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Tagged With "Life"

Tagged With "Life"

  • Retirement Planning
    I have Life Insurance and a Roth IRA. My advisor keeps pushing Life Insurance as an investment opportunity. After doing some research this seems to be a terrible idea. I want to 1. confirm I am correct and 2. ask the group's opinion on putting money into my Roth IRA on a monthly consistent basis?
  • Topic Reply
    Life insurance is best as an income replacement for your survivors. And yes, on the Roth, if you consistently invest, you will benefit from dollar cost averaging, making more over time. Plus with a Roth, you are taxing the seed, not the harvest.
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    πŸ’―
    The following context really helped me to frame how I view life insurance vs. retirement: Life insurance is way to ensure security for your family in the eventuality of your dying. Retirement savings is a way to ensure security for yourself in the eventuality that you stop working (i.e. your primary income stream stops). Thinking about it in this context, life insurance is obviously not a a great investment vehicle for yourself, but perhaps a great one for your family when you are gone.
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    As to putting money into an IRA monthly, if you don't have the money to fund it up front, do that. If you can fund it right away, do it. If you are worried about the market going down, invest it in something else. If you are getting 0.1% in your bank account, or 0.1% in your IRA but not getting taxed, the IRA still wins. But if you look at a REIT, they pay interest and they are at least not corrolated well to the market in general. Make money as early as possible in your IRA if you can...
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    For certain high-net-worth individuals, life insurance is a way to pass on more millions to decendants without paying taxes. But financially insurance as an investment is reliably a good deal for your insurance agent, for you, not. Term life is a bet that you will die. If you "win" your family gets the money so they can survive without you. The other kind of life insurance which amasses value is a poor investment. It is better to buy term life while your family needs your income, and once...
  • Starting A Business/Side Hustles
    I am one for those cliff hanger spenders, spending what I don't have But here is the twist I help people , I take care of my family Thats why I do with my paycheck So it justifies my spending right ??? I guess not cuz I have been working all my life and I don't have a savings or any investments I have a pension plan and a life insurance but thats about it Nothing liquid And I am down to one source of income So I am here to learn and I am open to advice and mentorship I am also greiving so...
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    I have pension and life insurance ,I just want extra money for everyday life you , vacations etc , be able to do what ever comfortable But thank u , I started my 15% saving a week
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    Hello @Jodiann I would say... NO. That does not justify that. I understand you may have a kind heart to do this, but at the end of the day, you are hurting your future by the decisions you are making. I feel the easiest things to do is auto save what you can so you actually never do see that money. Start 401K and/or ROTH so that it is automatically taken out and you can legitimately say you cannot buy this/that for this person. Or at least, this will minimize what that number usually is. At...
  • Topic Reply
    Jodiann, I am so sorry for your loss! I can not even imagine the pain on top of the pandemic situation! It is not difficult to get on a plan of action. One step at at time. May I suggest a simple spread sheet that outlines what you currently have and then determine how it is impacting your life style. Then you can make some decisions based on ration and not emotion. Let me know if you need help with that. Sometimes, it helps to speak to someone about this that is not invested in your life.
  • Topic Reply
    Thank you so much ,really appreciate it , as it stands I have nothing , paycheck to paycheck trying to find my balance I'm working on it I'm have decided to do my needs not my wants I would buy stuff to make me happy but that happiness is short lived when I am broke again lol So I made a decision to save my 15% a week So one week at at a time I'm changing my bad habits
  • Welcome - Start Here & Introduce Yourself
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  • Topic Reply
    Regarding the retirement savings part, the more income streams you create that will continue to pay you even after you stop working your regular job. concrete driveways
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  • Topic Reply
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  • Topic Reply
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  • Welcome - Start Here & Introduce Yourself
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  • Welcome - Start Here & Introduce Yourself
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  • Topic Reply
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  • Welcome - Start Here & Introduce Yourself
    You will find a variety of courses like Net Life sciences coaching in mumbai . The Catalyst Academy of Life Sciences (CALS) is one such institution.They offer classes in preparation for the CSIR-UGC NET/SET, IIT JAM, NEET, GATE, and MSc Entrance. visite on our website for ore information: https://calsnetexam.in/csir-net-life-science-coaching/
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  • #SpendingDetox
    While marks may not define one’s life story, having a superior academic background always has advantages. Choosing the right school for a child is thus one of the most important decisions parents make. With the world running a rat race, only rigorous training to achieve good grades is not enough. Students need to develop a competitive spirit to excel in academia as well as extra-curricular activities, to evolve into successful and responsible citizens. Read More: ...
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  • Topic Reply
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  • Topic Reply
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  • Topic Reply
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  • Topic Reply
    There are many ways to hire a VIP Call Girls in Karachi. One can find them through online directories or by contacting a local agency. The most important thing is to make sure that the person hiring the call girl is of legal age and that the agency is reputable. It is also important to check references and reviews before hiring anyone. Once all of this has been done, the Beautiful Girls in Karachi is relatively simple. The client will usually meet with the agency representative to discuss...
  • Topic Reply
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  • Welcome - Start Here & Introduce Yourself
    CALS Mumbai coaching institute that offers preparation classes for various competitive exams like csir net & iit jam. This classes include CSIR-UGC NET/SET, MSc Entrance, GATE, NEET and IIT JAM. The Calsnetexam coaching provide the necessary expertise to help students get the desired grades in these exams. Cals have great faculty who helps the students for cracking there csir net exam in first attempt as we can say Catalys Academy is best coaching for csir net life science .
  • Welcome - Start Here & Introduce Yourself
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