small_business_CEO asked:


I’m a small business owner (4 full time employees) who does not offer any retirement plan or have one for myself. My employees are commission based only. What would be the best retirement plan for me and for all of us, individually? Thanks!

BANDY

Nadeem M asked:


When someone dies, leaving an estate to their beneficiary, it could include stocks, bonds, investment accounts, retirements, real property, etc.

I believe everything under $2 million passes to the heirs without any tax obligation. (Is this correct?)

My question is about the tax-deferred retirement accounts (non-ROTH) that collect ordinary income tax when you draw the funds. Would this tax be required from the heirs?

Thanks.

WAGNER

Christina asked:


My parents have reached their retirement age and are planning on buying a home in California. What percentage of their savings should go to the downpayment? They want to maximize the downpayment so that their monthly payment can be easily covered by their Social Security and pention. But I worry that they won’t have enough investment in other areas and will be short on the rainy-day funds. Please help!
Not that I didn’t try…. Grandparents always want to stay close to the grandkids. My husband and I are probably going to be in Ca long-term so that makes it impossible to convince my parents to consider other states. They are not millionairs and they are not going to invest in real estate. Just want to get themselves a place to live and still have some extra money for day to day spending.

CLOUD

WalpurgisMoon asked:

(Part 2 of Mr. Pogo asks Onita to tag with him)

I’m not 100% sure what is happening here, I think it has something to do with Pogo’s retiring. Anyway, Onita doesn’t seem too pleased and starts pulling Pogo about, (at one point he rams his head into the floor), Hayabusa hovers around and Pogo and Onita end up bowing traditionally on the floor together and crying. Onita keeps repeating “Arigato Pogo-San” and the sound of Pogo’s wheezy crying fills the room, Tanaka cries throughout, even the cameraman in the corner joins in – but ironically (or least not audibly) Hayabusa doesn’t.

Atsushi Onita and Mr.Pogo got back to their eternal feuding after Onita’s round 2 bomb match with Sasuke.
============================================
I have had an attempt at listening to what they are saying, I DO NOT SPEAK JAPANESE FLUENTLY (yet), but I am learning and its kind of hard when I have to be completely self taught because I dont know anyone Japanese to practise on and I have my reasons for never ever wanting to go back into a classroom or school ever again, so if anyone does speak Japanese and can understand what their saying…please let me know.
This is what I have managed to get so far, (and since Onita speaks in barely audible Japanese), its not that easy. This is only an attempt, I dont claim it as fact:-

Onita (When slapping Pogo around): Something about being heedless and uncaring.

I have no proper idea what Tanaka shrieks at first, (it sounds like he says something about the spirit going out), but later he says something to Hayabusa about assistance, it sounds like Tanaka is asking a question as he uses DESU KA at the end.

Onita when standing, (and after snatching his arm away from Tanaka), says what sounds like “FMW SHA MUDA”. I’m not too sure what that means but it could mean something like that things will never be as good again.

Nakagawa is a little easier to understand as he speaks more clearly than either Onita or Tanaka. He says something about the “original business” The “going out” of Pogo and something about “substitution”.

I can’t understand anything Pogo’s saying as his wheezy crying gets in the way, aside from “Arigato Pogo-San” and “Hai” (Yes) – there’s nothing more I can gather from it.

POLK

MEGAMANIA asked:


I’m employed with the local public school system. I began working for them eight years ago. Through my employment, I have been having an amount deducted from my check to be placed in a retirement account through the school system. The system has been adding funds to it as well, but what I am concerned about is the part I have been contributing.

I have decided to leave my job and stay home with my kids full-time. Since my retirement account is not a 401K, it can’t be rolled over. So, I am assuming the school system will have to return my retirement contributions to me, minus what they have contributed and local taxes. Am I correct? If so, will this amount automatically be federally taxed, or will I have to report it on my next tax return?

I’m so confused! I don’t want to call my employer to ask these questions if I can help it, because I don’t want it to sound like I’m more concerned about my money than all they have done for me over the past few years.

SALGADO

InternationalLiving asked:

International Living talks about Panama, which it has consistently voted as the number one retirement destination in the world. Watch experts describe real estate opportunities and investment potential in this overseas paradise.

www.InternationalLiving.com

STEWARD

AssociatedPress asked:

President-elect Barack Obama is hoping to ease the burden on retirees by suspending the required minimum distribution rule. AP Personal Finance Editor Trevor Delaney explains how this could effect your retirement fund. (Nov. 14)

BERNAL

bettygirl asked:


I know that once I invest money in a retirement account I can’t touch it unless it’s for emergencies but I would like to know how does my money grow in this type of account and how soon can I see results?

SPEER