Financial Advice for Retirement, Social Security, IRAs and Estate Planning

Cash Strategies in Retirement

Retirement Watch editor Bob Carlson discusses the importance of managing your cash well

Found 146 Articles.
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withdrawals-during-retirement

How To Take Withdrawals At Retirement

October 1, 2002

Retirees don’t receive much advice on the best ways to take distributions from their investment accounts after retirement. Financial firms have a wealth of easy-to-find information on saving through taxable and various tax-advantaged accounts. Yet they don’t seem interested in helping you decide how to plan withdrawals from the accounts. Most Americans have their retirement […]

The New World Of Mortgages

August 1, 2002

Mortgage rates still hover near their lowest levels in decades. That keeps refinancing near the top of many lists-of-things-to-think-about. If you are one of the millions thinking of refinancing a mortgage, you should know that the rules of the mortgage market changed in the last few years. Until recently, refinancing didn’t make sense unless current […]

how-to-get-best-deal-on-a-car

How to Get The Best Deal on a Car

July 1, 2002

Car buying has changed dramatically. Not long ago, the route to a good deal on a car was simple. Find the manufacturer’s invoice price of a new car and offer enough above that to give the dealer a reasonable profit. For a better deal, wait to buy during the traditional sale season from November through […]

reduce-broker-fees

How To Beat The Broker Fee Increases

June 1, 2002

You need to find the broker most suitable for you. Most brokers are reacting to the bear market by imposing higher fees on some investors. Each broker is seeking a particular type of client instead of trying to please the whole market. Find the broker that wants your type, and the fee increases won’t chip […]

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prescription-plans-save-money

How to Save Money with Prescription Plans?

June 1, 2002

Prescription drugs are more numerous and more important to health care. Unfortunately, buying them is getting more confusing. Unlike the early days of Medicare, today drugs are the prime treatment for many diseases and conditions. Often, diseases are treated or controlled by taking medication for life. Drugs are a big reason why, despite an older […]

when-to-begin-social-security

When To Begin Social Security?

May 1, 2002

Big changes are coming to Social Security. I don’t mean anything Congress or the President might do. These changes were put in place in the 1980s and are just taking effect. These changes affect the retirement of everyone who won’t begin receiving Social Security benefits by the end of 2002 and will influence when people […]

work-after-retirement

Should you go back to work after retirement?

April 1, 2002

Sometimes work doesn’t really pay. The sad fact is that older Americans have to analyze this issue carefully before taking a job. While the situation improved after 1997 and 2000 law changes, if you are receiving Social Security benefits returning to paid employment actually could cost you money. I regularly hear from subscribers whose marginal […]

rebuild-your-retirement-plan

7 Action Steps to Rebuild Your Retirement Plan

March 1, 2002

A retirement plan is a work in progress. You begin the plan with certain assumptions about your spending, inflation, taxes, investment returns, and other factors. Reality won’t match your assumptions as the years roll on. That’s why every few years, the plan needs to be adjusted. Once you are in or near retirement, you should […]

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