Let the Surplus Emerge

If contributions are inadequate to fund benefits and never increased, a financial burden will arise – sometime in the future. After many years, with increased life expectancy, a growing population, a lower retirement age and higher pensions with minimal contributions – the future is now. And the resulting financial burden is insurmountable.

Understanding the New Limit Up-Limit Down Initiative

On May 6th, 2010 the U.S. Stock Exchange experienced what is referred to as a flash crash. The results was that one trillion dollars in the paper value of the stock market was temporarily wiped out. In a measure designed to avoid volatile price swings in equity markets the Security Exchange Commission(SEC), and the Financial Industry Regulatory Authority (FINRA)approved a one year pilot program known as the limit up limit down initiative.

Stewardship Also Means Taking Care Of Family

Jacob is a man after my own heart. In Genesis 30:26, this man recognized his responsibility and assumed his role as a husband, father, and provider. He worked hard to take care of his family. Many are familiar with 1 Timothy 5:8, "If anyone does not provide for his relatives, and especially for his immediate family, he has denied the faith and is worse than an unbeliever." (NIV) Let’s look at how Jacob puts these words into action.

Why The Growth In Fame Of A Cloud Market Data Solution

In simple terms, rather than market data being stockpiled within your desktop, a cloud market data solution permits a huge set of data and applications to be saved on an internet server and circulated to users using a web browser anytime and anywhere. The reason such a solution is growing in popularity is that it saves organizations from creating internal servers and downloading advance software tools. Providers of this solution have already designed a platform to function with every organization’s IT needs.

How to Save Money the Right Way With Banks

Using banks is a great way to save money. However, to avoid fees, you’ll need to take charge of your accounts.

Lenders Optimistic About Large Mortgage Market in 2013

The outlook for the UK’s mortgage industry is becoming more positive following a difficult few years. Mortgage lenders are of the view that the high value mortgage market, in particular, is heading in the right direction.

2013 Debt Reduction Resolutions

The time for resolutions is almost at hand and for most of us, it is a chance for a brand new start. If you are still struggling with your debts, you may want to consider setting up specific resolutions that will help you get out of debt beginning next year. You plans may take years to complete but the road to financial freedom starts with your decision to do something about it.

Qualified Plans and IRAs: Minimum Distribution Rules

For qualified retirement plans and individual retirement accounts (IRAs) to receive tax favorable treatment by the IRS, they must meet certain requirements. One of those requirements is the minimum distribution rule. This means that qualified plans and IRAs must distribute assets to the owner no later than a specific date, called the “required beginning date.”

Rediscover Finance and Insurance – The Key Ingredients

During the daily operation of their dealerships, many managers and dealer principals have a tendency to lose sight of the key ingredients of a successful and profitable F&I department. This article provides an overview of those key ingredients and several follow-up articles will address each ingredient individually and in detail.

Business Vs Consumer Reaction to the Fiscal Cliff

All month I have been speaking about the $600 billion fiscal cliff that our government is facing as it heads into the New Year. Following up today, let me fill you in on how businesses and consumers are reacting differently to this serious issue.

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