“For many government employees, government life insurance may work well. However, there may be some shortcomings that make it worth looking into alternatives.”-Jim Fish. If you’ve been a federal employee for any time, you know that FEGLI (Federal Employees’ Group Life Insurance) benefits government workers. FEGLI is also one of the most extensive employer-provided insurance […]
“As the economy sputters, more companies are nickel and diming their customers into the poor house. If you don’t want your pockets picked, you must be exceptionally vigilant and avoid getting overcharged for ANYTHING.”- Eric Hutter. Precarious financial times mean upticks in crimes such as shoplifting and identity theft. A shaky economy also sees the […]
“Retirement income will last longer if you plan for market volatility. It’s critical to protect your money against “sequence of returns” risk.“- Dave Barr. The timing of withdrawals from your retirement account poses one of the most significant risks to your retirement success. For instance, taking money out of one of your accounts during a […]
How does Wall Street turn a zero percent growth into a 25 percent average growth deception? People love to talk about their amazing run of success in the market, the new hot stock, or the latest info on a new Silicon Valley Startup Tech Company that is poised to deliver a home run. However, the […]
There are two kinds of retirees, those reliant on income/distributions from their IRA and those who are not. Which camp you fall into depends largely on your other sources of income and whether they are enough to sustain you through retirement. You should know which group you belong to if you take an active approach […]
This is a story that most of us have heard before. Previously when you retired from your long-time employer, you received the “wristwatch “and your pension. Your pension plan was provided, even if the watch wasn’t! With the pension, you received a percentage of your income and were given a choice to include your spouse […]
“If you want to create a lifetime income stream from your fixed index annuity you can either take a lump sum payment or turn it into a series of payments using an income rider.”- Lyle Boss Annuities were initially created with only one option for lifetime payments. An annuity purchaser had to take their lump […]
“Exchange-traded funds (ETFs) and mutual funds are similar in many ways. How can you know which one is best for achieving your financial goals?- Anthony de Santis As its’ name suggests, an exchange-traded fund, or ETF, is a bundle of securities traded on an exchange, similar to stocks. Investment groups create ETFs using stocks and […]
“Digital money is already here, and it’s prolific. According to the Harvard Business Review, over 97% of money currently in circulation results from online transactions.” Eric Coons You’ve probably noticed that cash transactions have become as rare as payphones these days (Wait! What’s a payphone?). In 2010, for instance, nearly half of all financial transactions […]
Paying taxes in retirement is a big no-no for many individuals. If you wish to receive tax-free income in your retirement days, life insurance might be a way to make it possible! Covid-19 has shaken up everybody about their finances and made them more aware of their future. That is why Boomers and Gen Xers […]
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