This Week in BlogTalkRadio, 2/1-2/7
February is here and this week brought some of the biggest names in entertainment and politics ...
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Inviting listeners to call in to your BlogTalkRadio show, whether to ask questions, share ...
Let’s Get Political
Governor Deval Patrick and Ayla Brown. If you’ve been following the news, or ...
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Debt Warriors!
9/2/2009 7:21 PM UTC
Hey Dean, love the flow of the show. J. Ford
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With a tough economy today, and plenty of investor fear, we need common sense advice more than ever. "There is nothing more UNCOMMON than Common Sense." Frank Lloyd Wright Let's help you get more from your IRA or 401(k) and give you some peace of mind. Join me as we discuss what you should be doing with your IRA or 401(k). I'll share my years of experience and help you find your way.
401(k) Coach
Date / Time: 2/15/2010 6:00 PM UTC
Category: Finance
Call-in Number: (347) 857-2709
Norm Robertson is the owner of Express Pros Employment Services in Mishawaka (South Bend) IN. For the past 15 years, Norm has assisted companies with their hiring needs in addition to Leadership and Staff Development strategies. Norm provides training on such topics as Supervisory Skills, Customer Service, Sales Management, Time Management, Generational Differences, and Employee Retention. Norm can share some valuable information on the career market here in the South Bend area, and how he can help.
Date / Time: 2/8/2010 10:32 PM UTC
Do you live in "The Middle"?
Again, the benefit for us "Hoosiers" living in Indiana is this. It doesn't matter which state the bond came from. We enjoy interest income on any muni bond which is free from Federal, State, and Local Taxes! That may be worth an additional 1.5% - 2% or more on your savings, depending on your tax bracket. (Check with your advisor when buying bonds to see if you may be subject to Alternative Minimum Tax, depending on your total income.)Currently, http://www.bankrate.com/ (as of Feb. 4, 2010), shows us what the highest rates are for a 1 Year CD (1.7%) and a 5 Year CD (3.55%). Dave Ramsey refers to these as "Certificates of Depression". You can see why! Did you also know that CDs are RISKY? Why is that, you ask? Easy - You LOSE Future Buying Power! Let's do the math, and see which option may be better for long term savings. 5 Year Municipal (Investment Quality) Bond at 5% $10,000 x .05 = $500/year. $500 x 5 years = $2500 (TAX FREE) Most Bonds pay interest twice per year, directly to you the investor, so you will get 2 checks each year for $250 for 5 years. When the bond is due, you get the $10,000 back. That may also happen if the bond is called early, but that's another lesson. 5 Year CD at 3.55% Remember that was the BEST rate in the US today on http://www.bankrate.com/.$10,000 x .0355 = $355/year. $355 x 5 years = $1775, and you WILL PAY TAXES on this. Hmmmm......let's see.....I can get $2500 in interest that is tax free OR $1775 in interest that is taxable. I wonder which one I should pick......Did you ever wonder how banks make money? They use your money and either loan it or invest it.Now you can see why your bank may not share the muni bond idea with you.If you would like to learn more about Municipal Bonds, please contact me. You may also contact me for more information on 401(k) plans or IRAs at http://www.helpmy401k.us/. You may also contact me on Linked In at http://www.linkedin.com/in/dvoelker or Twitter at http://www.twitter.com/deanvoelker.
Original Air Date: 2/8/2010 6:00 PM UTC
Date / Time: 2/3/2010 2:09 PM UTC
Date / Time: 1/29/2010 9:02 PM UTC
Original Air Date: 1/26/2010 6:00 PM UTC
Original Air Date: 1/20/2010 6:00 PM UTC
Original Air Date: 1/13/2010 6:00 PM UTC
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