Wow, I can't believe I wrote Wuality, and when I went to change it, the forum wouldn't let me. Oh well. I have some time to do some writing tonight. I provide high quality content at .02 per word, and will have your articles (max 5) tonight.In other words, I will write 5 articles guaranteed unique and finished within 3 hours. So either the first 5 people, or any combination of the sort, I will do 5 total. I may do more later if I have time. Please find samples below!! Please post in the thread and I will PM you Everyone wants to hit retirement with a nice nest egg saved up so that they may live life as they choose. After all, those are supposed to be the golden years, right? Well, not for everyone. One of the most important factors to being able to retire on time, and with enough saved to live the lifestyle you’re accustom to, is a good IRA plan. These savings plans are a great idea, because not only does it get you saving money, it also offers tax benefits. For people who do not have an employer 401(k) plan, an IRA is a savings necessity. As with any investment plan, trying to figure out the right IRA plan can be very confusing for the novice investor. As with any type of investment, you will want to do quite a bit of research before you get your money involved. There are two types of IRA accounts that are widely used. Both save the money in the same way, but they each defer your taxes in different ways. Deductible (Traditional) IRA: This IRA is for those folks under the age of 70 and a half, with earned income. This plan lets you save up to three thousand dollars in pre-tax money, and thirty-five hundred if you are over the age of 55. This allows you to shrink your taxable earned income by how much you contribute every year. Any money earned in the investment is done so without paying taxes, however you will be taxed on any money you pull out of the account. If you attempt to take out money before the age of fifty nine and a half, you will be subject to penalties. Roth IRA: This savings plan works in a different way. You may save up to three thousand in after tax dollars, thirty-five hundred if you are over 55. This means you get no tax deduction the year that you actually contribute money, however all of your earnings will continue to increase, and do so tax free. Also, when you take money out, you will pay no taxes. The money you invest must stay in the IRA for a minimum of five years, and you may withdraw them beginning at the age of 59 and a half. Both of these plans are very viable savings options. They both offer many benefits in a variety of ways, and can both help you save for your retirement. Sit down with your financial advisor or personal banker, most large financial institutions offer some sort of IRA option. -------------------------------------------------- Ingrained in every person is that individuals willingness to take risks, or risk tolerance, which when it comes to investing should not be ignored. Every legitimate financial planer or stock broker knows this, and should be able to help you determine what your level of risk tolerance is when it comes to investing. They should be able to work to find investments that are within your comfort zone. Figuring out your risk tolerance involves several different factors. You need to know how much money you have set aside solely for investments, and you need to know what your goals are, both in terms of investing and your personal financial situation. For example, if someone is planning on retiring in the next fifteen years, and has done minimal or worse yet, no saving at all, they are going to have to invest with a very high risk factor, and have a high risk tolerance. This is because you are going to have to make some high risk high reward investments to reach your financial goal. Those people that begin investing at a young age, can maintain a low risk tolerance, because they can watch there money grow slowly on its way to there long term financial goals. If you invest in the stock market and you watch the movement of you stock daily and saw that it was dropping slowly, what would you do? Are you going to sell that stock, or be patient and let it run its course? If you have a low risk tolerance, you are going to want out of that investment as quickly as possible… if you have a high tolerance, you would let your money ride and see what happens. This is not based on what your financial goals are. This tolerance is based on how you feel about your money, and more importantly how you feel about losing your money!