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Facts to Know Before Taking the Social Security Lump Sum Cash Option
The Social Security Administration still is doing a disservice by coaxing applicants into taking the optional lump sum cash payment when they sign up. The beneficiaries more than pay for it over the long term. The lump sum option isn’t new. But many applicants don’t know about it until the SSA offers it to them […]
Know the Differences Between Social Security Spousal and Survivor Benefits
Among the most confusing and important Social Security issues are the differences between spousal and survivor’s benefits. Not knowing the differences can cost you or your spouse thousands of dollars in lifetime benefits. The rules are so confusing that the Social Security Administration (SSA) often makes mistakes, as documented by its Inspector General. Though survivor’s […]
More Ways To Increase Your After-Tax Investment Returns
Last week’s Retirement Watch Weekly covered ways to increase your after-tax investment returns. Let’s pick up where we left off. When your investment strategy says it’s time to sell an investment, don’t hold it for months hoping it will mature to a long-term capital gain. It might make sense to wait if it will mature […]
How To Increase Your After-Tax Investment Returns
The old adage is, “You can’t spend pre-tax returns.” After-tax returns are what count. Well, the tax rules on investments are in effect all year, but few people take advantage of that. Too many people don’t start thinking about investment taxes until near the end of the year, or even after the year is over. […]
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Plan Now to Avoid Stealth Taxes this Year
Retirees and near-retirees need to worry more about Stealth Taxes than regular income taxes. Stealth Taxes include the amount of Social Security benefits added to gross income, the Medicare premium surtax (also known as IRMAA), the 3.8% net investment income tax and more. Some Stealth Taxes are directed specifically at retirees, such as the tax […]
Bob’s Journal for 5/11/23
Some Notable Events That Grabbed My Attention This Week The cost has dropped for one of the top long-term care (LTC) insurance policies, according to my favorite industry expert and friend, David T. Phillips. David’s favorite policy now provides 25% more benefits for your premium dollars than it did from June 2022 through March 2023. […]
Bob’s Journal for 5/4/23
Latest I-Bonds Still Are a Good Deal for Savers Yields are lower than their 2022 peak, but Inflation-Linked Series I U.S. Savings Bonds (I-Bonds) still are a good deal for savers. I-bonds pay two interest rates. One rate is fixed for the life of the bond. The other rate is adjusted every six months in […]
Bob’s Journal for 4/27/23
Banking Panic Causes Short-Term Rates to Plunge The runs on Silicon Valley Bank and Signature Bank had historic effects on short-term interest rates. Short-term interest rates rose steadily for almost a year after the Fed began its aggressive tightening in May 2022. The rise in short-term rates during 2022 was the fastest in at least […]
