Retirement Articles
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Investing IRAs and Other Accounts
Investors leave a lot of nickels and dimes on the table, and over time those pennies can total up to quite a few dollars. One way to avoid those leaks from your nest egg is to optimize the benefits of tax-advantaged accounts. An investor might have taxable accounts, traditional IRAs and retirement accounts (such as […]
Adjusting Withdrawals to Market Changes
Retirees are learning there’s no magic in the magical 4% Rule. For years financial advisors touted this as the safe rate of withdrawal from retirement funds. For many people, it’s not looking so safe now. Fortunately, there are alternatives that have more reliable results. The 4% Rule states you can withdraw about 4% of your […]
Updating State and Local Tax Burdens
State tax codes are being shaken up, and that could shake up your retirement plans. State and local taxes are growing in absolute terms and relative to federal taxes. Total taxes paid are among the top three expenses for many retirees, and the share of state and local taxes is rising. We review the state […]
Finding the Bargains in Long Term Care Insurance
People who should consider buying long-term care insurance often report that they don’t because they believe it’s too expensive. LTCI is more costly than it needs to be because people make two critical mistakes when evaluating it. Avoid those mistakes, and you might find LTCI is more affordable. The first mistake is that people don’t […]
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May 2011
May 25, 2011 10:00 a.m. It’s Not All About Europe The stock indexes are set up for a fourth consecutive day of losses, and gold is trading at a multi-year high. The headlines say this is all caused by the latest episode in the long-running European debt crisis. That debt crisis certainly is a problem, […]
Avoiding Key Medicare Traps
Every government program has its technical requirements and details. Make a mistake or overlook a key point, and you lose some benefits or pay a penalty. Medicare is no different, but the consequences of an error can be very expensive. Here are some frequent mistakes to avoid. Medicare wants you to sign up when you’re […]
April 2011
April 29, 2011 08:00 p.m. A Turning Point in the Economy The economy is nearing a turning point, and few investors seem to realize it. We’ve been expecting it for a while and have our portfolios well-positioned for it. But as the point draws near, we’re becoming more cautious with the portfolios. The sell signals […]
New Pension Options for Small Business Owners
Folks age 50 and over, especially small business owners, generally are playing catch-up with their retirement savings. Many self-employed and small business owners don’t know all the retirement plan options available to them to enhance their savings. That’s understandable. There are many pension plan options available, and several were created quietly by Congress over the […]
