Finance & Investment Tips: Video Series

401k's are tax-free retirement savings financial accounts, and the penalty for cashing them in before the age of 59 1/2 is based on a person's taxable rate plus 10 percent. Avoid financial punishment by not withdrawing funds from a 401k retirement savings plan with advice from a registered financial consultant in this free video on finance and investment.

A 401k and IRA don't have many differences other than the fact that a 401k is used by employers to aid in financial retirement savings, and an IRA is taken care of on a personal level. Enjoy retirement by opening a 401k or IRA with ideas from a registered financial consultant in this free video on finance and investment.

A 401k is a tax-free retirement savings financial plan offered by employers to entice workers to save for their retirement, often times by matching an employee's deductions. Plan for the future with a 401k saving account with advice from a registered financial consultant in this free video on finance and investment.

Benefits of a 401k retirement savings plan include tax-free deductions, which could affect an individual's adjusted gross income, and receiving matching financial contributions from an employer. Understand the benefits of a 401k savings plan with tips from a registered financial consultant in this free video on finance and investment.

A term pension is a financial savings device offered by employers that allows workers to draw on, as a paycheck substitute, when they retire. Learn about term pension savings plans with ideas from a registered financial consultant in this free video on finance and investment.

A widow pension is a rarely used financial savings plan designed to cover an individual worker's spouse in case of death. Widow pensions are an historical term, but can be better understood with tips from a registered financial consultant in this free video on finance and investment.

Regular pensions were used by the government and the private sector as financial savings tools for longtime workers when they retire, as a means of supplementing social security income. Although most companies shy away from pensions, discover more about regular pension savings plans with tips from a registered financial consultant in this free video on finance and investment.

Negative amortization is a mortgage term describing property values that go down, while interest rates climb; they can be solved by refinancing a mortgage. Avoid negative amortization on a home mortgage with tips from a registered financial consultant in this free video on finance and investment.

A bank expense ratio is the interest rate the bank charges, after expenses, that will allow it to make a financial profit. Learn about bank expense ratios, and why banks need to keep them inline, with an explanation from a registered financial consultant in this free video on finance and investment.

The new bankruptcy finance laws are designed to protect banks and credit card companies, by allowing them to pursue any unpaid debts, for any amount of time, by garnishing wages or seizing assets. Discover how the new bankruptcy laws do not help the consumer with tips from a registered financial consultant in this free video on finance and investment.

Bankruptcy is the financial legal process of charging off debt that cannot be paid, however, with new bankruptcy laws, a creditor can pursue a debtor for an unlimited amount of time. Before taking the bankruptcy plunge, find out more about the bankruptcy legal process with tips from a registered financial consultant in this free video on finance and investment.

Bonds are government-issued shares that are purchased by an investor with the agreement that the principle and interest will be paid off at a later date. Understand more about government-issued bonds, including junk bonds and triple A bonds, with tips from a registered financial consultant in this free video on finance and investment.

Surety underwriting is an old form of risk finance management used to cover international shipments of goods and services with the help of an insurance company. Understand more about surety underwriting with tips from a registered financial consultant in this free video on finance and investment.

U.S. savings bonds are simple financial savings instruments that can be purchased at a bank, which earn interest over a designated amount of time. Use U.S. savings bonds to earn interest as part of a savings strategy with tips from a registered financial consultant in this free video on finance and investment.

Bonds are conservative financial instruments used for saving money and earning interest, and are used by municipalities to raise money from their tax payers. Learn more about bonds, their different ratings and how each earns interest with tips from a registered financial consultant in this free video on finance and investment.

A letter of undertaking is used by an individual company, or broker, for raising finances for a specific initiative, and will also highlight the issues and responsibilities of the broker. Find out more about letters of undertaking, like how they are kept on file with the authorities and Securities and Exchange Commission, with tips from a registered financial consultant in this free video on finance and investment.

Bid bonds are used by municipalities to insure a contractor won't overcharge for a project, like a school or hospital; they also keep people from underbidding jobs and changing the rules later. Understand how bid bonds are used by insurance companies to ensure projects stay under budget with tips from a registered financial consultant in this free video on finance and investment.

Notary bonds allow an individual to notarize the truth of an event and are typically used in business deals where the bond acts as a financial remedy for the truth. Discover more about notary bonds, and how they are a specialized form of bond and risk management, with advice from a registered financial consultant in this free video on finance and investment.

Being bonded is a way for companies to financially ensure an individual is trustworthy, by placing a bond for the amount of responsibility that person has. Find out more about how companies use bonds as a backup for background checks with tips from a registered financial consultant in this free video on finance and investment.

A dishonesty bond is used by companies as a performance vehicle for employees that are required to be in a position of trust. Stay covered against dishonest workers with a dishonesty bond with advice from a registered financial consultant in this free video on finance and investment.

U.S. treasury bonds are used by the government to raise finances by issuing bonds backed by the U.S. Treasury, that earn interest for a consumer. Invest in U.S. Treasury bonds and earn some income with tips from a registered financial consultant in this free video on finance and investment.

A municipal bond fund is used by state and federal governments to raise finances for specialized projects, like schools and hospitals. Discover how municipal bonds help invest in the community by generating finances for roads and schools with tips from a registered financial consultant in this free video on finance and investment.

U.S. series I savings bonds are a simple way to save money by financially investing in the U.S. government; they can be purchased at a bank or post office. Purchase U.S. Series I savings bonds, a liquid form of investing, with advice from a registered financial consultant in this free video on finance and investment.

Treasury bonds are a low risk way of earning interest by financially investing in the U.S. Treasury for a specific amount of time, and cashing in when the bonds mature. Invest money safely with treasury bonds using tips from a registered financial consultant in this free video on finance and investment.

Defined benefit programs are used by companies to financially compensate executives and high level workers above what a regular worker would make. Implement a defined benefits program legally with advice from a registered financial consultant in this free video on finance and investment.