The document discusses various retirement planning strategies such as investing in stocks, bonds, mutual funds, IRAs and 401(k)s. It provides details on contribution limits for traditional and Roth IRAs and how much individuals can contribute each year depending on income and age. The effects of starting retirement savings early versus late are shown through hypothetical investment scenarios over 30 years with different annual returns.
This is a presentation I gave to my writing for the organization class. We were assigned to give an informative speech. I chose retirement because too many times its overly complicated and many young people cannot understand it.
Opportunities and Pitfalls:IRA, 401k, Roth IRA: Society of California Account...Harry Rubins
Harry Rubins, Financial Consultant with Foothill
Securities and Rubins Financial Strategies spoke to the Society of California Accountants North Bay Chapter 1/11/12. "Opportunities and Pitfalls:IRA, 401k, Roth IRA" for participants and beneficiaries. Please visit http://rubins401k.com/
Opportunities & Pitfallsfor InheritingIRA, 401k & Roth-IRA:Sonoma County B...Harry Rubins
Harry Rubins, Financial Consultant with Foothill
Securities and Rubins Financial Strategies spoke to Sonoma County Bar Association, Trusts and Estates Section 1/11/12. "Opportunities and Pitfalls:IRA, 401k, Roth IRA" for participants and beneficiaries. Please visit http://rubins401k.co25
This is a presentation I gave to my writing for the organization class. We were assigned to give an informative speech. I chose retirement because too many times its overly complicated and many young people cannot understand it.
Opportunities and Pitfalls:IRA, 401k, Roth IRA: Society of California Account...Harry Rubins
Harry Rubins, Financial Consultant with Foothill
Securities and Rubins Financial Strategies spoke to the Society of California Accountants North Bay Chapter 1/11/12. "Opportunities and Pitfalls:IRA, 401k, Roth IRA" for participants and beneficiaries. Please visit http://rubins401k.com/
Opportunities & Pitfallsfor InheritingIRA, 401k & Roth-IRA:Sonoma County B...Harry Rubins
Harry Rubins, Financial Consultant with Foothill
Securities and Rubins Financial Strategies spoke to Sonoma County Bar Association, Trusts and Estates Section 1/11/12. "Opportunities and Pitfalls:IRA, 401k, Roth IRA" for participants and beneficiaries. Please visit http://rubins401k.co25
USE FAMILY TRUSTS to income split, grow wealth & save taxes, shift income to children & use this tax-free income to pay for expenses of your dependent children or grandchildren; take advantage of CRA low prescribed loan rate of 1% before it goes up...
Information from a financial perspective for those who are being made or have already been made redundant. Actions they can take and the Options they have
Practical wealth management strategies for Health Care professionals looking to reduce taxes and maximize family estate using tax deferrals, income splitting, incorporation, insurance and Individual Pension Plans, among other strategies.
Hot off the press! Here's an updated tax table after yesterday's UK budget. If you want to talk about making the most of what's allowable, talk to a professional adviser.
2017 TORONTO Fall Event - Proposed Tax Reform: What You Need to Know (October...Nicola Wealth Management
On October 1, 2017, NWM hosted a group of clients at the Four Seasons Hotel Toronto to discuss Finance Minister Bill Morneau and the Canadian government's proposal for tax reform impacting the majority of Canadian business owners.
NWM President, David Sung, opened the evening with an overview of the proposed tax changes. He provided some context and asked the audience to consider the political undertone of the Liberal government's tax proposal and the way in which they have handled the public push-back.
John Nicola, Chairman & CEO, an overview of what the government is proposing exactly and the impact it will have. He went on to discuss some planning options available to Canadian business owners.
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A non-political, mathematical dive into the U.S. Budget gave me a clearer view of a key hidden cause, and the path toward a surprisingly easy fix. Here is what I found.
On January 10th, Auburn’s Center for the Study of Theological Education hosted a webinar for financial aid officers, admissions staff and student personnel at theological schools on the latest government regulations for income-based repayment plans for federal educational loans. This information will assist financial aid officers and others who counsel students and recent graduates in repayment options as they move into ministry.
USE FAMILY TRUSTS to income split, grow wealth & save taxes, shift income to children & use this tax-free income to pay for expenses of your dependent children or grandchildren; take advantage of CRA low prescribed loan rate of 1% before it goes up...
Information from a financial perspective for those who are being made or have already been made redundant. Actions they can take and the Options they have
Practical wealth management strategies for Health Care professionals looking to reduce taxes and maximize family estate using tax deferrals, income splitting, incorporation, insurance and Individual Pension Plans, among other strategies.
Hot off the press! Here's an updated tax table after yesterday's UK budget. If you want to talk about making the most of what's allowable, talk to a professional adviser.
2017 TORONTO Fall Event - Proposed Tax Reform: What You Need to Know (October...Nicola Wealth Management
On October 1, 2017, NWM hosted a group of clients at the Four Seasons Hotel Toronto to discuss Finance Minister Bill Morneau and the Canadian government's proposal for tax reform impacting the majority of Canadian business owners.
NWM President, David Sung, opened the evening with an overview of the proposed tax changes. He provided some context and asked the audience to consider the political undertone of the Liberal government's tax proposal and the way in which they have handled the public push-back.
John Nicola, Chairman & CEO, an overview of what the government is proposing exactly and the impact it will have. He went on to discuss some planning options available to Canadian business owners.
The perfect marketing solutions to:
· Improve brand awareness with prospective clients
· Add value and build further loyalty with existing clients
· Generate increased referral leads and sales opportunities
· Use to add regular changing content to your website
· Attract and retain higher volumes of website traffic
· E-mail to clients, prospects and professional introducers
· Improve your website SEO success from organic searches
· Use the content to set-up an e-news alert service
· Extend your marketing to smartphone and tablet technology
A non-political, mathematical dive into the U.S. Budget gave me a clearer view of a key hidden cause, and the path toward a surprisingly easy fix. Here is what I found.
On January 10th, Auburn’s Center for the Study of Theological Education hosted a webinar for financial aid officers, admissions staff and student personnel at theological schools on the latest government regulations for income-based repayment plans for federal educational loans. This information will assist financial aid officers and others who counsel students and recent graduates in repayment options as they move into ministry.
With the elimination of the personal exemption in 2018, some large families could experience increased state-level taxes. In states where families trend to larger sizes, such as Utah, the State Tax Commission anticipates tens-of-millions in surplus revenues as a result of the personal exemption elimination.
We want to help you manage your tax activities and simplify complex tax laws. We hope you’ll find that our 2014 Quick Tax Facts guide helps you do just that. This handy guide compiles frequently changing tax information applicable to most businesses and households.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
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how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
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how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
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 telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
2. Even low inflation takes its toll
Value of $50,000 salary adjusted for inflation at 3% per year
$250,000
$219,195
$200,000
$163,102
$150,000
$121,363
$90,306
$100,000
$50,000
$50,000
$0
35 55 65 75 85
Age
3. Social Security is only one part
of the picture
3%
Social Security
18% Earnings
38% Investment income
Pensions
Other
18%
23%
Source: Social Security Administration
4. An early start can make a big difference
$250,000
$218,769
$200,000
$150,000
$148,269
$100,000
$50,000
$0
0 5 10 15 20 25 30
$3,000 invested annually in years 1–10
$3,000 invested annually in years 11–30
This is a hypothetical scenario assuming an 8% annual return and does not represent any particular investment.
5. Contribution limits are rising
Maximum IRA
Maximum IRA
contribution for
Tax year contribution for taxpayers
taxpayers under
age 50 or older1
age 501
2002–2004 $3,000 $3,500
2005 $4,000 $4,500
2006–2007 $4,000 $5,000
2008 and after $5,000 $6,000
1 Investors making less than these limits in annual compensation can contribute up to as much as they earn.
6. Tax advantages increase earning potential
$400,000
$367,038
$350,000
$300,000
$244,067
$250,000
$200,000
$148,269
$150,000
$114,812
$100,000
$41,539 $46,936
$50,000
$0
After 10 years After 20 years After 30 years
Taxable Tax-advantaged
Assumes a fixed rate of return of 8% annually and a 27% tax bracket, with $3,000 annual contributions. It does not
represent any particular investment.
7. IRA options at a glance
Traditional IRA Roth IRA
Deductible contributions that reduce taxable Yes, subject to income No
income limits and other conditions
High income may limit eligibility to contribute No Yes
Tax-advantaged accumulation Yes Yes
Tax-free qualified withdrawals of earnings1 No Yes
Tax-free and penalty-free contribution No Yes
withdrawals at any time
Penalty-free withdrawals for qualified higher Yes Yes
education expenses
Penalty-free withdrawals prior to age 59½ in the
case of death or disability, to meet certain Yes Yes2
deductible medical expenses, or for a first home
purchase (subject to a $10,000 lifetime limit)
Age limit for making contributions Age 70½ None
Required withdrawals after age 70½ Yes No
Withdrawals after age 59½ taxed as Yes No
ordinary income
1 Eligible withdrawals of earnings can be made at attainment of age 59½, and in the case of death or disability or the
purchase of a first home ($10,000 lifetime credit).
2 Amounts not held in the account for at least five years may be taxable.
8. Deductibility of Traditional IRA
contributions for 2002
Married, filing jointly
Spouse doesn’t
Spouse participates in participate in a plan
Single a plan at work at work
You You don’t You You don’t You You don’t
Modified adjusted participate participate participate participate participate participate
gross income in a plan in a plan in a plan in a plan in a plan in a plan
(MAGI) at work at work at work at work at work at work
Less than $34,000 Full Full Full Full Full Full
$34,000 – $43,999 Partial Full Full Full Full Full
$44,000 – $53,999 None Full Full Full Full Full
$54,000 – $63,999 None Full Partial Full Partial Full
$64,000 – $149,999 None Full None Full None Full
$150,000 – $159,999 None Full None Partial None Full
$160,000 or more None Full None None None Full
9. Traditional IRAs for nonworking spouses
for 2002
In cases where: The couple may contribute the lesser of:
The couple’s compensation or $6,000
Neither spouse is age 50 or older ($3000 each)
The couple’s compensation or $6,500
One spouse is age 50 or older ($3,000/$3,500)
The couple’s compensation or $7,000
Both spouses are age 50 or older ($3,500 each)
In some cases, the nonworking spouse may qualify for full or partial deductions:
Working spouse
Working spouse does not participate
Modified adjusted participates in a in a retirement plan
gross income (MAGI) retirement plan at work at work
Less than $54,000 Full deduction Full deduction
$54,000 – $63,999 Partial deduction Full deduction
$64,000 – $149,999 No deduction Full deduction
$150,000 – $159,999 No deduction Partial deduction
$160,000 or more No deduction No deduction
10. Roth IRA vs. a taxable investment
$250,000
$236,863
$200,000
$150,000
$170,331
$100,000
$50,000
$0
35 60 66 72
Age
Growth and withdrawals, Roth IRA
Growth and withdrawals, taxable account
The chart assumes a $3,000 annual investment from age 35 to 60; 8% annual return during both investment and
withdrawal years; a 27% tax bracket; and withdrawals of $2,500 per month beginning at age 60. It does not represent
any particular investment.
11. Roth IRA eligibility and contribution limits
Modified adjusted
gross income (MAGI) Single taxpayer Married, filing jointly
Less than $95,000 Full contribution Full contribution
$95,000 – $109,999 Partial contribution Full contribution
$110,000 – $149,999 No contribution Full contribution
$150,000 – $159,999 No contribution Partial contribution
$160,000 or more No contribution No contribution
12. Roll over retirement contributions
Direct rollover Indirect rollover Cash distribution
$7,500
$10,000
$5,000
$50,000
$40,000
$10,000 $27,500
Amount investor can put to work
20% mandatory tax withholding
10% penalty
Other taxes
13. Go for growth
Growth of $10,000 investment, 9/30/82–9/30/02
$250,000
$119,181
$200,000
$150,000
$100,000
$63,379
$50,000
$33,580
$0
9/82 9/84 9/86 9/88 9/90 9/92 9/94 9/96 9/98 9/00 9/02
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