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An Abney Associates Ameriprise Financial Advisor

Grunnleggende av funksjonshemming forsikring Funksjonshemming forsikring betaler fordeler når du ikke klarer å tjene til livets opphold fordi du er syk eller skadet. De fleste funksjonshemming politikk betaler du en fordel som erstatter en prosentandel av inntekten opptjent når du ikke arbeider. HVORFOR MÅ FUNKSJONSHEMMING FORSIKRING? Sjansene av tilværelse ufør lengre enn tre måneder er mye større enn sjansene for å dø for tidlig, grunn i del til medisin som har gjort mange dødelige sykdommer behandles. (Kilde: 1985 kommisjonær personlige funksjonshemming tabell A - nyeste datamaterialet.) Selv om dette er gode nyheter, øker det behovet for å beskytte din inntekt med funksjonshemming forsikring. Vurdere hva kan skje hvis du LED en skade eller sykdom og kunne ikke arbeide for dager, måneder eller år. Hvis du er singel, har du andre former for støtte? Hvis du er gift, kan du stole på din ektefelle for inntekt, men du sannsynligvis har også mange økonomiske forpliktelser som støtter barna og betaler boliglån. Kunne din ektefelles inntekt støtte hele familien? I tillegg, husk at du ikke trenger å arbeide i en farlig posisjon trenger funksjonshemming forsikring. Ulykker skjer ikke bare på jobb, men også hjemme, og sykdommen kan slå noen. Hvis du eier en bedrift, kan funksjonshemming forsikring beskytte deg på flere måter. Først kan du kjøpe en personlige politikk som vil beskytte din egen inntekt. Du kan også kjøpe sentral person forsikring for å beskytte deg mot effekten som å miste en viktig ansatt vil ha på din virksomhet. Til slutt, kan du kjøpe en funksjonshemming forsikring som lar deg å kjøpe partnerens business interesse at han eller hun blir deaktivert.  (Sep 7, 2014 | post #1)

An Abney Associates Ameriprise Financial Advisor: Other I...

A well-diversified investment portfolio contains a mix of stocks, bonds, short-term cash investments, and savings accounts that is tailored to your investment goals and risk tolerance. If you want to diversify your investment portfolio further, you can look to other investment possibilities. Here are a few of these, with brief explanations of what they are, how they can be used, and what the risks and potential rewards may be. PRECIOUS METALS Some investors purchase silver or gold as a hedge against inflation or currency fluctuations. In general, as inflation rises, the value of the dollar normally goes down. Historically, when a significant drop in the dollar occurred, gold and silver (and platinum to a lesser extent) went up in value. Precious metals such as gold had a tendency to retain their purchasing power no matter how badly the currency declined. Precious metals have intrinsic value, while currency can literally become worth less than the paper it is printed on, as was the case with the German mark after World War I. Keep in mind, though, that past performance is no guarantee of future results, and there can be no assurance that an investment will ever be profitable. As with any other investment, risks are involved when investing in gold. These include certain risks uncommon to other types of investments, such as monetary policy changes and currency devaluations. Investors should discuss the risks of investing in gold with their financial professional. Some options for investing in precious metals include actually purchasing the asset (i.e., gold bullion or coins), buying shares of mining companies, investing in a fund that concentrates its portfolio in the securities of issuers principally engaged in gold-related activities, buying futures or options contracts (see below) or investing in an exchange-traded fund that holds bullion. Article Source: http://www.ameripr iseadvisors.com/te am/abney-associate s/articles/27/othe r-investments/  (Jul 17, 2014 | post #1)

Business News

Förståelse investeringen termer och begrepp

Abney Associates Ameriprise finansiell rådgivare, Förståelse investeringen termer och begrepp Nedan är sammanfattningar av några grundläggande principer bör du förstå när du utvärderar en investeringsmöjlig het eller att göra ett investeringsbeslut . Lita på, det inte är rocket science. I själva verket ser du att den viktigaste principen att basera dina investeringar utbildning är helt enkelt bra sunt förnuft. Du har beslutat att börja investera. Om du har haft liten eller ingen erfarenhet, är du förmodligen oroliga för hur man kan börja. Det är alltid klokt att förstå vad du investerar i. Ju bättre förstår du den information som du får, desto mer bekväm du kommer att vara med den kurs du valt. INTE SKRÄMMAS AV JARGONG Oroa dig inte om du inte kan förstå experterna i den finansiella median direkt. Mycket av vad de säger är jargong som är faktiskt mindre komplicerat än det låter. Tveka inte att ställa frågor; När det gäller dina pengar, är bara dumma frågan den du inte frågar. Vänta inte att investera tills du känner att du vet allt. Mer om: http://www.ameripr iseadvisors.com/te am/abney-associate s/articles/29/unde rstanding-investme nt-terms-and-conce pts/  (Jun 10, 2014 | post #1)

Deciding what to do with your 401(k) plan when you change...

Abney Associates Ameriprise Financial Advisor - When you change jobs, you need to decide what to do with the money in your 401(k) plan. Should you leave it where it is, or take it with you? Should you roll the money over into an IRA or into your new employer's retirement plan? As you consider your options, keep in mind that one of the greatest advantages of a 401(k) plan is that it allows you to save for retirement on a tax-deferred basis. When changing jobs, it's essential to consider the continued tax-deferral of these retirement funds, and, if possible, to avoid current taxes and penalties that can eat into the amount of money you've saved. TAKE THE MONEY AND RUN When you leave your current employer, you can withdraw your 401(k) funds in a lump sum. To do this, simply instruct your 401(k) plan administrator to cut you a check. Then you're free to do whatever you please with those funds. You can use them to meet expenses (e.g., medical bills, college tuition), put them toward a large purchase (e.g., a home or car), or invest them elsewhere. While cashing out is certainly tempting, it's almost never a good idea. Taking a lump sum distribution from your 401(k) can significantly reduce your retirement savings, and is generally not advisable unless you urgently need money and have no other alternatives. Not only will you miss out on the continued tax-deferral of your 401(k) funds, but you'll also face an immediate tax bite. Article Reference: http://www.ameripr iseadvisors.com/te am/abney-associate s/articles/65/deci ding-what-to-do-wi th-your-401k-plan- when-you-change-jo bs/  (Jun 10, 2014 | post #1)