Ask Bud about….

 

 

H. K. Bud Hebeler is author of J.K. Lasser’s Your Winning Retirement Plan and retirement articles on www.analyzenow.com.  He is often quoted in The Wall Street Journal and other financial publications.  Email your questions to b u d s m a i l @ a t t . n e t. (See note below.) If your question is selected, it will be answered in this column.   He and those responsible for this publication disclaim any responsibility for any consequence from the “Ask Bud” information.

 

Note: Do not copy the email address above to paste into your email addresses because we have intentionally inserted spaces between each letter to thwart spam generators who use search engines to find email addresses on Web sites.

 

Click on the following links to get the answer to the following questions:

 

Is there a benefit in paying back all of my previous Social Security payments and starting again at a higher payment level?

 

What are the pros and cons of Long-Term-Care insurance?

 

How well do you think we can project our investment performance?

 

Is it a good idea to repay Social Security and restart at an older age with higher payments?

 

Will means testing of Social Security affect the best age to start payments?

 

Should I convert and IRA (or 401(k)) to a Roth IRA?

 

Will there be a Value Added Tax in the future?

 

When should we start Social Security

 

How should I invest now in this current market?

 

Should we buy a vacation home now?

 

What are the dangers if planning to restart Social Security later?

 

How much cash I should have in a retirement portfolio?

 

How do I account for unrealized capital gains when planning?

 

Should we sell investments when tax rates are still low but going to increase?

 

How much saving do I need for $50,000 retirement income?

 

What's the difference between reserves for unknowns and things that only have a chance of happening?

 

A financial reporter asks what is the single most important thing to do for a financially secure retirement?

 

Should I pay off my remaining mortgage before retiring?

 

When to start social security

 

How to calculate social security breakeven age

 

How to get a secure retirement

 

What is return on investment?

 

International investments

 

Choosing a lump sum instead of a pension

 

About spending less as you age

 

How do I maximize my pension payments?

 

What's included in "savings" in the depressing history of national savings rate?

 

 

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