Samuel Martin's Articles in Personal Finance

  • Tips to Know Before Buying an Annuity Policy
    Annuities may be a useful tool for those who want a steady stream of income throughout their lives. While most annuities include a death benefit, an annuity is almost the opposite of a life insurance policy - annuities offer financial protection against outliving your income.
  • Study Shows Americans Need to Get Financially Fit
    Most Americans lack basic understanding when it comes to their credit score and personal finance, according to the results of a survey by consumer advocacy group Consumer Action and financial services provider Capital One.
  • Smart Moves for Retirement
    With health care costs continuing to increase, the future of Social Security unclear and pension plans available to fewer and fewer workers, America's retirement readiness is a major concern for both individuals and the nation as a whole.
  • Roll Over Your IRA for A More Secure Future
    The convenience of 401(k)s and other employer-sponsored retirement plans have turned many Americans into investors. That's good news, since it is becoming evident that fewer retirees in the future will have substantial pensions and more will have to rely on their own savings to cover their needs.
  • Point and Click Your Financial Plan
    You've organized the contents of that bulging shoebox and tracked down the stray receipts lurking in jacket pockets. Now you're ready to point and click your way to what you hope will be a generous tax refund.
  • Performance Contracting Helps Save on Energy Costs
    As soaring energy costs increasingly affect the bottom line of U.S. businesses, the "energy performance contract" has become an attractive solution for commercial building owners. This contract is a financing or operating lease offered by an energy service company, also known as an ESCO, to help businesses improve the energy efficiency of their buildings or facilities.
  • Guidance for Retirees on Managing Investments
    Financial media have put so much focus in recent years on how investors can accumulate wealth for retirement that they often have overlooked what investors should do once they actually retire.
  • Firm Guides Parents Through College Savings Plans
    According to a survey conducted by the New York-based College Board, college tuition costs are rising faster than the pace of inflation. Between 1993 and 2003, for example, the average cost of tuition and fees for four years rose 47 percent at public colleges and 42 percent at private institutions.
  • Financial Education Can Pay Dividends for Youth
    According to statistics from the National Council on Economic Education, only seven states require high school students to take a personal finance course while eight others require courses with personal finance content.
  • Debunking Common Knowledge About IRAs
    According to a recent "Retirement Trends" survey by Fidelity Investments, 96 percent of Americans saving for retirement don't know the current contribution limit for an individual retirement account, with some guessing as low as $1,000. The reality is that for tax year 2005, IRA contribution limits increase to $4,000 -- up from $3,000 in 2004.
  • Consumers Bear Brunt Of Cold Winter
    Even though Americans are feeling some relief at the gas pump from last fall's record prices, their checkbooks are still likely to take a hit this winter as natural gas and heating oil prices continue to soar.
  • Building Confidence in Your Retirement Future
    In the next 10 years, the first wave of America's 76 million baby boomers will be retiring. Since today's retirees are generally healthier and more active than their parents, they are looking forward to living longer and spending more time playing with grandchildren, pursuing hobbies or even trying new careers.
  • 401(k) Participants Turn to Pros For Help Managing Their Money
    You're a computer engineer, or a nurse, or a graphic designer. Just keeping current in your own specialty is an effort. So what happens to your 401(k) retirement plan while you're off doing what you do?

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