Tax Planning – Why You Need Retirement Planning Assistance

Why You Need Retirement Planning Assistance


Although most people eager look forward to the day when they can retire, few of these individuals are doing all that they can to financially prepare for this time. Getting retirement planning assistance is one of the best things that you can do to gain assured comfort and financial health during your later years. A qualified adviser can help you protect your portfolio from extraordinary taxation and inflation. (see more at


Certain investments are good for long-term savings given that these are guaranteed to stay ahead of inflation. They will have the same overall value when it is time for consumers to rely on these. Others, however, will gradually diminish in worth throughout the years. Although they might seem like solid investments now, the related returns can be greatly diminished by the passage of time.


It is important for people to note that all portfolios must have some measure of risk associated with them. Profit potential is usually directly associate with the amount of risk that an investment entails. Thus, people who want to implement aggressive savings plans for greater comfort and financial health will need to work with advisers who can show them how to mitigate this risk.


Diversification is important as well. Those who are preparing for their retirement years should have a diverse array of investments as this is a great way to mitigate risk and to acquire assured profits. People can invest in stocks, bonds, precious metals. They can also take advantage of the extraordinary profit potential of emerging markets for long-term investments.


If you want to be truly diligent in the management of your retirement photo, you or your advisers should review it once every few years (see comments by Richard Tjiong). This will allow you to reallocate your assets as needed, to address areas of increased risk or profit potential. Moreover, you adviser can use these reviews as an opportunity to help you find further tax shields based upon the most recent changes in tax laws. See more on planning for your retirement at – make your money work for you, no hassle, no scam

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ATPartnerships – Negative GDP Q3 Results For Japan

Negative GDP Q3 Results For Japan

By ATPartnerships | Posted 18 Nov 2014

Monday’s trading gave us a mixed bag of results in Currencies, Commodities and Stocks. No real commitments or changes in strategies by London or New York big boys were noted. The important news was out of Japan, the world’s third largest economy, much of their negative GDP Q3 results were being digested by Investors where Japan is now firmly in a recession. The new sales tax that was going to be soon implemented has now been put on hold due to the latest GDP numbers. All these occurrences will lead Prime Minister Abe calling for a new Election! The World should be wary, as Japan’s economic woes could be contagious!

Most stocks did finish higher on both sides of the Atlantic but overall after a busy Monday, the US Dollar stands as the winner with the Euro disappointingly giving back any gains from last Friday’s surge and the EUR/USD is again preparing to pressure the 1.2400 area where some major support has been developed.

Comments from ECB President Draghi out of Brussels about expanding purchase programs (printing money) gave the Euro no chance for gains as selling was the dominant action.

Gold held on and did not give back any of last Friday’s massive gains so this is a victory for the Yellow Metal! A noted area of former resistance and now minor support of $1180.00 and Gold must hold this if it wants to go higher.

Oil prices have declined for the better part of five months and Japan’s weakening demand for Oil is shown in its Q3 results where strong supply growth is proven. Last weeks “Commitment of Traders” showing futures contracts has an Oil increase with speculators (non-commercial) representing an 8th. contact increase in net Longs which is a surprise.

As Corporate profit rises and the average workers wages are disintegrating along with the Middle Class, prominent American analyst Jeremy Grantham is saying, “the system is broken and the inmates are running the asylum.” To simplify, this artificial Boom with appearances of prosperity will not last and lead to real Depression.

For the Tuesday trading start, RBA, Governor Stevens will give an in depth talk about Australia’s economy. The Aussie Dollar did not fare well yesterday giving back much of its gains from last Friday. Important Great Britain CPI – y/y is next, which will give data that shows inflation: German Economic Sentiment is coming out today and is always a market mover, lastly USD -PPI data – again will show consumer inflation,all in all, a day that could see some strong movement.


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AT Partnerships – Gold & Silver Move on China

Gold and Silver Move up Following Data Out of China

By AT Partnerships | Posted

Up up and away for the US Dollar when the US session opened. Buoyed by positive Housing Data and statements from the European Central Bank that they may increase corporate debt to boost inflation in the Euro area had the Euro weakening massively dropping the EUR/USD pair 130 pips over the next 12 hours. After such a strong move,this pair is now taking a rest at previous support, the 1.2705 area.

The Dollar also recovered against the safe haven YEN during the last 4 hours. Last Wednesday the pair hit a low of 105.18 and has now built a solid base showing strength as it made a surprising push wiping out any session losses and looking strong at 107.06 and looks like it will keep going. (USD/JPY)

Chinese quarterly growth actually hit expectations but was still a disappointment in the eyes of larger investors as their growth is certainly slowing. The Aussie initially showed some benefit from the report but has given back any gains over the last few hours. The Chinese data also affected commodities as Gold and Silver made some noise, both moving up in price initially but again, like so many currencies, most of any profits have been given back during to the mighty US Dollar.
Other casualties of the Dollar are the Swiss Franc taking a direct knock-out punch after bouncing off a double bottom and losing close to a 100 pips. The Canadian Dollar and the Kiwi fared no better, both also not able to hold on to any gains and ended up down on the day.

The US Dollar came out of Tuesday’s trading the unprecedented, king of the currency jungle!

Okay, positive reports are constantly coming out of the United States, the largest economy in the world, the US Dollar bends but does not break, but let us not get lulled into a false sense of security. Private and Government debt is at a staggering 61.9 Trillion Dollars. During the last fiscal quarter the US subtracted 2.8 trillion from the Quantitative Easing policy but added 8.6 trillion to the total debt level, now that math will never add up! Bubbles are everywhere, in housing, student loan debt, debt to GDP, bonds, with liquidity slowing drying up.

Stocks and global shares rallied around the Globe having an impressive day wiping out many losses from the previous week again. Again, this rise was on the prospect of the ECB buying corporate bonds. (QE stimulus)

A very interesting news day awaits the Markets. Many red tag events, like the Australia CPI (inflation data), GBP – official bank rate, CAD – monetary report and interest rate statement, and US – CPI data. All these events are set to keep the investors rocking and rolling, not for the weak hearted, as there will be many violent swings happening upon announcements – until a direction is settled upon.

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Gold a Safe Haven as Result of a European Slump

By AT Partnerships | Posted 21 Oct 2014

Monday, was one of those typical lacklustre trading days, no major movements in currencies or stocks, no major news announcements to spur volatility. The results are best described as mixed with the US Dollar dipping slightly on Global slowdowns, and the Euro – the 18 nation currency – getting a boost, as “risk appetite” is starting to make an appearance.

One of the bright lights yesterday was the yellow metal, “GOLD”. Slumping European stocks sparked a safe haven demand for the precious metal. With a 10 dollar gain, resistance is now seen at 1250 and support (minor) around the 1232 a troy ounce. The 1250 area of resistance is also at the 50 day SMA, a determining factor of whether longer term upward momentum can be sustained or whether you get a rejection here with bears ploughing back into the market to push price lower again. Also helping the Gold demand came from reports at the German Bundesbank, stating their Countries economy barely grew in the third quarter as business sentiment has deteriorated, therefore, money came out of stocks with some going into commodities.

Lot’s of debate in America over the coming Quantitative Easing policies ending at the end of this month. CNBC’s, Rick Santelli has a short, interesting debate with renown Peter Schiff over the subject from ZeroHege web site.

Will we return to last weeks currency gyrations for Tuesday’s trading? Maybe not today, albeit China has red tag news coming out. Large investors appear unwilling to make fresh bets before Wednesday’s U.S. Inflation Data and Thursday’s European Manufacturing report. Some analysts are warning of a downside surprise in the CPI Inflation with the biggest reaction to be felt in the dollar/yen pair.

Asian news today has important data coming from China. It will be tough for China to restructure with so much corruption amongst officials. They need to reduce the role of bureaucrats, give rural residents more rights, and limit power of state owned firms. Alas, China officials drag their feet slowing down all businesses. The importance of these news releases cannot be underestimated, the quarterly Gross Domestic Product (GDP), coming out soon,at 10:00 p.m. EST. will determine Chinese policy in the short term. Poor GDP numbers are being expected by many analysts. Will China again slowly turn in on itself or start to embrace more democracy? Ask Hong Kong that question and I bet you know the answer!


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AT Partnerships – Market Reactions To Oil Price Drops

By AT Partnerships

15 Oct

Great Britain and the Euro zone fundamental news reports out yesterday can only be described as atrocious. The German ZEW (Consumer Confidence) result (-3.8 points) wiped out any Monday Euro gains and now German growth forecasts have been cut. The Euro suffered appropriately. How many traders and investors bought the British Pound after the Scottish Independence vote was decided, thinking, wow, now the Pound will really strengthen? Great Britain’s inflation data missed expectations annihilating the Sterling currency by a whopping 200 pips against the US Dollar. Other currencies to get hit were the Swedish Krona and how about the Norway’s NOK. Norway’s economy has relied upon their tremendous Oil reserves but as prices in Oil have declined it has placed Norway in GDP trouble, as the Krona has slid in value over the past 6 months which relates directly to when the price of Oil started dropping.

Both the New Zealand Kiwi and the Aussie Dollar did not fare well yesterday and gave up all Monday gains. The general theme with the Aussie is that it is still overvalued and with an investing “risk off” environment, further weakness is to be expected, also, the RBA not too concerned as a weak Dollar is good for exports.

The Canadian Dollar, the CAD, is also a commodity currency with huge developing Oil reserves (Alberta – tar sands) which cost a lot more money to extract and separate the Oil from the sand than standard drilling. Now with Oil dropping so much in price, it puts many companies in jeopardy as their profit margin dwindles. July 01 was the day the CAD started it spiral down against the US Dollar losing a value of 7 dollars over the next four months. Other OIL shale companies, especially in the US, will start feeling the fear as another 3 Dollar OIL price drop yesterday will intensify debate around oil Company board meetings no doubt!

So when it looked like the mighty US Dollar was showing some cracks, it has quickly and efficiently silenced any doom-sayers, so far this week anyway. The Dollar was stronger against most all currencies yesterday and upon Asian open is not slowing down.

September and October have really increased the importance of news releases and its affect on price surges and volatility. This is not a surprise to investors as seasonality plays a large part in their strategies. Today will be no exception, as ECB’s Draghi speaks, unemployment changes out of Great Britain, retail and Inflation data from the United States will all surely rock the currency markets to and fro.

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Tax eform AT Partnerships News – The Euro, Gold, and Silver Make a Surge Against the US Dollar

The Euro, Gold, and Silver Make a Surge Against the US Dollar

By AT Partnerships | Posted

US Stocks tumbled on Monday after a late selling frenzy amid a cooling global economy. The Dow was down 1.35% with the S&P500 at negative -1.35%. This correction is needed and is also expected among the large investors. United States overseas companies are really starting to feel the financial profit pinch with the continuing strong Dollar. All major indices are now below their important 200 ma. with the worst three day loss since 2011.

European Stocks on the other hand were actually up modestly with the Great Britain’s FTSE and the German DAX both in the black showing gains.

The Euro, Gold and Silver have just had a late surge in price against the mighty US Dollar after the close of Markets. The Euro is up over a 100 pips while Gold recovered from earlier losses to be sitting at 1236.62. The reason for this sudden reverse is the reporting of new Ebola cases out of Boston’s Logan Airport which sent jitters throughout the investing world. The Euro has put a squeeze on a lot of Long US Dollar holders and technically in the past 6-7 days has actually built a very nice support base to make further gains. The Fed has also come out and restated that there will be delays in the expected interest rate hike which also hammered the Dollar.

A Global glut of Oil is still keeping the pressure on; keeping prices low with demand not there to suck up the excesses.

China has the second largest economy in the world and their latest report showed export and import data rose, to the surprise of many. China has an annual target for growth at an enviable 7.5%. The Aussie Dollar responded positively on the news.
According to at partnerships news:  “Russia and China strengthen further their desire to hurt the power of the US Dollar and the West by signing 40 agreements spanning energy, finance and technology to further deepen their relationship. All transaction to be done in Ruble and Renminbi. The ultimate goal of these two Countries is to have “International Settlements” to be done in their currencies.”

Today news calendar has two major reports out with Great Britain’s CPI (Inflation data) and later, an important German ZEW Economic Sentiment, which should be way down after all the latest reports coming out of that country and should affect the Euro which has shown some positive life lately. There are no US report being announced today.

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Updates At Partnerships – Consumer Confidence

Consumer Confidence in Europe Drops as Deflation Takes its Grip

By AT Partnerships  13 Oct 2014

Last week was a tough one for the Markets as the U.S. Dow lost 2.7%, the S&P had the worst weekly loss in two years and wrapped up the Friday session 3% lower at 62 points. With stocks selling off, the “VIX”, (measures volatility and can be traded) jumped a whopping 62%. All of this on good news data coming from the States! A lot of the big boys are rethinking their positions. Monday is a partial holiday, Banks closed but Stocks and electronic trading will be as usual.

According to AT Partnerships With Omega: The European economy continues to decay and will affect US Stocks causing the dreaded word “contagion” as Germany, France, and Italy’s economic growth are all slowing down as deflation starts to take its grip and consumer confidence dropping like an anchor. Germany’s Finance Minister, Wolfgang Schaeuble was in Washington last week (IMF annual meeting) and did not receive US criticism very well on the German economy, called “spin doctoring” by the Yanks. German newspapers have had a field day reporting all this which leads to this week’s meetings in Berlin where Germany may have to revise their budget details. He threw some of his own arrows towards the American administration saying, “Writing cheques is not the right way to spur economic growth!”

The US Dollar actually had a slight loss over the week hurt by the “FED Minutes” regarding interest rates, but did finish Friday on firm footing. The Euro held its own and won the battle against the Dollar by about a 100 pips and has opened the Asian session with some strength. There are numerous red tag economic reports coming out this week and Draghi the eternal optimist has a major meeting in Frankfurt on Wednesday where his comments will surely move the market. So lot’s of currency volatility is lined up for the week ahead. Volatility brings opportunity!

Gold had a positive week and is showing some up momentum upon the Asian open, after hitting a low of 1182.97 five days ago, it has had a remarkable bounce of 50 Dollars sitting at 1230.19 with resistance seen at 1240 area. As Europe falls apart Gold should rise. The weekly chart shows an amazing triple bottom dating back to June 2013.

A note of interest for October 26, the ECB is doing stress tests on 130 of the largest banks around Europe to help restore some confidence by showing transparency in their internal business. A lot will be riding on how the markets interpret these results.

Japan spends an amazing 25% of its Central Government tax revenue just paying interest on debt that it has accumulated over the last twenty years with the future not looking any brighter. Deflation has been an absolute nightmare there.

The big news out of China over the weekend is that their chief economic advisor said they will not stimulate the economy with false printing of money every time there is a slowdown, and letting companies go bankrupt will be healthier for the future climate of business in China. Now that is a statement that the US should have used when the Global Financial Crisis hit as they would be far better off now than they are. On the outside the US economy looks good, but inside there are many dark bubbles looming and waiting for a connecting incident to burst and therefore dramatically changing the investing landscape.


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Obama tax reform overture grabs K Street’s attention


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By Bernie Becker – 10/08/14 06:00 AM EDT

K Street has a message for President Obama when it comes to tax reform: Talk is cheap.

Senior White House officials have started making overtures about a deal to revamp the tax system for businesses next year, arguing it’s one area where there is common ground with the GOP — an important consideration if Senate control flips to the Republicans in November.

But for tax reform to become real, lobbyists say, the Obama administration will have to translate words into action by engaging vigorously with Capitol Hill on the arduous process of crafting legislation.“I hear the happy talk,” said Jade West of the National Association of Wholesaler-Distributors. “Any time there’s talk about tax reform, we react.”

“We’re paranoid. We’ll start lobbying,” added the former Senate GOP aide. “But I just don’t see it.”

On paper, the possibility of a Democratic president and an all-Republican Congress next year would appear to be a promising set-up for tax reform.

The president, facing his final two years in office, would be grasping for an achievement to round out his tenure.

Senate Republicans, staring at an unfavorable 2016 map, would have incentive to find a legislative achievement they could bring to voters in swing and Democratic-leaning states.

And House Republicans would have the chance to tackle an issue that they have long argued should be a priority.

Speaker John Boehner (R-Ohio) made tax reform one of his five pillars for sparking the economy, and Rep. Paul Ryan (R-Wis.), the favorite to take over as the House’s top tax writer next year, has expressed a desire to tackle it head-on.

There’s even bipartisan agreement that the U.S.’s corporate tax rate is too high, the code too riddled with tax breaks and the international system for businesses long overdue for an upgrade.

Republicans have proposed reducing the top corporate rate from 35 to 25 percent, lower than the administration proposed in 2012.

With all that as a backdrop, both Jason Furman and Jeff Zients have talked up the possibility of tax reform being an area of bipartisan agreement before Obama leaves office.

Furman, chairman of the president’s Council of Economic Advisers, said last month that Obama “would certainly love to sign a business tax reform bill.”

Zients, the director of the National Economic Council, went even further, insisting that Obama’s framework to revamp the tax code for businesses was “remarkably similar” to a plan from House Ways and Means Committee Chairman Dave Camp (R-Mich.).

“That makes me optimistic that we can get something done,” Zients said last week.

“President Obama has long advocated for reforming our tax code to make it more simple and fair, and he has been clear that he is willing to work with both parties to get that done,” said an Obama spokeswoman.

“The president has put forward a framework for business tax reform that lowers our corporate tax rate, closes wasteful loopholes, and simplifies the tax code for everyone, and he will continue to call on Congress to take action.”

That talk has piqued the interest of the variety of the business coalitions in Washington pushing for tax reform.

Jeff Birnbaum of the Coalition for Fair Effective Tax Rates said Obama and his aides have only given “lip service” to tax reform in the past.

But Birnbaum, whose has long stressed that an overhaul of the code needs to also help businesses that pay through the individual system, said the interest from Boehner and Ryan, in addition to the comments from White House officials, could lead to something productive.

“That’s a pretty strong combination right there,” he said. “That’s not a bad starting place.”

Some congressional aides said they have seen increased outreach on tax reform in recent weeks from the administration. GOP staffers added that it’s possible Republicans could warm to a tax reform plan that only affects businesses, after having long pushed to reform the corporate and individual codes together.

Jon Traub of Deloitte Tax said it’s tough to say for certain how Obama would react to a GOP Senate; the president could see himself as the last line of defense for Democrats ahead of 2016.

“I don’t pretend to know what he’ll do. It’s certainly possible that he’ll say ‘I want to build a legacy,’” said Traub, a former senior aide to Camp. “Is the environment conducive for a deal? We won’t know that for awhile.”

None of that means that longstanding roadblocks to tax reform have disappeared, especially after Camp’s broad tax reform draft this year found few champions. Several top lawmakers, including Sen. Charles Schumer (D-N.Y.), have downplayed the chances for tax reform in the next Congress.

Democrats and Republicans remain divided over whether a revamped tax code should bring in more revenue. Obama has sounded open to rewriting the corporate tax system without added revenues, as Republicans have sought, but also wants an upfront influx of revenue to cover infrastructure spending.

The Urban-Brookings Tax Policy Center recently projected that nearly $840 billion worth of business income was reported on individual tax forms in 2012. Analysts say it would be difficult to craft an overhaul that included both those companies and traditional corporations without revamping the entire individual system.

Plus, as the recent debate over corporate inversions shows, taxes remain a politicized issue. Even as his aides were talking up tax reform, Obama criticized Ryan last week, stressing that the Wisconsin Republican is still seeking to lower the top rate for the highest earners.

Ryan himself hasn’t sounded overly optimistic about the prospects for tax reform, and has even floated officially adopting more “dynamic” scoring for tax bills. The GOP says that would more fully account for economic growth spurred by tax changes, but also would deepen the divide between the parties.

Ken Kies of the Federal Policy Group predicted that Obama would likely have to give ground on some big issues — whether to protect most offshore corporate income from U.S. taxation or lower the corporate rate to 25 percent, for instance — to strike a deal with an all-GOP Congress.

“In order for this to turn into real progress, they’re going to have to come around to some important policy positions that Republicans have on tax reform,” said Kies, a former GOP aide who worked on the 1986 overhaul of the tax code.

But a former Democratic aide now on K Street said that it would be up to both the White House and GOP lawmakers to find more common ground on tax reform.

“At the end of the day, he’s got to sign it,” the lobbyist said about Obama. “But a lot of it’s going to depend on whether a Republican Congress is willing to work with him.”


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