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Financial Freedom Blog
If you have a life insurance policy or IRA, you were required to name a beneficiary (the person or persons who directly inherit the account when you die). Most other financial accounts don’t have a beneficiary, but wait – maybe they do. Bank accounts and CDs can be made payable … Read More
After a long period of relative calm in the financial markets, we all experienced the return to volatility earlier this month. The S&P 500 Index (a proxy for the U.S. stock market) dropped 11% from its high on January 26 and to the close on February 8. Of course, since … Read More
There are fewer hot topics in retirement planning than how much you should expect to spend once you retire. On the one hand, you won’t be spending for work-related activities so maybe you will spend less. On the other hand, health care costs will likely rise until you are eligible … Read More
A new study by the National Bureau of Economic Research (NBER) examines the reasons that there is a “robust” 2% increase in male mortality immediately after age 62. Women don’t suffer from this phenomenon. The study speculates there are three possible reasons: First, the paper notes that individuals frequently stop working … Read More
Retirees will receive a 2% increase in their Social Security retirement benefits in 2018 (the biggest increase in six years). The average retirement benefit will increase by $27 to $1,404 per month and the average retired couple will receive a $46 raise to $2,340 per month. On the other hand, … Read More