Retirement Articles
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6 Ways You Can End the Confusion, Inconvenience of RMDs
IRA required minimum distributions (RMDs) mess up the financial plans of many IRA owners and create a new set of problems for them. But you can overcome these problems. While the tax code requires IRA owners to begin minimum annual distributions after age 70½, most IRA owners don’t need the money to pay their living […]
How to Choose Between Wills and Trusts
There are two tools available for passing the bulk of your legacy to others, and the best choice for one person might not be a good choice for another. The foundation of your estate plan can be either a will or a trust, usually a revocable Living Trust. They’re not exclusive. Most estates have both […]
Bob’s Journal Update for 1/17
We’ll soon know if the recent rally in the markets will continue, because fourth-quarter earnings reports are being rolled out. Most markets had a dismal fourth quarter of 2018. But markets turned a corner after Christmas and the subsequent rallies are impressive. While the S&P 500 still is down 4.28% for the last three months, […]
How the Social Security Lump Sum Benefit Works: Pros & Cons
Do you know there’s an option to receive up to six months of benefits in a lump sum when initiating Social Security retirement benefits? Not many people do, until they apply for benefits. While this is a nice option, too many people are surprised by it, and don’t receive the benefit package that’s best for […]
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How to Generate Guaranteed Lifetime Income (Second Social Security Check)
Lifetime income security is what everyone wants in retirement, but it is increasingly a challenge to achieve. Low interest rates and investment returns, longer life spans, inflation, long-term care expense, medical expenses, higher taxes and more are major obstacles to achieving financial security in retirement. Everyone wants what I call the “Second Social Security Check.” […]
Why Annuity Investments Are on the Rise (With Help from the Federal Reserve)
People are buying annuities again, and for good reasons. Not long ago, there was a steady decline in the amount of money flowing into annuities and there seemed to be no bottom. Annuity purchases, however, have rebounded — and indications are that the demand for annuities is likely to keep rising. In the second quarter […]
Bob’s Journal 12/20/2018
Last week’s Employment Situation reports were extremely strong, but don’t use them as good indicators of the strength of the economy or its trend. The nonfarm payrolls report showed that 312,000 new jobs were created, and revisions added a total of 58,000 jobs for the previous two months. The number of new jobs was well […]
Bob’s Journal for 1/3/2019
While Treasury bonds outperformed stocks in 2018, what happened within the bond markets was more important to investors. Stocks outperform bonds over the long term, but bonds have better years from time to time. Treasury bonds have outperformed the major stock indexes for only a few calendar years since the end of the financial crisis. […]
