Two-Thirds of Americans Are in for a Huge Financial Shock in Retirement

My Comments: My time these days is spent promoting my book, The Dynamics of Retirement, and the complementary online course I created. I consider myself semi-retired. If you're interested, there's an image of the book just to the right on this page. People often fail to realize retirement turns out to be a 25-30 trek …

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Health Savings Accounts Get Even Better

My Comments: Health Saving Accounts or HSAs are an IRS approved account where you set aside before-tax money and are allowed by make withdrawals tax-free for health related expenses. They'll prove to be a valuable tax free source of money in retirement, but you have to accumulate a meaningful supply of money in them before …

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Coronavirus drives health insurers back to Obamacare

My Comments: No one disputes the argument that health care in this country is expensive. No one seems to dispute that quality health care in this country is readily available if you can afford it. What is disputed is why, among the 30 or so highly industrialized nations in the world, we rank almost last …

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Did the Coronavirus Originate Outside of Wuhan?

My Comments: My readers have long known of my lack of respect for Donald Trump. Some ten days ago, he and Mike Pompeo began a coordinated effort to shift the blame for our slow response to the Covid19 pandemic. The idea was to allege there was voluminous evidence it originated in a lab in Wuhan. …

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Covid19: Four Men Responsible

My Comments: Last Wednesday I posted something about Covid19 that resonated with me. Since then, I've I decided I'm tired of always writing about the stock market, about retirement planning, about Social Security, etc. Life for too many us has been turned upside down by the pandemic. So this week I'll be writing more about …

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Why We Weren’t Ready for the Coronavirus

My Comments: I found this to be a rational, entertaining and objective analysis of circumstances in which we find ourselves. It's ubiquitous, and it's potential for doing harm to me and my family is not far from my conscious thoughts seven days a week. I'm not sharing in an attempt to assign blame for what …

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What’s Happening Today…

I write these posts because it helps me stay busy, and because it’s easier for me to express my thoughts through my finger tips than it is through my mouth. I cannot untangle my tongue very well; I can easily erase and rewrite something. If I say something helpful, I'm pleased, but mostly I do …

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Should You Always Sign Up for Medicare Part B at 65?

First, everyone should understand that Medicare Part A covers inpatient hospital and skilled nursing care. Medicare Part B covers all outpatient needs, doctors services such as office visits and surgery, MRIs, chemotherapy and the list goes on. Second, to qualify for Medicare at all, one must work and pay taxes for 10 years or 40 …

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Retirement: The Go-Go, Slo-Go, and No-Go Years

My efforts today are spent teaching others about the dynamics of retirement. I do this with an online effort, the goal of which is get them ready for retirement and enjoy the rest of their lives. With luck, they’ll experience all three. Chances are, if your health is good, you’ll start with the Go-Go Years. …

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Working Past 65 Can Affect Your Social Security Benefits and Medicare Premiums

Why age 65? Why is that such a pervasive number when thinking about retirement? My assumption is that it first appeared in documented action in 1935. That’s when Congress  passed the Social Security Act, designed to pay workers age 65 or older a monthly stipend from amounts they would pay into the system. I suspect …

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