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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Get cash from your home

Get Cash From Your Home, And Stay Put

June 1, 2001

Home equity is the most valuable asset of many older Americans. Even after the big bull market, Americans real estate holdings (primarily through their homes) are more valuable than their stocks. But that real estate wealth doesn’t help pay bills. You can sell a small part of a stock portfolio to pay medical bills or […]

health-care-tax-strategies

Health Care Tax Strategies

June 1, 2001

Health care or long-term care can eat up a big part of a retiree’s budget – or the budget of a retiree’s children. Fortunately, the tax law can help pay for a big part of that burden. Deductions for medical expenses seemed to disappear when the rules were changed in 1986. Now, you can deduct […]

Beat Taxes on Social Security Benefits

Beat Taxes On Social Security Benefits

May 1, 2001

The 90% marginal tax bracket is alive and well. Most people believe that such high marginal tax rates ended with the 1981 and 1986 tax cuts. For most taxpayers, they did. But those high marginal tax rates exist today and are reserved for retirees. Many of you who recently completed your federal income tax returns […]

should-i-empty-my-ira-early

Should I Empty My IRA Early?

April 1, 2001

It is not always a good idea to keep money in an IRA as long as possible. In most cases, it makes sense to let income and gains compound tax deferred for many years. But that can change as you get older. You might benefit by taking more money out of an IRA than you […]

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how-to-slash-auto-insurance-costs

How to Slash Auto Insurance Costs

March 1, 2001

The airwaves are full of ads for lower auto insurance costs. But the commercials don’t tell you even half the story. Unfortunately, few people do their auto insurance correctly. There are many ways to cut your auto premiums without putting yourself at risk. This is especially good news for older Americans. Those premium reductions you […]

buy-rent-winter-home

Should you buy or rent your winter home?

December 1, 2000

Winter is coming, and the thoughts of many retirees turn to warmer climates. The next thought for those who plan to spend part of the year at a second home is whether it makes sense to buy or rent that refuge. Not many years ago that was an easy decision. Real estate almost always appreciated […]

how-to-make-nest-egg-last

How to Make the Nest Egg Last?

October 1, 2000

What return or yield do you need to make your nest egg last? How much can you safely withdraw from your retirement fund? Those are the key questions of retirement, because no one wants to run out of money. More people are asking these questions since interest rates settled near their lowest levels in decades […]

Surprising Retiree Tax Havens

Surprising Retiree Tax Havens

September 1, 2000

Did you know that you might be able to move from low-tax Virginia, retire in Massachusetts, and cut your tax bill dramatically? That’s true, if you are a federal government retiree. Your government pension annuity is exempt from taxes in Massachusetts and several other states, but not in Virginia. Florida seems like a tax haven, […]

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