Does Your Social Security Just Go Away When You Die? By Syndicated Columnists|October 29th, 2021 What happens to your Social Security when you die? “Those planning their retirements should consider what, if any, Social Security benefits could be available if you are the spouse, child, or parent of a worker who dies.” Many people […]
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Questions to ask yourself before choosing a Bank CD or annuity. “If you want to retire well, you will need to be even more vigilant about protecting your cash, both now and in the future.” Aside from the near-zero interest rates thanks to the Federal Reserve, people who save in traditional vehicles such as […]
What is tax-loss harvesting and will it work for you? “For many investors, tax-loss harvesting is one of the most useful tools for reducing capital gains taxes.” When securities and certain other assets such as real estate, are sold at a loss to offset a capital gains tax liability, the process is known as […]
Don’t let your financial advisor put you in a “box.” Social science researchers and best-selling authors Neil Howe and William Strauss were among the first to track and qualify American generations. In their famous book, Generations, Strauss and Howe introduced the concepts of “Millenials” and “Gen-x” into the modern vocabulary. Their new generational theory attempted to […]
What’s a life settlement, and could you benefit from having one? “Older Americans don’t know there may be an alternative to letting your policy lapse or surrendering it to the insurance company.” A primary goal for those who no longer get regular paychecks is to ensure they don’t run out of money in retirement. Making […]
Married? Unmarried? Retirement Planning is still essential Retirement planning is crucial enough as it is for a married family. Still, it becomes even more critical for singles or unmarried couples considering that they are not accorded the same tax breaks and advantages which a couple gets upon marriage. Statistical studies report that single women […]
When planning retirement, do you depend on projections based on future conditions or do you plan your retirement based on guarantees. The answer may surprise you; both can be the correct answer. It really all depends on your personal situation and what “time” period you are focusing for retirement.
In September 2013 a UC Berkeley study found that the wealthiest 1% of Americans saw their income grow by 31.4% between 2009 and 2012. Also it was discovered that income inequality in the United States was the highest since before the Great Depression. One reason why most in the middle class cannot move to a loftier position is our tax system. Workers are taxed at a different rate than investors — the difference between earned income and dividend and capital gains taxation is significant.
The stock index & how history can make you a smart investor “The best way to measure your investing success is not by whether you’re beating the market but by whether you’ve put in place a financial plan and a behavioral discipline that are likely to get you where you want to go.”– Benjamin Graham […]
There are numerous reasons for owning an annuity but the most often considered reason is using an annuity for income. Annuities possess a wonderful feature; an annuity will guarantee income for as long as a person wants, even for an entire lifetime. If you are considering exploring an annuity and are interested in getting an annuity quote, here are a few simple rules.