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February 25, 2011 04:45 p.m. Gundlach, Gross and More Events in North Africa and the oil markets dominated the last week’s news. Our portfolios have held up well because of their diversification and hedging, so we don’t need to make adjustments until we get a better idea of how events will play out longer term. […]
Reverse mortgages received several changes in the last six months or so. The changes make the mortgages more attractive in general and, unlike in the past, they can make some sense for relatively short-term cash needs. In a reverse mortgage, the homeowner with little or no mortgage on his home receives a loan. The loan […]
There are two big mistakes many people make in their retirement (or post-career) planning. One is to underestimate inflation and its effects during your silver years. The other mistake is to underestimate life expectancy, or longevity. For example: A Society of Actuaries survey in 2005 found two-thirds of retirees underestimate the average life expectancy at […]
All year I see studies and surveys estimating the percentage of people who don’t have enough money to retire, or at least retire the way they want. Lately, the focus has been to estimate the number who were pushed from the safe category to the at risk category by the financial crisis and decline in […]
What you don’t know about retirement can hurt you. In fact, just a few wrong decisions in your investments, taxes, or estate planning could completely derail your retirement plans. Worse yet, the rules of the game keep changing, making it harder to keep up. For these reasons, I’ve assembled all the key points – everything you need to know — into one comprehensive report. Click here today for free access.
Most people begin taking Social Security retirement benefits at the wrong time. The decision can cost them and their survivors quite a bit of money over their lifetimes. It’s not surprising. Several factors must be considered to make the right choice, and some key elements changed over the years. A majority of people claim Social […]
A major fear of retirees and those nearing retirement is running out of money. You can stretch your retirement funds by planning the order in which to spend your different investment accounts. Paying attention to the drawdown order increases after-tax wealth and makes your money last longer. Most people have more than one type of […]
Headlines the last couple of months pointed to serious problems in long-term care insurance (LTCI). The Wall Street Journal blared: “Long-Term-Care Premiums Soar.” This shortly was followed by news that a major player in LTCI, MetLife, was stopping the sale of new policies. The first article detailed sharp proposed premium increases on existing policies by […]
Most estate plans are woefully incomplete, and heirs and loved ones often suffer. Of course, too many people don’t have any estate plan. Of those that do, some think a living trust or joint title to assets with their spouse is all they need. Others think a will and trust is a complete estate plan. […]
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