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1 - 10 of 12

Friday, October 28, 2016 - # 1. -6 common but illegal money habits that can get you in big trouble

    Signing someone else's name on a check Signing a check in another person's name is generally considered forgery and would violate the law in most countries. But suppose you sign an elderly parent's name because the parent is incapacitated, or you sign your child's name because the kid is away at college. Guess what? Those signatures are still forgeries, unless a power of attorney is in effect. "In most cases, it's on behalf of a loved one who probably isn't going to object, but people ...

posted in English at Fri, 28 Oct 2016 19:46:14 +0000



Wednesday, October 26, 2016 - 6 common but illegal money habits that can get you in big trouble

    6 money habits that are illegal     Let's assume you're a nice, honest person. You would never, ever contemplate committing a serious financial crime like forgery, counterfeiting or loan fraud. But it can be surprisingly easy to find yourself breaking the law by adopting a dicey financial practice that seems innocent. You tell yourself, "Everybody does it," "I was just trying to help," or, "It seemed like a good idea at the time." The odds of getting caught might seem slim, but the ...

posted in English at Wed, 26 Oct 2016 19:38:44 +0000



Wednesday, October 26, 2016 - # 7. -How to avoid going broke in retirement- STEPS TO RETIREMENT SUCCESS-getting from here to there

    DON'T CONFUSE ELIGIBILITY WITH ABILITY     To get a better idea about Americans' retirement preparedness, the Employee Benefit Research Institute, or EBRI, has been surveying individuals on their retirement confidence annually for more than 20 years. And one of its findings is that people consistently don't take the first step to avoid running out of money in retirement. Dallas Salisbury, EBRI's resident fellow and president emeritus, says that, surprisingly enough, less than 40% of the ... Full Article...

posted in English at Wed, 26 Oct 2016 00:03:45 +0000



Monday, October 24, 2016 - # 6. -How to avoid going broke in retirement- STEPS TO RETIREMENT SUCCESS-getting from here to there

    IVORY TOWER APPROACH MAY NOT WORK     Although academics may spout theories about how best to deal with retirement issues, these studies may have some significant shortcomings as far as how you can actually use them to plan your retirement. Bonnie-Jeanne MacDonald, actuary and academic researcher with Dalhousie University's economics department, says that academics are inclined to model things based on assumptions that may be hard to determine. She notes, "It is really hard to model things ... Full Article...

posted in English at Mon, 24 Oct 2016 20:16:58 +0000



Thursday, October 20, 2016 - # 5. -How to avoid going broke in retirement- STEPS TO RETIREMENT SUCCESS-getting from here to there

    SET UPPER AND LOWER LIMITS FOR WITHDRAWALS     Mutual-fund giant Vanguard's dynamic approach to portfolio withdrawals is based on a combination of 2 tactics: Starting off with a specific dollar-amount withdrawal and adjusting it for inflation each year.Withdrawing a specific percentage of your portfolio annually. In what Vanguard calls a "ceiling and floor" approach, the fund company says you could withdraw a specific percentage of your portfolio each year, setting upper limits (or a ...

posted in English at Thu, 20 Oct 2016 19:41:28 +0000



Tuesday, October 18, 2016 - # 4. -How to avoid going broke in retirement- STEPS TO RETIREMENT SUCCESS-getting from here to there

    PERIDICALLY ADJUST YOUR WITHDRAWAL RATE     Once you set up a certain withdrawal rate, the conventional retirement approach is to stick to it throughout retirement, over a period of time that could be as long as 35 years. David Blanchett, head of retirement research with Morningstar, the Chicago investment research firm, says, "The 2 unknown variables when it comes to building an income strategy are how long you are going to live, and what the market returns are. If you knew both of these ... Full Article...

posted in English at Tue, 18 Oct 2016 19:51:56 +0000



Friday, October 14, 2016 - # 3. -How to avoid going broke in retirement- STEPS TO RETIREMENT SUCCESS-getting from here to there

    FOCUS ON SAVING STEADILY     Those still in the workforce can avoid running out of money in retirement by saving steadily throughout their careers. In another study by Pfau, he found that you are likely to be better off by focusing on saving at a steady rate during your working years, rather than on a withdrawal rate after retirement. The conventional approach is to try to accumulate a certain target wealth amount that will help you withdraw at a specific safe and sustainable withdrawal ... Full Article...

posted in English at Fri, 14 Oct 2016 21:40:37 +0000



Wednesday, October 12, 2016 - # 2. -How to avoid going broke in retirement- STEPS TO RETIREMENT SUCCESS-getting from here to there

    GRADUALLY HIKE UP YOUR STOCK EXPOSURE     Conventional wisdom states you should dial down your stock exposure as you advance in age. But an academic study suggests doing the opposite: Rather than cutting down on stocks in your portfolio after retirement, you should hike it up. According to Wade Pfau, professor of retirement income at the American College, and Michael Kitces, a partner with the Pinnacle Advisory Group in Columbia, Maryland: Instead of going for a downward slope in terms of ... Full Article...

posted in English at Wed, 12 Oct 2016 21:00:26 +0000



Monday, October 10, 2016 - HAPPY THANKSGIVING

    If you have any questions about the market or know anyone else who?d like to receive my free Market Updates, please call or email me. In addition, if you hear that any family, friends or neighbors are considering a move, please don't hesitate to contact me. I'd be happy to provide a free mortgage evaluation at no cost or obligation.Best Wishes!          Amparo Foster AMP realty inc. For all your Real Estate & Mortgages needs Para compra y venta de propiedades Prestamos para vivienda Bus: ... Full Article...

posted in English at Mon, 10 Oct 2016 21:14:45 +0000



Thursday, October 6, 2016 - # 1. How to avoid going broke in retirement- STEPS TO RETIREMENT SUCCESS-getting from here to there

    AVOID GOING BROKE IN RETIREMENT     the average life expectancy in North America. is higher than ever, and while that is great news, there is a potential downside: Retirees today need to plan on having their money last for much longer. A recent Bankrate survey found that 70% of Americans plan to work for as long as possible, with many saying it's because they'll need the money. That plan may or may not work out. But if you worry about running out of money after you retire, financial experts ... Full Article...

posted in English at Thu, 06 Oct 2016 19:40:00 +0000



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DID YOU KNOW AS SELF EMPOYEED WITH GOOD CREDIT HISTORY we can state the income if you have had your business for 2 years or more ? write to am.mortgage@shaw.ca

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