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Retirement Articles

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Get Set for the New Medicare Surtax

June 1, 2006

Medicare beneficiaries are used to annual premium increases to go along with the rising cost of medical care. But in 2007 many will be surprised by the new means-tested premiums. Higher income beneficiaries will pay higher premiums. The amount of the increase in premiums will depend on the beneficiary’s income. The higher premium is called […]


Is it a Good Time to Shop for Life Insurance

June 1, 2006

Anyone who bought term insurance more than five years ago should consider shopping for a policy again. Because of much longer life expectancy and higher investment returns, premiums on term life insurance have declined significantly. In fact, over the past decade term premiums have declined by about 50%. Insurers also are being more generous in […]

estate planning

Estate Planning for Pets

June 1, 2006

Often a pet is a cherished member of the household. If that is the case, you might want to include the pet in the estate plan. This is particularly true of single people or owners of unusual or exotic pets that the heirs of the property estate are unable or do not wish to care […]


How Planned Disclaimers Can Improve an Estate Plan

June 1, 2006

A key to successful Estate Planning these days is flexibility. Scheduled changes in the federal estate tax, and the possibility of additional changes, make flexibility essential. In past visits we have discussed language that can be included in wills to increase flexibility. Another tool to make available to your heirs is the disclaimer. Normally, disclaimers […]


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Which Life Insurance to Buy?

June 1, 2006

Most Americans are confused about life insurance. They admit this and aren’t doing anything about it. That is unfortunate, because changes in the life insurance industry are very favorable to insurance buyers. Let’s take a look at the traditional debate of term insurance vs. whole life insurance. Term insurance is a “life insurance only” policy, […]


Biggest Retirement Mistake

May 1, 2006

Americans approaching Retirement remain mistaken about key aspects of retirement. Becauase of this, they risk going into their nonworking years with inadequate resources. Retirement could be full of surprises for a number of Baby Boomers. An annual survey by the Employee Benefits Research Institute shows many Americans are confident about their retirement years. In the […]


Medicare Drug Deadline Draws Near

May 1, 2006

The deadline for Medicare beneficiaries to sign up for the new prescription drug plan is drawing near. To avoid penalties, seniors who are in Medicare must sign up for a plan under Part D of Medicare by May 15, 2006. The penalty, if you sign up for a plan later, is an increase in the […]


Investing Education for Grandkids

May 1, 2006

Recently, when I was the guest on a radio show, the host asked where young people learn about money, investments, and personal finance. Schools are too busy with diversity training and sex education to teach personal finance. Even at the college level practical money management is scarce. Many parents, especially, the Boomers, try to keep […]

January 2021:

Congress Comes for your Retirement Money

A devastating new law has just been enacted, with serious consequences for anyone holding an IRA, pension, or 401(k). Fortunately, there are still steps you can take to sidestep Congress, starting with this ONE SIMPLE MOVE.

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