20 Retirement Decisions You Need to Make Right Now by Ray LeVitre

By Ray LeVitre

You're accountable for Your Retirement Future

Inside are twenty significant monetary judgements which can profoundly impression your way of life over the subsequent 40 years. for plenty of retirees, those judgements come as a shock and has to be made swiftly with no right session. yet by way of examining the professional, commission-free recommendation during this ebook, you'll methods to deal with your resources and get ready for the very best retirement.
* Do i've got sufficient cash to retire now?
* How will I hide my clinical expenditures in the course of retirement?
* whilst may still I start taking Social Security?
* How a lot may still I put money into shares, bonds, and cash?
* What standards should still i exploit to spot the easiest investments?
* may still I cancel my lifestyles coverage policy?
* should still I repay my personal loan at retirement?

Ray E. LeVitre is a qualified monetary Planner with approximately two decades of expertise within the monetary providers undefined, operating for constancy, CitiCorp, Mutual of recent York, and Merrill Lynch sooner than beginning his personal company. He has been featured within the Chicago Tribune, cash journal, Newsweek, and Kiplinger's. A fee-only consultant, Ray doesn't obtain fee from any services or products he recommends.

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Example Ed owes his former spouse $1,000 each month to cover alimony of $600 and child support of $400. In March 2012, Ed pays only $500. Of this amount, $400 is treated as child support; $100 is treated as alimony. Pitfalls The parent who makes child support payments cannot deduct them. They are not considered to be part of deductible alimony payments (explained in the next section). If a reduction in child support payments to a parent is not specifically tied to the child’s age of majority but is scheduled to occur within 6 months before or after such date, the reduction is treated as if it was tied to the child.

LIVING APART You and your spouse or former spouse must not live in the same household. This means separate residences; merely having separate bedrooms in the same home is not good enough for payments to be treated as alimony. However, payments made while you are preparing to leave can be deducted. There is a 1-month limit so that only payments made within 1 month prior to your departure can be treated as alimony. If it takes you longer to move out, your earlier payments are not deductible. PAYMENT RESPONSIBILITY ENDS ON DEATH Your responsibility to make payments to your spouse or former spouse must end if that person dies.

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