When most people look at a debt situation and they try to think about consolidation possibilities, they don’t see what the big deal is. They think, “Isn’t this just a way of transferring your debt from one creditor to another?” Though that is certainly a valid way of looking at things, it does not tell the whole story about consolidation. Hector Milla Editor of the “Credit Card Debt Counseling” website — http://www.CreditCardDebtCounseling.biz — pointed out;

Let me start out by saying that the writer (Mike Brush) is very open and honest about his performance, which is refreshing, yet I am always skeptical of FREE IDEAS like these, which is why I never give any that someone else didn’t before. So, maybe the following article will help you determine if these stocks are worth buying right now or not. #1 The first pick is a gold stock from Great Basin Gold Ltd. They trade under the ticker symbol GBG on the AMEX. I’m just going to get right to it – RIGHT NOW, THEIR BUSINESS SUCKS. In fact in the last decade they have never made a single penny on their sales. Last year the company lost $42 million on $48 million in sales. I agree with Mike Brush on the basis that the dollar weakness is and will push gold prices higher, but if that’s the…

The American Council of Life Insurers today blasted a newly floated tax proposal on unearned income — part of a series of suggested changes to the Patient Protection and Affordable Care Act of 2009. President Barack Obama on Thursday will present a series of changes to his health insurance reform package, including a 2.9% tax on income from interest, dividends, royalties, rents — and annuities. Single taxpayers with more than $200,000 in income and married couples making more than $250,000 and who file jointly would be affected. The money from the taxes on unearned income would go toward the Supplemental Medical Insurance Fund, while additional revenue from taxes on earned income would help fund the Medicare Hospital Insurance Trust Fund. Not surprisingly, the life insurance industry opposes the proposed changes, which were unveiled Monday. Industry groups claim that Americans already have problems securing their retirement income and that the tax would…

By integrating annuities into financial plans, advisers can take precautions against their clients’ outliving their assets, according to a retirement income planning expert. Farrell Dolan, principal of Farrell Dolan Associates, yesterday led a presentation entitled “Income Strategy for Advisers,” at the Insured Retirement Institute’s annual marketing conference in New York. There, he presented what he dubbed “The Four Box Strategy of Income Planning,” a model that divides retirees’ expenses into essential and discretionary categories and then splits up the assets to tackle both needs. The concern in income planning is that clients underestimate how long they’re going to live, Mr. Dolan said. “Life expectancy is the wrong number for a number of reasons,” he said, pointing out that a 65-year-old couple has a 50% chance of turning 85. Rather, it makes sense to plan as if…

Investment adviser Richard Feight admits he’s not very good at brewing beer, but he’s found that the hobby helped him build business connections and network with clients. A few years ago, Mr. Feight, owner of IAM Financial LLC, bonded with one of his clients when they both decided to start brewing beer. The two joined other beer enthusiasts at local brew clubs, and it didn’t take long before he was meeting business contacts and prospective clients — including a well-known estate-planning attorney in East Lansing, Mich., area. “It was a great connection at that point and time,” said Mr. Feight, who had recently started his own practice after leaving his father’s advisory firm. “Sometimes you meet people in an unusual place.” For his part, Mr. Feight soon discovered he’d rather sample other beers than make…