Owner: Retirement Income URL:www.retirement-income.net/blog Join Date: Wed, 14 Jan 2009 23:58:46 -0600 Rating:0 Site Description: Guidance for increased retirement income and retirement investing for those already retired or very close to it Site statistics:Click here
Retirement Investing During Deflation 2009-01-14 11:25:11 If a recession becomes severe, dollars may suffer from deflation rather than inflation. This would change the rules you have for retirement investing over the past 30 years. What should retirees consider doing if deflation sets in?
We’re familiar with the effects of inflation. Our dollars just don’t buy as much as they used to. Too [...] Read more:Investing
What’s Not Taxable of your IRA and 401(k) Distributions? 2009-01-12 10:45:42
Generally, your IRA and or company 401(k) distributions are taxed as ordinary income. That’s because you funded them with tax-deductible contributions and all the earnings of these contributions have been tax-deferred. So nothing has been taxed. Taking a distribution before turning 59½ will add a 10% penalty tax to the income tax.
Nevertheless, you may have made some [...]
Retirement Distributions–How to Cut Senior Taxes 2009-01-09 11:47:26 How you Use or Spend Your Savings Determines how much Retirement Tax You Pay
When it comes time to tap your savings and investment accounts, investors often ignore which source should come first for retirement distributions. In general, many experts often advise investors to draw from their taxable accounts first, then tap qualified accounts such as IRAs and 401(k)s [...] Read more:Taxes
In Search of Retirement Income—International Bond Funds 2009-01-08 20:50:35 Some foreign governments may offer a higher interest rate on their bonds than the US Government does. Additionally, some foreign corporations might offer a higher interest rate than the US companies. For retired investors, this could be an opportunity to diversify in an area that offers potentially higher returns, more stable returns and a hedge [...] Read more:Search
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Retirement Income for Life with a Senior Tax Break 2009-01-07 13:42:43
Most people think about charitable bequests as part of their will or trust to be consummated when they die. However, you will miss some senior tax breaks if you wait until death. If you attend to these charitable giving issues while alive, there are some big tax breaks available and a decent income for life.
Charities [...] Read more:Income
, Break
Variable Annuities and the Guaranteed Minimum Payment Rider 2009-01-05 11:30:56 People invest in variable annuities for many reasons including the tax-deferral of earnings, the ability to name beneficiaries and avoid probate, the growth potential of the managed sub-accounts and potentially the death benefit.
Then whenever they are ready to withdraw an income from their annuity, they have the opportunity to select lifetime income payments. However, with [...] Read more:Variable
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TIPS to Fight Inflation (or deflation) During Retirement 2009-01-04 12:27:22 Perhaps noments word is scarier to a fixed income investor than inflation – especially for those who depend on the yields from bond investments for their retirement income needs. For example, inflation can reduce the payout rate of bonds over the long-term, as the higher costs of living can often weaken the purchasing power of [...] Read more:Inflation
Bond Investing for Retirement 2009-01-03 21:32:29 What Happens to Bondholders When a Company Goes Bankrupt?
Seniors and retirees like bond investments because they provide a steady income, diversify a stock portfolio, and are backed by the issuer’s financial strength. But things don’t always go as planned. Companies occasionally have financial problems and must file for bankruptcy as you well know.
Investors holding bonds in bankrupt [ Read more:Investing
Non-traditional Mortgages Could Save You Money–or pay you like a Reverse Mortgage 2009-01-02 11:39:30 Use of nontraditional mortgages has increased among home buyers, according to a Wall Street Journal Online/Harris Interactive poll–could you benefit too?
There are four major types of non-traditional mortgages:
Interest-only mortgages, which have received considerable media attention as home prices have skyrocketed, allow borrowers to pay interest but no principal during the early years of Read more:Money
, Reverse
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, Reverse Mortgage
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