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A small business doesn’t need to file a separate tax return if it’s set up as a sole proprietorship or an LLC taxed as a sole proprietorship. Income from the business is included on a Schedule C in the owner’s personal tax return. A revocable living trust is a “disregarded entity” under federal tax law. Income in a revocable living trust is treated as earned by the grantor.</...
Bond funds had their worst calendar-year return in several decades in 2022. The broad market index was down 13% that year, while the S&P 500 was down 18%. People were disappointed that bonds didn’t hold up when stocks were down. They’re doubly disappointed that bonds still haven’t fully recovered from the losses in 2022 as of mid-November 2025, while stocks have not only ...
When both spouses in a married couple retire before 65, they most likely will buy health insurance from the ACA marketplace unless they have retiree health insurance coverage or they only have a short gap that can be covered by COBRA. When there’s an age difference between the two spouses, the older spouse will start Medicare at 65, leaving the younger spouse in ACA health in...
I mentioned in the previous post When to Claim Social Security: How Much Does It Matter, Anyway? that a common recommendation for a married couple is for the lower-earning spouse to claim Social Security early at 62, and for the higher-earning spo...
Social Security gives everyone an official “Full Retirement Age.” It’s 67 for those born in 1960 or later, but you can claim as early as age 62, as late as age 70, or anywhere in between. The tradeoff is between a lower monthly benefit for more years and a higher monthly benefit for fewer years. The uncertainty lies in how long you’ll live.
Whenever there are choice...
