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Financial Planning

Locking in “real” losses: Are bonds a good investment in 2022?

Locking in “real” losses: Are bonds a good investment in 2022?

You probably know that the “real” return of an investment is the gains and income you receive minus inflation and taxes. Most of us invest with the idea that, over time, we will experience positive real returns. One would imagine that the cadres of bond investors have...

Social Security benefits are projected to increase by 10.5% in 2023

Social Security benefits are projected to increase by 10.5% in 2023

We never know for sure until the announcement by the Social Security Administration each October, but it looks like people receiving benefits will get a big raise in 2023. Experts are predicting a 10.5% cost-of-living adjustment (COLA). This is based on recent changes...

What is a reverse mortgage line of credit (and should you get one)?

What is a reverse mortgage line of credit (and should you get one)?

A reverse mortgage is a type of mortgage that involves a lender making payments to a buyer instead of the traditional mortgage where a buyer makes payments to a lender. The debt owed to the lender increases with time while your equity decreases as it goes to the...

Four Ways Doctors Can Save on Taxes

Four Ways Doctors Can Save on Taxes

According to the Bureau of Labor Statistics (BLS), physicians and surgeons earn among the highest of all occupations, with a median annual wage of $208,000. While income of $208,000 puts physicians in the top five percent of earners in the United States, it is not...