If you think the Dems are only after billionaires (and I know you don’t) then think again. Here you get a look at how they’d treat an estate worth $3.5 million, which will cast a huge net capturing savers like you. Anna Sulkin writes at WealthManagement.com: Rep. Jimmy Gomez (D-Calif.)recently introduced legislation, For the 99.8% Act (the Act), aimed at lowering the estate tax exemption amount and increasing the tax rate for some of the wealthiest Americans. The Act is identical to the legislation introduced by Sen. Bernie Sanders (I-Vt.) earlier this year. Under the Act, estates would … [Read more...]
Low Cost of Living Isn’t Just for Retirees
You know how important location can be for retirees. Sunshine, access to services and entertainment, and proximity to family are all factors that can make a big difference in retirement. The most important of all though, is cost of living. Taxes, housing costs, and energy costs are especially important to those living on a fixed income. Your Retirement Life: How Do You Know Where to Live in Retirement? Maine’s Governor wants to Live in Florida, Here’s Why Where to Live to Save for Retirement. It’s Not Where You Think Where to Live to Make a Living? Try this Southern Gem Your … [Read more...]
Your Retirement Life: Is Vanguard Throwing Caution to the Wind?
You may have read that Vanguard is moving into a digital robo-only service. My take? Well, first off, when you sign-up for Vanguard advisor services you’re only going to be offered Vanguard funds. You will not be investing in my preferred, dividend centric stock approach. You are treated like all of the other sheep loaded into the mutual fund pen. Second, I believe Vanguard is essentially throwing in the towel (they’d never admit it) about their index funds and the problem with how big they’ve become. Offering a robo-only service will be a backdoor way for Vanguard to steer investor … [Read more...]
Your Retirement Life: To Everything There is a Season
Here in New England, you can already feel the change in seasons approaching. You can smell it in the crisp, dry, morning air and see it from the lower sun angle. You can hear it as noisy cicadas whir and squirrels busy themselves in the trees, signaling a change from Summer to Fall is near. You can even feel it, like when you’re wondering if your family is well prepared for the Fall and Winter. That kind of thinking is good. It means you’re alive, you want to stay that way, and you still want to live your life. A Terrible Foe Can Hold You Back There is one thing that keeps more … [Read more...]
Does Your State Just Cost Too Much to Retire In?
If you live in Hawaii, California, or New York, your state is costing you a lot of money. According to the Tax Foundation, in those states respectively, $100 will only buy you 84%, 86% and 87% of what you can get in an average cost of living state. Meanwhile, if you live in Mississippi, Arkansas, or Alabama, your dollar will last you much longer, with a buying power of 117%, 116% and 115% of average in those states respectively. If you're retired and living on a fixed income, the boost in purchasing power could make a major difference in your standard of living. Analysts from the Tax … [Read more...]
This Small State is Beating its Neighbors in a Debt Race. That’s Not Saying Much.
Despite being surrounded by the two states ranked by Moody's as having the worst debt service to state revenue ratios in the country, Rhode Island managed to come in 18th highest. Connecticut was worst, and Massachusetts just behind in second place. Is there a lot of work to be done in Rhode Island? Absolutely, but in New England, 18th worst is cause for celebration where debt is concerned. Rhod Island certainly has its weak points. Woonsocket is much deeper in debt than the State's Public Finance Management Board recommends. The Newport Daily News reports: “At the state level, the debt of … [Read more...]
Your Retirement Life: NewportFILM Outdoors
To kick off the Newport Folk Festival weekend, Newport FILM in partnership with Newport Folk Presents, showed Echo in the Canyon outdoors at St. Michael’s Country Day School. Becky and I walked there from our house and as you can see in my quick video we weren’t alone. It was a beautiful night. From NewportFILM: Echo In The Canyon celebrates the explosion of popular music that came out of LA’s Lauren Canyon in the mid-60’s as folk went electric and The Byrds, The Beach Boys, Buffalo Springfield, and The Mamas and the Papas gave birth to the California Sound. It was a moment (1965 to … [Read more...]
Your Retirement Life: What a Great Weekend for YOU to be in Newport
The Newport Folk Festival is this weekend. We were out on the Tom Sawyer last night and could see the tents and stages set up at Fort Adams. The weather predictions are looking perfect, and it would be a great weekend for you to spend your retirement life in Newport. You can check out the lineup here. Originally posted on Your Survival Guy. … [Read more...]
Your Retirement Life: Escaping the Heat Wave
You may have experienced a heat wave this summer. Ours was this weekend, all over New England with temps in the 90s and the “real feel” reaching the low 100s. It was a scorcher. There’s no beating the heat, but going out on the boat is a nice break. In the first video I’ll show you what it feels like to leave Newport at cruising speed, with Castle Hill off the port side, the Newport bridge to stern, and Jamestown, RI to starboard (pardon my finger it was hard to hold the phone). In the next video we’re approaching Mattapoisett harbor. You’ll see Ned’s Point lighthouse off … [Read more...]
Don’t Just Think About Retirement Planning, Act Now
According to a report from the TransAmerica Center for Retirement Studies Americans are concerned with their retirement, but they're not actually doing much about it. I urge you and anyone who hasn't already taken action toward planning for retirement to not wait, get to work now. FEDWeek reports: The report, based on polling samples of the baby boom, generation X and millennial generations, found that majorities of all three expect to have a harder time achieving financial security for retirement than their parents’ generation, with the younger two generations agreeing more strongly; and … [Read more...]
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