http://www.isnare.com/?s=author&a=Ken+E+Morris Finances Ken E Morris Fri, 02 Jun 2006 00:00:00 +0800 http://www.isnare.com/?aid=51909&ca=Finances If you initiated early distributions from your Individual Retirement Account (IRA) in the last couple of years using a Substantially Equal Payment plan, your annual distribution amount may be more than your current account balance can bear. You may think there is nothing you can do to alter your dis... Finances Ken E Morris Fri, 02 Jun 2006 00:00:00 +0800 http://www.isnare.com/?aid=51913&ca=Finances For many self-employed individuals and small business owners, employer retirement plans are a key part of retirement savings. Understanding how the employer retirement plan fits into an overall retirement plan is important to being able to plan adequately for retirement. Congress believes that emplo... Finances Ken E Morris Fri, 02 Jun 2006 00:00:00 +0800 http://www.isnare.com/?aid=51916&ca=Finances Did you know that a firm as small as one-person can establish a 401(k)? This is not a new phenomenon. It just never made sense under the old tax law. However, recent changes have made the 401(k) much more attractive for small employers. How attractive? Consider a sole proprietor at age 50, with Sche... Finances Ken E Morris Mon, 27 Feb 2006 00:00:00 +0800 http://www.isnare.com/?aid=36759&ca=Finances Many of us have heard the term “down-sizing”. Down-sizing in corporations has taken it’s toll on the American worker. Many people, ranging in age from their late 40s to early 60s, are faced with very difficult decisions. These middle-aged, middle managers are being asked to consider "early retiremen... Finances Ken E Morris Mon, 27 Feb 2006 00:00:00 +0800 http://www.isnare.com/?aid=36760&ca=Finances Obviously, nobody asked the marketing guys before coming up with this one. Who in the world thought up the name "non-qualified deferred compensation?" Oh, it's descriptive alright. But who wants anything "non-qualified?" Do you want a "non-qualified" doctor, lawyer, or accountant? What's worse is de... Finances Ken E Morris Mon, 27 Feb 2006 00:00:00 +0800 http://www.isnare.com/?aid=36761&ca=Finances When are Social Security checks potentially loans and not benefits? Why, when you have "excess earnings" of course. In today's economy, many senior citizens still work during their "retirement" either because they want to or, all too often, because they must to make ends meet. Retirees who want to w... Finances Ken E Morris Mon, 27 Feb 2006 00:00:00 +0800 http://www.isnare.com/?aid=36763&ca=Finances Despite the new tax rate reductions of the Jobs and Growth Tax Relief Reconciliation Act of 2003, the top marginal tax bracket for many retirees is a whopping 46.3%. Why? Because Social Security benefits are subject to income tax. Those affected are Social Security recipients who have the good fortu... Finances Ken E Morris Mon, 27 Feb 2006 00:00:00 +0800 http://www.isnare.com/?aid=36764&ca=Finances One of the great mysteries of personal finance is: How are social security retirement benefits calculated? The computation itself is something of a mystery. It's so complex that I'm not sure who could have dreamed it up. I am sure that most in Congress don't understand it. In this article we'll take...