Money & Finance

What is really taxed in retirement?

Do you look forward to retiring? You may have your retirement plan and spending budget all set, or you may still be putting it all together. Have you allowed enough in your retirement planning and spending budget to take care of taxes? Taxes and Your Retirement Dreams Someday, you dream of being able to work if you want to do so. For many Americans...Read More

Could You Become Car-Free?

It wasn’t a decision we took lightly. In fact, Billy and I discussed the idea of becoming car-free for several years. There were good reasons to do it: no more maintenance and repair costs; no more fees for insurance, license plate renewal, or registration; no more fuel expense; and no more worry about storing the vehicle here in the States w...Read More

Fraud Happens. To US. Here’s What to Watch For…

Seniors lose $36.4 billion each year to financial abuse — $16.8 billion of which comes from deceptive investing tactics designed specifically to take advantage of older Americans.¹ Also known as “financial exploitation,” this type of investment fraud is defined by the use of misleading language to obtain account information and permission to access...Read More

5 Scams Aimed at Baby Boomers

If you’re visiting your mom or dad and see an excessive amount of junk mail, take note: Your parent might be a prime target for fraud. “If your parents’ mail is filled with sweepstakes notifications, free gift offers and more magazines than they could possibly read, chances are good they’re on a ‘sucker list,'” w...Read More

Tips To “Customize” Your Social Security Benefits

April is National Social Security Month. It’s a perfect time and opportunity to discuss the advantages of “customizing” your social security benefits. Everyone needs to know what the social security benefits are so you can prepare for retirement. Since baby boomers are now living even longer than their parents, there is often a need to utilize any ...Read More

Want Your $$s to Last? Create Financial Sustainability!

These days, no matter what the topic, the talk is all about sustainability. In regards to financial sustainability, there are 3 legs to the stool; Income, spending and Investments. Income Income is derived from money you make through your job using physical or mental labor or both. Passive income can be created through property rentals, bond intere...Read More

Retirement Countdown? Here’s Your Cheat Sheet!

One day you’re celebrating the first day at a new job. The next thing you know, toasts are being raised at your retirement party. With each passing year, the hands on the retirement clock spin faster. That’s why it’s wise to establish milestones — at 10 years, five years and one year out — to fine-tune investment strategies, buffer against market v...Read More

Working Longer? GREAT! Here’s Why ($$$-hint, hint)

WELCOME BACK to our 3-part series on the benefits of working longer.  Here we look at the financial advantages of staying in the workforce later-in-life. Now we know that financial factors are exactly what drive most people to work longer and a lot of people probably read the first article and thought, “Working longer?  I have no choice!”  But no m...Read More

What’s Next for Social Security?

Key Points Social Security’s 2018 cost of living adjustment will be the largest in six years For many, higher Social Security benefits will be offset by increased costs for Medicare The Social Security system faces long-term challenges, but may be healthier than you think In recent years, Social Security recipients have had to settle for little or ...Read More

Working Longer? GREAT! Here’s Why….

WELCOME to our 3-Part series on the benefits of working longer! Benefits, you say? You betcha! Here, (Part 1), are some of the physical and mental health benefits… When you first start your career it feels like you’re opening up a book, knowing that when you get to the end of that book there will be a happy ending: retirement!  While many peo...Read More

Weighing Social Security Income During Retirement

As you get closer to retirement age, you’re probably taking a peak at the Social Security statement. Will it be enough? Most seniors find relying Social Security benefits alone don’t nearly cover all expenses. In fact, some even have to pick up a job again so they can make ends meet. That idea may not bother you now, but when you finally hit the re...Read More

5 Retirement Income Strategies for Near-Retirement Workers

It’s a tricky thing to maneuver retirement income, but at some point we all have to do it, preferably before we leave our jobs. As we approach retirement, we may be wondering exactly how much longer we need to work, and if we’re really prepared for managing the money we’ve spent our careers stowing away for such a day. It’s a lot of pressure. But l...Read More

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