The federal estate tax was repealed in 2010, then reinstated by the 2010 Tax Relief Act with new provisions for 2011 and 2012. These provisions include a higher exemption amount and a lower tax rate that could ease or eliminate the tax burden on many estates.



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Research across the board shows that seniors with close friends and families live longer happier lives. Whether you live on your own or in an assisted living community, active participation in social events lends itself to a better lifestyle. Recent research into the ability of seniors to grasp modern technology shows that comprehension of social media websites comes easily but not quite as quick as it is for youngsters.



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Planning for retirement is stressful for most people because they aren’t sure what to expect. The plans that a retiree sets in place now actually affect those they love for years to come after their passing. That is why it is important to prioritize and be prepared by answering some important questions. How much will you need to retire? There are many factors that affect this such as the quality of one’s health, the amount of debt one has, the size of one’s house and its upkeep and inflation. If you don’t have enough, it’s probably not a good idea to retire. This isn’t necessarily a bad thing.\\



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The amount of money you will need for retirement is essentially the same amount that you need right now less the expenses that you will no longer have by the time you retire. Most of the time these are long-term expenses such as mortgages, money you’re saving for retirement, etc. This may change as you could decide that you would like to help put the grandkids through college or have another long-term expense that comes up during retirement.



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Pickleball is a court sport best described as half way between tennis and ping-pong. The court is 44' x 20' and divided in two courts by a 36" high net. It is played as a singles game with one person/side or as a doubles game with 2 people on each side of the net. Each player has a paddle (total length plus width of the paddle cannot excede 23 3/4" or 60.3 cm.) The object of the game is to score points by successfully hitting a 3" diameter plastic ball (that is perforated with holes (commonly known as a whiffle-ball) across the net without it being successfully returned by the opponent(s).



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As tax laws change, college investment planning becomes increasingly complex. The most beneficial strategies for creating a college fund are quite similar to other investment tactics. Investment products that are tax deferred, tax exempt, or transferable without tax consequences can be especially advantageous.

This could be even more effective if you do your planning early.

One important aspect of an investment is its balance of yield and risk. Determine the amount of risk you can tolerate, given the amount of time you have to recover from any potential losses.



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What Happens If I Withdraw Money from My Tax-Deferred Investments Before Age 59½?

Withdrawing funds from a tax-deferred retirement account before the age of 59½ generally triggers a 10% federal income tax penalty; all distributions are subject to ordinary income tax. However, there are certain situations in which you are allowed to make early withdrawals from a retirement account and avoid the tax penalty.

IRAs and employer-sponsored retirement plans have different exceptions, although the regulations are similar.



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