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By Dr. Jim Dahle, WCI Founder Have I got an investment for you! This investment comes with a 50% front load, meaning that right after you give me the money to invest, half of it will disappear. I will...
I am self employed and my company buys health insurance for our group. Spouse has worked for my company for a couple of years, but was on our health insurance regardless. I will be Medicare eligible 8...
If adopted, Initiative 2124 would make participation in the Washington Cares program voluntary, effectively killing it....
The insurance enhances Social Security’s role of offsetting Black/White inequality. My colleagues have just completed a really interesting study pertaining to the progressivity of Social Securit...
We'll both be 60 this year and I'm 100% ready for retirement. My job sucks and I don't want to do it any more, and we've got ample assets. The trick is health insurance between now and Medicare at ~65...
With about 2 year left on a 20 year policy, we know the rates will go up - quite a bit being 68 in 2024. What alternatives do we have? Take out smaller policies of a smaller denomination? Can I sell o...
The insurance organization partnered with several hip hop stars to bring attention to…...
Spitballing on early retirement and Roth conversions to finish 2023. How can Jack and Diane (no, the other, other Jack and Diane, these are the ones in Rochester, MN) bridge the gap to retirement at a...
Abstract In the three decades from 1980 to 2010, there was a steady rise in the number of men receiving Social Security Disability Insurance (DI) benefits. The number of beneficiaries peaked in 2012 a...
In my post, the percentage of homeowners who pay cash, a reader asked my opinion on having home insurance for paid-off properties. Paid off properties include a property you purchased with all cash or...
Abstract In most disability insurance programs, beneficiaries lose some or all of their benefits if they earn above an earnings threshold. While intended to screen out applicants with high remaining w...
If you are planning on retiring before age 65, there is no doubt that you have had this question. What do you do about health insurance? In the United States, the health insurance landscape is ever-ch...
How to buy life insurance online & 13 life insurance savings tips Key Ideas 3 rules for buying life insurance Where to buy life insurance How much life insurance you need 13 life insurance savings...
How To Avoid The Salesman’s Hype And Focus On What’s Best For You Key Ideas Why life insurance is a negative expectancy bet for the majority of consumers The problem with mixing investing ...
https://www.oregonlive.com/business/2023/11/the-unfulfilled-promises-of-the-long-term-care-insurance-industry.html?outputType=amp Who here has LTC insurance? Our financial advisor recommended against ...
I must admit that until my editor drew it to my attention, I had never heard of infinite banking. Apparently, this topic is drawing a lot of interest from retirees, but I’m guessing many younger...
We have retiree insurance for one person costing $180 per month. We could, however, choose an ACA plan for much less based on our retirement income. Once we cancel the retiree plan we can never get it...
If you have a mortgage, having ample life insurance coverage is critical for protecting your family and home. But there is more than one way to purchase life insurance that protects what is likely you...
Nearly 40 percent of Americans have delayed or skipped necessary medical care in the past year because they couldn’t afford it. How do we stack up to other developed countries? Dead last. Even t...
A multinational that promises to relieve customers facing stressful situations refused to pay after two relatives passed away. Europ Assistance Australia recently declined to reimburse more than $6800...
Spouse passed unexpectedly a couple weeks ago. I am 61 and utterly lost about how to handle insurance. I have never worked and do not have employer options. Should I be applying for 2023 coverage thro...
I (M66) am retired. My spouse (F65) is winding down her business and will basically be retired after the first of the year. Between Social Security and savings we have enough to live on in a reasonabl...
The insurance broker sent us an estimate of policy cost and maximum benefits. I asked for information on price increases over the past several years so that I could get a feel for what to expect. He t...
In December, North Carolina will become the 40th state to expand its Medicaid program, providing health insurance coverage to some 300,000 more low-income workers, many of them for the first time. It ...
Hi, Im getting ready to retire early. My parents have passed but they both needed to move to an assisted living facility toward the end, and fortunately they both had LTC policies that we could tap in...
So hubby just turned 65 and we are comparing Medicare options...the coverage he will have through my employer includes a robust and financially reasonable Medicare advantage plan, but it doesn't inclu...
Life insurance is a frequently overlooked component of retirement planning for various reasons: Some people may already have life insurance in place and think the policy they set up years ago still me...
[Editor's Note: Deadline alert! Thursday, October 12 is the last day you can register early for the best medical conference of the year and save hundreds of dollars while doing it. WCI started the Phy...
Apollo was the first to use annuities to build a major financing business. Others followed, driving the growth of the private lending market and worrying regulators....
May 31, 2023 — Condo boards in Florida are reeling from a one-two punch. Quotes for insurance renewals are literally through the roof, and that is if the condo association can get coverage at al...
What is the trick to getting a good rate and what happens if you’re not insurable? submitted by /u/Americantruther2023[visit reddit] [comments]...
I named my two adult daughters as beneficiaries to my bank account (I'm a widower) and my FDIC insurance coverage went to $500k. You can name up to 5 beneficiaries and it will go to $1,250K coverage. ...
How many have opted for long term care insurance? It's a huge cost, but the thought of needing care and leaving my spouse destitute is daunting. I know a lot of people my age (nearing retirement) that...
Senator Elizabeth Warren is right about the costs of Medigap plans, but that's only part of the story....
News came last Friday that Silicon Valley Bank was taken over by the FDIC after it had a bank run. Silicon Valley Bank was the 16th largest bank in the country with over $200 billion in assets. Such a...
Biden’s package, which the White House previewed yesterday, combines cost savings with tax increases....
I funded my Roth IRA for 2022 back in January 2022. Can I take that money out? And then add it to my traditional IRA? How does Vanguard know that I'm taking the money out for 2022 so that I can put th...
By Stacey Ritzen, WCI Contributor No one wants to think about the worst-case scenario, the event that a traumatic illness or injury robs us of our ability to work and perform basic household duties. B...
I'm retired and on COBRA (extension of employer insurance) for 18 months. That ends in the 3rd quarter of next year, not lining up with the Healthcare.gov marketplace, which is based on calendar year....
Long-term care insurance can be confusing at times, so here are some insights about premium increases, when you can use your benefits and other issues....
By Dr. James M. Dahle, WCI Founder Dear Insurance Agent, Both in the real and the online world, I have had the opportunity to interact with dozens of you. The vast majority of those encounters have be...
Any good deals (ha-ha!) for dental and vision insurance for senior citizens? I'll be taking early retirement from my job on 31 March and will turn 65 in September. I do not want to retire, but I live ...
About one out of every five Latinx workers in this country lacks health insurance. The uninsured ratio rises to one in four in the states that have chosen not to expand their Medicaid programs to more...
This week, the newsletter features the last episode of theRetirement Rebootcast –the special podcast series on my new book –Retirement Reboot: Commonsense Financial Strategies for Getting ...
Understand the Facts and Don't Pay More Than Necessary Key Ideas There are five primary factors that affect the cost of life insurance. Life insurance policy fees will add to your all-in expense. Ther...
Spoiler Alert: It's Sooner Than You Think! Key Ideas When it comes to buying life insurance, sooner is better. There are good reasons to carry life insurance, even if you don’t have dependents. ...
How do you get early retirement health insurance? The real question, how do early retirees find affordable medical health insurance? The options are limited to two plus something called Medishare- The...
If you're wondering "How to get health insurance in retirement", this post is for you. It's the story of what we did when our COBRA expired....
Health insurance is a big, incremental expense for people hoping to retire early from corporate life. Understanding our options and the costs has been an important focus for us as we've plotted...