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The 30 Second Study That Shows How Well You Are Aging

Category: Health and Wellness Issues

Nov. 2, 2024 — Aging experts from the Mayo Clinic think they have found a simple way to test for how well people are aging. First, you stand on both legs for 30 seconds, eyes open, then 30 more with them closed. Then you stand on your dominate foot for…

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Published on November 2, 2024
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Is Travel Insurance Worth It?

Category: Travel

November 6, 2024 — Here’s a situation you’ve probably found yourself in more than once. You’ve just spent a lot of money on a dream trip, and along the way, the company urges you to buy travel insurance. You think: If I get sick, miss my plane, or face some…

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Published on November 6, 2024
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Looking for a New Country to Retire in?

Category: International Retirement

November 13, 2024 — Perhaps the adventure—or maybe the lower cost of living—has made you dream of retiring abroad. Or, maybe the contentious nature of American politics has you considering a change of country. Regardless of your reasons, there are many appealing options for dual citizenship or permanent residency. This article explores some intriguing countries to consider for retirement, including links to mini-retirement guides for specific destinations where available. At the end we will outline the pros and cons of retiring abroad. Dual Citizenship: A Top Option for Retirees Dual citizenship is often the most attractive option for retirees moving abroad, as it provides more rights and fewer restrictions than residency permits. Many countries offer residency to foreigners, but they usually impose additional financial or in-country residency requirements.

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Published on November 12, 2024
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Congress Pushes to Get Rid of Social Security Windfall Provisions

Category: Social Security

November 18, 2024. Bipartisan legislation that would repeal two provisions of Social Security easily passed last week in the House of Representatives. Current SS policies curtail benefits to about 2.8 million workers. The provisions that would be eliminated are the Windfall Elimination Provision and the Government Pension Offset. Currently many…

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Published on November 17, 2024
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Which Retirement Account Should I Take Money From First?

Category: Financial and taxes in retirement

November 19, 2024 -- A number of people are in the fortunate position of having multiple accounts tohat could fund their retirements. They might have IRAs, 401(k)s, 403(b)s, Roths, and/or non-retirement savings and investments. But which one(s) should they tap first when they need money for retirement. Note: We are in no way an investment or financial experts, we are just laying out the issues and providinginformation for you to consider in your planning. Complications affecting which account to withdraw from first Before you even get to withdrawal strategies, there are other financial considerations that might apply to your decision. Among others, those include: when to apply for Social Security benefits, Roth conversions, and the state of your finances. In general we believe that in most cases it pays to wait until age 70 to start collecting Social Security, assuming you have enough to live on until then, and you and your spouse have an average life expectancy. But we could write a whole article on whether it is better to delay when you take Social Security by using your savings and investments, or let that money ride, and collect early. Roth conversions, which allow you to tap retirement money tax free, is another complex subject, but often a worthwhile idea for people with big balances in their regular IRA and 401(k) accounts. These conversions need to thought through carefully, as you will pay taxes on any converted funds as they go in (but if you have low income or big losses you might be able to offset that).

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Published on November 18, 2024
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