WASHINGTON (Reuters Life!) – Retirement is full of risks. There’s the risk of sickness and needing expensive care, or of running out of money or of being divorced or widowed.
The problem with many retirement plans is that they try to treat all of these risks with a single solution — save more money or buy an annuity.
“There are multiple risks in retirement, and it’s wise to insure against each of them, to the extent insurance vehicles are available and affordable,” says Frank Todisco of the American Academy of Actuaries.
Here are …

MINNEAPOLIS–(BUSINESS WIRE)–For the first time, Bloomington-based JNBA Financial Advisors has been named to Barron’s list of the 1,000 top advisors in the country. In the magazine’s state-by-state rankings released on February 22, Richard Brown, CEO of the independent, 30-year-old firm, was ranked fourth in Minnesota.
JNBA has twice been named one of the nation’s top-100 independent wealth advisors by Barron’s and the Winner’s Circle,* but never to the overall top-1,000 list. According to Brown, the fact that JNBA and other independent Registered Investment Advisors (RIAs) made this year’s list alongside traditional …

Instead of hiring that pricey Search Engine Optimization consultant promising to get your business on the first page of Google results, here’s a better, cheaper idea: invest in a blog.
OK, maybe you bring in a consultant to help you get started, either on the technology or on identifying keywords to target. but you can also study up on how to do that stuff yourself. as for technology, if you start with a good blogging and content publishing system like WordPress and add a few common plug-ins (like the “All-in-One SEO …

NEW YORK (Reuters) – Coke may have followed Pepsi’s lead with a very similar bottler deal, but the world’s top soft drink maker faces greater risk in its unexpected return to the logistics side of its business.
Deals
Coca-Cola Co’s (KO.N) surprise move to buy the North American operations of bottler Coca-Cola Enterprises inc (CCE.N) should improve its business in the long term, but it will change the investment profile of the world’s largest soft drink maker and dilute some of the reasons for owning the stock in the first place.
That …

Estate Planning part 11 -the Importance of Life Insurance in Estate Planning
Posted on 27. Feb, 2010 by admin in general
As we mentioned in previous articles, estate planning is the process of accumulating and disposing wealth before death of an individual or a group of owners known as an estate owner including married couple. It’s aims is to maximize the wealth of the estate owner. The most important goal of estate planning is to make sure that the greatest amount of the estate passes to the estate owner’s intended beneficiaries …

Posted By DOUGLAS GLYNN, SPECIAL TO THE EXAMINER Updated 21 hours ago
It’s been 17 years since the former new Brunswick premier warned that, to compete in “this new world of the ‘knows’ and the ‘know-nots’, Canada’s most important tool will (have) to be education and commitment to lifelong learning.”
Frank McKenna told the Couchiching Conference on Public Affairs back then that Canada was not ready to compete globally; that we needed to undergo “a real attitudinal change.”
In support of his viewpoint, McKenna cited school dropout and literacy rates, a lack …

Wrapping up Thursday their visit to Athens, the experts of the European Commission, the Central European Bank and the International Monetary Fund expressed their reservations over the Greek economy’s this year’s growth rate. they also suggested a few recommendations on the additional measures required to earn up to 4.8 billion euros. the experts will brief EU Commissioner Olli Rehn who is due in Athens on Monday to meet with the ministers of Finance, Economy and Employment.
The Greek Finance Ministry described the experts’ predictions as exaggerated, recognizing, however, the dangers lurking …

Cyclical changes in the stock market, economy and bank and government-base investments could be pretty damaging. Diversifying retirement portfolio by the means of IRA real estate investing will allow you to deal successfully with the problems mentioned above. through income production and capital gains you could generate better than market rate returns, while real estate investments hold the potential to protect against the loss of principal.
When real estate investments are leveraged, both income and capital gains can flow back to IRA tax-deferred or tax-free if the IRA is a Roth …

For some reason, people automatically assume they need to get more conservative in their portfolio when they retire. it?s probably because they read it in a financial magazine somewhere that says all retirees should do it. But, times have changed. People are living longer, healthier lives than their parents did and your money needs to last a lot longer.
Your retirement could last for 2-4 decades and most people severely underestimate their retirement income needs. at the very least, you should maintain at least 30-40% of your money in stocks. …

By LAURA SAUNDERS
The great Tax Dodge is under way already.

The how and which of tax increases are still unclear. but there is no question about the if: Higher taxes are coming.

Fearing that tax-code changes could slam fortunes large and small, investors aren’t sitting still. In the first three weeks of February, they poured twice as much money into tax-free municipal-bond funds as into all foreign-equity funds combined. at Fidelity Investments and Charles Schwab Corp., account holders are converting taxable Individual Retirement Accounts into tax-free Roth IRAs at quadruple …