6 Retirement Account Changes for 2020 You Should Know

My Comments: Wow, it’s already Thanksgiving week. With all that’s going on it’s easy to lose track. Because we have family members here this week, some from far away, I may miss a couple of blog posts. One of my thanks comes from the raft of information that washes over us every day. Here's some …

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Have You Heard The Good News About Sea Level Rise?

My Comments: People my age tend to be less concerned about climate change than do young people. I guess it’s because by the time parts of the country become unlivable, we’ll be in our graves (they may be underwater but we’ll never know it). Since it appears changes are underway and for reasons that appear …

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The Real Retirement Math Is All About Cutting Spending

My Comments: Most of what we hear about getting ready for retirement is about having more money. And granted, life with more money is generally better than life with less money. But if your goal is to have a successful retirement, an equally valid approach is to also include the notion that if it costs …

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Too Many Investment Choices

My Comments: There are times when too much information simply turns our brains into mush. So it is for some people when thinking about retirement. There’s so much going on that it becomes noise, people stop paying attention, and when retirement arrives, they find themselves grossly unprepared. There’s a parallel described here by Erik Conley …

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10 Things to Know About Social Security in 2020

My Comments: As the article states, 64 million people receive a benefit payment every month, keeping at least 22 million of us above the federal poverty line. Beyond that, the article from Sean Williams speaks for itself. By Sean Williams \ 10 NOV 19 \ https://tinyurl.com/vm5dp2k Social Security is undeniably our country's most important social …

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Investing returns are likely to be much lower in the years ahead. What to do.

My Comments: Investors continue to enjoy a positive market environment, assuming they’ve invested in the markets and not sat on the sidelines, waiting for the inevitable crash. I’m guilty of some of that decision making. However, for the past few years I’ve also been sensitive to another existential risk faced by those planning for retirement …

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The Cost of Long Term Care

One of the existential threats faced by all senior citizens is developing the need for Long Term Care or LTC. It’s when you can no longer perform some of what are referred to as Activities of Daily Living or ADLs. It means there's a need for help from someone else when it comes to things …

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