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Home / Archives for Retirement Planning

What Is Medicaid?

Elder Law, Estate Planning, Estate Taxes, General, Powers of Attorney, Retirement Planning, Social Security, VA Aid and Attendance, Wills and Trusts

Unfortunately, many Americans are without much needed health care coverage. As a result, people often cannot afford preventative health care or treatment for serious medical conditions. If you are without health care coverage, the Medicaid program may be an option. Most people have heard of the Medicaid program, but many do not know how the program is administered, what it covers and how you may qualify. Medicaid is a program that is funded by the federal government; however, the program is … [Read more...] about What Is Medicaid?

Taking Advantage Of 401(k) Accounts

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It is important to look at the big picture if you want to be prepared for each and every phase of your life. While it is true that we are all constantly dealing with the matters of the present, the wise person does this with an eye on the future. If you plan on retiring at 65 you have to understand that you may well live for two decades or more after you stop working. It may seem like overstating the obvious, but you have to somehow finance this long stretch of time. As self-evident as this may … [Read more...] about Taking Advantage Of 401(k) Accounts

Veterans Have Clear Path To Retirement Income

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A lot of people feel challenged to meet all of their responsibilities in the present, so it is easy to understand why they may not want to think about planning for the future. However, this does not make it right. If you do want to retire at some point in time, you have to come up with some type of retirement plan that makes sense. Simply sitting idly by and expecting Social Security and Medicare to take care of everything when you reach the typical retirement age is going to leave you … [Read more...] about Veterans Have Clear Path To Retirement Income

Majority Of Americans Oppose Social Security Cuts

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When you are making plans for retirement it is important to pay attention to all relevant factors because things are always changing. It is challenging enough to manage your own affairs effectively, but there are also things that take place that are out of the control of the individual that can have an enormous impact on your retirement. For a case in point look no further than the Wall Street debacle of 2008 that derailed many carefully conceived retirement plans. In addition to market … [Read more...] about Majority Of Americans Oppose Social Security Cuts

Retirement Planning & Medicare

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It is important to be prepared to handle your medical expenses when you reach your retirement years, and of course Medicare is something that many people are going to be relying on. It would be logical to assume that you become eligible for your full Social Security benefit and Medicare simultaneously, but the reality is that this is not the way that the system is set up. People become eligible for full Social Security benefits at different times based on when they were born. Some would say it … [Read more...] about Retirement Planning & Medicare

Home Equity Conversion Mortgages

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You are probably going to want to start planning for your retirement years sooner rather than later so you have plenty of time to reach your goals. But when you try to plan for an event that is going to take place perhaps two or more decades in the future it can be quite challenging because there are so many things that are out of your control. Many people found this out during the financial crisis that took place a few years ago, and as a result there are those who are looking for sources of … [Read more...] about Home Equity Conversion Mortgages

Social Security, Medicare, Medicaid, & Budget Cuts

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Retirement planning involves looking ahead and making projections based on the information that is available you in the present. Of course this is an ongoing process and as new information becomes available adjustments are inevitably going to be necessary. There are a lot of things that are out of our control, and the financial meltdown that took place in 2008 certainly demonstrated to all of us that changes can come down the pike in a hurry. But it would seem on the surface as though one thing … [Read more...] about Social Security, Medicare, Medicaid, & Budget Cuts

FRAUD ALERT!

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IRS Warns of E-mail Fraud The IRS is currently warning taxpayers of an active e-mail scam in the Midwest. The scam involves e-mails supposedly sent from the IRS that bear copycat logos and the names of real IRS officials. The recipients are told that their payment for taxes due has been rejected. They are then asked to click on a link in order to fill out an attached form and thereby resolve the payment rejection issue. However, the attachment actually contains a virus. This virus allows the … [Read more...] about FRAUD ALERT!

Retirement, End Of Life & Estate Planning

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People sometimes talk about retirement, end-of-life, and estate planning as being three distinct different practices, but in a very real sense they're all branches of the same tree. If you had unlimited wealth you might have a "bundle" of resources set aside that you considered to be your estate that you knew for sure you would never need to touch. If that was the case you could be more compartmentalized in your thinking. However, for most of us, even those of considerable means, how your active … [Read more...] about Retirement, End Of Life & Estate Planning

Interest-Free “Loans” Via Social Security No Longer Available

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Working people of all ages know that Social Security exists because you can't help but notice the huge bite that it takes out of your paycheck every couple of weeks. But as your retirement years start to come into clearer focus Social Security becomes much more immediately relevant. While it is true that few people are going to be able to enjoy a robust retirement on Social Security alone it can certainly give you a boost. Most people are aware of the fact that the amount that you receive is … [Read more...] about Interest-Free “Loans” Via Social Security No Longer Available