Never write a check directly to an individual only to the custodial institution, which must send you quarterly Prussian blue hitler smiley face.

Beware the free seminar and other retirement scams. For complaints about Dann hotel las velas insurance or annuities. Pals back call girl in Spitzer scandal. For links or contact your state insurance department. Com i msnbc Components Art SITEWIDE newLogo half. Fl color promo a img, fl color promo img border noneimportant.

But in a sweep of these types of seminars, the Securities and Exchange Commission found unethical business practices in nearly half. Ignore the hype Be suspicious of any sales pitch that promises unrealistic returns.

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Anyone who guarantees annual returns of or higher isn t in the ballpark that s even higher than the long term average return for large company stocks, and much higher than guaranteed investments. Be skeptical of free lunch seminars Salespeople often make their initial contact with seniors in free lunch seminars. Such credentials sometimes require little more than paying a fee and passing an easy take home test. Sex toys The ultimate in hardware.

Join the Save Money, Make Money challenge. Com i msnbc Components Art SITEWIDE newLogo half. Should you be in a panic about mortgages. Some annuities offer a bonus in the first year, after which the minimum guarantee drops to or. Kimberly Lankford, contributing editor of Kiplinger s Personal Finance Magazine, shares tips that can help you avoid retirement rip offs. Set up an account To avoid falling prey to a Ponzi scheme, establish an account at an independent financial institution typically a brokerage to hold your money.

Bust that dust Consumer Reports best vacuums. Do background checks Before doing business with a broker, check his or her background using the Financial Industry Regulatory Authority s BrokerCheck tool at. With trillion in retirement accounts, baby boomers and their parents have become a prime target for scam artists who push overhyped investment returns, unsuitable annuities and Ponzi schemes. Consumer Reports best cell phone deals. Cool new products take the spotlight at the Consumer Ford mooresville north carolina Show in Las Vegas. Com i msnbc Components Art SITEWIDE coverSpat test.

What parents need to know about online predators. For insurance and annuities, check whether the agent is licensed with your state insurance department see. Kiplinger s Personal Finance on how to protect your nest egg from rip offs. Home Kiana robinson ideas on a budget. And check on certified financial planners at the CFP Board of Standards www. Fl color promo padding top px.

Fl color promo a img, fl color promo img border noneimportant. Microfiber fabric makes its own electricity. Ask regulators for help If you have questions or discover that you or your parents have been sold an unsuitable investment, contact your state securities department go to. Look for disciplinary actions taken against the broker, as well as red flags, such as if the broker has frequently changed firms.

Ask about surrender charges and guarantees Before buying an annuity, ask Does lotrel work about surrender charges and how much money you can withdraw each year. Ask the broker to rate an investment s risk on a scale of one to and put the answer in writing, too. Be particularly wary of claims that you can retire early based on those high returns a common pitch salespeople use when they hear that a company is making early retirement offers. And don t trust a salesperson just because he or she has a professional designation that focuses on seniors.

Many deferred annuities levy a surrender charge if you try to withdraw your money within the first seven to years. Take concept cars for a spin. Make your life better with Bluetooth.

Must have gadgets for busy parents. Don t feel pressured Consult with your adult children or another financial adviser before investing your money.

Cool new gadgets for the frequent traveler. Get investment information in writing Maintain notes of conversations with salespeople about your investments and keep copies of broker mailings and sales presentation handouts. After speaking with a broker about your investment goals, ask him or her to summarize your discussion in writing.

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