My Comments: I’ve taught Social Security workshops over the years and both my wife and I signed up for benefits. I think I know a little about this issue but this question inevitably resurfaces. And it’s become more problematical since there’s discussion now about changing the age criteria. This is largely because so many of …
Continue reading When Should You Start Social Security Benefits? It Depends
My Comments: Long Term Care is an insidious financial threat for all of us. The potential for it to cost far more than our financial resources can handle is very real. The only remedy I’m aware of is to die before that happens, and I, for one, am not ready for that to happen. So …
Continue reading 4 Times Long-term Care Insurance is Worth It
My Comments: As a financial planner for the past five decades, I’ve seen my share of success and of failure. These days, too many folks have money worries that are very uncomfortable. It’s largely because while you’re young and working, it’s hard to conceive the day will come when your income stops or dramatically slows …
Continue reading Four Unseen Icebergs That Could Sink Your Retirement Plan
My Comments: Soon after I “retired”, I became what I describe as “terminally bored”. That resulted in my returning to work, albeit part-time without some of the stress from working full-time. However, I find I still have to work hard to keep from watching the clock all day long. The following seven habits include obvious …
My Comments: These words appeared some time ago but are still very relevant to those of you expecting to retire at some point. Yes, it’s difficult to think about, but if you remain alive and well, retirement will arrive and having a developed framework in place will help you enjoy your retirement. As someone who …
Continue reading 5 Commonly Held Beliefs About Retirement That Are Simply Wrong
My Comments: Many here in the US continue to deride those of us who believe climate change is real. Much of that is political and to the detriment of all of us. My family lives in Florida and while our insurance rates have not increased to the extent described below, they have gone up. The …
Continue reading Climate Change is Fueling the US insurance Problem
My Comments: This a long post, but the topic is critical for many of us. People are living longer and longer which significantly increases the odds of needing some serious help before the end arrives. And in most cases, it ain’t cheap. Fortunately, my wife and I are still relatively functional, though we both see …
My Comments: I’m well into my so called “retirement” and believe I’m in Stage 2 given my age and circumstances. Life could probably be better, but it is what it is and I’m OK with that. I’ve spent many years trying to help other reach what this author describes as Stage 2. Sometimes I’ve been …
Continue reading The Five Stages of Retirement (and How to Skip Three of Them)
My Comments: Some of this seems counter intuitive but I can’t tell you how many times I’ve talked with people who have retired and seem unable to enjoy their lives. The six signs described below need to be focal points for most people when reaching age 60. By that time you probably know that at …
Continue reading 6 Key Signs You Will Be Able To Enjoy a Middle-Class Retirement
My Comments: First, 35 mistakes is more than anyone is likely to make. Second, despite by having been a professional financial planner for almost 50 years, I can tell you that despite my presumed skills, I made some serious mistakes along the way. Third, there’s a lot here to absorb, but I hope you make …
Continue reading 35 Retirement Planning Mistakes You’re Wasting Money On
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