It’s hard to believe Social Security has been around for 80 years. It’s a great program, and everyone always asks me: Do you think it will last? So, I’m going to tell them: Take heart. It’s still there.

Some history first: It was modeled after Civil War pensions. German...

There are so many questions that you have when you’re facing retirement. One of them is: What are you going to do in retirement? What will that life look like? There is a site called, and it prompts you with these questions about, well, what...

It’s almost Thanksgiving; and we get very excited around Thanksgiving and the holidays, so I want to remind people that we’re getting towards the end of our tax reporting year. Go ahead and start looking at some things that you need to do to take advantage of some thin...

This is called a Required Minimum Distribution, and it only applies to retirement accounts. Those contributions that you make to your retirement accounts…you don’t pay tax on them. And the earnings…you don’t pay tax on them. But that’s not forever, because Uncle Sam wa...

Once a year, you need to pull out your policies and do a checkup on your insurance. Remember that insurance is to protect against major events. Don’t try to protect against everything, because if you do, you’ll end up paying too much for insurance and not enough going...

I find that there’s so much to be saved by looking at your insurance policies. Many people are over-insured, or they have the wrong insurance. Or, they’ve just purchased insurance ten years ago, and they never went back and asked: What has changed; do I still need thes...

Our deadline is April 15th. If you file an extension—you can do that—it requires a payment. So you have to send the form in along with the payment that you expect to make.

You can e-file with tax software. And if you family makes below a certain income limit, you can fi...

It’s a new year, and we’ve had some adjustments to the amounts that we can put into those 401(k)s and IRAs. Even if you don’t adjust your amount, you need to once a year take a look. Do a review of your retirement plan, because this is a huge part of what you’ll be usi...

This is a touchy subject to approach. We’re talking about money, and so many families are very secretive when it comes to money. Families fight about it. Siblings get into battles about this. But, you do need to talk to your grown children. They need to know where ever...

Dental expenses can be huge, and we don’t think about them as much. 42% of people don’t have any dental insurance at all. Those twice a year cleanings can be quite manageable; it’s not that expensive. But when you get into cavities and crowns and veneers, they can be v...

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New Perspectives, Inc.  

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