For anyone with aging parents, the question of getting help for your elders is likely to come up eventually. At some point, most families want to find someone to help a parent or grandparent remain safely at home. The effort to get a caregiver often starts out casually. You ask around. Someone refers you to
Mutual Funds
Seniors getty The Covid-19 pandemic has been a catastrophe for frail older adults. More than 170,000 residents and staff of long-term care facilities have died from the virus, and adults over age 65 living in all settings have accounted for about 80 percent of the nation’s deaths, or about 400,000 fatalities. But what lessons have
Dollar-holders have enjoyed increasing buying power abroad every year since 2013, with each year’s dollar advantage eclipsing the last. Those considering diversifying into real estate overseas but procrastinating on a purchase have been rewarded as they’ve watched properties in key markets become cheaper in dollar terms year after year. Until 2020. Last year, the dollar
The pandemic is a constant reminder of the need for emergency savings – but underlying that reminder is the need for financial know-how to make the best decisions in a most challenging world. For the workers who need it most, however, the trick is getting them vital financial help and info. This article has morphed
Medicare Part B Drug Plan Deductibles Can Be Complicated getty Medicare Part D prescription drug coverage can cause confusion, and much of that starts with the deductible, which is the first of the Part D drug coverage payment stages. Confusing yes, but the inherent hazards of the deductible, those with financial implications, can be avoided with
By Nancy Collamer, Next Avenue “Recalculating” author Lindsey Pollak has timely advice for career shifting Lindsey Pollak “Since the beginning of 2020, every single person around the world has experienced a collective, unplanned, unwanted disruption — far worse for some than others — and it has changed every single one of our career trajectories in
By Erin Flynn Jay, Next Avenue Amy Renz got a PPP loan but thought she wouldn’t qualify this time Amy Renz The Biden administration is offering a lifeline to small-business owners who’ve been struggling to stay afloat during the pandemic and the aid can be especially helpful to some with home businesses. The need is
I had it all wrong. Early in my career as a financial advisor, my goal, even more than gaining clients, was to gain knowledge. I was operating under the assumption that bringing knowledge where it is lacking is an advisor’s primary value. But while a certain degree of knowledge is a prerequisite, of course, I
Ask Larry Economic Security Planning, Inc. Today’s column addresses questions about whether the 2015 changes in the Social Security law actually ended spousal benefits for everyone, suspending a retirement benefit after it converts from a disability benefit and whether delaying makes sense with significant assets. Larry Kotlikoff is a Professor of Economics at Boston University
Image of Joe Biden signing an executive order in the oval office. AFP via Getty Images Change is in the air. With newly elected president Joe Biden finally in place, we can expect his administration to enact several changes throughout 2021. Because this will be a busy year for the new President, he probably won’t
By Richard Eisenberg, Next Avenue Managing Editor getty Every tax-filing season seems full of complexities and consternation. But the one we’re now in is especially fraught, due to the pandemic: Stimulus checks. Unemployment benefits. Working from home tax issues. New Covid-19 rules for 401(k) and Individual Retirement Account (IRA) hardship withdrawals and loans. Frankly, it’s
By Chris Farrell, Next Avenue John and Mary Benbow, 67, and 68, respectively, of La Jolla, shown holding his finger over his … [+] social security number on his Medicare card (Photo by Allen J. Schaben/Los Angeles Times via Getty Images) Los Angeles Times via Getty Images Even as America’s balkanized health care system struggles
View of the New York Stock Exchange (NYSE) at Wall Street (Photo by Angela Weiss / AFP) (Photo by … [+] ANGELA WEISS/AFP via Getty Images) AFP via Getty Images Investors reacted positively to the job’s numbers this morning. At 4:00 pm the S&P closed up and peppy at a 2% increase while the 8:30
By Kerry Hannon, Next Avenue getty A small-business credit card can be hugely helpful when you’re launching a business or have one up and running. But new investigations into potentially aggressive and misleading sales practices of American Express AXP ‘ card for entrepreneurs made me think this is an apt time to share advice on
Federal Reserve Chairman Jerome Powell stated this week that he does not plan on taking any action to reverse the recent course of accommodative monetary policy until inflation rises to a significant and sustained level. He said that although he does anticipate inflation rising as the economy opens up, he views this as a short
More getty The Paycheck Protection Program (“PPP”) was implemented to provide businesses, and individuals having trades or businesses, with financial assistance in order to keep their businesses open and their payroll intact. Many businesses and individuals who had no need or limited need for a PPP Loan applied and received one anyway, notwithstanding limited vocal
Student Loans getty The new Interim Final Rule issued by the SBA on March 3, 2021, reverses the prior rules by indicating that independent contractors and employers who were otherwise eligible to receive PPP loans may do so regardless of whether the borrower or a 20% or more owner is in default under Federal Student
ERC getty On Monday, March 1st, the IRS released 102 pages of well-written and reasoned guidance on the Employee Retention Credit (ERC) in the form of Notice 2021-20. While further guidance will be forthcoming as to the application of these rules for 2021, the provisions of the Notice provide considerable guidance in a number of
Protect yourself from Social Security scams. Be on the lookout for fake calls and emails. getty If you’re shopping at CVS tomorrow, you might hear the voice of Social Security Commissioner Andrew Saul over the speaker system, warning Americans to beware of Social Security telephone and email scams. Screens behind customer service desks at Walmart
Senators Mark Warner (D-VA) and Angus King (I-ME) propose to redirect ill-targeted covid relief … [+] funds to valuable public investments. CQ-Roll Call, Inc via Getty Images In the coming days, the Senate will take up the $1.9 trillion covid relief bill that passed the House of Representatives last week on a party-line vote. It’s
Ask Larry Economic Security Planning, Inc. Today’s column addresses questions about whether taking Social Security survivor’s benefits now would reduce retirement benefits taken as late as 70, whether and when Social Security recalculates benefits based on income and retirement benefits before divorced spousal benefits. Larry Kotlikoff is a Professor of Economics at Boston University and
Crypto has a low correlation with stocks. What does that mean? Mining rig in Norilsk (photo by Andrey Rudakov) © 2021 Bloomberg Finance LP Stocks, bonds, real estate, commodities. Bitcoin. Bitcoin? Is cryptocurrency an asset class deserving of a place in every endowment and retirement portfolio? There is now being built on Wall Street a
Regulators and law enforcement are looking into flagrantly illegal “side letter” agreements which … [+] pay private equity investors aware of fraud to not tell unsuspecting others. getty While mutual fund investors are assured equal treatment under the federal securities laws, private equity funds are the Wild West—industry practice is to grant certain investors secret
Health workers administer the Moderna COVID-19 vaccine to a couple in a car at a drive-thru … [+] vaccination event for residents 65 and older at Dewey O. Boster Park and Sports Complex on January 7, 2021 in Deltona, Florida. Employees of Volusia County and the Florida Department of Health provided 1,000 vaccinations on day
Ask Larry Economic Security Planning, Inc. Today’s column addresses questions about whether divorced spousal benefits could reduce other benefits including childhood disability benefits (CDBs), how long a reconsideration request might be expected to take and whether survivor benefits might be affected by the WEP or GPO. Larry Kotlikoff is a Professor of Economics at Boston
When it comes to retirement income planning, taxes are an important but often overlooked factor. Pre-retirees tend to assume their tax bracket will decrease after they leave the workforce and don’t realize they could lose 25%–30% or more of their retirement income to taxes. Having a lower marginal tax bracket in retirement used to be
NEW YORK, USA – JANUARY 18: Thomas DiNapoli, New York State Comptroller speaks during Martin Luther … [+] King Day celebration at National Action Network headquarters, in New York, United States on January 18, 2021. (Photo by Lev Radin/Anadolu Agency via Getty Images) Anadolu Agency via Getty Images In late January, the Washington Post reported:
Ask Larry Economic Security Planning, Inc. Today’s column addresses questions about whether spousal benefits can increase total benefits for a person with a public pension, if spousal benefits begin automatically when the other spouse files and when excess spousal benefits are paid if the recipient already gets retirement benefits. Larry Kotlikoff is a Professor of
Female writing to-do list dragonstock – stock.adobe.com None of us wants to think about boring, grownup stuff like wills, but being an adult is not as hard (or even boring!) as it looks! Trust me. And there are companies and resources out there that actually make the process easier. You don’t have to become an
getty You’ve seen and heard it all before. You’ve probably even joined in. How many times have you made fun of organizations that give participation trophies to everyone just to avoid damaging the fragile egos of those who didn’t win? If you’re like many people, this cavalier dismissal of merit and achievement makes you shake
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