Retirement Articles
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How to Deal with Medigap Premiums
Premiums for Medicare supplement insurance are climbing again. Insurers report premium increases of 10% and more. For some policies, the premiums will increase over 40%. The sharpness of the increase depends on your state and the type of policy you have. The highest premium increases are for Medigap policies covering prescription drugs. Of the 10 […]
IRS Approved Tax Benefits for Charitable Remainder Trusts
Taxpayers can get great income and estate tax benefits from one strategy – without being aggressive. The IRS recently said it would stop fighting a strategy that tax advisors have advocated for years. Even better, as a result of the bull market this tool is ideal for more people. If you’ve been reading Retirement Watch […]
How to Keep More of your Social Security Benefits
There’s great news from Washington. Repeal of the “earned income limit” on Social Security beneficiaries passed Congress, and President Clinton said he would sign it. The bad news is income taxes still are imposed on Social Security benefits. Under the earned income limit, a beneficiary who receives “too much” income from working loses some of […]
Tips on Getting The Right New Mortgage
Mortgage interest rates are tumbling, spurring many people to buy homes or refinance current mortgages. When shopping for a mortgage, one of the first decisions is whether to choose a fixed rate or adjustable rate mortgage (ARM), sometimes known as a variable rate mortgage. Often there is a meaningful difference, or spread, between interest rates […]
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New Retirement Living Choices
Traditional retirement living and housing choices are on the way out. The new generation of retirees is looking for new living experiences. Developers are obliging, giving older Americans more choices for living arrangements than ever. These new choices involve more than locating outside the traditional retirement havens of Florida and Arizona, as I discussed last […]
Easy, No-Risk Ways To Boost Dividend Yields
Income investors have had a rough time. Even after the recent run-up in interest rates, yields still are far below what they were a few years ago. Income investors whose investments have matured have had to reinvest to receive lower income. It is understandable that long time income investors don’t want to take the risk […]
7 Shrewd Insurance-Buying Tips
Insurance mistakes can be among the most expensive financial mistakes. Own too much insurance or the wrong insurance, and each year you’ll pay hundreds or thousands of dollars in premiums that don’t do you much good. Own too little insurance, and you could end up paying for losses that easily and cheaply could have been […]
Profiting From “Excess” Annuities and Cash Value Life Insurance
Many of you own annuities or cash value life insurance that no longer fit your needs. They were good ideas when you bought them. But times have changed, and so have your needs. Fortunately, there are strategies you can use to enhance the value of these policies to you. Let’s look at a creative strategy […]
