Retirement Articles
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How to Maximize the Tax-Free Portion of Each Annuity Payment
The popularity of fixed and immediate annuities is climbing for those in or near retirement. It is not surprising. An immediate annuity offers fixed, guaranteed payments. The payments can last for life if you want, and even for the joint life of you and a beneficiary. In today’s volatile and uncertain markets, annuities add a […]
July 2009
July 30, 2009 01:50 p.m. This Week’s Clickable Pages-revised The stock market bulls appear to have the upper hand in the markets this week, but I don’t think they have the better arguments. This week we look at a few analysts who make the case for caution, plus some other interesting writing I have come […]
Estimating the Cost of Long-Term Care
The cost of long-term care is a mystery to many Americans. They hear the cost is high, and occasionally they hear quotes of national averages of the cost. But that does not help an individual plan for the cost or decide whether to buy long-term care insurance or how much to buy. A valuable tool […]
Early Distributions Without Penalties
When cash is tight, people often tap their IRAs or other retire-ment accounts. There could be a penalty for doing so if you are under age 59½. But even then with a little planning you might be able to avoid the penalty and have more after-tax cash to spend. A distribution from an IRA or […]
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Changes Coming to Medicare Advantage Plans
The Medicare Advantage plans have been one of the more popular innovations in Medicare. Enrollment is up to 10.5 million, from only 5.4 million in 2005. But these plans will see some changes later this year, and that could increase costs or decrease benefits for enrollees. Traditional Medicare is a fee for service program that […]
Bailout Cash for Your Home
The government is encouraging you to upgrade your home. Undertake the right renovations, and the govern-ment will pay at least part of the cost through tax breaks. Some of the incentives are significant. The incentives are for energy efficient or renewable energy improvements and changes. Some of the incentives are new, and some are expansions […]
Taxes and Gold Investments
All the money the Federal Reserve has pumped into the economy is not leading to higher prices yet. Fed officials say they will be able to withdraw the excess liquidity before it leads to inflation. If so, it could be the first time a central bank successfully made such a reversal. Investors are concerned the […]
When It Pays to Mix IRAs and Annuities
There are many strategies to consider when it is time to take distributions from an IRA. In this visit we are going to cover two unique strategies that combine annuities with IRAs. Generally it is not a good idea to mix annuities and IRAs, because the annuity and IRA both have tax deferral. There often […]
