Home – Stan Beutler, ESQ #stan #beutler, #esq, #20 #north #main #street, #suite #312, #st.

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Member: American and Federal Bar Associations

You can begin the QDRO process when you are initiating your divorce or legal separation. Mr. Beutler can prepare your QDRO form before you file your divorce or separation documents with the court, after you have filed but before the divorce has become final, or after your divorce is completed. He will draft your QDRO to conform with the language in your divorce or legal separation documents.

“I am a union employee. Mr. Stan Beutler prepared QDROs for my annuity and pension plans. They were approved by the union and the court without a glitch and no hidden fees. Thank you for your excellent service.”

“I am a union employee. Mr. Stan Beutler prepared QDROs for my annuity and pension plans. They were approved by the union and the court without a glitch and no hidden fees. Thank you for your excellent service.”

Hank Bolaski

Bronx, NY

“I called several “experts” but Mr. Stan Beutler was the only person who could answer all of my QUADRO questions. I was impressed that he answered the telephone and emails himself, and he provided me with personal service through the entire process.”

“I called several “experts” but Mr. Stan Beutler was the only person who could answer all of my QUADRO questions. I was impressed that he answered the telephone and emails himself, and he provided me with personal service through the entire process.”

Elizabeth Connors

Scottsdale, AZ

“Judge Beutler clearly explained the options available to me under my former husband’s CalPERS retirement and the options available to him with my CalSTRS pension. He prepared both DROs for us which were processed by CalPERS and CalSTRS without any problems or modifications. He was very professional and personable.”

“Judge Beutler clearly explained the options available to me under my former husband’s CalPERS retirement and the options available to him with my CalSTRS pension. He prepared both DROs for us which were processed by CalPERS and CalSTRS without any problems or modifications. He was very professional and personable.”

Cheryl Bronson

Marina Del Rey, CA

“Mr. Stan Beutler has drafted qualified domestic relations orders for our clients for several years now. He gives us personal service, and the QDROs are always correct.”

“Mr. Stan Beutler has drafted qualified domestic relations orders for our clients for several years now. He gives us personal service, and the QDROs are always correct.”

Cheryl Johnson

Paralegal, Dallas, TX

“Thank you attorney Stan Beutler for preparing my military order, and postal service TSP and FERS QUADRO orders. You explained my options and the process in a way that I could understand. Most importantly, the orders were approved quickly without any changes.”

“Thank you attorney Stan Beutler for preparing my military order, and postal service TSP and FERS QUADRO orders. You explained my options and the process in a way that I could understand. Most importantly, the orders were approved quickly without any changes.”

Robert Montgomery

San Diego, CA

“I am so grateful to you for your advice and for helping me finally get this whole QDRO matter resolved. You are indeed an honorable person and have given me renewed faith. If I ever get a chance to refer you to someone else, I will be sure to send them your way. I am eternally grateful to you.”

“I am so grateful to you for your advice and for helping me finally get this whole QDRO matter resolved. You are indeed an honorable person and have given me renewed faith. If I ever get a chance to refer you to someone else, I will be sure to send them your way. I am eternally grateful to you.”

Glenda Hunt

Fort Lauderdale, FL

Senior Living & Assisted Living Info From #senior #living, #senior #living #communities, #elder #care, #senior

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Senior Living Communities, Assisted Living Facilities and Senior Care

Welcome to SeniorLiving.Org. Our site was built to help educate seniors and caregivers about senior living, senior care and senior lifestyles. We also focus on helping seniors find care.

Just follow our 4 step approach to find the best senior care.

1. If you don’t understand the different levels of senior care available or the different lifestyle options available, check out our graphic representation of all the senior living options or read this article about senior lifestyles . This guide will help you understand retirement options like moving abroad for less expensive care, buying into a CCRC for high-end care, traveling the country staying in senior apartments and finding a different levels of local care. Senior Living is a broad term that include all the following options:

Independent Living

Continuum Care Retirement Communities

Congregational Care

Active Senior Apartments

Assisted Living Facilities

Skilled Nursing Centers

Alzheimer’s And Memory Care

In Home Care

Respite Care

Hospice Care

Veterans Housing

Cooperative Housing

Adult Day Care

In Home Health Care

2. Once you know what type of care you want or need, it is time to think about paying for it. First, think if you might qualify as part of a special interest or special needs group. Do you have special needs and potentially special services available to you. If you qualify to be part of one of these programs, they can have a big impact on the cost of care and the level of service. This can include:

There are also some other financial factors that can have a major impact on selecting the best care. Here are some other articles to help you think about your options.

  • Family based senior care
  • Supplemental Insurance
  • Leveraging your home to pay for care

For the lowest cost options, contact the Ombudsmen in your community. They are a government subsidized free senior care consultant and they are the best option if you are trying to find senior housing that you can pay for with only Medicare.

3. Once you have checked out your special options and finances, it is time to look for local options. You can enter your desired location into the search bar at the top of any page or browse by selecting a state and then city below. Then click on the tabs at the top to narrow your selection to a specific type of care in that area. Then you will see a list of your local options for the type of care you have selected. If a service qualifies for a special group, they will have an icon next to their listing. Click on the link to any service to get more information including types of care, surrounding options, costs, contact information, photos and more.

4. Visit our Senior Living Library to read timely and informative articles for not only seniors, but also family members and caregivers. If you need more assistance, fill out a form to have a senior living consultant contact you or call (866) 879-7473. You can also create an account to get extended access to the site.

The phrase “Senior Living” is a general term that includes all forms of senior housing, elder care and 55+ health care. This site includes information on all levels of care.

At SeniorLiving. we strive to be the most complete and unbiased source of lifestyle information for senior citizens and caregiver of seniors. We have tried to list EVERY elder lifestyle option (no kidding). We are constantly updating our data and finding new ways to allow you to find the help you need. If you can find another senior care site that is even close to our depth and accuracy, let us know.

In addition to being the most complete senior living directory, we are also focusing on retirement planning, money and finance for seniors because we know that the wave of 76 million baby boomers is probably under prepared for the difficulties of retirement.

Finding Senior Care from Retirement Communities and Assisted Living to Nursing Homes and At-Home Care

With thousands of photos, reviews, and complete contact information for 70,000 elder care services, you can’t find a more complete senior care resource. Select a state to get started.


Reverse Mortgage Watch, Australia – s leading on-line resource for reverse mortgages and senior –

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by daezy on June 4, 2017

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by Darren Moffatt on March 7, 2017

After a long absence being busy with my reverse mortgage broker Seniors First, I thought it was high time to provide a state of play update for Reverse Mortgage Australia in 2017. I m pleased to report it s mostly good news! The reverse mortgage market is perhaps the healthiest it s been in some years. There are [ ]

by Darren Moffatt on March 7, 2017

After a long absence being busy with my reverse mortgage broker Seniors First, I thought it was high time to provide a state of play update for Reverse Mortgage Australia in 2017. I m pleased to report it s mostly good news! The reverse mortgage market is perhaps the healthiest it s been in some years. There are [ ]

by Darren Moffatt 8 September 2014

There are media reports that many senior Australians are now starting to worry about government s plans for the aged pension and Newstart Allowance revealed in the recent budget. As the Federal Government announces new schemes as part of its $5.1 billion employment service program the unemployed may soon be forced to apply for 40 jobs [ ]

by Darren Moffatt 17 April 2014

Lots of ominous sounds coming out of Canberra recently for seniors. Firstly, the treasurer has been dropping big hints that the retirement age will probably rise to 7o years in the May budget. While it won t affect this generation of retirees, take it as done. The retirement age will go up Generation X and young [ ]

by Darren Moffatt 17 January 2014

Funny how attitudes change over time. When I started in the reverse mortgage industry in 2005, there was a widespread (though misinformed) view that reverse mortgages were evil or bad . That the banks would end up taking your home, and that spending the kids inheritance was selfish, irresponsible perhaps even immoral. Well not anymore! [ ]

by Darren Moffatt 25 November 2013

There s been lots of talk recently about increases to the aged pension age. Understandably, many seniors are upset. Last week the Productivity Commission, (the government s independent economic advisory body) released this report about ageing in Australia. It suggests that due to the rapidly ageing population and the huge pressures this will place on the government [ ]

by Darren Moffatt 7 November 2013

What started out as a fringe issue in the banking system is quickly developing into a major headache for many Australian pensioners. I m talking of course about the limited availability of reverse mortgage loans. I last wrote about it HERE, but things are much worse now, and there s a case to be made that banks [ ]

by Darren Moffatt 7 August 2013

With news yesterday that the RBA has cut the cash rate to a record low of 2.5%, many self-funded retirees are now really feeling the pinch. Since the GFC and the rapid decline in both share dividends and term deposit interest rates, self-funded retirees have struggled to generate a return off their investments that is [ ]


Annuities Explained #retirement #annuities #explained

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Annuities are contracts between individual buyers and insurance companies or mutual fund companies. The concept is straightforward and easily understood. The annuity buyer pays the company a sum of money and the company agrees to pay it back often at a later time.

This can provide a significant benefit for the purchaser by allowing him to defer income from his peak earning years to a later date when he is retired and earning less. It also can reduce the buyer s tax burden and make his retirement more comfortable and enjoyable. In some respects it can be said that annuity investments create a mechanism by which an individual can purchase an income for later in life when his earning power will be reduced by age and declining health and vigor.

Annuities are available to fill a wide variety of needs in addition to deferring income to a later date such as retirement. Another typical situation arises when an individual receives a lot of money at one time. This can also have an impact on his tax situation, which can be mitigated by an annuity.

Instead of purchasing an annuity with a monthly payment, the entire lump sum can be used as a single payment for an annuity. The annuity buyer can arrange for the company to pay out a lump sum later or he can decide to receive it incrementally when he retires.

Depending upon his tax situation, the buyer may prefer to begin receiving periodic payments on a monthly basis immediately. Although this is not the same as deferring payments until retirement, the buyer may need the additional income such an option can provide. The net impact on his taxes could be considerably reduced by spreading the income out instead of reporting it all at once as a lump sum. There are many companies in the market and a lot of opportunities to compare annuities.

All annuities are contracts, but not all annuities are the same. Two distinct types of annuities are widely offered, fixed and variable. Fixed annuities guarantee that the money in your account will never earn less than a minimum rate of interest and that the payments you receive will never be less than the minimum amount agreed upon in the contract. In a time of economic volatility, fixed annuities offer a welcome stability.

Variable annuities can provide higher rates of interest on your account and more generous payouts. The rates of return and the payments you receive from the company, however, will vary according to economic conditions. A lot of variable annuities will go up and down with the stock market or the S P 500. They offer greater potential returns but do so at the price of assuming greater risk than the fixed annuity. Variable annuities are also classified as securities and regulated at the federal level by the Securities and Exchange Commission. Fixed annuities are not considered securities and are consequently regulated at the state level often by insurance commissioners.

As a product, variable annuities include a mix of investment features. Some even include a death benefit like an insurance policy. Both kinds of annuities are contracts, however, and even though the concepts involved are clear and straightforward, any legally binding contract involves a lot of complexity and fine print.

For example, what happens if a financial setback compels you to withdraw your money from the annuity? Can you do it? Is there a penalty for early withdrawal, if so how much? Some annuities allow early withdrawal after a period of five year, or ten years in other cases. Make sure you know what your contract says.

Take the time to compare annuities offered by a wide range of insurance and mutual fund companies. Study the rates of return, penalties, administrative costs and options carefully. Given the competitive nature of the annuity market you can be sure the one you need is out there somewhere waiting to be found.


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Investing in annuities #annuities, #investing, #retirement

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How to buy annuities

Annuities come in many styles, but they share a common trait: The mere mention of them brings worried frowns to financial planners. That’s because many of these investment-cum-insurance products come with steep fees and confusing restrictions, detailed in contracts that are inches thick and difficult to understand.

Combine the complexity, fees and restrictions — some products charge as much as 8% if you pull money out in the first year or two — with commissions as high as 10% for the agents selling annuities and, some planners say, investors often end up with products that are unsuitable for them.

Still, annuities can hold a rightful place in some investment portfolios — but choose carefully.

Keep an eye on these items if you’re considering an annuity:

• Fees and restrictions: Annuities’ annual expenses vary widely. Find out how much you’ll shell out each year, and assess whether those fees are worth the benefits. Also watch surrender charges.

• Teaser rates: Confirm the rate of return the insurance company is promising, and for how long. For instance, a fixed annuity’s guaranteed rate may decline after an introductory period.

• Tax benefits vs. costs: You’ll pay ordinary income tax on payouts from your annuity, unlike the more favorable long-term capital gains rate you’ll pay on a regular mutual fund.

• Inflation costs: Even though guaranteed income is a major benefit of annuities, that income stream might not look so attractive once inflation takes its toll. You’ll likely pay extra for inflation protection, but it’s probably worth it.

• Obtuse contracts: Given the complexity of these contracts, have an independent financial adviser assess the details before you get locked in.

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Immediate annuity quotes SPIA #immediate #annuity #quotes, #spia #quote, #spia #quotes, #underwritten #annuity, #income #for

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Immediate Income For Life – Call 800-373-9697 for a quote or Click Here

Our Mission
It is simple! Providing the highest guaranteed income from the most secure and highly rated insurance companies. As a completely independent entity, SPIA Quote.com will provide an impartial recommendation based on pricing and carrier strength. If your health has been an issue, an underwritten age rated immediate will allow the insurance carrier to pay higher income due to the shortened life expectancy. For a quote call (800) 373-9697 or fill out our on-line immediate annuity quote request form.

Company Profile – About us
Over 20 years experience and a billion dollars placed with insurance companies!

I started SPIAQuote.com after being completely immersed in the immediate annuity marketplace for 10 years. Working directly under a 35 year industry veteran, we had our collective finger on the pulse of immediate annuities and felt it beginning to throb. Foreseeing an influx of new immediate annuity products and less experienced sales personnel, SPIA Quote.com was created to educate and simply explain what makes a quality immediate annuity product.

We have a client oriented approach that results in the highest income from the top rated companies. It is all guaranteed!

We are immediate annuity experts, try us and see why our clients say they are so glad they found us!

SPIA Annuity Brochure
Download our immediate annuity income brochure PDF here.

Contact Information
Feel free to contact us for personalized immediate annuity (SPIA) service.

Earnings and pre-tax premium payments are subject to income tax at withdrawal. Withdrawals prior to age 59� are generally subject to a 10% IRS penalty tax. FSD Financial Services does not offer tax advice. For specific tax information, consult your attorney or tax advisor. Product and feature availability, as well as benefit provisions can vary by state.


Investing in mutual funds #stock #market, #investing, #mutual #funds, #retirement

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How to buy mutual funds

When choosing mutual funds, few aspects are within investors’ control. Future performance isn’t one of them. But expenses, risk, manager tenure and tax-efficiency are qualities that can be judged before you buy.

Index funds, which track a basket of stocks, are generally low-cost options intended to provide market-like returns. Active management, in contrast, relies on a professional’s stock-picking in an effort to beat a market benchmark.

Here are the major pitfalls that can trip you up with mutual funds:

• Paying too much: It can’t be said enough: with funds, costs matter. Annual expenses eat into total return, year after year. With high-cost funds, you pay more and pocket less. Moreover, studies show that low-expense funds are more likely to outperform their costlier counterparts over time.

• Taking excessive risk: Funds with great multiyear track records may look attractive, but you need to know just how those returns were generated. Check the fund’s annualized results for unusual highs and lows. Then compare those figures with its category peers.

• Portfolio overlap: Don’t be a fund collector. Copycat funds bloat your investment portfolio and drag down performance. At some point, the blend will produce bland, index-like results at a high cost. Plus, heavier concentration in a few stocks adds risk.

• Recent manager changes: A fund’s performance doesn’t always speak for itself. Funds are ranked, rated and rewarded on the strength of returns over several years. But if a manager is new, those results are no longer a litmus test.

• Investment strategy drift: A burst of trading activity, venturing into new market sectors, adding larger-cap stocks, taking an aggressive stance in a volatile market — these are all telltale signs that a fund has changed its investment strategy, and not always for the better.

Copyright 2017 MarketWatch, Inc. All rights reserved.
By using this site, you agree to the Terms of Service. Privacy Policy and Cookie Policy.

Intraday Data provided by SIX Financial Information and subject to terms of use. Historical and current end-of-day data provided by SIX Financial Information. All quotes are in local exchange time. Real-time last sale data for U.S. stock quotes reflect trades reported through Nasdaq only. Intraday data delayed at least 15 minutes or per exchange requirements.

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Nursing home lawsuit – what grounds are available? #old, #aged, #elderly, #senior #citizen, #retirement #fund,

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On what legal grounds could I file a lawsuit against a nursing home?

You can sue on a number of legal grounds, such as assault, personal injury, pain and suffering, mental anguish, neglect, failure to provide adequate care, breach of contract, fraud, financial irregularities, or failure to comply with state nursing home statutes.

Lawsuits can result from a wide variety of situations that come under the general heading of elder abuse. This can include physical violence, abuse, or neglect; emotional violence, abuse, or neglect; or financial abuses. If the nursing home resident is struck, beaten, pushed, restrained unnecessarily, over or under-medicated; left unattended, for example, left in urine and feces; deprived of food or water is left out of reach; or otherwise physically mistreated or neglected, there will be grounds for a lawsuit.

Emotional abuse can also give rise to lawsuits, though it may be more difficult to prove. For example, if the staff members are angry and yell at the resident or isolate, humiliate, or shame him or her, there may be grounds for a suit.

Financial abuse, such as misappropriating funds, stealing from the resident, or overcharging can be actionable. The nursing home might be liable under either a theory of fraud or breach of contract if it promised to provide accommodations or services it knew it could not provide or did not provide.

Nursing homes that mistreat residents can be liable not only for the amount of actual damages suffered by the resident, but for punitive damages as well. Juries don t like people who commit elder abuse and there have been awards in the millions against nursing homes. If you think you or a loved one might have a claim against a nursing home, see a qualified elder abuse attorney as soon as possible. You will have a limited time to file a lawsuit, so the sooner you seek advice the better.

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