Retirement Planning

How to Calculate Retirement Expenses

How to Calculate Retirement Expenses
A key to any successful retirement plan is determining your retirement expenses. After all, how will you know how much to save if you do not know how much you will need? Calculating retirement expenses is more of an art than a science, as it involves

How to Transfer IRA Money to Another Institution Without Paying Taxes

How to Transfer IRA Money to Another Institution Without Paying Taxes
Transferring funds in an IRA directly from one financial institution to another is a tax-free transaction known as a trustee-to-trustee transfer. There is no distribution to the owner of the IRA. However, a rollover is a distribution of funds from an

How to Calculate Malaysia EPF

How to Calculate Malaysia EPF
EPF, or Employees Provident Fund, is a Malaysian agency that is controlled by the Ministry of Finance. It manages the retirement savings plan for Malaysia's private and non-pensionable public sector employees. The EPF had 12.7 million members as of t

How to Find 401K Money Owed to You

How to Find 401K Money Owed to You
People might change jobs and relocate several times over their lifetime. Unfortunately, if a person had a retirement plan or 401(k) with a company, he or she might have neglected to roll over the fund into a new employer's 401(k) plan or individual r

How to File for a Husband's Pension

How to File for a Husband's Pension
Losing your husband can be a traumatic time. However, you are likely entitled to his pension benefits. A pension plan is a retirement plan your husband's employer paid for when he was working for the company. The pension offered a beneficiary payment

How to Find the Best Roth IRA

How to Find the Best Roth IRA
A Roth IRA is not an investment, but rather a way your investment is taxed. Contributions to a Roth IRA are not tax deductible. Your savings grow tax free, and under certain restrictions, withdrawals are tax free. Roth IRAs are best if you earn less

How to Transfer an Annuity Into an IRA

How to Transfer an Annuity Into an IRA
An annuity and an IRA are both vehicles that investors can use to save for retirement. Both are given tax-deferred status by the IRS so long as account holders follow the regulations for contributions and distributions of the accounts. It can be conf

How to Choose a Retirement Location

How to Choose a Retirement Location
Whether the picture is of is a leisurely round of golf, volunteering at an art museum, starting a business or finally writing that book, everyone sees retirement a little bit differently. Your retirement location should fit your picture of retirement

How to Learn if You are Eligible for Social Security Benefits and Apply for Benefits

How to Learn if You are Eligible for Social Security Benefits and Apply for Benefits
Through the Social Security Administration's website, you can complete an application to determine your eligibility for Social Security benefits. You can qualify at any age. Having a disability, responsibility for a disabled child or other qualificat

How to Get Your Company to Release Your 401(k) Funds

How to Get Your Company to Release Your 401(k) Funds
If you need access to 401k assets, but are still working for your employer, there are two ways to get 401k assets released: distribution or loan. If you aren't yet 59 1/2 years old, distributions are early distributions. The income for the year inclu

How to Cash Out an IRA

How to Cash Out an IRA
Unlike employer-sponsored plans, such as 401(k)s or 403(b)s, you are permitted to cash out your individual retirement account whenever you want. However, if you cash out before you turn 59 1/2, you will owe income tax on the money withdrawn and a pen

How to Win a Disability Appeal

How to Win a Disability Appeal
Applying for Social Security disability does not mean that you are guaranteed to get it upon your initial attempt. Many people are turned down the first time they apply for these benefits. For that reason, it is necessary to file an appeal in order t

How to Calculate a Roth Ira Account

How to Calculate a Roth Ira Account
A Roth IRA account is a tax-free retirement investment savings account; the Roth IRA also protects all earnings incurred on the account to be sheltered or free from tax deductions. A Roth IRA is a tax-free growth account that will prove to be a great

How to Determine a Maximum 401(k) Contribution

How to Determine a Maximum 401(k) Contribution
When you're actively planning your retirement, you want to invest as much in your 401(k) plan as you can afford - and as much as the government allows. Here's how to determine your maximum 401(k) contribution.Find out what limits your employer has pl

How to Collect Spousal Social Security Benefits

How to Collect Spousal Social Security Benefits
Social Security offers retirement and disability benefits for workers who have paid in to the system through payroll taxes. A non-working spouse also may qualify for benefits based on the worker's record. Spouses must meet eligibility guidelines, and

How to Live Off Dividends in Retirement

How to Live Off Dividends in Retirement
Saving for a comfortable retirement can be a real challenge, and so can living off of your investment income once you finally do retire. One way to enhance your retirement income is to invest in dividend paying stocks and mutual funds. Depending on t

How to Move Funds From One IRA to Another

How to Move Funds From One IRA to Another
Transferring or rolling over funds from one IRA account to another isn't difficult. All you need to do is complete a request form and give it to your current IRA account provider. The Internal Revenue Service does not impose any penalties when you ex

How to Bury an Urn

How to Bury an Urn
When a loved one passes on, you need to make several tough decisions. First you need to decide if your loved one preferred to be buried in a coffin or cremated and buried in an urn. You can then discuss with your family where to bury the urn. There a

How to Calculate National Guard Retirement

How to Calculate National Guard Retirement
Members of the National Guard who are credited withat least 20 yearsof service are entitled to retirement pay. The service doesn't have to be continuous as long as the cumulative total reaches the 20-year minimum. Members can start collectingNational

How to Calculate Illinois State Retirement

How to Calculate Illinois State Retirement
The state of Illinois offers its employees retirement benefits under the State Employees' Retirement System (SERS). A member of SERS may retire when his age plus years of service equal 85; between the ages of 55 to 60 with at least 25 years of servic
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