Bob and Carolyn have been retired for ten years. When Bob retired, he had accumulated a comfortable nest egg of $1.8 million. His employer had an employee stock purchase program allowing him to invest through payroll deduction. The stock had done well over the years, paying cash and stock dividends
The word “empathy” came to me through diverse situations and sparked my enthusiasm to share a few thoughts on the topic in the context of a “Life Lived Forward.” Empathy is a broad concept that refers to the cognitive and emotional reactions of an individual to the observed, wide range
You are probably aware of the IRA penalty for taking money out of an IRA or Roth IRA too early. Distributions prior to age 59½ are subject to tax and a 10% penalty (see exceptions). You may also be aware of the penalty for taking distributions too late. Required minimum
Discerning when it is time for action or to postpone action becomes an art. Our inner wisdom is our best teacher! There is a time for creative action out of imagination and a time for creative meditation as we deepen our connectedness with all that is through our intuition. There
You may be wondering what happened to the annual Social Security benefits statement you used to receive in the mail. The handy four-page statement usually came three months before your birthday with an estimate of your benefit amount at retirement. Back in 2011, the Social Security Trustees’ report revealed that
Through the course of life a yearning to discover the meaning of peace may spring to mind. I began this quest when I was 9 years old and discovered a beautiful poem that inspired me to embrace this ideal as part of my vision. Here’s a traditional tale of a
In my book, Creating Family Archives: A Step-by-Step Guide for Saving Your Memories for Future Generations, I discuss the techniques that archivists use to protect historical materials from the ravages of time. I find that it’s also helpful to discuss what can cause damage to your archival items. Many hazards
