Retirement Articles
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Are Stocks Overvalued?
The U.S. stocks indexes are about 150% or more above their lows of 2009. That recovery is increasing the number of people worrying that stocks are too highly valued or even in a bubble with two 50% or greater declines occurring since 2000, people are more on the lookout for big declines than they were […]
Snagging Tax Credits for Home Improvements
Don’t forget that the tax credits for energy efficiency home improvements still are available for purchases through the end of 2013. These credits were part of the stimulus in the financial crisis and have been extended, but they’ll expire for purchases after Dec. 31, 2013. A wide range of home improvements or replacements qualifies for […]
Consider Grabbing a Reverse Mortgage Now
Reverse mortgages can be powerful cash generators in those post-career years, when used properly. Anyone who might be interested in using a reverse mortgage in the next few years should consider lining one up now. This is a good reverse mortgage shopping time because interest rates are bottoming. Though you don’t make regular loan payments […]
Expanding Your IRA Investment Universe
The investment universe is expanding for many IRA owners. Some uses of the accounts that are becoming more frequent are investing in a small business, either your own or that of a friend or relative, becoming a mortgage lender, buying real estate, and investing in gold, among many other investment options. Your IRA doesn’t have […]
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Year-End Tax Planning for 2013-2014
We can do real year-end tax planning this year. In the last few years, year-end planning has been difficult because so many provisions of the law were set to expire at the end of each year, and Congress worked on the law through the holiday seasons. But with most provisions of the tax law settled […]
Updating the Bypass Trust for Estate Planning
Is the Bypass Trust dead? Many people believed when the lifetime estate tax exemption rose to $5 million per person (indexed for inflation), the role of bypass trusts in most Estate Planning strategies ended. Far from it. Under the current tax law the bypass trust can be turned from a powerful estate tax saver into […]
Taking a Financial Health Day
Most of you are familiar with the concept of a mental health day, when a person takes a day off from work to relax and recharge. Most of us need a financial health day to increase our financial independence and well-being. There are many relatively simple, easy steps people need to take to improve their […]
December 2013
December 20, 2013 04:50 p.m. Your Retirement Finance Week in Review We’ll be on a reduced schedule the next couple of weeks. I won’t send a letter next Friday, December 27, and probably won’t send one on January 3, 2014. I hope everyone has a good holiday season. I look forward to meeting you at […]
