Bond Investing for Retirement

Posted On: January 3rd, 2009 by Bob Richards

What Happens to Bondholders When a Company Goes Bankrupt?

Seniors and retirees like bond investments because they provide a steady income, diversify a stock portfolio, and are backed by the issuer’s financial strength. But things don’t always go as planned. Companies occasionally have financial problems and must file for bankruptcy as you well know.
Investors holding bonds in bankrupt [...]

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Non-traditional Mortgages Could Save You Money–or pay you like a Reverse Mortgage

Posted On: January 2nd, 2009 by Bob Richards

Reverse mortgage as an effective retirement income source

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Access Cash Value of Senior Life Insurance

Posted On: December 31st, 2008 by Bob Richards

How Retirees can convert a life insurance policy into cash or an income stream

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Municipal Bond Swaps Reduce Your Taxes

Posted On: December 30th, 2008 by Bob Richards

How seniors who own municipal bonds can reduce taxes further with municipal bond swaps

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Early Retirement Impacts your Social Security Benefits

Posted On: December 29th, 2008 by Bob Richards

Thinking about early retirement before you start collecting Social Security Benefits?
Doing so won’t reduce the benefit that you accrued before you stopped working—but it could produce a smaller benefit than your estimated benefits statement suggests. You should receive an estimated-benefits statement from the Social Security Administration each year. The benefits it projects assume that you continue [...]

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Bond Investing with I-Bonds

Posted On: December 28th, 2008 by Bob Richards

If you’re using I-Bonds to protect yourself from inflation, you know it can get tricky.
Series I-Bonds are Treasury-backed bonds designed to help protect investors from inflation. Like most Treasury bonds, they appeal to investors seeking the security of an investment backed by the full faith and credit of the U.S. government.  This, they are popular [...]

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Social Security Benefits Can You Count On If You Are Married?

Posted On: December 27th, 2008 by Bob Richards

As one spouse of a married couple, you must choose when you will start collecting Social Security benefits. And when you do–whether you will receive Social Security benefits based on your own earnings or as a spouse’s entitlement based on his or her social security benefits. The ‘entitled spousal’ amount maximizes out at 50% of [...]

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Eight Ways to Generate Supplemental Retirement Income without Special Skills

Posted On: December 22nd, 2008 by Bob Richards

Supplemental Retirement Income Idea #1- Are you in pretty good health?
The woman that cleans my home is almost 60.  I pay her $140 to clean my home.  It takes her about 6 hours.  If you did the same one day per week, that’s $560 — more than many retirees need to bridge the gap in [...]

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Retirement Options for Income

Posted On: December 20th, 2008 by Bob Richards

Here are many retirement options to earn money yet few retirees have the required entrepreneurial gumption.  Thus, they are at the effect of someone “giving them a retirement job.”  Those days are over—there are no retirement jobs yet there are plenty of ways to make money.  Here are a few retirement income ideas.
Phone Sales from [...]

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IRA Real Estate –a Bad Idea

Posted On: December 7th, 2008 by Bob Richards

Even with the bloom off the rose, investors still have interest in using real estate in IRAs.  The interest and use of real estate in IRAs peaked with prices.  Even as the real estate market cratered, real estate professionals with sagging commission income pushed IRA real estate (often mistyped or incorrectly searched as IRS real estate) [...]

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