September 2008: “Little Known Social Security Benefits”
The vast majority of Americans have money invested in “the market”. By that is meant they are owners of stocks, bonds, mutual funds and other types of securities that have “market risk”. Mutual funds are oftentimes out-of-sight and out-of-mind in a 401(k), 403(b) or other retirement account. Generally, mutual fund owners do not carefully track ...
CLICK FOR FULL REPORT
August 2008: “Little Known Social Security Benefits”
If you’ve read my book Guide to Social Security… and A Better Retirement, you know that postponing Social Security until age 70 makes a great deal of sense for most healthy, married Americans that can do without the income. Of course, there are numerous exceptions, and before postponing your benefits you should seek professional guidance. Obviously ...
CLICK FOR FULL REPORT
July 2008: “The Hidden Escape Hatch in Your 401k”
Do you think income taxes are going up or down in the next couple of years? Judging from current presidential campaign rhetoric and the 2010 expiration of the Deficit Reduction Tax changes in 2005 and 2006, taxes are undoubtedly headed higher. Also, unless Congress acts, the Roth IRA conversion income rule will be suspended in 2010 so that high income individuals can
CLICK FOR FULL REPORT
June 2008: “Is the Economic Cycle Dead?”
I've written in this space several times recently that America
is entering economic stagflation. When the economy goes into a
slump (stagnation) but prices rise faster than normal
(inflation), that's stagflation. We're there! Stagflation is
much worse than a mere recession because inflation is
CLICK FOR FULL REPORT
May 2008: “Recession Proof Your Retirement Lifestyle”
If you're listening to the same economic news I am, you're
probably nervous. Bad economic news means retirement worries. To
sidetrack a recession, our government has printed a lot more
money to bail out the bad boys, pay for imported oil and more,
and spur demand for everything from apples to zucchini. More
money is now chasing the same, or fewer, things to buy. The
inflation rocket has been launched. The double bogey is higher
prices combined with
CLICK FOR FULL REPORT
April 2008: “Life's Longest and Most Expensive Journey”
You've reviewed your trip plans and recounted the money you'll
have to pay for your most expensive journey ever: retirement.
You think you have enough money, but there could be trouble
along the way. You'd feel better if you had a guaranteed
lifetime income for you and your spouse. After all, your dad got
a guaranteed pension for life from Mega Industries when he
retired in 1972. Is there a way for you?
CLICK FOR FULL REPORT
March 2008: “Is Outliving Your Retirement Money a Worry?”
You can now buy insurance to protect you and your spouse against
outliving your money. This coverage is for the retirement-minded
whose biggest fear is living longer than their money. You simply
deposit with an insurance company part or all of your retirement
money, and they guarantee you, and your spouse, a lifetime
annual income. Let's see how this works...
CLICK FOR FULL REPORT
February 2008: “An Uncertain Economy & Your Retirement Money”
If you'd like to know where to invest your retirement money,
there are virtually thousands of asset allocation calculators
that will tell you. Go to the web site on any mutual fund
company or brokerage firm for the free use of their asset
allocation program. You simply answer a few questions about risk
preference, give your age and presto they'll tell you where to
invest your retirement money. There's only one problem...
CLICK FOR FULL REPORT
January 2008: “Allocating Your Retirement Assets”
If you'd like to know where to invest your retirement money,
there are virtually thousands of asset allocation calculators
that will tell you. Go to the web site on any mutual fund
company or brokerage firm for the free use of their asset
allocation program. You simply answer a few questions about
...
CLICK FOR FULL REPORT
December 2007: “A Perfect Fence for Sitting”
You're retired. You've accumulated a sizable and hard-earned
nest egg to support you and your loved ones during the non-
working years. But you're scared. Sure, you'd like to see your
money grow in the stock market. But with bursts up and plunges
down of 100… 200… and even 300 points in a single day, the
market seems way too edgy a place to be betting your retirement
assets right now. Plus, the
...
CLICK FOR FULL REPORT
November 2007: “Major Flaws in Retirement Investing”
It's a fact that Americans in the red zone right before
retirement, or already in retirement, generally make two
mistakes when it comes to investing: first, they continue to
invest at sixty-something like they're still forty-something;
second, they "bunch investments" in short maturities as if all
their money is needed this year. This generally means
...
CLICK FOR FULL REPORT
October 2007: “A Lifetime of Income Guaranteed”
What is your plan for income during retirement? During your non-
working years you'll not have an income except from the money
you've saved and Social Security, unless you have an employer
pension plan. Most retirees will not win the lottery or inherit
a windfall. If you've read my earlier Newsletters, you know that
when you start Social Security and how you ...
CLICK FOR FULL REPORT
 |
 |
ADOBE
ACROBAT READER
Our Safe Money Advisory is in PDF format and requires
the free Adobe Acrobat reader to view. Click
here to install it if it's not already on your computer. |
