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How much house can I afford? Will I have enough to retire? We're pleased to offer you a wide selection of financial calculators to help you answer those questions and more. We've got the tools to help you plan and save...and the products and services to help you reach your goals. Get started. Retirement & Savings Calculators Why Work with an Advisor? These calculators are provided only as general self-help tools. These tools are not offers, representations or warranties by any member companies of the Principal Financial Group, and do not describe any particular products or services they offer. As with any financial transaction, you should carefully review the entire agreement before making a decision. Plan Ahead. Get Ahead. Retire Secure - How to Raise Money-Smart Kids. Give your children the tools they need to become financially savvy.
Good habits start early — and that includes financial habits. While your children are young, introduce them to key concepts such as saving, spending and credit. Saving. Alternative investments get some investors to ditch 401(k)s - Jun. 28. NEW YORK (CNNMoney) -- Don Poffenroth spent more than 20 years watching his 401(k) eke out returns of 3% to 5%.
Until, in 2007, he decided to take a bold step: He emptied out his 401(k) into a self-directed IRA and funneled all of his savings -- $300,000 -- into a vodka distillery. At the time, there were only a handful of players in the business and about 40 distilleries in the country. "There was all sorts of potential there," said Poffenroth. Three years later, the vodka distillery, which is based in Spokane, Wash., is bringing in annual revenue of more than $1.5 million. And Poffenroth estimates that his 60% share of the company is worth about $1.2 million. Roth IRAs for teens - Oct. 16, 2000. NEW YORK (CNNfn) - If you could invest tax-free money now, let it compound for 40 or 50 years, and then take the proceeds out tax-free, you don't need to be knocked over the head to realize that's a great deal.
But it's one only your child can take advantage of if he or she has a Roth IRA and makes less than $4,400 annually from a part-time or summer job. That's because teen-agers who earn less than $4,400 this year will not be required to pay income tax unless they have a significant amount of unearned income from dividends and interest.
If they invest part of their earnings - or if you, in a tax-free gift to them, invest the equivalent of part of their earnings -- in a Roth, it will grow tax-free. Roths good for all But even if your child makes more than $4,400, chances are his or her income tax bracket will still be at the lowest level in his or her working life. OANDA - Forex Trading and Exchange Rates Services. PAX World Mutual Funds. Ave Maria World Equity Fund - Ave Maria Mutual Funds. Fund Objective Ave Maria World Equity Fund seeks long-term capital appreciation from equity investments in companies that do not violate core values and teachings of the Roman Catholic Church.
Performance data quoted represents past performance, which is no guarantee of future results. Investment return and principal value are historical and may fluctuate so that redemption value may be worth more or less than the original cost. Current performance may be lower or higher than what is quoted. VICEX: 19.10 +0.07 (+0.37%) : VICE FUND. The World's First Twitter-Based Hedge Fund Is Finally Open for Business - Derek Thompson - Business.
This week, Derwent Capital Markets, a London investment firm, launched a $40 million hedge fund that will use Twitter to guide its investments.
The world's first social media-based hedge fund will monitor a selection of tweets in real-time to feel out market sentiment before placing its bets. "For years, investors have widely accepted that financial markets are driven by fear and greed but we've never before had the technology or data to be able to quantify human emotion," Paul Hawtin, the founder of Derwent Capital Markets, wrote The Atlantic in an email.
With Twitter, he added, investors finally had a window to the world's fear. A Young Man’s Guide to Understanding Retirement Accounts: The 401(k) Cards - Free Credit Reports - Online Loans. Tips & advice Rewards Credit Cards Rewards credit cards allow you to earn points, cash back, airline miles, or other special awards when you make credit card purchases.
Most rewards cards award you a certain number of points per dollar you spend, and then allow you to use those points towards cash rebates, airline tickets, travel, major purchases, and special offers and perks. Start by looking at your own spending habits. Go through your bank account and credit card statements to determine in which categories you spend the most money. Download free legal forms - from the 'Lectric Law Library. Post–Ownership Change Treatment of Built-in Gains and Losses. Power of Attorney. A power of attorney is a document that allows you to appoint a person or organization to handle your affairs while you're unavailable or unable to do so.
The person or organization you appoint is referred to as an "Attorney-in-Fact" or "Agent. " General Power of Attorney - authorizes your Agent to act on your behalf in a variety of different situations. Special Power of Attorney - authorizes your Agent to act on your behalf in specific situations only. Health Care Power of Attorney - allows you to appoint someone to make health care decisions for you if you're incapacitated. Durable" Power of Attorney -The general, special and health care powers of attorney can all be made "durable" by adding certain text to the document. Which American Restaurant Chains Might Go Under? TheStreet.com recently analyzed the Z-score (a formula that measures a company's financial health through factors such as working capital, total assets, total liabilities, market capitalization, sales, retained earnings and earnings before interest and taxes) of several chain restaurants to forecast the chances of the companies going bankrupt in the next two years.
The article points out that although stocks from companies like McDonald's, Chipotle and Starbucks are generally growing, restaurants like Sbarro's and Marie Callender's filed for bankruptcy this year. Below is a list of which other chains (market capitalization of at least $100 million) might follow suit, from least risky to most risky: 14. Red Robin 13. Sonic 12. Z Score Altman Z Score - The Insolvency Predictor - Credit Guru. Bankruptcy Watch: 14 Risky Restaurant Stocks. (Bankruptcy Watch: 14 Risky Restaurant Stocks report updated with Sonic's quarterly earnings results.)
NEW YORK (TheStreet) -- Amid concern over a possible double-dip recession -- or at least some stall in the recovery -- in the midst of rising gasoline and food prices, bankruptcy is a real concern for any company, and the restaurant sector is certainly not immune. American diners spent 40.5% of their food budgets eating away from home in 2010, down just slightly from 41% in 2006, according to data from the Bureau of Economic Analysis. Chains such as McDonald's (MCD_), Chipotle Mexican Grill (CMG_) and Starbucks (SBUX_) continue to grow. But even so, a number of restaurant operators have filed for Chapter 11 bankruptcy protection in recent months.
Notably, Sbarro, the famously mediocre Italian chain, went bankrupt in April. 10 Brands That Will Disappear In 2012: 24/7 Wall St. 24/7 Wall St. has created a new list of brands that will disappear, which includes Sears (NASDAQ:SHLD), Sony Pictures (NYSE:SNE), American Apparel (NYSE:APP), Nokia (NYSE:NOK), Saab, A&W All-American Foods Restaurants, Soap Opera Digest, Sony Ericsson, MySpace (NYSE:NWS.A), and Kellog's Corn Pops.
(NYSE:K). Each year, 24/7 Wall St. regularly compiles a list of brands that are going to disappear in the near-term. Life ins. Whole life ins. Matrix direct life insurance. Personal Insurance. Life insurance: 4 questions to ask - Fidelity. Fidelity Viewpoints — August 6, 2010 Why protecting yourself and your family against the unexpected is prudent. Life Insurance Quote. Your first month is just $1 Find your current age to see your rate after the first month. Your rate will increase on birthdays when your age ends in a 1 or 6 (example: 41, 46, 51, 56.) Check the premium table to see what you'll pay at each age. Coverage is guaranteed to age 90. Rates for other face amounts are also available. Yeah, it's that good.
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