One of the biggest questions married couples have about claiming Social Security is: “When can the lower earning spouse claim fifty percent of the higher earning spouse’s income benefit?” Another question: can the younger spouse begin benefits at age 62, and then switch to fifty percent of the higher earning spouse's benefit later on? And what about the strategy known as file and suspend? Is it completely gone, or can certain couples still pull it off? Do you know the answers? You will, because we will be covering them in detail and then Medicare expert Shelley Grandidge joins us. We're your one stop shop for Social Security and Medicare today, so don't miss it....MASTERING MONEY is on the air!!!!
When we hear about sudden, massive gains in speculative stocks like Tesla and GameStop or Bitcoin—the temptation is to feel like you somehow “missed out”. But most investors of retirement age are not ready to put all their money into one or two stocks to try to make a killing. As an investor, you need to decide what your priorities are, what your realistic goals are, and how much risk you're willing to take to achieve those goals. If you’ve already accumulated five hundred thousand to a million dollars or more, it’s likely that you're not ready to lay it ALL down on one stock in hopes that it doubles within ninety days. You're more likely to place an emphasis on PRESERVING what you’ve already made before you take big chances-- with big chunks of your money. In fact, the real reason you’ve accumulated money is that you’ve mostly avoided silly risks along the way. Instead, you kept your eyes on the prize: a comfortable retirement funded by diversified, solid investments that make sense. Today, we'll review a smart strategy for doing just that. Then medicare and health insurance specialist Shelley Grandidge joins us. This is a show you DON'T want to miss...MASTERING MONEY is on the air!!!
Because of the advances in annuity engineering over the past five years, the demand for a newer form of annuity has steadily risen. No longer an afterthought, specific types of annuities have taken center stage for smart investors looking to nail down preservation and income. Why? Because pensions are being phased out, and interest rates on bonds are stuck near two hundred year lows. Once upon a time, a million dollars in treasury bonds would pay a retiree seventy thousand dollars a year or more, guaranteed. Today, that same ten year treasury bond is yielding less than one-and-a-half percent, meaning you'd be tying up your money for ten years-- getting less than FIFTEEN thousand dollars a year. That's why bonds, not annuities, are suddenly the afterthought. Who could think of building their retirement around one percent bonds?
Investment mistakes are very easy to make, even when you take a logical approach to the market. That said, who among us is 100 percent logical all the time? Most people in or near retirement would rather not spend hours a day studying market trends, money flows, and reading detailed reports. That's why you offload that task to a professional. But many investment managers were caught off guard by the 2020 election. Many thought it was logical that if Joe Biden won the election, the market would decline. But the market went UP on election day, proving one important thing: the market is RARELY logical! But does that mean YOU can't take a logical approach to your investments? Not at all! Today, we'll examine just how to do that. Then health insurance and Medicare expert Shelley Grandidge joins us. A truly educational show you don't want to miss...MASTERING MONEY is on the air!!!
No matter who is president a year from now—Biden or Harris….you can bet that Bernie Sanders, Chuck Shumer, Liz Warren, and Pelosi, will keep putting pressure on the Oval Office to raise taxes—a lot. And they won't just be raising taxes on the super-rich. The really rich can afford to move their money offshore and taxing them more would never put a dent in the debt we are building. So, you can throw all the campaign promises out the window! ….EVERYONE’S taxes are going up, directly or indirectly. YOU know it… I know it…. WE ALL know it!
Which is why more and more people are beginning to learn more about unique TAX PLANNING strategies to beat the IRS to the punch—LEGALLY. The goal is to KEEP taxes lower for you, your spouse, and your family, from now on. Would you like a tax free income for life? Would you like to grow a pile of cash tax free, and turn it into a permanent slush fund that you can draw on, tax free? We'll show you exactly how today, so don't miss it....MASTERING MONEY is on the air!!!
Today on Mastering Money...It’s a MOTLEY FOOL MONDAY!! The Motley Fool Money Show is one of the most popular stock market TALK SHOWS in America today, featuring timely insights from top analysts. "MOTLEY FOOL MONEY" is heard by millions of listeners coast to coast—including Saturdays right here on Money Radio at 5pm! First we'll update breaking financial news and get a read on all the indexes, THEN, we'll take you to an exclusive broadcast of the Motley Fool Money Show, with fresh ideas to help you become a more informed investor. Steve will cap it off with proven money-making and money-SAVING ideas that you DON'T want to miss! -- A jam-packed show --and we're READY TO ROLL ! ... MASTERING MONEY IS ON THE AIR!!!
It's looking more likely that the U.S. will be swimming in Covid vaccine doses in April, May, and June, due to the Trump administration's foresight to secure one BILLION doses during Project Warp Speed, using multiple suppliers. Europe made the mistake of counting on just one major supplier. Biden wants to take credit, but he obviously had nothing to do with the fact that we have a massive supply of vaccines just one year after the outbreak began. Prior to Covid, vaccines had long been a sleepy little corner of the pharmaceutical industry, dominated by a handful of companies that sell billions of dollars worth of vaccines a year, unperturbed by upstarts. That has changed...The competition for market leadership in vaccines is about to get NASTY, experts say, with the usual giants Johnson & Johnson and Pfizer in the game along with Astra Zeneca and Sanofi. But newer companies like Moderna are going to be a factor. Should you be investing in these companies?? Well, we have a report from Barrons for you today that offers very timely insights. Then Medicare and health insurance expert Shelley Grandidge joins us. ....A fact-filled show you don't want to miss...MASTERING MONEY is on the air!!
There are two major categories for stock investors to choose from: Growth Stocks and Value Stocks. As the name implies, Growth Stocks are all about supply and demand. The price of what you own will rise on the basis of how many other people WANT what you HAVE. There are no dividends. The price-to-earnings ratio may not look like a bargain. The company may not even HAVE any earnings! Buta great growth stock can make you money if you select the right one at approximately the right time, and hold it long enough to see capital gains. Tesla is an obvious example of a pure growth stock. Value stocks on the other hand—also as the name implies—are focused on business fundamentals, in other words intrinsic value. Is the company making money? How much am I paying to participate in the profits. These are the questions VALUE investors ask. Value stocks are not the “go-go” variety that you "date" briefly. They are the ones you consider "marrying," if you’re the marrying kind. Today, we'll analyze a potentially hot growth stock you may want to own, and then we'll shed light on how the smart money is allocating for retirement right now. An educational show you don't want to miss....MASTERING MONEY is on the air!!!
The industry of Cybersecurity is growing every year at a very steady pace with no real end in sight. Think about it: When will the day come when you WOULDN’T want your company's computer systems secure? And when will the day come that the crooks will stop trying to get in? Cybersecurity is a permanent need, and an inevitable trend. Not just for you and me, but for trillions of dollars worth of companies and governments worldwide. The move to “digital everything” has led to the sharing of a vast amount of sensitive, proprietary data in an external and internal environment across the globe. This has caused organization tos fall prey to cybercrime through different forms of attacks, many of them highly publicized. In the wake of breaches and high-profile data theft, it becomes vital for an organization to not only determine future threats, but to do something about it. That's where Cybersecurity comes in--as a burgeoning industry, and as an investment. Today, we'll reveal the best way to invest in Cyber Security, Steve has a special stock pick, and then Medicare expert Shelley Grandidge joins us. A fact filled and timely show you don't to miss...MASTERING MONEY is on the air!!!