Absolutely you can receive Social Security AND your military pension too. Your Social Security benefits will not be offset by the Windfall Elimination or the Government Offset either. Reason for this is simple; You paid fully into the Social Security system while you were receiving income from the military. Just look at your W-2. Is … Read moreIf I am Military Retired Can I Still Get Social Security Benefits?
Insulation is the number one thing you can to reduce your utility bills. Unless you’re running your clothes dryer all day long, heating and cooling your home are your largest costs, heating in particularly. Doesn’t matter if you have natural gas, electric, firewood etc, when you are manipulating the ambient temperature in your living area, … Read moreInsulation: Why You Need It
In never ceases to amaze me that when it comes to discussion about retirement, advisors and clients alike overlook the most important issue; whether or not there is a mortgage. Why do I say this is the most important issue? Well, simply look at this study from the Bureau of Labor Statistics (BLS): “Housing was … Read more#1 Thing To Do For Retirement Happiness
Very informative article here about the current state of the Social Security system. The number of beneficiaries of the system reached a record in November 2017 of nearly 62 million. Yet, the number of full time workers who are paying into the system is only 2.05 per each beneficiary. Don’t forget this number of workers is … Read moreSocial Security Beneficiaries Hit Record
About ten years ago, I came across the book “Spend Till The End” by Boston U. economist, Larry Kotlikoff, and well known financial writer, Scott Burns. From the first page, I was immediately enthralled. They challenged everything, and I mean EVERYTHING, we’ve been taught to believe about financial planning. Now, be advised, I’ve always been … Read moreBest Financial Planning Book You’ll Ever Read
I’m a financial planner. That’s pretty much all I know how to do. So, keeping track of my cash flow is near and dear to my heart. I don’t like losing or wasting my hard earned money. Thus I don’t gamble. However, three weeks ago, I changed the air filter in my attic A/C unit and forgot … Read moreWays to Save Money #1
I can absolutely guarantee you, very, very few people know what the Windfall Elimination Provision(WEP). But guess what, you need to know it! It’s incredibly important for those planning for retirement and trying to understand their Social Security benefits. My man, Devin Carroll, in this 5 minute video explains the WEP better than anyone I’ve … Read moreBest Video That Describes the Windfall Elimination Provision
There are few things better on this great world of ours than a fully lit Christmas Tree. It brings joy, memories of the past, hope for the future, excitement for the fun you and your family will have this holiday season, but if you’re not careful it can also be a HUGE drag on your … Read moreOh Christmas Tree, Oh Christmas Tree, How Much Electricity Do Your Lights Use???
Camelcamelcamel is the website I use to see what’s truly a good deal on Amazon. Just because there is a price cut on some product does that actually mean anything? Well if the price is discounted 50% but is still at its typical price that just shows the discount is meaningless. How can you see if … Read moreHow to Track Good Deals on Amazon
Wow! Check this link from Vanguard which shows their preliminary capital gain distribution estimates for various funds in December. Now, be advised, I’m a huge fan of Vanguard. John Bogle is truly one of my heroes for bringing investing to ordinary Americans. However, even Vanguard is not exempt from its funds having some significant distributions … Read moreBig Tax Distributions Coming to a Mutual Fund Near You…