may make withdrawals from
your annuity without incurring any premature
distribution tax. Since annuities have no minimum
distribution requirements, you don't have to make
any withdrawals. You can let the account grow tax
deferred for an indefinite period. However, your
annuity contract may specifiy an age at which you
must begin taking income payments.
8. To obtain a guaranteed** fixed income stream for
life or for a certain number of years, you could
annuitize which means exchanging the annuity's
cash value for a series of periodic income
payments. The amount of these payments will
depend on a number of factors including the cash
value of your account at the time of annuitization,
the age(s) and gender(s) of the annuitant(s), and
the payout option chosen. Usually, you can't
change the payments once you've begun receiving
them.
9. You'll have to pay taxes (at your ordinary income
tax rate) on the earnings portion of any
withdrawals or annuitization payments you receive.
* These funds are invested as part of the general
assets of the issuer and are therefore subject to the
claims of its creditors.
** All guarantees are subject to the claims-paying
ability of the issuing company.
Page 2 of 2