• Never Confront the Unknown Alone
  
  We use our investments to fund those things that we can predict: our children's college education needs, their weddings, and our retirement are examples. But we need to consider insurance for those things we can't predict: disability, illness, premature death of the wage...
• 5 Alternative Uses for Credit Card Miles in 2021 for Retirees
  
  Did you open a travel rewards credit card as you approached retirement, with hopes that the golden years would be filled with cruises and visits to your grandchildren? Given the past year, you may be sitting on a stack of points with some serious questions about when you'll...
• Estate Planning and Wealth Management 2021 - The Parabolic Shift
  
  There are several key issues in wealth management that are notable. Let's review these futurist ideas and concerns.Estate tax rules are probably going be changed this year. Many will give millions each to children and grandchildren this year to avoid estate tax and gift...
• The Difficult Retirement Road Ahead Requires Long-Term Planning
  
  The U.S. economy isn't a light switch that can be flipped on and off at will. Yet that didn't stop the majority of state governors from turning off their economies in 2020 - causing financial misery for tens of millions of people.The COVID-19 emergency finally appears to be...
• Del Villar: The Battle for Innovation the Right One to Fight
  
  It is time to fight the right battles before we face painful disappointment in the consequences. Our future depends on it.
• Poll: 15 Percent of Americans Worse Off a Year Into Pandemic
  
  About 38 million Americans say they are worse off now than before the outbreak began in the U.S., according to a new poll.
• Waiting for Fixed Annuity Rates to Rise Doesn't Pay
  
  If you're considering buying a fixed-rate annuity, which acts much like a tax-deferred version of a bank CD, should you wait until rates move higher?Probably not.First, it's impossible to know when or if annuity rates will move up. The rate you get today may be as good as...
• Why Properly Diversifying Your Savings for Retirement Is Critical
  
  When your golden years arrive, and it's time to retire, you're going to need to rely (at least partly) on your retirement savings, your "nest egg."Of course, Social Securitycan help, but it's only meant to replace about 40% of someone's retirement income. New retirees have...
• 6 Money Saving Strategies for Seniors on the Go
  
  The idiom "with age comes wisdom" is heavily attributed to the 19th-century poet Oscar Wilde but only represents half of his thoughts on the matter. The complete phrase? "With age comes wisdom, but sometimes age comes alone." For most of us, the older we get, the wiser we...
• 4 Questions to Ask Before Funding Your Child's Business
  
  As the e-commerce industry grows, younger tech-savvy generations are looking to put their skills to work by launching online side hustles and full-time businesses, a trend that has accelerated due to heighted job insecurity during the pandemic. But starting a business, or...
• If Social Security Were Really a Trust Fund, There Would Be Lawsuits Everywhere
  
  If Social Security were one of your private investments, instead of an entitlement, you might actually look for other options.Here's why.Since 2000, the Social Security Trust Fund has consistently been earning a lower and lower return on investment each year. From April...
• COVID-19 Mitigation Fallout: Retirement Savers and the Challenging Road Ahead
  
  The good news is it appears that COVID-19 is transitioning from being a pandemic "emergency," and on the way to becoming "asendemic as flu."What that means is this coronavirus is going to circulate seasonally, much like the other four human coronaviruses do, and like...
• Manage Inflation With Dead Reckoning
  
  All of the talk is about inflation. Gas prices are up. Food prices are up. Interest rates are climbing, and the government is going to pass a $1.9 trillion spending bill. This will be the largest spending bill in American history. The Federal Reserve is suggesting we need...
• Del Villar: Biden Tax Tidal Wave Will Be Retirement Nest-Egg Wipeout
  
  For too long, we have been told that deficits don't matter. Soon, we will see if that's true. Massive deficits plus soaring tax rates have never equaled prosperity.
• 185 Pensions Got Their $86 Billion Piece of the COVID-19 Rescue 'Pie'
  
  Both private and public pensions have been having major funding issues and struggling to get a good ROI for a number of years.So it's no surprise that any sort of economic relief package presented to Congress would include funds for pensions. Especially since a "bailout"...
• 5 Questions to Ask Yourself Before Downsizing
  
  Low interest rates and pent-up demand are making for a hot housing market so far in 2021. If you are heading toward retirement and planning to sell your home anyway, you may be wondering whether or not to take advantage of the seller's market and list your home sooner than...
• The New Public Option Seeks to Replace the ACA
  
  Last week, Senators Tim Kaine (D-VA) and Michael Bennett (D-CO) reintroduced their bill, the Medicare-X Choice Act, which would create a Medicare based health insurance plan is designed to offer more health care choices and lower costs in all states by 2025. Because the...
• 10 Tax Tips for Seniors
  
  There are a number of unique tax liabilities and advantages specific for people once they turn 65. It is important to understand changes in taxes specifically based on age, health,income levels, and filing status once people have reached retirement age.For example, a common...
• The Pandemic Changed the Way We Receive Medical Care
  
  One of the few good things to emerge from the wreckage of the pandemic is not having to go to the hospital in order to see a doctor - or even see him in person, for routine things like prescription renewals.Or have him come to see you.Hospitals are not unlike shopping malls...
• 5 Common Insurance Misconceptions That Could Cost You Money
  
  Insurance is a fact of life for most of us. You may currently be finding yourself enrolling in health insurance during this extended window, renegotiating your auto insurance policy based on extended work from home plans or shopping for a home insurance policy for your new...
• Del Villar: Fintech, RobinHood Testimony Shows Left's Contempt for Markets, Little Guy
  
  The average American is smarter, savvier, and more pragmatic about money than ever before. Our free market powers the private sector to create new technologies, illuminating paths to more prosperity than ever for those on the road to retirement.
• Should You Buy a Used Rental Car?
  
  With a shortage of automotive chips, we are once again not getting new cars and the used car market is on fire. There are many places to buy a used car.Rental cars are one option when considering a used car. Every year, thousands of rental vehicles hit the used car market....
• How an IRA Could Help Boost Your Retirement Beyond Social Security
  
  We've reported many reasons why you should not rely solely on Social Security to fund your golden years.Those reasons are in addition to the official advice that Social Security is only designed to replace about 40 percent of your pre-retirement income. Which naturally...
• Ponnuru: Stimulus Spending? A Likely Adding to US Debt
  
  If fiscal stimulus leads to a significant degree of monetary offset, it shrinks the case for that legislation , and suggests that the legislation itself should shrink, too.
• Social Security Is Just One Major Retirement Concern in 2021
  
  In case you haven't noticed, it's already 2021. It feels like just yesterday the coronavirus tanked the global markets.Following on the heels of the pandemic, this year is likely to feel like a financial rollercoaster for most savers. On top of that, the problems with...

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