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Last Post: 5/31/2009 12:40:43 AM - Followers: 4 - Board type: Free - Posts Today: 0

Taking care of our future and our families.... "...Using history as a guide: During the 1990s, it was hard to ignore the stories of overnight stock market millionaires. For a while it seemed that the stock market was a guaranteed way to get rich. Some investors even began to expect their investments to double in value in a matter of months. But as many of those investors learned in 2000, stock market declines are inevitable and can wipe out easily made gains. The Standard & Poor's (S&P) 500 index a useful representation for the U.S. stock market has averaged a 12% annual return since the 1920s. But 12% is a deceptive number because it's only an average. And, in fact, the history of the stock market is littered with dramatic boom and bust cycles. Some years, the S&P 500 may gain as much as 37.5%, as it did in 1981. Other years, like 2000, it may lose 9%. It is only when you average the indexes returns over many years that you arrive at a 12% return. The more extreme years have occasionally fueled investor perception that the market will always go up or that it will stay down forever. As a long-term investor who is focusing on a specific goal, you need to get too worked up about one year's performance. Instead, keep your eye on your chosen benchmark...." TAX TIPS Very Useful Link: tax tips for daytraders: tax chat for traders: HEALTH INSURANCE What do I need to know about Managed Care Insurance: HMO, PPO, & and POS plans? An HMO provides comprehensive health services to its members for a prepaid fixed fee, equivalent to an insurance premium. A PPO differs from an HMO in that the PPO has no separate physical facility in which to see patients. Patients visit their family physician and community hospital as they normally would, and if these service providers have contracts with the PPO, services will be paid for by the PPO at the contracted rates. COMPUTER INSURANCE Insurance will cover any homemade or custom-built system, but you will need to have proof of ownership of each of the individual parts within the computer to file a claim. LIFE INSURANCE How much Life Insurance do I need? Every person has a different idea of what financial security means. If so, should happen to you, how much money would you family need? You should consider: - Your current debt. - Expenses your family can expect to pay after your death. - Your family needs. A general, rule of thumb to calculate your life insurance needs is to multiply your annual salary by seven. LTD - Long Term Disability LTC- Long Term Care ...etc, etc, etc..... This board is designed with every intent to become aware of benefits that would apply to a professional trader or any independent contractor. Perhaps you are not certain of your choices? Every person has their own situations, and questions. Hopefully this board can create an ongoing forum of great links and helpful tools from the experiences gained from ihubbers who have already made great (or lousy) choices. Please feel free to contribute any and all information, as some posters are considering becoming self employed through the market activities. We can all win here.
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#44   2 years later..........;) lady*b 05/31/09 12:40:43 AM
#43   Farewell ihub board!!!...I'm saying goodbye to those that badknees29 09/21/07 08:44:31 AM
#42   do we buy in now, or do we badknees29 08/10/07 08:35:13 AM
#41   thanks puppman, im not a huge penny stock badknees29 07/27/07 08:40:42 AM
#40   Interesting thoughts BK. I think you are puppman 07/26/07 11:21:20 PM
#39   my opinion now is that engergy is going badknees29 07/26/07 04:45:45 PM
#38   i would like to add to the focus badknees29 07/26/07 04:44:04 PM
#37   its been awhile but its not bad to badknees29 07/26/07 04:40:38 PM
#36   reasonably sound............. EZ2 01/10/07 07:06:36 AM
#35   IRA's ~~~~~~~~~~~~~~~~~~ EZ2 01/09/07 06:08:49 AM
#34   fairly sound perspective............ EZ2 01/06/07 08:20:58 AM
#33   repost................. See IRS wash sales EZ2 01/04/07 09:32:56 PM
#32   great post ezcomngo... badknees29 01/04/07 08:47:02 AM
#31   IRA Distributions Directly to Charity EZ2 01/04/07 04:30:10 AM
#30   OT: Report: Marsh Find Buyer for Putnam EZ2 01/01/07 05:31:17 AM
#29   ez2 its a pleasure to have you join badknees29 12/27/06 07:07:32 PM
#28   Are You Really a Long-term Investor? EZ2 12/27/06 09:51:32 AM
#27   Perception vs. Reality — Focus on What Matters EZ2 12/27/06 09:48:51 AM
#26   lady1242 led me over here ~~~~~ and, glad EZ2 12/27/06 09:42:08 AM
#25   If an insurance company offers individual health insurance lady*b 12/12/06 11:11:23 PM
#24   avg. cost of a nursing home in 2015 badknees29 12/09/06 01:16:19 PM
#23   Its nice to see that alot of companies badknees29 11/30/06 09:16:55 AM
#22   End of year tax questions will be coming lady*b 10/28/06 10:08:57 AM
#21   the popular new investment type "ETF's" badknees29 09/15/06 10:56:40 PM
#20   another article on stocks vs funds badknees29 09/15/06 10:54:16 PM
#19   article on stocks vs. mutual funds. badknees29 09/15/06 10:53:40 PM
#18   online resource guide for IRA's for individuals and badknees29 08/27/06 07:21:09 PM
#17   CD vs. Fixed Deferred Annuity badknees29 08/27/06 07:17:03 PM
#16   plan's and contribution limits for 2006, if you badknees29 08/27/06 07:04:22 PM
#15   Long term disability checklist and information badknees29 08/27/06 06:57:40 PM
#14   awesome lady thanks for the posts badknees29 08/27/06 06:54:09 PM
#13   Buying Life Insurance: Term Versus Permanent lady*b 08/27/06 06:26:08 PM
#12   A New Approach To Long-Term Care Insurance lady*b 08/27/06 06:23:46 PM
#11   Personal Pensions: Repackaging The Annuity lady*b 08/27/06 06:21:16 PM
#10   ill have that for you shortly...theres a couple badknees29 08/17/06 11:57:16 PM
#9   Bad, I want information on obtaining life coverage lady*b 08/15/06 11:01:03 PM
#8   will have some extended care programs information links badknees29 08/15/06 10:59:13 PM
#7   Thanks hank and welcom to the board. Where badknees29 08/01/06 03:05:34 PM
#6   I"ll see what you got going read alot hank49304 08/01/06 02:53:41 PM
#5   Hi Bad congrats on your new board if The_radman 07/31/06 09:32:17 PM
#4   How many of you don't have health insurance badknees29 07/29/06 10:43:32 AM
#3   thanks puppman, its important information and to often badknees29 07/28/06 09:44:53 AM
#2   Nice Board Badknees puppman 07/28/06 08:51:12 AM
#1   hello all, this board is set up to badknees29 07/28/06 07:39:44 AM