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Message History

I am incensed when I read nonsense posted on social media about social security - “Congress stole the SS funds and never paid it back,” “there would be plenty of money if we didn’t give it to people not eligible” and worse. All nonsense.

Is it worth me getting upset over? It is, because uninformed people believe it and now it appears people are acting on the lies and m...


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An e-mail I received from Retirement Researchers by Wade Pfau contains this: “If a retiree owns 1,000 shares before receiving a dividend and still owns 1,000 shares afterward, it can seem as though nothing has been spent. Selling 20 shares feels different because the account now holds fewer shares. That visual difference can reinforce the idea that dividends allow you to spend ...

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Hello HD community. I need to vent a bit and hope that one or more of you can relate to my situation and provide some insights. As I posted on this site several weeks ago, I was terminated the day before my 59th birthday. After close to 40 years, I suddenly found myself without a job that often required long hours including 3 hours of commuting time. I was unhappy and unf...


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FOR MUCH OF THE seventeenth and eighteenth centuries, European monarchs used a financial instrument known as a tontine to help finance their governments. Tontines were first developed in the 1650s by an Italian government worker named Lorenzo Tonti and were similar to annuities: In exchange for a single, lump-sum purchase, tontines offered guaranteed payments ...

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WHEN A HUSBAND dies, his widow inherits his IRA. Somewhere in the paperwork of the months that follow there is a decision to make, and nobody presents it to her as one. She can take the account as her own, or she can leave it titled as inherited. Taking it as her own means filling something in. Leaving it means doing nothing, and the IRS tells custodians they m...

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