January 2021 - Various Links You May Find Useful

1.  Remember Fed Chairman Alan Greenspan's use of the phrase "irrational exuberance" in December 1996 to describe the stock market volatility in the run-up to the "Dot-Com" bubble?
https://en.wikipedia.org/wiki/Irrational_exuberance

I was reminded of it when I read the article linked below:
https://finance.yahoo.com/news/full-blown-mania-stock-market-190645446.html
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2.  Worried about taxes going up?  You may find this link useful and informative:

https://www.usatoday.com/story/money/columnist/powell/2021/01/10/roth-ira-conversion-consider-ira-roth-ira-rollover/6601435002/
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3.  From Ed Slott - "America's CPA" - 2021 New Year's Resolutions For Your IRA:

ed_slott_2021_resolutions_for_your_ira.pdf
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4.  From Social Security expert Devin Carroll - Social Security "Cheat Sheet" for 2021:

2021_social_security_info_sheet.pdf
File Size:	458 kb
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Here's a video from Devin re: calculating your Social Security:
http://www.viewpure.com/Gt2lA8515_A?start=0&end=0

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5.  Elimination of the "Stretch" IRA - Rules for Inherited IRAs - changes you need to know, e.g. elimination of the "stretch IRA" for most people  - for most situations, your heirs must now pay the taxes due on the IRA they inherit from you within 10 years, thanks to the passage of the "Secure Act."

https://www.kiplinger.com/article/retirement/t047-c022-s004-secure-act-threatens-ira-rules-that-benefit-heirs.html ​

https://www.investopedia.com/articles/personal-finance/102815/rules-rmds-ira-beneficiaries.asp

There are ways you can lessen or eliminate the taxes your heirs will pay when they inherit your IRA - this video provides a "40,000 ft. overview:"
www.safemoneyhouston.com/ira-conversion.html
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6.  Retirees with guaranteed income are HAPPIER and live longer???  Hmmm...
​
www.yahoo.com/finance/news/retirees-guaranteed-income-happier-live-094500484.html
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7.  Several retirement-related links from Kiplinger.com:

Myth Busters - Examine The Facts About Fixed Index Annuities:
www.kiplinger.com/retirement/annuities/601969/myth-busters-examining-the-facts-about-index-annuities

Turned Off By Low CD Rates?  Consider a MYGA (Multi-Year Guaranteed Annuity):
www.kiplinger.com/retirement/annuities/601822/turned-off-by-low-cd-rates-consider-a-fixed-annuity

Does Your Retirement Plan Guard Against "The Survivor Trap?"
www.kiplinger.com/retirement/retirement-planning/601958/does-your-retirement-plan-guard-against-the-survivor-trap

When It Comes To Retirement, You Don't Know What You Don't Know - 12 Things You Didn't Know About Annuities...
www.kiplinger.com/slideshow/retirement/t003-s014-12-things-you-didn-t-know-about-annuities/index.html

More links from Kiplinger re: retirement planning:
www.kiplinger.com/retirement/annuities?page=1
​www.kiplinger.com/retirement/annuities?page=2
​www.kiplinger.com/retirement/annuities?page=3
www.kiplinger.com/retirement/annuities?page=4
all the way to page=11
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8.  Annuities - Good deal for women??

https://www.kiplinger.com/article/retirement/t003-c032-s014-annuities-could-be-especially-good-deal-for-women.html
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9.  Annuity - Investment or Insurance?

annuity_-_investment_or_insurance.pdf
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10.  Planning for Medical Expenses In Retirement:
www.investopedia.com/retirement/how-plan-medical-expenses-retirement/