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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Tags: bond investing, retirement investing
Posted in bonds | 4 Comments »
Posted On: January 2nd, 2009 by Bob Richards
Reverse mortgage as an effective retirement income source
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Tags: mortgages to save money, reverse mortgage
Posted in retirement income | 15 Comments »
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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Tags: cash surrender value, sell policy, senior life insurance
Posted in life insurance | 14 Comments »
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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Tags: municipal bond swap, senior tax
Posted in municipal bonds | 1 Comment »
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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Tags: Early Retirement, eraly retirement, social security benefits
Posted in Early Retirement, social security benefits | 2 Comments »
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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Tags: bond investing, I-Bonds
Posted in bonds | 2 Comments »
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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Posted in retirement income | 7 Comments »
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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Tags: spplemental retirement income, work from home
Posted in retirement options, supplemental retirement income | 7 Comments »
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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Tags: retirement options for income
Posted in retirement options | 3 Comments »
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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Tags: Add new tag, real estate in your IRA
Posted in ira real estate | 41 Comments »