drhoyt

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The Truth About Health Care Costs In Retirement

Wall Street research often dwells on what’s known as “tail risk,” a catchphrase for an dramatic outlier event that upends the best laid plans. So here’s a warning: you may well confront a medical spending tail risk in your 70s and beyond. That’s the strong takeaway from a recent study by five …

Health Care

Retirement Income: How to Know if You're On Track

Are you on track to have income that lasts throughout your retirement? Learn six steps to help answer this question and create a retirement income …

Retirement

How the Hell Do I Find the Right Financial Advisor?

The right financial advisor should offer objectivity, actionable advice, and excellent client service. And, they shouldn't be a douche. Here's what …

Retirement

The 3 Best Ages to Start Taking Social Security

Image source: Getty Images<p>You can start receiving your Social Security retirement benefits as early as age 62, but the longer you wait beyond that, up to age 70, the higher your monthly checks will be. The trade-off, though, is that the longer you delay, the fewer checks you'll receive over your …

Retirement

15 Tips for a Happy Retirement

If a happy retirement is what you’re seeking, here are 15 tips to make it happen.<p>1. Control Your Spending!<p>This could be the single biggest step in …

Guide to Series I and Series EE U.S. Savings Bonds

Beginner's Guide to Series I and Series EE U.S. Savings Bonds<p>Updated June 01, 2018<p>Savings Bonds are one of the oldest and easiest to understand …

How To Retire At 65 With Only Half A Million

This research report was produced by <b>The REIT Forum</b> with assistance from Big Dog Investments.<p>How to retire is a pressing issue we must all face at …

How to Make Steak Just Like a Steakhouse

You don't need fancy equipment or culinary training to make an excellent, juicy, seared steak at home. Follow these tips, then bring on the creamed …

BBQ

How to surf the web safely on public Wi-Fi networks

It's not necessarily a good idea to walk into a coffee shop and use the free public Wi-Fi without protecting yourself first. For sure, it's easy and …

Here's another reason to think twice before using your debit card

Consumers like paying with debit cards as a way to stick to a budget. For thieves, that plastic represents a lucrative spending opportunity.<p>In 2017, …

Slideshow: 14 Best Foods to Keep in Your Fridge

Here's the Average Length of Retirement. Will Your Money Last That Long?

There's a good chance you'll live longer than average, and you don't want to outlive your money. Here's how to avoid that.<p>If you're financially …

Buttermilk Biscuits with Sausage Gravy

This version is a bit lighter than the traditional buttermilk biscuits, but no less tasty.<p>Preheat the oven to 500 degrees F.<p>In a bowl, combine 1 1/2 …

How to Read Food Labels Without Being Tricked

Reading labels is a tricky business.<p>Consumers are more health-conscious than ever, so food manufacturers use misleading tricks to convince people to …

Time to Check the U.S. Economy’s Pulse

Expectations for the U.S. economy are seemingly running high. With tax cuts, a rising stock market, historically low unemployment, and solid …

Retirement Strategy: I Reach For Higher Yield When It Reaches For Me

<i>Source</i><p>I believe the recent popularity of dividend growth investing for retirement has become much stronger since fixed income assets have been paying …

Bert's December Dividend Income Summary

December is THE BEST month to be a dividend growth investor. Not only is it the third month of the quarter, the most popular month to pay a dividend, …

Small Batch Chocolate Chip Cookies

Preheat oven to 350 degrees. Line a baking sheet with parchment paper or a silipat mat and set aside.<p>In a small bowl using a handheld mixer, mix …

Dessert

How To Make Your iPhone Photos Look Professional

You are using an <b>outdated</b> browser. Please upgrade your browser to improve your experience.<p>Some Tip on How to Take Better iPhone Photos<p>iPhone …

Cutting the Cord: Apps That Allow You to Ditch Cable

You are using an <b>outdated</b> browser. Please upgrade your browser to improve your experience.<p>If the future of television is apps, then these apps are the …

Smart TV

Cramer: Never buy a stock all at once — you'll almost definitely get burned

At the end of the day, CNBC's Jim Cramer knows investors are only human.<p>That's why the "Mad Money" host has come up with a set of investing rules to …

Investing

Here’s how to clean a Keurig in just a few simple steps

The Keurig has become a common device in homes and offices because of its convenience: There’s nothing like popping a K-Cup in and getting an instant …

A cybercriminal's guide to protecting your identity

In September, Equifax announced a major security breach that exposed the personal information for about half of U.S. adults.<p>But most people didn't do anything to protect themselves. Some checked their credit reports and account statements. Fewer took steps to freeze their credit.<p>If you haven't …

Top 6 Things No One Tells You About Retiring

To make your retirement years truly golden, understand what may be coming your way.<p>Many of us look forward to retirement as the reward for a lifetime …

3 Ways to Make Your Retirement Money Last

<i>These spending and investing precepts may encourage its longevity.</i><p><b>All retirees want their money to last a lifetime.</b> There is no guarantee it will, …

How to prevent inflation from squeezing your retirement lifestyle

<i>I don't think most people appreciate how much inflation can affect their retirement plans. Can you explain how inflation can erode purchasing power during retirement and tell us what do to deal with this threat?--Peter</i><p>Inflation hasn't been front-of-mind lately probably because it's been quiescent …

3 Great Reasons to Take Social Security at 62

If you find yourself in any of these situations, think about claiming your Social Security benefits sooner rather than later.<p>It's popular to take …

This is the Best Safe Investment You Can Make

At a class I attended in 2012, I and other financial advisors in the room, were accused of malpractice by a well-known professor. What caused such an …

Retirement

Do This One Thing Each Year If You Want a Better Retirement

There is a time-honored way to manage your investment risks while smoothing out the ups and downs in the value of your nest egg on...<p>There is a …

Retirement