Mandatory annual distributions from traditional individual retirement accounts.
INTRODUCTION When the owner of an individual retirement account (IRA) attains the age of 70 1/2 years, the Internal Revenue Code (IRC) requires the owner to begin taking mandatory annual distributions (MADs) from the account; and when the owner dies, even if the death occurs before age...

Social insecurity: linking retirement and personal responsibility.
ONE OF THE GREATEST fruits of high productivity and rising incomes in a country like the U.S. is the financial ability people have to retire. This possibility was beyond the imagination of pre-World War II workers and is still far beyond the expectations of most people living in Third...

PSB offers campaign templates for savings products.
Multimedia templates for "bump-up" certificates and individual retirement accounts (IRA) have been offered by PSB of Lake Forest, Calif. Each campaign includes components for cable TV, radio, print, direct mail and in-brand support. Financial institutions can customize the campaigns by incorporating their own branding, company graphics and...

Boost college savings.
Byline: The Register-Guard If Oregon can't afford to freeze college tuition rates that are already too high, the least the state can do is make it easier for families to prepare to meet the rising costs of higher education. House Bill 2462 would do that by doubling...

Company stock: how much is too much?
After Enron, WorldCom, and a host of other public companies that either have collapsed or taken nose-dives in value in recent years, you would think workers would know better. Common wisdom among financial advisors is that workers participating in company-sponsored 401(k)-type retirement plans generally should have no more than...

Annuity vs. lump sum--investors choose wisely.
NTCA's Retirement & Security (R&S) Program offers participants the option to take a lump-sum payment in lieu of a monthly annuity at retirement. In making this decision, retiring employees also should consider whether they want to become investment managers after retirement. In taking a lump-sum form of...

How are asset holdings different between non-homeowners and homeowners among near-retirees?
Introduction For many years, purchasing a home has been considered a good way to increase families' assets and use the accumulated wealth towards retirement. Along with a recent escalation in the cost of homes and mortgage interest rates, the current trend of more people renting rather than...

For better or worse: financial decision-making behavior of married couples.
Abstract This study constructs a theoretical model of household bargaining to explain the financial decision-making behavior of married couples. We empirically test our model using data from the 2000 Health and Retirement Study (HRS). The HRS is unique among national data sets in that it identifies the...

Quick Reference to IRAs, for 2005 Contributions, 2006.
0735553718 Quick reference to IRAs, for 2005 contributions; 2006. Lesser, Gary S. and Donald R. Levy. Aspen Publishers, Inc. 2006 --- pages $225.00 Paperback KF3510 The 2006 edition of this well-organized...

A nation of spendthrifts?
Byline: The Register-Guard Last week's report that Americans' savings rate had dipped into negative territory for the first time since 1933 triggered a spike in the head-shaking index, as commentators deplored Americans' spendthrift ways. Ben Franklin, Alan Greenspan and your rich uncle agree that saving is a...