Long-Term Investing Truths

Key lessons for retirement savers.  You learn lessons as you invest in pursuit of long-run goals. Some of these lessons are conveyed and reinforced when you begin saving for retirement, and others, you glean along the way.    First and foremost, you learn to shut out much of the “noise.”...

Why Medicare Should Be Part of Your Retirement Planning

The premiums and coverage vary, and you must realize the differences.   Medicare takes a little time to understand. As you approach age 65, familiarize yourself with its coverage options and their costs and limitations. Certain features of Medicare can affect health care costs and coverage. Some retirees may...

IRA Withdrawals That Escape the 10% Penalty

The list of these options has grown.   An IRA, or Individual Retirement Account, is a tax-advantaged savings account that is subject to special rules regarding contributions and withdrawals. One of the central rules of IRAs is that withdrawals prior to age 59½ are generally subject to a tax...

Your Emergency Fund: How Much is Enough?

An emergency fund may help alleviate the stress associated with a financial crisis.   Have you ever had one of those months? The water heater stops heating, the dishwasher stops washing, and your family ends up on a first-name basis with the nurse at urgent care. Then, as you’re...

1099 Forms

Explaining these ubiquitous forms and their uses.    What is a 1099 form? This is a record of payment from an individual or entity, showing a payment, generated for your records. The individual/entity sends a copy to both the payee as well as the I.R.S.1 Who might be sending...

Tolerate the Turbulence

Look beyond this moment and stay focused on your long-term objectives   Volatility will always be around on Wall Street, and as you invest for the long term, you must learn to tolerate it. Rocky moments, fortunately, are not the norm.   Since the end of World War II, there...