How will i know the date when i started to pay my sss and when will the last day of my payment?
Answers: The Social Security Administration will send you an annual statement showing your yearly contributions going back forever. Compare their numbers to your pay stubs or W-2 forms. If they do not match, contact your local office.
Check out http://www.ssa.gov
I think you can request your earnings statement online. It is free to do this, and probably a good idea. The record will show every employer that has ever payed into your account since you began working.
Your last payment is the actual month when you reach retirement age unless you have already paid the annual limit prior to your birth date.
Average salary of Insurance Underwriters in Canada, and average beginning salary?
Answers: The average you will find, is commission, in US and Canada. Basically, insurance places work one of 2 ways:
1. straight commission, no salary
or
2. Base salary that you pay back when you start making commisions. For instance, one company pays 500 per week for 6 months - however, once your commission averages out to more than 500 per week, they take that away. If you just take the pay and then quit before the term - usually 2-3 years - they do a charge back and want the money back they paid you week to week.
If you are going to do insurance, you better know how to sell. I've been in insurance for some time, and there's no way I'm taking that base package, because once you dig enough, you'll find, they ALL expect you to eventually pay it back when your commissions roll in.
Life Insurance?
Trying to figure out what brand of Life Insurance to get.Answers: Financial experts utter buy term and invest the difference. There's be numerous articles that say explicitly the best option to protect the kith and kin (sources: CNN money, Wall Street Journal, Forbes, etc).
I've found some good information here too...
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Take concern.
Remember life insurance is for the surviving member of the family, not the personality dying! The amount is largely dependant on the amount of debt you have...and the aim is not to make one rich, but to some extent to help cover the financial expenses of a funeral, and to plague the financial void departed by the one that has passed. You want to enjoy enough to cover your current debts, and to take home sure your minor dependants will be sufficiently provided for, for the time they are still living at home.
No matter what integer you arrive at for the amount, remember term natural life insurance is much more for the cost than whole enthusiasm. An insurance sales character will try to sell you full life (they product more on commissions) with the bull going on for it gains within value...is an investment...etc. You can clear much more investing in masses other ways, than what you'd get as a return on adjectives life!!
You can't digit that out, until you've figured out what you want it to do for you.
What's the GOAL?
Are your wishes tied to a specific event, etc.. i.e. income replacement for x number of years, to cover a mortgage, cover until kids grow up, or are needs lifetime base...that you always want to own coverage no matter what.
Most race have requests that fit both categories.
Term insurance is smaller amount expensive so any need that can be covered by possession insurance should be. If your needs extend longer than a occupancy will cover, consider permanent insurance OR possession insurance that offers a conversion privilege at a next date.
All you need is TERM insurance. Don't agree to an agent or broken sucker you into a cash helpfulness policy such as "universal life", "unharmed life", or "variable life".
You should bring back 8 to 10 times your annual income in permanent status insurance. The theory is..if you occur to die, your beneficiary could invest the money in mutual funds that earn 10% to 12% and replace your income next to the mutual fund earnings and never own to touch the principal.
If you were to purchase a currency value plan, it would cost you more per month and you would solitary be earning give or take a few 4-5% toward the dividends. If you took the difference in cost between the residence and cash significance policies and invested it in a well brought-up mutual fund, you could have 2-3 times the money than your change value dividends.
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