The Ramsey Show (November 30, 2021)




Fiscal Cliff 2013: How to Protect Your Retirement Assets Before January 2013

It’s all over the news. The fiscal cliff is coming and life is going to get harder for Americans, especially retirees! But what can you do about it? This article explores one powerful investment that could not only protect your savings but grow them in these uncertain economic conditions.

Intra-Family Loans – Promissory Notes – Appraisal and Valuation

Intra-family loans create wealth shifting opportunities. No tax liability. Basic Information. An intra-family loan is an estate-planning technique using a promissory note. Types of Intra-Family Notes. Benefits.

Will IBMs Watson Cause Job Losses In the Financial Planning Sector?

The other day, I was talking to an individual who just got a new job. They will be working in the financial planning sector as a financial investment advisor. I don’t envy them because I realize all the ongoing education and testing requires just to get the license and to maintain it – and that’s before you get a single customer. As I got to talking to them about asset allocation and diversifying of investment portfolios, they explained to me that the firm they had signed up with had all of that under control.

Legacy Pension Costs Killing Earnings – A Problem for Multinational Corporations Considered

Not long ago, I was listening to CNBC and they were interviewing a union representative who claimed that their company had wronged the employees by not funding the pension in over three years. It turns out that the company had emerged from bankruptcy and could not make those contributions because they were not profitable yet. They had previously given into union demands, and there just wasn’t any money left over.

Is an IRA or 401k Really the Best Plan for My Money?

Many people these days are finding out just how insecure and unstable traditional 401k and IRA’s really are. In this article, we’ll share with you some much better choices you have, and how you can set up your money to work smarter for you.

Seven Promissory Note Myths and Seven Myth Busters

Myth #1: The value of a promissory note is clear and obvious-it is not debatable. Myth #2: The cash value of a $50,000 promissory note is $50,000-just like a bank CD. Myth #3: Investing in a promissory note is low-risk investing-just like buying a bank CD. Myth #4: Doing a foreclosure to collect on a defaulted promissory note is quick, easy, and inexpensive. Myth #5: Selling a promissory note is quick, easy, and inexpensive. Myth #6: Any licensed attorney can do a good job preparing the promissory note and supporting documents. Myth #7: Experienced promissory note experts and teachers are abundant, and can teach you the business quickly, easily, and inexpensively.

Retirement Planning – You Are Never Too Young To Think About This

If you are the type of person who wants to plan for his future, then it’s quite possible that you plan ahead even while you’re still young. Too many people nowadays find it hard to live their senior years because they don’t have money to spend.

Women Over 50 – 5 Tips For Financial Independence

Women over 50 seeking financial independence should follow these 5 tips. Outlined are tips on creating more income, investing the surplus and tax savings.

Give the Gift of a Roth IRA

This past summer, my business partner’s son turned 21. In addition to a beer brewing system, she also gave him a gift with an eye on his future- a Roth IRA. It got me to thinking about what a great idea that was and how other parents and grandparents can help their children and grandchildren get a head start on their retirement savings.

It’s The End Of The World As We Know It, And I Feel Fine!

It seems like anyone old enough to remember the 2008 crash is decidedly bearish and absolutely convinced that the next crash is just moments from impact. Of course they’ll be right at some point, likely early next year. The market has a couple of things going for it, one big aspect being disbelief, and that markets never crash when everybody expects them to.

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