Retirement Articles
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Bob’s Journal for 8/6/20
Some Notable Events That Grabbed My Attention This Week The stock market appears to be dividing into an increasingly smaller group of haves and much larger have-nots. The Nasdaq 100 has been the best-performing index for a while. But most of its members have not participated in the latest surge. For example, though the index […]
How To Create a Trust for Your Heirs (Part 2)
In last week’s edition of Retirement Watch Weekly, I presented How To Create a Trust for Your Heirs. There are a few more important provisions and clauses for setting up beneficiary trusts, so let’s get right to it. Matching Trust: This is another clause designed to pay out trust principal only when the beneficiary has […]
Bob’s Journal for 7/20/20
Some Notable Events That Grabbed My Attention This Week Two headlines in today’s Wall Street Journal show how the pandemic has upended the economy. In fact, the economy has changed rapidly. In addition, some businesses have been helped while others have been hurt badly. One headline said, “U.S. Economy Posts Sharpest Downturn on Record.” It […]
Who’s Winning the Tug of War?
Policymakers started losing the tug of war during the summer.In the June issue, I said the fate of the economy and markets depended on the outcome of a tug of war. On one side is the coronavirus. Its effects are cur-tailing economic growth.On the other side is fiscal and monetary stimulus from the central bank […]
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There Has Never Been a Better Time to Donate Part of a Home or Farm
Historically low interest rates can generate historic tax benefits. At least one of these tax benefits can be reaped without giving up any cash or property: a charitable contribution of a remainder interest in a home, vacation home, or farm. Ownership of property can be divided into two portions. A lifetime interest, or life estate, […]
Retirement Medical Expenses Drop, but You’ll Pay Plenty Without the Right Plan
There is a bit of good news for those who are worried that retirement medical expenses will eat away their nest eggs, but you still need to plan carefully to minimize your out-of-pocket medical spending.Each year, the Employer Benefits Research Institute (EBRI) estimates the total out-of-pocket medical expenses that hypothetical 65-year-olds are likely to spend […]
Social Security Continues to Underpay Surviving Spouses
You simply can’t rely on the Social Security Administration (SSA) to help determine the right benefits for you, especially if you’re a widow or widower.What is even worse is that the SSA has been told about the problem for years and apparently has not been able to correct it. Here is the background. When a […]
Beware: The IRS Might Not Like These CARES Act IRA Strategies
The Coronavirus Aid, Relief and Economic Stimulus (CARES) Act, enacted in March, contained tax breaks related to retirees and retirement plans, including reduced penalties for taking early IRA distributions, waiver of required minimum distributions (RMDs) and the option to spread taxes on retirement plan distributions over three years. You can read the previous article for […]
