Retirement Articles
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Still Taking Advantage of the 0% Tax Rate
The 0% tax rate still is in effect. Created for select taxpayers for 2008-2010, it was extended with other tax breaks in the December 2010 tax deal in Washington. The 0% tax rate applies to long-term capital gains and qualified corporate dividends earned by those in the two lowest income tax brackets. For other taxpayers […]
Transferring Digital Accounts for Estate Planning
An overlooked area of Estate Planning is the transfer of digital information. More senior Americans spend a lot of time online than a few years ago, and this online activity is as much personal as for business and must be cnosdered in your estate planning. This needs to be factored into your estate plan. Provide […]
How to Fill Gaps in Your Estate Planning
Most estate plans are deficient. Even wealthy people who consult with high-priced lawyers have key gaps in their plans. I’m not even talking about people who don’t bother to develop an estate plan. I’m considering only people who developed plans. Too many of them have plans that aren’t going to meet their goals, preserve their […]
Diving Into Those Guaranteed Variable Annuities
Investors steadily increased purchases of variable annuities with guaranteed benefits in recent years. These annuities clearly are striking the interest of a substantial number of investors. But they’re complicated, and I doubt most of the buyers fully understand them or know how to compare them to alternatives. There are several versions of variable annuities with […]
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Forecasting Retirement Medical Expenses
The greatest fears of Americans approaching retirement are paying for medical expenses and outliving their money. Those concerns are related, because medical expenses are the largest unknown factor in retirement plans, one of the major expenses, and most people don’t have estimates of their retirement medical spending. For example, 40% of Americans have no idea […]
Finding Higher Dividend Yields with Safety
The Federal Reserve’s been punishing savers in favor of the big banks and others by keeping short-term interest rates dirt low since 2008. Investors in safe investments (such as short-term treasury bills, money market funds, and certificates of deposit) are earning less than 1% annually. After taxes and inflation, the real return is negative. Some […]
Taking a Close Look at Money Market Funds
Money market funds are in the news again. Since their development in the 1970s, money market funds were considered ultra-safe places to store cash. Most investors considered them to be like cash that pays interest. Their net asset values always were $1.00. That changed in 2008 when the Reserve money market funds revealed they owned […]
Slashing Medicare Costs, and Benefits
A little-noticed provision of the 2010 health care reform (Affordable Care Act) is the Independent Payment Advisory Board (IPAB). This will be a 15-member panel of experts appointed by the President without input or oversight from Congress. The IPAB would designate the appropriate levels of care and treatment. It’s expected that Medicare would follow the […]
