Archive - November 4, 2015

1
Can’t Cope With Stock Market Fluctuations? Think Like a Real Estate Investor
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Do you want to get the most out of your Social Security? Do this before May 2016!
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Major Changes to Social Security Filing Strategies (Updated!)

Can’t Cope With Stock Market Fluctuations? Think Like a Real Estate Investor

*Published on NerdWallet The recent stock market downturn shook a lot of investors who had gotten used to seemingly never-ending good times during the past few boom years. An across-the-board drop in all equity classes last quarter — small, large, U.S. and foreign — was a slap of cold reality. Did you get a sense […]

The post Can’t Cope With Stock Market Fluctuations? Think Like a Real Estate Investor appeared first on Chamberlain Financial Planning & Wealth Management.…

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Do you want to get the most out of your Social Security? Do this before May 2016!

On the surface, it seems too good to be true.  You have a married couple, where (let’s say) the husband has earned higher yearly income than his wife.  That means he has contributed more to Social Security over his working life.  The husband files for Social Security benefits at full retirement age (currently age 66) and then immediately files to suspend those benefits. 

  She would do this if 50% of the husband’s benefit is higher than she would have received if she had simply claimed her own Social Security payments.

Because he suspended his benefits,
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Major Changes to Social Security Filing Strategies (Updated!)

After the market crash of 2000, Congress passed the Senior Citizens Freedom to Work Act. This law was intended to enable people who had previously retired and claimed their Social Security benefit to stop receiving their monthly check while they returned to work and continued earning retirement credits. Doing so would enable the worker to earn more income from employment while increasing their future Social Security benefit.

An unintended consequence of this adjustment was that it enabled U.S. citizens to explore and take advantage of various strategies to maximize their Social Security benefits that were outside the intentions of the… Read More

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