Retirement Articles
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The Changing World of Annuities
Annuities changed a lot in the last year. If you’re considering an annuity based on what was available a few years ago, you aren’t likely to find the features you’re looking for. Even many of those who own annuities are likely to have seen changes in their contracts. Low interest rates, volatile equity markets, and […]
Estate Planning Tips for Surviving Spouses
Life can be difficult and complicated for surviving spouses. Contending with some financial rules and procedures in addition to everything else can amount to piling on. Yet, widows and widowers need to make key decisions about their finances, and some decisions need to be made within deadlines. Social Security, IRAs, employer retirement plans, and investments […]
Deducting Medical Expenses
Many people believe that they’re no longer able to deduct medical expenses. They don’t even track their expenses or enter them on their income tax returns. That can be a costly mistake. Medical insurance covers fewer expenses each year, and more people would save taxes by deducting medical expenses than realize it. Congress did make […]
Estate Planning – The Giving, Asset-Shifting Opportunity
A unique wealth and Estate Planning opportunity presents itself to many people in 2012. It could be the last year for such an opportunity, so take advantage if it applies to you. A deal was reached in Washington in December 2010 to reduce estate and gift taxes for 2011 and 2012. Among other things, a […]
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Why to Own Long Term Bonds
Many investors say you shouldn’t own treasury bonds because interest rates are too low. You aren’t being paid enough to own them. We’ve owned long term treasury bonds in our Retirement Watch portfolios since June 2011 and have earned over 20% on them. We continue to own them because economic growth is slow, inflation is […]
Making Family Wealth Last With a Family Council
You’ve probably heard the phrase “shirt sleeves to shirt sleeves in three generations” to describe the pattern of how one generation earns the wealth, the next preserves or uses it, and the third loses it and starts over. A key issue for many people today is how to ensure the next generations benefit from their […]
A Revealing Look at Hospice Care
Most people think of hospice care as a nonprofit program offered to help the terminally ill through their last days. In fact, it’s a big business filled with all sorts of aggressive sales tactics, bonuses, referrals fees, potential conflicts of interest, and regular targets or goals for employees. Bloomberg has a revealing report on this […]
Making Financial Management Easier
I’ve long been an advocate of concentrating your investments and financial matters at one or two mutual fund companies or at a discount broker. Consolidation makes it easier to know what’s in your portfolio and be sure your allocation is what you intend. Consolidation reduces procrastination, because you won’t be deterred by the time needed […]
