If you’re concerned about how to protect your assets from nursing home costs, you’re at an advantage if you can plan at least five years out.
Look at your budget and estimated benefit to determine what Social Security will cover in retirement.
Buying a home can be expensive.
No one relishes the thought of the day they pass away and leave their worldly possessions behind.
Interest rates are low right now, so if you own a home, you could benefit from new, favorable loan terms. Refinancing a mortgage over 30 years can allow you to spread the loan balance over 30 years versus 10 years as with a home equity loan, says Chuck Czajka, founder of financial consulting firm Macro Money Concepts in Florida.
“Getting a credit limit increase will not hurt your credit score,” says Chuck Czajka, founder of Macro Money Concepts in Stuart, Florida.”
“Education – enough is not enough. Continuing to learn is a mainstay of this business. Every day new ideas and products are created to help people succeed…”
“Sometimes, healthcare workers, doctors, or even patients, commit Medicare fraud without knowing it,” Czajka says.
“You’ll never get ahead if you’re always putting the cart before the horse,” says Charles Czajka, CEO of Macro Money Concepts in Stuart, Florida
“It’s better to pay off debt first, then save for retirement.”
“While saving for retirement is a must, COVID has shown that this traditional thinking and saving through a 401(k) might not be the best solution.”
“The process will take longer because lenders are becoming more picky about who they lend to.”
“Creating a will helps to keep things organized so your family members can grieve easier knowing they are following your wishes.”
“The last thing you want to do is spend 2021 paying off 2020’s holiday season.”
“if your employer deducts the premium, your disability could be taxable to you…”
“Prepare for civilian life. Build a financial team to educate you on what you need to know regarding your finances…”
“In most cases, the loan is only paid back when the borrower leaves the home,” says Chuck Czajka…
“If you retire before you get to retirement age, your benefits might be less when you get to Social Security retirement age,” says Czajka.
“The most important consideration is when you should claim your benefits,” says Czajka…
“While that may be hard in the beginning, like a diet, you have to try to get as close as possible to this goal,” he says…
Late last year, the Internal Revenue Service and U.S. Treasury loosened rules regarding hardship withdrawals from 401(k) plans, making it easier to pull money from retirement savings…
You’ve spent decades in the workforce earning a living, your schedule dictated by the demands of the job. All the while, you’ve been steadily adding to your savings…
The homeownership rate has edged up 1 percentage point in the last five years, to 64.8 percent. And there are many renters eager to join the club…
There are a number of options that retirement plan advisers can suggest to the self-employed and small business owners to help them save for retirement….
THE 2017 TAX CUTS AND Jobs Act was the most sweeping tax reform enacted in decades, and the 2019 SECURE Act made 401(k) changes that affect millions of workers.
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