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Dividend Stocks – The Dividend Daily » Weekend Edition – Success and Wealth are a State of Mind

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Thursday, April 26th, 2012

To be a successful investor, one needs to manage his or her expectations. What kind of results are you seeking?

Some people expect instant results. If they buy a stock and it doesn’t go up the very first day they own it, they’re disappointed. Others are more patient, watching and waiting for good long-term investment ideas before acting. still others will never actually put any money to work, and don’t get much further than doing a bit of initial research. All of these people likely had some preconceived notions about investing that led them to where they are today. I believe that a person’s mindset is extremely important in determining their level of success — not just in investing, but in their career and personal lives as well.

In my newsletter, I try to make investors aware of all the factors involved in generating wealth. I’m not here to simply tell people that dividend stocks have outperformed the overall market averages for decades, or how incredible compound interest is for investors who consistently put money to work over time. I like to closely examine the various influences around us at different stages of our lives, and how they affect our spending and investing habits.

I urge you to remain open-minded about all money matters. Always be willing to learn more, and don’t be afraid to reconsider a previously-held viewpoint when new evidence emerges. also bear in mind that our careers, savings, spending habits, and investing lives are all intertwined.

Success is often defined by money, and despite the fact that money doesn’t buy happiness, the truth is that money can often lead to great opportunities to better your overall life. when you build a solid financial foundation, you’ll avoid much of the everyday money stresses that plague so many people. plus, you’ll be able afford the finer things in life — whatever those things are for you.

Once your financial “house” is in order, you should then seek to stockpile as many income-producing assets you can afford to buy with cash and debt. Of course, debt should only be used sparingly and carefully. for instance, I’m a big fan of income-producing real estate properties, and only borrowing money when a property can carry itself with positive cash flow. regardless of the investing focus, your mindset should remain the same. Remember, every money decision you make affects the other components of your financial life.

We can all fuss about the size of our bank accounts, our job that is making us miserable, or other factors holding us back. or, we can make the changes necessary to improve our “luck.” Ultimately, your current luck in life will be built upon the actions you take, and a solid frame of mind is a critical piece of the puzzle.

April 17th IRA Contribution Deadline: last Reminder!

One of the best long-term retirement strategies an investor can use is investing in dividend-paying stocks within a Roth IRA. Roth IRA distributions, including capital gains, interest, and DIVIDENDS are tax-free once you turn 59 1/2 years old, and the account has been established for longer than five tax years. Dividends paid into a Roth account are never taxed, even when withdrawn. This special treatment differs from dividends accumulated in a Traditional IRA, which would be taxed during withdrawals. the best part of a Traditional IRA is the tax credit is counted the year you do it.

Some accountants prefer clients to take the traditional road, knowing it can ease one’s tax burden for this year. do remember, though, that withdrawals taken from any IRA account before age 59 1/2, including income from dividends, are subject to a 10 percent penalty tax in addition to ordinary income taxation.

Always consult with a tax specialist before making any moves that may incur tax consequences. Of course, there’s nothing wrong with purchasing dividend stocks within a Traditional IRA either, but Roth IRAs are particularly attractive to dividend investors looking to maximize their future retirement withdrawals.

For those of you who are self-employed, you have the benefit of building a retirement nest egg very quickly with a SEP-IRA. If you’re self-employed, you can contribute 25% of your earned income or $50,000, whichever is less, to a SEP plan for 2012. Think of all the high-quality dividend stocks you can be putting to work for yourself — that’s the true essence of making your money work for you! again, talk to your tax professional and see how you can take advantage of this type of account.

Call your broker and find out what you need to do to make sure you can get your IRA contribution over to them in time to beat the deadline!

Go Beyond This Newsletter

We know many of you enjoy reading the daily newsletter, but remember that with our Dividend.com Premium service, the newsletter is just one small component of what we offer. here are the “big Three” benefits of our Premium service:

- the Best Dividend Stocks List is used by tens of thousands of investors to help build their own portfolios.

- creating your own Watchlist allows you to track the performance, news, and upcoming dividend payouts of the particular stocks you care about.

- Finally, we offer the most complete and easy-to-use dividend data on the web. Many subscribers use this data as part of a “Dividend Capture” trading strategy, but long-term investors can use it to keep track of impending payouts. Just visit our Ex-Dividend Calendar for a complete outlook on which companies will be paying out soon.

We don’t ask for a credit card to use our free trial, and we don’t bill you when your trial ends. no obligation whatsoever! So keep enjoying the newsletter, but please give Dividend.com Premium a shot if you haven’t already subscribed!

An important Note Regarding the Best Dividend Stocks List

We want to make sure everyone understands that the stocks on our Best Dividend Stocks List are the names we currently like for new investor capital, regardless of what date the stock was first recommended on. If and when a stock is removed from the list, we will clearly state whether the stock should be sold (which is rare but occasionally will happen), or simply held in one’s account until we see a better entry point or catalyst.

And here’s one last thing to remember about what we do here at Dividend.com. It’s not just the names that we recommend that can help you build wealth, but also the things we try to steer you away from that are just as important. Forget about speculative or penny stocks, chasing unprofitable IPOs, and listening to the manic talking heads in the business media!

Thank you for sharing part of your weekend with me, and please be sure to pass this post on to anyone you think we can get inspired and educated about money, building wealth, and using common sense to do so.

Be sure to visit our complete recommended list of the Best Dividend Stocks, as well as a detailed explanation of our ratings system here.

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Categories : iras roth
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Penalty-Free Ways to Raid a 401(k)

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Monday, March 5th, 2012

By Anne Tergesen

Thinking about raiding your retirement funds? There are ways to do so without triggering the dreaded 10% penalty on early withdrawals.

First a little background. when you save in a tax-deferred 401(k) or Individual Retirement Account, Uncle Sam lets you contribute money on a tax-deferred basis. you don’t have to pay income taxes until the money is withdrawn. To encourage people to save for retirement, the IRS imposes a 10% penalty on those who break into these accounts before reaching age 59 1/2.

But there are ways around the 10% penalty.

For example, if you leave a company in the year in which you turn 55 or older, you can take penalty-free withdrawals from a 401(k) plan. (The distribution would be taxable, of course, but the 10% penalty would not apply.) the rules are strict: if you are 54 when you leave your job, you can’t escape the 10% penalty–even after turning 55.

Be aware that you can only take penalty-free distributions from the 401(k) account of the employer you left on or after your 55th birthday.

If you are laid off between ages 55 and 59 1/2 and anticipate needing some of your retirement money to make ends meet, it’s a good idea to leave at least part of your savings in your 401(k) plan, rather than rolling it over to an IRA, says Ed Slott, an IRA expert in Rockville Centre, N.Y.

401(k) owners “should always leave more in the (401(k)) plan than” they might think they will need, he says. People “always seem to need more money than they think.”

There are also ways to avoid a 10% penalty with an IRA.

IRA owners, for example, can take so-called 72 (t) withdrawals. the advantage to these is that you can start them at any age. the downside: Once you start taking 72 (t) withdrawals, you must continue for either five years or until you reach 59 ½–whichever is longer. that means a 58-year-old is locked into receiving annual payments until age 63. a 35-year-old faces 24 1/2 years of drawdowns. Moreover, because the payments are calculated according to actuarial tables, you won’t have flexibility to adjust the amounts. (You can do it with a 401(k), but you must have left the company first.)

Yet another way around the 10% penalty applies to IRA owners who are unemployed. They can take distributions from a SEP, SIMPLE, Roth or traditional IRA to pay health insurance premiums for themselves, a spouse, and/or dependents. (Note: you cannot do this with a 401(k).)

Be sure to follow the rules, says Mr. Slott. for example, to qualify, you have to have received unemployment compensation for at least 12 consecutive weeks, he says. Moreover, you must take IRA distributions either in the same year you receive unemployment benefits or in the following year, he writes. and you must pay your health insurance premiums in the year you take the distributions.

Self-employed people who don’t qualify for unemployment benefits, can take advantage of penalty-free withdrawals, too, provided that “they would have met the unemployment benefits requirement had they been an employee,” Mr. Slott writes.

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Categories : 401k to roth
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401k IRA Rollover – the Issues of Taxes and Age

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Monday, January 2nd, 2012

You’re approaching your retirement or are already there. where do you turn with all of individual contributions both you and your employer have made for your 401(k)? Would you perform a 401k IRA rollover? have you ever had to deal with a 401k IRA rollover? have no fear.  our easy to follow advice regarding a 401k IRA rollover will assist you in figuring your next move.

You essentially have two options. You can preserve your retirement funds in the 401k as-is or choose the 401k IRA rollover. However, consider a few of the implications about the 401k IRA rollover.

Under an IRA, you are able to invest your money in a number of investment options – there are very few limitations. You are in direct control of your account. However, money withdrawn from an IRA is taxed at regular tax rates which may be up to 35% and never in the lower capital gains rates. and you’ll pay a 10% penalty to take distributions before you turn 59½, unless of course you are eligible for an IRA penalty exception.

The two negative aspects of an IRA covered above – complete taxation of withdrawals at ordinary income rates and restrictions of withdrawals prior at age 59 1/2 – are handled more preferably with a 401k account.  therefore,if the above issues are high priority for you, skipping a 401k IRA rollover would be the best course.

In the case of age, 401k plans offer an advantage. You are permitted to access your 401k assets after your separation from service in or after the year you reached age 55.  You do not need to comply with the requirements of rule 72t as you would with early IRA distributions.

As to taxes, 401k plans also offer an advantage with regards to shares in your company held in your 401k plan. even if you performs a 401k IRA rollover with other assets, if you take distribution of your company shares, you will pay tax on the basis of those shares (their original cost) but later upon sales, only pay capital gains rates.   If the gains are significant, the lower capital gains rates could save many thousands of dollars.

If under age 59 1/2, you will need to pay the 10% additional  tax on the basis of the shares.  Typically, this is a small cost in relation to the money saved later when the shares are sold.

So while 401k IRA rollovers are popular due to the increased investment flexibility, there may be good reason to leave the funds in your 401k account.

Do you have a question or want more information about this issue?Talk to a financial expert in your area, no charge!

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How to Maximize the Payroll Tax Break

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Tuesday, December 20th, 2011

By Jonnelle Marte

Now that Congress, after weeks of bickering, seems poised to extend the 2% payroll tax cut,  some advisers are urging their clients not to put use those extra dollars in each pay check on everyday spending.

Lawmakers are hashing out a deal that would extend the payroll tax cut, which since January has temporarily reduced the 6.2% payroll tax to 4.2%. Next year, the break will cap out at $2,200. The amount of money involved may be so small many don’t notice it in their checks, which is why advisers are urging clients to take note of the boost, and use it to either maximize their retirement savings, pay down debt or budget for a major purchase. “The important thing is to not let that money get lost in your cash flow, because once you do it gets frittered away,” says June Walbert, a financial planner with USAA.

Of course, since the break has been in effect for a year already, the savings may already be taken for granted. but here is a look at strategies advisers recommend for making the most of the 2% tax break, assuming Congress manages to finalize the deal.

Pay down debt. Taxpayers may want to calculate how much they’re expected to get back over the year and use that chunk to pay down debt. For example, someone earning $50,000 should expect to save $1,000 over the course of the year may want to pay several car payments at once, knowing they’ll get the money back over the year, says Walbert. Consumers can also use the money to reduce credit card debt, especially on high interest cards, says Frank Armstrong, president of Investor Solutions, a registered investment adviser in Miami. For instance, someone getting $80 more a month can increase their monthly credit card payments by that same amount, he says. “You’ve got to get rid of that ugly credit card debt,” he says.

Boost retirement savings. while the payroll tax cut can put a little more cash in your pocket, advisers point out that cash will take people further if it’s invested. Those who haven’t maxed out 401(k) contributions may want to increase allocations by about 2%, says Armstrong. Others may consider opening an IRA, in which investors may find lower expenses and more options, adds Armstrong. And in a Roth IRA, the money can grow tax free until retirement and multiply over time. For instance, $1,000 invested in a Roth IRA can grow to $5,000 over a 20-year period with an average 8% total return,  says Walbert.

Budget for a big purchase. Taxpayers should keep in mind that the extra cash they would get from the payroll tax cut could be set aside to cover upcoming expenses, advisers say. while an extra $40 a paycheck may not feel like a lot, over the course of a year it could be enough to cover a laptop for a child heading to college. Savers could also stash the money each month to use it toward buying a home appliance, says Walbert. but before using the tax break as an incentive to take on more debt, keep in mind that the break is temporary, warns Walbert. “I would proceed with caution counting that into my regular budget because it’s not going to be there forever,” says Walbert.

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Categories : roth ira and ira
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AMAC Kicks off Drive to Save Social Security

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Sunday, December 4th, 2011

(PRWEB) November 23, 2011

“We need to save Social Security – and we need to save it now,” said Dan Weber, president and founder of AMAC, the Association of Mature American Citizens.

Kicking off a national drive to get support for AMAC’s proposal to keep the Social Security program solvent for the next 75 years, Weber, who heads the 250,000 member organization of older Americans, said “There is a simple, painless solution to fixing what is wrong with our Social Security system that is gathering bi-partisan support. We’ll be getting our message out to the people to urge their Senators and Representatives to join together in this effort.”

There are two problems that threaten the system, according to AMAC. People are living a lot longer, and there are less workers putting money into the system. Combined, these situations create a tremendous pressure on the financial stability of Social Security.

The AMAC solution provides for a set back in ages for people to begin to receive Social Security benefits along with an adjustment on the Cost of Living Adjustment (COLA), while at the same time allowing for a new Social Security IRA. the proposal is adapted from proposals from Senator Kay Bailey Hutchison and others that have so far failed to take hold.

Weber said, “By including a supplemental payroll deductible IRA, the plan would help workers to have an additional windfall of between $165,000 and $350,000 in addition to the regular earned Social Security benefits when reaching retirement age.”

When asked about the prospects of it being passed into law with all the fighting that seems to be going on in Washington DC, Weber said “I don’t believe this is a Do-Nothing Congress. the AMAC proposal is a win-win solution for all, and the time has come for us to ensure that Social Security continues to be here for our children and grandchildren.”

Read the full story at prweb.com/releases/2011/11/prweb8989526.htm

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Categories : simple ira
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Farnoosh Torabi: Don’t neglect retirement savings

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Friday, December 2nd, 2011

Personal finance experts Farnoosh Torabi, Jean Chatzky and Stacey Tisdale advise viewers on how best to handle student loan debt.

TODAY Money financial expert Farnoosh Torabi joined us for a live Web chat Wednesday to answer your questions.

Here’s one of her answers to questions from the live chat. (See below for the full Q&a and video of Farnoosh’s TV appearance this morning.)

Here’s one of her answers to questions from the live chat. (See below for the full Q&a and video of Farnoosh’s TV appearance this morning.)

Steve asked:

“I am considering NOT investing in 401k (no match) or Roth and instead ramp up paying down my current mortgage on rental home. My justification would be once paid off I’d continue to rent (2k/mo) and be source for long-term income. I’m 42 single, no kids. Stable job, renting out a condo. Mortgage is 15 yr 4% fixed..thanks!”

Farnoosh replied:

“I would hate to see you neglect your 401k or ROTH. it may take many many years before you pay off your mortgage and in the meantime you’ve missed out on major opportunities to save for retirement. And as we know with any kind of investing, the earlier you start, the more you can build. if there’s any way to even just pay up to the annual max on a ROTH ($5k) I’d do that.”

Here’s the full chat archive:

If you have a question for our TODAY Money experts, submit it here. 

To sign up for an e-mail reminder for our next chat, click here.

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Categories : 401k to roth
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CD options are matter of principal

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Thursday, December 1st, 2011

November 06, 2011

DEAR BRUCE: I am 84 years old and have two CDs worth about $230,000. I have my three adult children registered as equal principal beneficiaries. What are their options upon my demise? can their shares be rolled over into their IRAs, and the required minimum withdrawal be based upon their reaching 70½? Or must their withdrawal be based on my age? Is there a time limit for them to withdraw their shares? Where can I find an explanation of such benefits?

DEAR F.D.: I?m assuming that your $230,000 is in some type of tax-sheltered environment: IRA, 401(k), 403(b), etc. there are various regulations with regard to how such money has to be distributed — taxes paid, etc.

Failing that, if these are just ordinary CDs and they have your children’s names on them and have been properly set up (payable on death or something similar), the money will be split three ways upon your demise and taxes, if any, will have to be paid. the attorney advising the executor of your estate can determine precisely what your children’s rights are.

Without the specifics of this money and perhaps other monies that are in your name, it is difficult to give a very specific answer. the research involved and the costs should be minimal. I would do this immediately. it?s much easier for you to straighten out problems now than it will be for your estate after your demise.

DEAR BRUCE: I have an opportunity to collect two full pensions on my 55th birthday. I am now 49. 1) What do you think about forgoing the spousal survivor benefit and compensating with a term life insurance policy with my wife as the beneficiary? 2) Is there a rule-of-thumb formula to determine how much money to insure myself for? the total pension will be a minimum of $4,200 per month, without the spousal survivor benefit, and the mortgage will be paid off on the same date. My annuity will provide around $300,000, but we will have to purchase our own health insurance. Thank you.

DEAR D.P.: the proposal that you are making is very common, but it does have one important item that is not unique to all of us, and that is good health and insurability. the idea of forgoing the spousal survivor benefit — in other words, leaving your wife with a lower income until her death, is often not the best choice. there is no rule of thumb that I know of. you will have to do the math, looking at your income on the two benefits.

The other variable in this situation is that if you pass away, your wife will have the entire amount that the difference would have purchased, which is often more then would come to her with the survivor benefit. Further, if she passes away very quickly, that amount of money would be in her estate, which could be passed along to whomever she chooses.

I would elect to go with the insurance. Buying the insurance now at age 49 would give you a lower premium, even though the net cost would be higher. you will be developing some cash value in the policy, but more important is that you have no way of knowing whether you will be insurable six years from now. If you are insurable now and you wish to pursue this, consider taking out the insurance and guaranteeing the availability.

DEAR BRUCE: please explain the gift tax. When does it apply? who pays the tax? Thank you.

M.C., Inverness, Fla.

DEAR M.C.: the amount that you are allowed to give without any tax implications to you or the receiver is $13,000 per year, per person. In other words, every individual can give anyone else, without regard to their relationship, up to $13,000 without any tax implications. If you are a married couple and you want to give more to one of your children, each of you (assuming you file a joint return) can give that same amount of money with no tax consequences. If you wish to give more, you can claim against your lifetime estate. you would not be allowed to leave as much tax-free after your death, but you would likely not exhaust the exemption. the death tax, however, is under consideration for change by Congress. If you give away more than the exclusion available when you pass away, there would be some estate tax.

DEAR BRUCE: I would like to know if, when a person goes to a nursing home and has CDs that list either/or on the CD, whether those CDs have to be included when stating the person’s net worth. My mother has some CDs that have either/or on them with my brother’s and sister?s plus my name on them. I am not sure whether I asked this question right. Thank you.

DEAR JANICE: If your mother goes into a nursing home, she?ll have to fill out a financial form. If she applies for Medicaid, all monies up to a very small amount must be spent on her behalf. If assets remain upon her death and she has collected Medicaid, the state has an option of going after those assets. Many people scurry around and try to shelter this money from Medicaid. the best way to insure that is to give away funds exceeding the look-back period, which is 36 months. If your mother is not going to be in a nursing home after that look-back period, and she?s comfortable with giving the money to you guys knowing that you will spend it on her behalf, that?s OK. the reality is that most people who do go into nursing homes seldom live more than three years. If you or your siblings dissipate the funds, you will put yourself in some peril.

DEAR BRUCE: My wife and I are planning on setting up a will or living trust but are undecided on what would be better. We own our home and some other real estate. Stocks and mutual funds have transfer-on death beneficiaries on the accounts. can a legal assistant create wills and living trusts legally under Florida law?

DEAR J.W.: you can write your own will, and as long as a legal assistant or some other person doesn?t hold themselves out to be an attorney, they can help you draw a will or a trust. you can even buy forms in office-supply stores. That said, I think the only intelligent thing to do is to have your will set up by an attorney. In the event there are no other things to be considered — real estate, personal items, cash, etc. — the will need not be filed.

Whether you are better off with some combination of trusts and a will is another matter. If your estate is substantial, you really should sit down with a qualified planner who can tell you some of the peculiarities of the law and how you can best arrange for the least painful way to transfer those things you have acquired in life.

A lot of people seem to fear probating a will. this is not a painful process. Trusts, however, can offer a couple of benefits. one is privacy, as a will is a public document. second, if the trust has been set up properly with a professional, it?s possible that expenses that might otherwise be charged to probate the will would exceed the costs of setting up the trust. you should make sure that (in most cases) the trusts are fully revocable, which means you can cancel them as long as you are alive and competent, change beneficiaries or eliminate them altogether if you so choose. If you set up a trust and that person predeceases you, there is a question as to whether their beneficiaries would benefit from the trust or it would simply cease to exist and go back into your general estate. obviously, this can get rather complicated.

DEAR BRUCE: My husband recently transferred $20,000 to one of my accounts, unaware that this could cause tax implications for us. will this amount be subject to any federal or state taxes? We have since made the account a joint one. — N.M.. via email

DEAR N.M.: I?m a bit confused. you say that your husband put money into one of your accounts. why would this cause tax implications? Assuming that you file jointly and you haven?t separated your funds, I know of no reason why a husband and wife can?t give money to each other without any tax implication. there may be something I?m overlooking, and, if I am, I?m confident my readers will be generous and let me know, which I will address in a future column and will respond back to you.

(Interested in buying or selling a house? Let Bruce Williams’ “House Smart” be your guide. Price: $14.95. Price includes shipping and handling. Send check or money order payable to Radio Merchandise to P.O. Box 7150, Hudson, FL 34674.

Send your questions to: Smart Money, P.O. Box 7150, Hudson, FL 34674. E-mail to: . questions of general interest will be answered in future columns. Owing to the volume of mail, personal replies cannot be provided.)

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Categories : iras
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How do i raise funds to put up a private museum for endangered enthnic minority tribes in kenya?

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Monday, September 12th, 2011

There some communities in Kenya which are in danger of becoming extint i would like to put up a museum to store some of their artifacts before they also diseappear

Maybe you can tell some of your friends about it and see if they can help?

Ask around neighborhoods to see if any of them are interested in helping you

Post it up on a website that gets visited daily and make yourself known on the internet

I myself don't really know how to start fund raising sadly because I'm only 14, but anyways, Making a museum is hard work considering the amount of money that is needed.

Also, I don't know if museums do this, but you can go to a local museum and ask them if they want to set up a new exhibit about the tribes and then ask the tribes for some of their artifacts in case if they call die out (Good luck explaining that to them…), that way I think would use less money on your part but again, I'm not a fundraiser.

What does this have to do with LGBT?

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Categories : kenya
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Why are annual IRA contribution limits so much lower than 401k contribution limits?

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Wednesday, September 7th, 2011

It seems odd that those with 401ks are able to contribute so much more annually than those with IRAs. why are the maximum contributions for each so different?

Good question. I think it is due to tax purposes.

The IRS knows about the origin of any money going into a 401K. It has to come from legitimate income that is reported to them. IRAs are different, it involves after tax dollars. The IRS gets its cut before you put it in, but they probably don't want people bending laws by adding in illegitimate money.

401k money is not deducted on your taxes. IRA contributions are deducted.

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Am I required to contribute a percentage from my salary to a SEP-IRA that the employer has set up?

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Wednesday, September 7th, 2011

I have been told that I am required to contribute a set percentage of my salary into the SEP IRA that the company has set up. But in some research that I've done, it looks like the employer contributes money of their own, and that the employee is NOT required to contribute out of their salary. does anyone know the rules for an SEP IRA?

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Categories : ira rules
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