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With New Tax Law, You May Owe in April

Submitted by Moneywatch Advisors on July 6th, 2018

 

I recently completed the IRS On-line Calculator and was surprised to find we are scheduled to owe tax in April because we are under-withholding. With the federal tax law changes, many middle-Americans will see their taxes decrease this year. When the IRS directed employers to change withholdings to the new tax brackets, however, many of us saw a bump in our paychecks in February. As a result, you may be under-withholding and would benefit from taking 15 minutes to check. Don’t worry, it’s surprisingly easy.

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Are Baby Boomers Ready for Retirement?

Submitted by Moneywatch Advisors on June 29th, 2018

 

“Americans are reaching retirement age in worse financial shape than the prior generation for the first time since Harry Truman was president”, says a recent Wall Street Journal article. There are several causes but us Baby Boomers are the first generation left mostly without pensions and with the responsibility to manage our own retirement savings. So, as you can imagine, some have flourished, some have struggled and more than some aren’t quite sure how they’ve done because they’re scared to look. Where do you fall?

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I Froze My Credit - Here's Why

Submitted by Moneywatch Advisors on June 22nd, 2018

 

When Equifax allowed the Social Security numbers of 145 million people to fall into the hands of thieves last year, I froze my credit at the three major credit reporting agencies to help prevent someone from stealing my identity. It wasn’t difficult, it didn’t take long and it was very cheap. Here’s why and how I did it, and what it means.

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Invest for Tomorrow and Today

Submitted by Moneywatch Advisors on June 15th, 2018

 

I recently read stories about two people who took entirely different approaches to their finances and investments and, as a result, ended up in two entirely different places. I’ll take a leap here and say that neither result is what you want. Here are their stories and my suggestion for a third, better approach, to enjoying today while investing for your future self.

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Plan These 6 Steps To Get a Good Deal On a New Car

Submitted by Moneywatch Advisors on June 8th, 2018

 

I recently bought a new car and the process was downright enjoyable compared to yesteryear – because I was prepared. In contrast, I have a distinct memory of Lisa and me buying a Honda Civic about a quarter century ago and negotiating – and walking out of the dealership twice – for about 5 hours until we finally struck a deal. When we were signing our young lives away the dealership manager brought me an umbrella as a nice gesture. I told him, “If I’d known there was an umbrella in the deal, I would’ve signed a long time ago.” Well, if looks could kill this blog would have to be ghost-written.

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The Healthcare Tax Break You May Be Missing

Submitted by Moneywatch Advisors on June 1st, 2018

 

Healthcare planning and retirement planning are as inseparable as catfish and whiskers. Get this, an average 65-year old man will need $131,000 in retirement to cover just premiums and prescriptions – the average woman, $147,000. These are expenses that could blow up one’s retirement plan. Learn here how a Health Savings Account may be just the solution while offering generous tax advantages.

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June 2018 Newsletter to Clients

Submitted by Moneywatch Advisors on June 1st, 2018

Enjoy this month’s edition that features a helpful reminder about information security and a discussion about BlackRock Floating Rate Income Trust.

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Target Date Funds Offer False Sense of Security

Submitted by Moneywatch Advisors on May 18th, 2018

 

Not unlike formal living room furniture and nuclear weapons, target date funds are only to be used in case of a dire emergency. Target date funds are offered as investment options within a lot of retirement plans as low risk investments but, are they? Here are some flaws of TDF’s.

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The Story of the $9 Million Secretary

Submitted by Moneywatch Advisors on May 10th, 2018

 

Earlier this week, the New York Times ran a front-page story on Sylvia Bloom, the recently deceased legal secretary from Brooklyn who bequeathed $6.24 Million to help disadvantaged students afford college. Ms. Bloom was the epitome of the Millionaire Next Door and readers of this blog know I believe strongly in the ability of us “regular folk” to become one too by following a few simple rules: 1) Live beneath your means; 2) Save for your financial independence; 3) Invest; 4) Get wealthy the old-fashioned way, steadily over many years.

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When You Should File for Social Security

Submitted by Moneywatch Advisors on May 4th, 2018

 

During the 1996 presidential campaign, MTV asked both candidates whether they favored boxers or briefs. Bob Dole, as legend has it, answered “Depends”, as in he was so old he needed their incontinence protection. My answer for when you should take Social Security benefits is the same, it depends. Ultimately, when to file depends on what will benefit you the most in the long term, an answer a good financial plan will provide.

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