Retirement Articles
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New Use for Reverse Mortgages
Congress snuck a new use of reverse mortgages into the Housing and Economic Recovery Act of 2008. Reverse mortgages traditionally are for people who already own homes and want to tap their equity. The new provision, known as HECM for Purchase, lets you use an insured reverse mortgage to buy a home. Here is how […]
Roth IRAs for Summer Work
Here is a power-packed way to help your grandchildren or children this summer. It gives them a financial incentive to work, but it also is a long-term incentive that will show them the value of saving and investing. Plus, you will provide them the core of a nest egg with Roth IRAs. The strategy is […]
Working While Receiving Social Security
Investment losses and rising costs are driving many Social Security recipients back to the work place. A question to consider is how earning income affects Social Security benefits. One of the original goals of Social Security was to remove people from the work force. Unemployment was high. Social Security would gradually induce older workers to […]
A Checklist of Estate Planning Issues to Remember
Estate Planning discussions tend to focus on the big picture, big money issues. Who receives what? Should we use a living trust to avoid probate? If estate taxes are a possibility, the menu of estate tax reduction strategies is considered. There are a host of other issues that often are overlooked. Sometimes the estate planner […]
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Who Will Benefit from Your IRA?
One of the most important decisions about an IRA is naming the beneficiary or beneficiaries. There are many candidates for the biggest mistake made by IRA owners, and one of the leading contenders is the failure to name a beneficiary or naming the wrong beneficiary. If no beneficiary is named, the estate is the beneficiary. […]
Estate Planning to Handle the Two Trickiest Assets – The Family Home and Personal Property
Experienced Estate Planning professionals know the assets most likely to cause problems with heirs are those estate owners treat routinely. Often, it is the commonplace assets the owner does not give much thought to that stir up emotions among at least some of the heirs. It is not a problem only of the rich. Sometimes […]
When Medicaid Will Pay for Long-Term Care
Many people still expect that government programs will pay for their long-term care needs. They do not understand the limited assistance government programs provide for long-term care needs. Medicare, the program for those 65 and older, has restricted coverage for stays at long-term care facilities. The coverage generally is only for brief periods of rehabilitation […]
The IRS and Gold ETFs
In last month’s visit we discussed the tax treatment of various gold investments. Investments in bullion and coins are considered collectibles. These assets cannot be held in an IRA. If an IRA purchases a collectible, it will be treated as a distribution of the amount of the purchase. The amount must be included in gross […]
