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Subscribe to erollover.com Blog by Email Advantages, Details, and Disadvantages of 403b Plans 403b plans are retirement savings plans that allow you to make annual dollar contributions (just like 401k plans) and let them grow tax-deferred up until you withdraw them (upon retirement). Note the fact that 403b plans allow for pre-tax contributions (that is from your Gross Wage). Go here to read about the distinctions between pre-tax and after-tax 401k contributions. 403b plans are also known as tax-deferred annuities. 403b Plans are...

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Subscribe to erollover.com Blog by Email Life Insurance After AIG's Near-Death Experience Peter Katt for Forbes.com 09.19.08, 4:30 PM ET It has been reported that AIG (nyse: AIG - news - people ) neared bankruptcy before the intervention by U.S. taxpayers on Sept. 16. American General Life is a subsidiary of AIG. AG has put out the word that they are in good financial shape and doing business as usual. It is an interesting question whether the marketplace will let them. I suspect...

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Subscribe to erollover.com Blog by Email Naked short selling From Wikipedia, the free encyclopedia Naked short selling, or naked shorting, is the practice of selling a stock short without first borrowing the shares or ensuring that the shares can be borrowed as is done in a conventional short sale. When the seller does not then obtain the requisite shares, the result is known as a "fail to deliver." The Orange Savings Account. Great rates, no fees, no minimums.

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Subscribe to erollover.com Blog by Email What is a SEP IRA? A SEP IRA is a type of traditional IRA for self-employed individuals or small business owners. (SEP stands for Simplified Employee Pension.) Any business owner with one or more employees, or anyone with freelance income, can open a SEP IRA. Contributions, which are tax-deductible for the business or individual, go into a traditional IRA held in the employee's name. Employees of the business cannot contribute - the employer does. Like a...

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Subscribe to erollover.com Blog by Email What the AIG News Means to You September 16th, 2008 eRollover.com 2008 If you’re an AIG policyholder, as I am, the news of the past two days has probably been a bit unsettling. This is a crisis that is playing out minute by minute, and we all need to stay tuned to figure out what the long-term impact will be on the overall financial markets and our own personal financial situations. Here’s what we can tell you. If...

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Subscribe to erollover.com Blog by Email Do you currently have a game plan for your 401k account? Do you have the time and expertise to manage your 401k account? Given today's market should your 401k account be on offense or defense? For most, an employer sponsored retirement plan will represent the largest source of our retirement savings. Your 401k account will be critical to how you live once a regular pay check is no longer available. Unfortunately, many 401k accounts perform poorly...

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Subscribe to erollover.com Blog by Email 401k Contribution and Catch up Limits Perhaps the single most important retirement account available to employees today is their 401k plan. In this article we're going to discuss the current (2007 / 2008) 401k contribution limits, including catch-up limits, pre-tax and total contributions limits, as well as the limits that apply to highly-compensated employees. Background of 401k Contribution Limits If you've been procrastinating or short changing your 401k plan, there is a bit of good news for...

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Subscribe to erollover.com Blog by Email Watch out for these Retirement Scams! By: Joshua Lipton, Forbes Magazine After reading about it in the local newspaper, you decide to attend a seminar at a neighborhood steakhouse where a broker will offer a lecture on how to retire early, earn high investment returns and enjoy steady annual cash withdrawals, all while you finish off that complimentary, medium-rare T-bone. The broker is dressed sharp while pitching his difficult-to-resist game plan. The catch of course is that you...

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Subscribe to erollover.com Blog by Email by The Associated Press www.Erollover.com 2008 The Newest Community for Personal Finance, Investing, and Retirement Topics is eRollover.com. Erollover.com, the leading portal for 401k’s, Retirement, and Personal Finance Topics, is proud to announce that we have opened up a new feature on our website that allows users to submit and share their own financial articles, photos, videos, and webcasts! Anyone is welcome to share exactly what interests them via these forms of media, while...

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Subscribe to erollover.com Blog by Email by The Associated Press www.Erollover.com 2008 Don't put your retirement plan totally on automatic September 9, 2008 Just because something's automatic doesn't mean you can totally sit back and relax; especially when it comes to your retirement. In recent years more companies have been shifting away from traditional pensions and placing the responsibility for retirement planning more squarely on individuals. As part of the move, many employers now offer automatic enrollment in their 401(k) programs and are...

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Subscribe to erollover.com Blog by Email by Mike Rowan www.Erollover.com 2008 Preparing your investments or 401k for moves in the market. Market fluctuations are nothing to fear: In fact, they’re normal. By basing your investment decisions on good information, you can stay with your 401k or 403b savings goals and strategy you’ve set. Just apply these time-proven principles, and stop worrying about short-term declines. 401k Rule #1: Know your strategy. To feel comfortable about investing, you need a strategy. Finding yours is easier than it...

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Subscribe to erollover.com Blog by Email by Mike Rowan www.Erollover.com 2008 8 money moves you must make at 50 Face it, you're getting older, so now is the time to make preparations for health changes and retirement. If you're turning the corner into your sixth decade, you've probably heard the jokes about getting older. The ones that start, "You know you're 50 when …": • The elevator is playing your favorite song. • Dinner and a movie are the whole date, not just the warm-up. • You look like...

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