Welcome! Over the years, we've worked with a number of individuals just like you to
establish very specific financial goals for the attainment and protection of wealth.
You will find that our articles reflect that experience, allowing us to cover the issues
that matter most, leaving any ambiguity behind. Unlike many sensational media
outlets, our firsthand experience allows us to cover meaningful topics, in a practical
manner.
We hope you find the many tools and articles on this site informative.
Best Regards,
establish very specific financial goals for the attainment and protection of wealth.
You will find that our articles reflect that experience, allowing us to cover the issues
that matter most, leaving any ambiguity behind. Unlike many sensational media
outlets, our firsthand experience allows us to cover meaningful topics, in a practical
manner.
We hope you find the many tools and articles on this site informative.
Best Regards,
| Your Personal Finance & Retirement Planning Information Source |
All information herein has been prepared solely for informational purposes, and it is not an offer to buy or sell, or
a solicitation of an offer to buy or sell any security or instrument or to participate in any particular trading strategy.
The Money Alert does not make any representations or warranties as to the accuracy, timeliness, suitability,
completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to this web
site or incorporated herein, and takes no responsibility. All such information is provided solely for convenience
purposes only. The Money Alert is not affiliated with any of the firms or entities listed unless specifically stated.
The Money Alert does not provide investment, tax or legal advice. Please consult the appropriate professional
regarding your personal situation.
a solicitation of an offer to buy or sell any security or instrument or to participate in any particular trading strategy.
The Money Alert does not make any representations or warranties as to the accuracy, timeliness, suitability,
completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to this web
site or incorporated herein, and takes no responsibility. All such information is provided solely for convenience
purposes only. The Money Alert is not affiliated with any of the firms or entities listed unless specifically stated.
The Money Alert does not provide investment, tax or legal advice. Please consult the appropriate professional
regarding your personal situation.
Market Commentary
4th Quarter Economic Review
The purpose of the Economic Report is to detail the economic and market forces
that have helped shape returns for the preceding three months. For this report,
however, a longer term view is warranted. Not only did the fourth quarter of 2009
cap off a volatile year, it brought to a close a potentially historic decade. Looking
at the decade as a whole provides some necessary context for recent performance
and helps set expectations for the months ahead.
First, let’s consider performance, which was strong for the third straight quarter.
The S&P 500 Index returned 6.04%1 for the fourth quarter and a robust 26.46% for
the year as a whole. This performance is all the more remarkable considering that
the market bottomed in March 2009, with the S&P 500 down over 25% from... >>>
4th Quarter Economic Review
The purpose of the Economic Report is to detail the economic and market forces
that have helped shape returns for the preceding three months. For this report,
however, a longer term view is warranted. Not only did the fourth quarter of 2009
cap off a volatile year, it brought to a close a potentially historic decade. Looking
at the decade as a whole provides some necessary context for recent performance
and helps set expectations for the months ahead.
First, let’s consider performance, which was strong for the third straight quarter.
The S&P 500 Index returned 6.04%1 for the fourth quarter and a robust 26.46% for
the year as a whole. This performance is all the more remarkable considering that
the market bottomed in March 2009, with the S&P 500 down over 25% from... >>>
___________________________________________________________
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Copyright © 2010 The Money Alert.com. All rights reserved.
2010 Roth IRA Conversion
Beginning in 2010, Roth IRA conversion rules allow for full
participation by those taxpayers who were previously left
out due to income restrictions. Here's a look at the greatly
anticipated 2010 Roth IRA conversion.
If you're a high-income investor saving for retirement there is an attractive
opportunity available to you in 2010. Millions of taxpayers will be able to take
advantage of the Tax Increase Prevention and Reconciliation Act of 2005
(“TIPRA”), which has a provision that allows for the conversion of their existing
traditional IRA accounts to Roth IRA accounts.
Why is this such as big deal? Well, high-income earners with an adjusted gross
income over $100,000, or married individuals filing a separate tax return, have not
been able to convert traditional IRAs to Roth IRAs previously. TIPRA provides a
window of opportunity that will allow these taxpayers who fall into the two above
categories to convert their IRAs and benefit from the long-term advantages that
come with the Roth IRA. Most notably, the tax-free nature of the withdrawals.
Read More...
-----------------------------------------------------------------------------------------------
Term Life Insurance Basics
A close look at this popular low cost life insurance product.
We've all seen the TV commercials—term life insurance for just a few dollars a
month. While these advertisements may be based on very favorable situations, the
general premise is true. Term life insurance is the simplest and most inexpensive
form of life insurance. And it can provide the peace of mind that comes from
protecting your family at a very low cost. Even with its plain vanilla image it's
important to understand some of the basics before purchasing.
Term life insurance provides the largest immediate death benefit for the minimum
premium dollar. When compared to traditional whole life policies, term life
insurance is substantially cheaper. Its reasonable rates allow for the purchase of
much larger coverage than can be afforded from permanent life insurance. Term
insurance covers you for a specified period of time, usually 5, 10, 20, or 30 year
periods. As the name implies, term insurance is temporary, for a set period of time.
Unlike universal or whole life insurance it does not accumulate cash value.
Read More...
-----------------------------------------------------------------------------------------------
Avoiding Foreclosure
If you need foreclosure help, taking an active role
early plays a major role in avoiding foreclosure. We’ll
show you a few potential ways to stop foreclosure
before it's too late.
Homeowners who have trouble making mortgage payments in a timely matter may
be subject to seizure and the loss of title of their home. For these often well-
intentioned individuals, unforeseen circumstances such as job insecurity or medical
issues have them facing the unfathomable—home foreclosure. Regardless of the
circumstances, it should and can often be avoided, with a little effort.
If you're unable to make your mortgage payment, it's absolutely critical that you call
your lender now, in order to stop foreclosure. Ignoring the bills will only make
matters worse, increasing the likelihood that you'll lose your home for sure.
Borrowers who seek foreclosure help early are much more likely to work out a
solution, no matter how dire their situation. Mortgage companies want to avoid
foreclosure as much as you; they're much more interested in the money they make
off your interest, rather than the money they'll lose on your home foreclosure. Based
on your situation, your lender may be able to provide the foreclosure help that you
need.
Read More...
-----------------------------------------------------------------------------------------------
Is an Immediate Annuity Right for You?
An income stream that you'll never outlive sounds
pretty attractive. We'll see if they're right for you.
Americans are living longer than ever. The idea of living a longer, healthier life
appeals to all of us, but for many of us, the tradeoff is outliving our retirement
savings. The crippling costs of healthcare and the constant rise of inflation continue
to compound this financial predicament. A single premium immediate annuity
(SPIA) may help with this dilemma, providing you with an income stream that you
will never outlive. We'll take a look at the pros and the cons.
Here's how they work
While many annuities are designed to build value for retirement, immediate
annuities are designed to provide income immediately in retirement. A fixed
immediate annuity is a contract between you and the insurance company. They are
usually purchased with large lump sums of money by conservative investors in
order to pay for expenses over a long period of time. In exchange for this lump sum
premium the insurance company pays you a monthly income for as long as you live.
Read More...
-----------------------------------------------------------------------------------------------
Ditch Free Credit Report Fees
Free credit report sites with hidden fees are all too
common these days. We'll show you how to get a real
free credit report online.
In 2003, the Fair and Accurate Credit Transaction Act (FACTA) gave every
consumer the right to view their credit reports from each credit bureau for
absolutely free. Since then, a host of “free credit report” sites have popped up.
Most popular is freecreditreport.com, the one with the catchy jingle, that “monitors
your credit and sends you email alerts, so you don’t wind up selling fish to tourists in
t-shirts.” Unfortunately, many consumers have found out the hard way that credit
reports at freecreditreport.com and similar sites aren’t so free after all.
What’s a Credit Report?
Your credit report is a compilation of your credit accounts and related information
like when the account was opened, the account balance, and how timely your
payments have been. Credit reports are maintained by credit reporting agencies a.
k.a. credit bureaus.
There are three major credit bureaus in the United States – Equifax, Experian,
and TransUnion. Typically, consumers have a credit report at each of these
credit bureaus.
Read More...
Beginning in 2010, Roth IRA conversion rules allow for full
participation by those taxpayers who were previously left
out due to income restrictions. Here's a look at the greatly
anticipated 2010 Roth IRA conversion.
If you're a high-income investor saving for retirement there is an attractive
opportunity available to you in 2010. Millions of taxpayers will be able to take
advantage of the Tax Increase Prevention and Reconciliation Act of 2005
(“TIPRA”), which has a provision that allows for the conversion of their existing
traditional IRA accounts to Roth IRA accounts.
Why is this such as big deal? Well, high-income earners with an adjusted gross
income over $100,000, or married individuals filing a separate tax return, have not
been able to convert traditional IRAs to Roth IRAs previously. TIPRA provides a
window of opportunity that will allow these taxpayers who fall into the two above
categories to convert their IRAs and benefit from the long-term advantages that
come with the Roth IRA. Most notably, the tax-free nature of the withdrawals.
Read More...
-----------------------------------------------------------------------------------------------
Term Life Insurance Basics
A close look at this popular low cost life insurance product.
We've all seen the TV commercials—term life insurance for just a few dollars a
month. While these advertisements may be based on very favorable situations, the
general premise is true. Term life insurance is the simplest and most inexpensive
form of life insurance. And it can provide the peace of mind that comes from
protecting your family at a very low cost. Even with its plain vanilla image it's
important to understand some of the basics before purchasing.
Term life insurance provides the largest immediate death benefit for the minimum
premium dollar. When compared to traditional whole life policies, term life
insurance is substantially cheaper. Its reasonable rates allow for the purchase of
much larger coverage than can be afforded from permanent life insurance. Term
insurance covers you for a specified period of time, usually 5, 10, 20, or 30 year
periods. As the name implies, term insurance is temporary, for a set period of time.
Unlike universal or whole life insurance it does not accumulate cash value.
Read More...
-----------------------------------------------------------------------------------------------
Avoiding Foreclosure
If you need foreclosure help, taking an active role
early plays a major role in avoiding foreclosure. We’ll
show you a few potential ways to stop foreclosure
before it's too late.
Homeowners who have trouble making mortgage payments in a timely matter may
be subject to seizure and the loss of title of their home. For these often well-
intentioned individuals, unforeseen circumstances such as job insecurity or medical
issues have them facing the unfathomable—home foreclosure. Regardless of the
circumstances, it should and can often be avoided, with a little effort.
If you're unable to make your mortgage payment, it's absolutely critical that you call
your lender now, in order to stop foreclosure. Ignoring the bills will only make
matters worse, increasing the likelihood that you'll lose your home for sure.
Borrowers who seek foreclosure help early are much more likely to work out a
solution, no matter how dire their situation. Mortgage companies want to avoid
foreclosure as much as you; they're much more interested in the money they make
off your interest, rather than the money they'll lose on your home foreclosure. Based
on your situation, your lender may be able to provide the foreclosure help that you
need.
Read More...
-----------------------------------------------------------------------------------------------
Is an Immediate Annuity Right for You?
An income stream that you'll never outlive sounds
pretty attractive. We'll see if they're right for you.
Americans are living longer than ever. The idea of living a longer, healthier life
appeals to all of us, but for many of us, the tradeoff is outliving our retirement
savings. The crippling costs of healthcare and the constant rise of inflation continue
to compound this financial predicament. A single premium immediate annuity
(SPIA) may help with this dilemma, providing you with an income stream that you
will never outlive. We'll take a look at the pros and the cons.
Here's how they work
While many annuities are designed to build value for retirement, immediate
annuities are designed to provide income immediately in retirement. A fixed
immediate annuity is a contract between you and the insurance company. They are
usually purchased with large lump sums of money by conservative investors in
order to pay for expenses over a long period of time. In exchange for this lump sum
premium the insurance company pays you a monthly income for as long as you live.
Read More...
-----------------------------------------------------------------------------------------------
Ditch Free Credit Report Fees
Free credit report sites with hidden fees are all too
common these days. We'll show you how to get a real
free credit report online.
In 2003, the Fair and Accurate Credit Transaction Act (FACTA) gave every
consumer the right to view their credit reports from each credit bureau for
absolutely free. Since then, a host of “free credit report” sites have popped up.
Most popular is freecreditreport.com, the one with the catchy jingle, that “monitors
your credit and sends you email alerts, so you don’t wind up selling fish to tourists in
t-shirts.” Unfortunately, many consumers have found out the hard way that credit
reports at freecreditreport.com and similar sites aren’t so free after all.
What’s a Credit Report?
Your credit report is a compilation of your credit accounts and related information
like when the account was opened, the account balance, and how timely your
payments have been. Credit reports are maintained by credit reporting agencies a.
k.a. credit bureaus.
There are three major credit bureaus in the United States – Equifax, Experian,
and TransUnion. Typically, consumers have a credit report at each of these
credit bureaus.
Read More...
