J

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How I 'Found' $300,000 for an Elderly Relative

Hours of sorting through documents and tracking down accounts led to an unexpected discovery. If you have elderly relatives, you should consider …

Retirement

Here Are The 5 Biggest Financial Rip-Offs To Avoid

Ripping a band-aid off a wound that hasn’t completely healed hurts. Ripping duct tape off your unshaven face? Now, <i>that’s</i> painful.<p>But, do you know what hurts even more?<p>Getting ripped off — that’s what.<p>There’s nothing worse than getting ripped off and losing your money on an investment you should …

Investing

Why more people should probably use pre-tax retirement accounts instead of Roths

It's not about your income, it's about your tax rate.<p>Anyone saving for retirement has probably had to decide between saving in a Roth account versus a traditional retirement account.<p>The biggest reason people recommend saving in a Roth account is if you think you'll have a higher income in …

Retirement

Conor McGregor Gives A Lesson In How To Dress For A Court Sentencing

The day of reckoning finally arrived for Conor McGregor yesterday when he landed in New York to face justice for his assault on a bus full of UFC …

When you write your will, don’t mess this up

Two chores that most people gladly put off: The first is writing a will—and the second is updating it to reflect changed circumstances. Either way, …

This Couple Discovered a Simple Way to Save Tens of Thousands of Dollars a Year When They Retire

The recent tax cuts make this move even more appealing.<p>Clark Hurst first discovered Clear Creek Tahoe, a golf community near Lake Tahoe, a few years …

Here's how the Social Security retirement benefit formula works

Do you know how much retirement income to expect from Social Security?<p>Social Security is the largest retirement program in the United States, but far too many people don't understand how their retirement benefit is determined. Knowing how Social Security benefits are calculated can help you make …

Retirement

5 Legal Ways To Get Tax-Free Income For Retirement

No one likes paying taxes. Even with the supposed cuts of the Trump tax plan, I hear people complaining about how much taxes they are paying. But with a little help there are a few ways to get tax-free retirement income.<p>I help people work toward reaching financial independence. You know, the day …

Retirement

7 Questions to Ask Before Hiring a Financial Adviser

It pays to know the difference between the financial professionals offering to help you with your investment and retirement decisions before you make …

9 Things You Need to Do Before You Retire

So you're at that stage in life where you're starting to think about retirement. Congratulations! If you're like me, when you were 20, it was hard to …

Collect $3,333 In Monthly Dividends On Just $500,000 For Life

Most investors with $500,000 in their portfolios think they don’t have enough money to retire on.<p>They do – they just need to do two things with their …

The top 9 retirement-friendly freebies that can save you big bucks

Everybody loves free stuff, regardless of how old you are or how much money you have. Finding great deals and discounts can really help stretch the …

These Are the Rules About Roth IRA Withdrawals

Roth IRAs offer tax-free growth and more flexible withdrawal rules than traditional retirement accounts, making them the savings product du jour for …

One Way to Create Income for Life and a Guaranteed Inheritance for Your Kids

Here's how I helped my client take the RMDs he didn't need and turn them into peace of mind for his children's future.<p>Jim was a retired corporate …

Retirement

96% of Americans are not taking advantage of this Social Security benefit

Boosting your monthly Social Security check is easier than you may think.<p>One of the biggest advantages of the Social Security program is its flexibility. You can start claiming retirement benefits as early as age 62, or you can wait and receive fatter checks each month.<p>The amount you'll receive in …

Retirement

Suze Orman Says This Is the Age You Should Retire—Not a Month or Year Before

<i>Originally published by Money</i><p>One of the most popular segments on my CNBC show was “How Am I Doing?” Viewers would call in and tell me everything …

Retirement

This is how it feels to be a millionaire and still feel broke

By Michelle Singletary<p>Columnist<p>I met the woman after speaking at a recent Bible study at my church.<p>My pastor, John K. Jenkins Sr., has been doing a series of study sessions on personal finances. On this night, we were teaching together about getting out of debt.<p>“You don’t have a money problem, you …

Retirees Often Make This Major Social Security Mistake

Many people take Social Security early and put off tapping into their IRAs and 401(k)s until they must. But that's the opposite of what most should …

Retirement

65% of Baby Boomers Are Making a Huge Financial Mistake That Could Leave Them Broke

Seniors on Medicare pay 13% of health expenses out-of-pocket, according to studies.<p>Each day, around 10,000 baby boomers in the United States hit …

You'll Spend 80% of Your Retirement Money on These 5 Things. Here's How to Save on Them

70% of people are missing out on a chance to save on healthcare costs.<p>If you're retired, you need to be smart about how you spend your money. To do …

Personal Finance

Simple Strategy to Spend Safely in Retirement

Delaying Social Security and using RMD rules to draw down your nest egg is a winning combination for middle-income retirees.<p>Retirement-income …

Retirement

3 Costly Mistakes Seniors Must Avoid

One of these mistakes could mean you pay at least 10% more for Medicare coverage.<p>When you're retired, you have to rely on your savings, Social …

2 Free Tools That Will Help You Retire Richer

Easy-to-use, online help.<p>Next week is National Retirement Planning Week. Okay, maybe you’re not the kind of person who’ll mark this august occasion …

My Search for a Financial Adviser

Despite being a money expert himself, Kiplinger editor Mark Solheim found the advice industry to be a labyrinth of credentials and opaque fee …

Personal Finance

How to Vet a Financial Adviser

Be sure to interview a few options and check into their backgrounds before hiring someone.<p>Interview a few advisers before you settle on one. Having …

Retiring? How to keep your cash from the taxman

It used to be simple: you would work for one company your entire career and then, aged 60 or 65, finish on the Friday and get your workplace pension on the Monday.<p>Until the introduction of "Peps" and - from 1999 - Isas, most people had relatively simple finances. Pensions were inflexible for all …

37 States That Don't Tax Social Security Benefits

Is your state one of them?<p>Around one third of Americans expect Social Security will be a major source of their retirement income, according to a 2017 …

Retirement

5 Reasons Not to Retire Before 66

One of them has to do with your health.<p>Just over half of Americans retire between the ages of 60 and 65, making this the most popular age range for …

Retirement

This One Chart Can Help You Retire Richer

Here are its key takeaways.<p>We’re all familiar with the caveat that past results are no guarantee of future performance. While that’s true, …

3 Reasons to Retire as Early as You Can

Are you forgetting about one of your most valuable assets in life?<p>Time is one of the most valuable assets at your disposal. Unfortunately, many …

Retirement