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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buying-vs-leasing-a-car

Buying vs Leasing Your Next Car – Pros and Cons

July 1, 1999

The peak car-buying season is drawing to a close. That means prices are being cut and incentive deals are being offered for purchasing or leasing many cars. These deals come after most manufacturers actually lowered suggested prices last year. Values abound in the car world, but that’s no reason to leave cash on the table. […]

how-to-avoid-new-credit-card-traps

How to Avoid New Credit Card Traps

February 1, 1999

Always read those little booklets from your credit card company that describe changes in your card terms. I got quite a surprise when reading a recent one from Citibank, and millions of other cardholders across the country also received surprises. Unfortunately, many won’t learn of the new credit card traps until they learn how much […]

high-safe-income-annuities

Strategies for earning high and safe income from Annuities

December 1, 1998

The tax-deferral of annuities gets a lot of attention. But not much effort is devoted to the best way to get the highest, safest income from an annuity. Even less attention is devoted to buying an immediate annuity, one that begins paying income within a year. But you’ll hear more about these issues as insurers […]

roth-ira-conversions

Last Chance for Roth IRA Conversions

December 1, 1998

It is decision time for Roth IRA conversions. By letting the decision slip past Dec. 31 you miss a very profitable gift from Congress. As you probably know, Congress created the Roth IRA, which accumulates income and gains tax free, and from which all withdrawals are tax free. Another benefit of the Roth IRA is […]

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year-end-tax-savings

Strategies for Year-End Tax Savings

November 1, 1998

In the next few weeks you could add thousands of dollars to your net worth. Market volatility and new tax rules give you the best opportunity in years to reduce your income taxes with year-end moves. Here are some actions to consider between now and Dec. 31 to slash the amount you owe Uncle Sam. […]

reduce-taxes-social-security

How to Reduce Taxes on Social Security Benefits

November 1, 1998

Some of you are old enough to remember when Social Security benefits were free of income taxes, as originally promised. Now they can be taxed at a rate of up to 85%, if you are considered a high income retiree. (My report, Retirement Tax Guide has details. Call customer service at 800-552-1152 for information.) Year-end […]

Savings-from-tax-law

More Savings From The Latest Tax Law

October 1, 1998

In last month’s visit I gave you the main course from the buffett of changes in the latest tax law, enacted in July. There was a lot packed into that law, so here are a few side dishes you should know about. Roth IRAs. Most people are concerned with putting money into Roth IRAs or […]

estate planning

How to Use Your House to Increase Wealth

July 1, 1998

Many of you have achieved that ultimate financial goal of owning a home debt-free. As comforting as that is, it might not be the best financial move. Home equity can be a low risk way to increase your after-tax wealth, especially in this era of low cost, low interest rate, easy-to-get home equity loans. I’ve […]

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