Podcasts about mailbag should i

As we near the 4th of July and people hit the beach over the summer, you may be wondering what kind of impact that has on selling a house. Angie answers one listener question about this to share what listing a home the first week of July could look like. Regardless of when you list your home, make sure it's prepped and ready to show potential buyers!   Here's some of what we discuss in this episode: Mailbag: Should I avoid listing near the 4th of July because of the holiday? Mailbag: Should I wait for interest rates to drop to buy a home?   Check out our listings: https://www.acolerealty.com/

The choices we make with our money often come down to more than mere numbers. David answers three questions from listeners who are facing different situations in life and looking for what to do next. From wanting to retire ASAP to coming into a financial windfall, it's important to have a strategy in place to make sure the money works toward your goals.   Here's some of what we discuss in this episode: Mailbag: Can I retire right now? Mailbag: Should I rollover my 401(k)? Mailbag: What should I do with settlement money?   For additional resources or to contact David, visit us online at http://coveryourassetskc.com or call 913-317-1414.

Diving into the mailbag, David answers three questions about Social Security, 401(k) savings, and bad debt. Whether you are full retirement age, like Jacob who asks when to begin taking Social Security, or you are in your working years like Anna who is saving away in her 401(k), you're sure to learn something from today's show.   Here's some of what we discuss in this episode: Mailbag: I've reached full retirement age but don't plan to retire anytime soon. When should I take my Social Security? Mailbag: I'm loving the growth in my 401(k), but how long can it really last and when should I walk away? Mailbag: Should I sell my rental property to pay off all my debt?   4 Simple Strategies to Increase Your Net Worth (Ep 65): https://www.podbean.com/ew/pb-z44z9-d4dade For additional resources or to contact David, visit us online at http://coveryourassetskc.com or call 913-317-1414.

Every day you have to make choices about your money. What to spend it on, when to save, and how to manage it well. We tackle three questions from the mailbag today from people facing a financial decision. From learning how to take care of the household finances after one spouse passes to deciding about helping a child pay for college, Eric can help point clients in the right direction.   Here's some of what we discuss in this episode: Mailbag: What financial things do I need to consider after my spouse has passed? Mailbag: Should I help my son pay for an extra year of college? Mailbag: Should I pay off my house with a recently received inheritance?   Get in touch with the Peterson Financial team: https://petersonfg.com/

New episode format: we're cutting the birthday cake in half! // Mailbag: Should I take the Junior Captain Upgrade at Delta, How can airline pilots earn points and hotel stays [15:00] // Flight Advice: Sir Nik Fialka joins us to advise an Army Rotor Wing pilot on his civilian job strategy [29:30]  Advanced Aircrew Academy Blog on Mental Health Connect with Sir Nik Fialka on LinkedIn 21Five's Youtube Channel Connect with us on LinkedIn Our sponsors: Harvey Watt, offers the only true Loss of Medical License Insurance available to individuals and small groups. Because Harvey Watt manages most airlines' plans, they can assist you in identifying the right coverage to supplement your airline's plan. Many buy coverage to supplement the loss of retirement benefits while grounded. Visit harveywatt.com to learn more! Advanced Aircrew Academy enables flight operations to fulfill their training needs in the most efficient and affordable way—anywhere, at any time. We do this by providing high-quality professional pilot, flight attendant, flight coordinator, maintenance, and line service training modules delivered via the web using a world-class online aviation training system. Visit aircrewacademy.com to learn more! Tim Pope is a CERTIFIED FINANCIAL PLANNER™ and a pilot. His financial planning practice provides services to aviation professionals and aviation 401k plans. Tim helps clients pursue their financial goals by defining them, organizing & optimizing resources, planning, implementing, and monitoring their financial plan. Visit https://link.21fivepodcast.com/timothy-pope to learn more. Check out Tim's new podcast: The Pilot Money Podcast Employee Compensation Software That Answers "What's the Going Rate?" The AirComp Calculator™ is business aviation's only online compensation analysis system. It can provide precise compensation ranges for 14 business aviation positions in six aircraft classes at over 50 locations throughout the United States in seconds. VAERUS MEANS RIGHT, TRUE, AND REAL.Buy or sell an aircraft the right way, using a true partner, to make your dream of flight real. Connect with Brooks at Vaerus Jet Sales | Learn more about the DC-3 Referral Program Do you have feedback, suggestions, or a great aviation story to share? Email us info@21fivepodcast.com Check out our Instagram feed @21FivePodcast for more great content and to see our collection of aviation license plates. The statements made in this show are our own opinions and do not reflect, nor were they under any direction of any of our employers.

When you retire, you have to be strategic about what you do with your money. In today's show, Eric answers three questions from the mailbag about how to make the best financial decision possible with your money once you're retired.    Here's some of what we discuss in this episode: Mailbag: What's the maximum income I can have in retirement without paying taxes? Mailbag: Should I pay off my daughter's college loan? Mailbag: Anything I should do now to prepare for my RMD withdrawals next year?   Get in touch with the Peterson Financial team: https://petersonfg.com/

Is it really necessary to set up a trust? Fran shares what her age and assets are when she asks this important question. While David is not a lawyer, as a financial advisor he shares some of the reasons why or why not someone would want or need a trust when estate planning. Tune in as David answers this and two other questions from the mailbag on today's show.    Here are the listener questions David answers:  Mailbag: Should I save my healthcare receipts in my 30s to later get reimbursed by my HSA in retirement? Mailbag: Should I start Social Security sooner for those cost-of-living increases? Mailbag: Do I really need to redo my trust with an attorney?   For additional resources or to contact David, visit us online at http://coveryourassetskc.com or call 913-317-1414.  

For those in the sandwich generation, you may be wondering how much to help aging parents who weren't prepared for long-term care costs or your children trying to pay for college. Is it wise to step up financially to help them or are you better off focusing on your own retirement savings? In this episode, Eric answers this question as well as two more regarding CD rates and what to do if facing a potential market crash.    Here are the questions we cover on today's show: Mailbag: My parents didn't do a good job saving for the future and I'm worried about long-term care needs. Should I help them out or avoid this to save for myself? (1:22) Mailbag: Should I jump on the current CD rates? (5:23) Mailbag: I'm worried about a market crash, but I'm only 40. Do I need to stop worrying? (9:06)   Get in touch with the Peterson Financial team: https://petersonfg.com/  

It's the last week of the month, so we're diving into the listener mailbag for today's episode! Tune in as Scott answers some listener questions that have recently been sent into the show and see what knowledge you can gain from them. Stick around, because these strategies could be useful for your life or help you avoid financial mistakes in the future.   Here's what we'll discuss in this episode:  Mailbag: Should I move my IRA away from a place that charges a 2.5% fee? (1:32)  Mailbag: How does paying taxes on Social Security work? (7:44) Mailbag: I just got a raise at work but now I make too much money for a Roth IRA. Where should I invest instead? (13:10) Mailbag: I inherited over 100 acres of land and would like to keep it in the family, but is this the best choice? (17:28)   Want to get in touch? Web: https://sierensfinancialgroup.com/ Email: office@sierensfinancialgroup.com Phone: 847-235-6989 Read more and get additional financial resources here: http://lifemoneyshow.com  Check out our YouTube channel: https://www.youtube.com/channel/UCPhQ-u12d60Z0HNCwwVubdQ     

In today's episode, we continue discussing and answering listener questions we've received. Scott will answer questions on paying off your home mortgage, navigating retirement discussions with your partner, and leaving behind an inheritance for your children. Listen in as you may find yourself asking a similar question, in a similar scenario, or able to take the strategies discussed to help improve your financial picture!   Here's what we'll discuss in this episode:   Mailbag- Should I just pay off the $45,000 left on my mortgage if I have the money? (2:40) Are you getting tax deductions for your mortgage interest? (9:43) Mailbag- How can I convince my spouse to join me in retirement? (11:51) Mailbag- What kind of planning do I need to do to ensure my kids inherit my money and not the IRS? (19:52)   Want to get in touch? Web: https://sierensfinancialgroup.com/ Email: office@sierensfinancialgroup.com Phone: 847-235-6989 Read more and get additional financial resources here: http://lifemoneyshow.com  Check out our YouTube channel: https://www.youtube.com/channel/UCPhQ-u12d60Z0HNCwwVubdQ     

There are ways to invest tax-efficiently, and you don't necessarily need a Roth or IRA, or 401(k) to do that. How so? David answers three questions from the mailbag today from listeners who are facing different investing decisions. From what to do with an inherited IRA to making wise financial decisions that can impact future generations, there are ways you can approach these situations strategically.   Here are the questions we cover today: Mailbag: Am I required to take distributions annually on inherited IRAs? (2:53) Mailbag: Should I merge old 401(k) accounts? (5:25) Mailbag: How does inheriting a Roth IRA work? (9:29)   For additional resources or to contact David, visit us online at http://coveryourassetskc.com or call 913-317-1414.  

From time to time, we like to look at issues faced by people in other professions outside of the financial world and see what kind of retirement planning lessons we can learn from them. In today's episode, we're seeing what we can learn from teachers and the issues they face. Let's look at how homework, standardized testing, and customized learning approaches relate to financial planning.   Here's what we'll discuss in this episode: Everybody hates homework, but an advisor can help. (1:56) Like standardized testing, cookie-cutter planning isn't ideal. (4:36) Age-appropriate advice is critical in financial planning. (12:04) Lifelong learning is a great habit to develop. (15:04) Mailbag: Should I pay off my mortgage before I retire? (17:33) Mailbag: Gifting vs. lending money. (18:49)   Use the code “knowyournumber” to access the Know Your Number course for FREE! Want to set up a meeting with us? Visit us here: http://talkwithlee.com Get more financial education at http://myretirementclarity.com  

Think you are ready to buy your first home? Between finding an agent to signing the papers at the closing table, it's a process that you'll want to be prepared for. You'll also want to be prepared financially for this major purchase. But how much do you really need before you begin the home search? Angie answers this and four other questions from the mailbag about what you need to know when buying a home.   Here's what you'll learn from today's show: Mailbag: How can first-time homebuyers make the process less stressful? (0:38) Mailbag: How much money should I have saved before I start looking to buy? (2:02) Mailbag: What qualities should I look for in a real estate agent? (5:11) Mailbag: What's the timeline for closing? (7:05) Mailbag: Should I wait for home prices to price correct before making an offer? (7:51)   Check out our home-buying guide: https://www.acolerealty.com/blog/special-guide-the-home-buying-process/  Check out our listings: https://www.acolerealty.com/ 

There are a number of common questions that come up around owning a home. From paying off the mortgage quick to selling off several acres of land, Brian shares what you need to know about this important asset. You may be surprised to learn how important your tax strategy is when it comes to real estate investments.   Here's what you'll hear on today's show:  Should I try to pay off my home quickly? (0:27) Your first call should be to a financial planner before a realtor before selling major real estate. (2:21) Tax strategies can impact your financial decisions about selling real estate. (4:35) How has Brian helped women navigate becoming a widow from a financial standpoint? (11:31) Mailbag: Should I have all my investment, taxes, and legal documents all handled by the same firm? (19:34)   Get Additional Information: https://financialplanningva.com/podcast/  

How can you use your money wisely? Eric answers three questions that range from short-term travel plans to long-term estate planning decisions. While it's good to be a good steward with your money, remember what it's really there for. Sometimes money should be saved for your future, and sometimes making memories with your money now is worth more. These are the three questions Eric answers from the mailbag today: Mailbag: Should I put my unused travel funds into something more practical? (0:47) Mailbag: How can I make sure my kids don't fight over my estate? (3:38) Mailbag: Should I pay off the mortgage early with extra monthly income? (7:27) Get in touch with the Peterson Financial team: https://petersonfg.com/

We all want to know that we have enough for retirement when the time comes. Brian answers a question from the mailbag from someone who previously thought she couldn't afford retirement but has since realized her pension would provide more than she thought. Is it enough to retire though? How do you figure that out? Here are the listener questions Brian answers today: Mailbag: Should I pay off a home with my inheritance? Which one? (0:12) Mailbag: Do I have enough to retire with my pension? (11:31) Get Additional Information: https://financialplanningva.com/podcast/

As we wrap up the year, we dig into the mailbag to see what questions listeners have for David. We start with a question about saving for retirement in a 401(k) and how to max it out. More than meeting the company match, what's the most you can put away? Then, David addresses concerns about future taxes when saving for retirement. Here are the last two listener questions for 2022: Mailbag: What does it mean to max out a retirement account? (2:01) Mailbag: Should I save tax-deferred or tax-free or in another investment? (8:13) Happy New Year!        For additional resources or to contact David, visit us online: http://coveryourassetskc.com 

What are the financial implications of getting married later in life? There are a lot of variables that go into this financially speaking. Have you talked through what happens when one of you passes away? Do you or your fiancé have children? Eric and Marc go over what this may look like and also answer two other questions from the mailbag.   Which of these sayings relate to your financial life?  Mailbag: How complicated is a 401(k) rollover? (0:47) Mailbag: Should I get a prenup before marrying at age 52? (3:47) Mailbag: What do I need to know about an inherited IRA? (8:54)   Contact us: http://petersonfg.com

What can you expect when it comes to listing or buying a home when it comes to the price? Angie answers four questions from the mailbag related to home prices and preparing to buy a home on today's show.   What we discuss on this episode:  0:38 - Mailbag: Will the home list price be different than estimated a few months ago? 4:30 - Mailbag: How long does it take to get pre-approved? 5:48 - Mailbag: Should I wait until home prices go down to buy? 6:52 - Mailbag: What resources do you have for single women to buy a home?   See our listings: https://www.acolerealty.com/ 

What things should you look for online when buying a home and wanting a good deal? Will sellers pay some of the closing costs? Angie answers these questions and two others on today's show.   What we discuss on this episode:    0:37 - Mailbag: Should I look for “price reduced” homes? 3:25 - Mailbag: Where should I downsize and retire in Durham? 6:00 - Mailbag: Should sellers pay closing costs? 6:57 - Mailbag: Will my mother-in-law suite count toward the square footage?   See our listings: http://acolerealty.com   

Think about the taxes! Eric answers three questions from the mailbag today that all involve financial decisions with tax implications.   What we discuss on this episode:  0:46 - Mailbag: Should I take the lump sum or monthly payment for my pension? 4:55 - Mailbag: Should I use my retirement savings to pay off debts? 9:57 - Mailbag: Does it matter who gets what asset in my legacy plan?    Visit us online: http://petersonfg.com   

What should you do with those retirement savings? Whether you are leaving a job or navigating big expenses in retirement, David is here to answer a few questions from the mailbag.   Key topics on this episode:  1:32 - Mailbag: Should I spend money on home updates in retirement? 8:24 - Mailbag: Should I convert my IRA rollover into a Roth?   For additional financial resources, visit us online: http://coveryourassetskc.com 

When buying a house, how can you prove to sellers that you're in it for the long haul? Angie answers this question and two others from the mailbag on today's show.   See our listings: https://www.acolerealty.com/    What we discuss in this episode:  0:37 - Mailbag: What do I do with the junk left behind by the previous owners? 3:44 - Mailbag: Do you do a closing guarantee? 6:56 - Mailbag: Should I set the mood for a showing?

Angie answers three questions all about some home fixes, including home flips, a new sunroom, and when to buy an older home.   Key topics on this episode:  0:38 - Mailbag: Where is a good neighborhood to flip a home? 3:42 - Mailbag: Is it worth the cost to build a sunroom? 6:52 - Mailbag: Should I buy new construction or an older home to fix up?   See our listings: http://acolerealty.com 

Angie keeps us updated on the current shift in the market and how the Triangle differs from other parts of the country. Then, she answers two questions from the mailbag on this week's show.   Key topics on this episode:  0:40 - What has changed lately in the market? 7:21 - Mailbag: Which NC beach town has future growth potential? 9:28 - Mailbag: Should I wait until mortgage rates go back down?   See our listings: http://acolerealty.com 

Going through a divorce at any age is difficult, but doing it near or in retirement adds all sorts of additional complications. On this episode, we'll talk about some of the financial mistakes we see people make in the midst of a divorce. Contact: Phone Number: 480-513-1830 Website: https://pelletoncapital.com/ Show Notes:  1:41 - Being a certified divorce planner 2:37 - Choosing the house as a safety blanket 5:37 - The tax implications of retirement funds 7:28 - Qualified domestic relations order  11:11 - Going to a single tax status  13:56 - Mailbag: Should I load up on stocks? 18:48 - Join us at future webinars!

The famous Elon Musk has recently predicted a recession and we often hear this worry from clients as well. It's a big question being discussed with the down markets and high inflation. Are we entering a recession? On today's episode, we'll explore what it means if we are at the beginning of a recession and how well we are prepared for this possibility.  The net worth of American households has actually gone up in the past few years. If we are entering a recession, this increase in net worth will act as a bigger cushion for a lot of American families. This is especially true with the historically low debt Americans have. This savings boom has been unprecedented. Businesses are also in a stronger place than they were at the beginning of the pandemic and we are currently seeing higher profit margins. This is important if we are entering a recession, stronger profits lead to fewer layoffs and spending cuts.   All of these factors are putting the American people in a stronger position than they were at the start of the 2008 financial crisis. As the year progresses, we'll be able to see for sure whether this is a recession, but either way, it seems we are in a strong position to weather the storm. Check out the full episode or use the timestamps below to hear a specific segment. Check out the full episode or use the timestamps below to hear a specific segment. 1:47 – Enjoying Starwars 3:37 – Elon Musk's predictions 5:21 – Where are we as a society 8:39 - Business is strong 9:18 – In a better place than 2008 10:14 – The Feds impact on the market 11:28 – Recessions have shorter durations 14:11 – Mailbag: “Should I wait to retire until I'm eligible for Medicare?” 16:46 – Mailbag: “Can I start giving my children their inheritance now?”   For more, visit us online at http://flemingfinancialservices.com 

Trying to navigate buying a home? Angie answers four questions from the mailbag from listeners like you who are buying or selling a home in today's market.   See our listings: http://acolerealty.com    Listen for these key points:  0:49 - Mailbag: Should I use an ARM to buy my home? 3:33 - Mailbag: Why didn't my home sell over list price? 5:33 - Mailbag: What home upgrades should I make? 7:54 - Mailbag: There are rental bidding wars, too?

What should you do when you have retirement savings but a lot of consumer debt? David shares his thoughts on debt and how to tackle in before answering three other listener questions.   What we discuss on this episode: 0:50 - David is looking forward to some upcoming travel and celebrations! 2:33 - Mailbag: Should I use my 401(k) to pay off my consumer debt? 6:42 - Mailbag: How do I show a potential advisor they should include me in the discussion? 10:23 - Mailbag: Was it a mistake to start taking Social Security at 62? 14:33 - Mailbag: Is diversifying with multiple IRAs a good idea?   Get additional financial resources here: https://www.coveryourassetskc.com/podcasts

When buying a home, there are a lot of costs to factor into the equation. Angie shares how to set your search parameters on pricing and answers two other questions from the mailbag.   Get additional real estate resources here: http://acolerealty.com    Listen for these key points:  0:38 - Mailbag: Should I set my home search parameters at a lower price point? 5:07 - Mailbag: Is 20 percent down enough? 6:06 - Mailbag: Can I rent back my home from the buyer?  

What kind of savings do you really need for retirement? Are you working with the right advisor to get you there? Eric answers three questions from listeners on today's show.    Read more and get additional financial resources here: https://petersonfg.com/retirementreadypodcast/    What we discuss in this episode:  0:47 - Mailbag: If I can't save 15 percent for retirement will I be okay? 4:45 - Mailbag: Is it bad if my financial advisor is older than me? 7:48 - Mailbag: Should I save elsewhere besides my 401(k)?

What are the important birthdays we need to take note of when planning for retirement? There are certain milestones that have a big impact on your plan. As you approach 50, you want to really start planning strategically. If you haven't been saving much before, once you turn 50 you can actually participate in catch-up contributions. A few years later at 59 ½, you can start taking out of those retirement accounts without the 10% penalty. At 62 you're eligible to take Social Security, although whether you want to do so is dependent on your plan. What other important ages do you need to keep marked on your calendar? On today's episode, we'll break down the most important retirement birthdays as well as answer some mailbag questions.   What we discuss in this episode:  0:54 – How are is Mike doing? 2:39 – Catch-up contributions at 50 4:56 – Withdrawing early at 55 6:27 – No penalty withdrawals at 59 ½ 8:33 – Social Security at 62 11:02 – Medicare at 65 12:44 – Full retirement age 14:06 – RMDs and age 72 16:04 – Get your plan done! 17:27 – Mailbag: “Can I justify a private school tuition?”  20:16 – Mailbag: “Should I budget before meeting with an advisor?”   Read more and get additional resources here: https://principalpreservationservices.com/retirement-reality-podcast/

Time for some questions from the mailbag! Are you making wise financial decisions when it comes to generating retirement income? Hear what Eric has to say on today's show.   Read more and get additional financial resources here: http://petersonfg.com    What we discuss in this episode:  0:47 - Mailbag: Should I sell my rental property for more liquidity? 4:11 - Mailbag: Should I defer my Social Security until later? 6:44 - Mailbag: How much do I need to save to support my lifestyle in retirement?

It's getting close to the end of the year. What are your resolutions? On today's episode we go over 22 money resolutions you can make in 2022. Want to pay off your debt? Audit your insurance policies and make sure they fit your situation? Some of these ideas are easy like checking your credit while others will involve you working with an advisor. We'll discuss money-saving, taxes, consolidating your accounts, and more. At the end of the episode, we will go over two listener questions about mortgage and part-time work.   Get additional financial information: https://principalpreservationservices.com/episode-83-22-money-resolutions-for-2022/#   What we discuss: 0:50 – The holiday season! 2:02 – Reducing debt 3:43 – Reduce our retirement savings 4:28 – Preparing for emergencies 5:18 – Don't overreact to headlines 5:55 – Implement a budget 6:55 – Meet with an advisor 7:49 – Check beneficiaries 8:30 – Tough conversations 9:41 – Audit our insurance 10:50 – Think about refinancing 11:53 – Organize your financial life 12:51 – Check your credit 13:46 – Check your fees 15:01 – Share our knowledge 16:04 – Donation options 17:00 – Review your tax bracket 17:56 – Roth conversions 18:44 – Update paycheck withholdings 19:39 – Rebalance your portfolio 20:40 – Plan your retirement transition 21:45 – Consolidate accounts 22:38 – Listen to more podcast episodes! 24:16 – Mailbag: “Should I work part-time or full-time as I get close to retirement?” 25:25 – Mailbag: “Should we split our mortgage in half and pay every two weeks?”

It's getting close to the end of the year. What are your resolutions? On today's episode we go over 22 money resolutions you can make in 2022. Want to pay off your debt? Audit your insurance policies and make sure they fit your situation? Some of these ideas are easy like checking your credit while others will involve you working with an advisor. We'll discuss money-saving, taxes, consolidating your accounts, and more. At the end of the episode, we will go over two listener questions about mortgage and part-time work.   Get additional financial information: https://principalpreservationservices.com/episode-83-22-money-resolutions-for-2022/#   What we discuss: 0:50 – The holiday season! 2:02 – Reducing debt 3:43 – Reduce our retirement savings 4:28 – Preparing for emergencies 5:18 – Don't overreact to headlines 5:55 – Implement a budget 6:55 – Meet with an advisor 7:49 – Check beneficiaries 8:30 – Tough conversations 9:41 – Audit our insurance 10:50 – Think about refinancing 11:53 – Organize your financial life 12:51 – Check your credit 13:46 – Check your fees 15:01 – Share our knowledge 16:04 – Donation options 17:00 – Review your tax bracket 17:56 – Roth conversions 18:44 – Update paycheck withholdings 19:39 – Rebalance your portfolio 20:40 – Plan your retirement transition 21:45 – Consolidate accounts 22:38 – Listen to more podcast episodes! 24:16 – Mailbag: “Should I work part-time or full-time as I get close to retirement?” 25:25 – Mailbag: “Should we split our mortgage in half and pay every two weeks?” 13:13 – Working into retirement 15:44 – Mailbag: Pension lump-sum or monthly payments? 17:20 – Mailbag: Should I have more than one advisor? 20:09 – Mailbag: Do I really need a budget for retirement?

If you are close to retirement age but don't think you've saved enough money, you might be in better shape than you realize. Additionally, there are ways to save more as you approach retirement. You are probably in your peak earning years, meaning you have more money than ever to put away for your future. On today's episode, Mike is going to discuss some opportunities for late bloomers approaching retirement. In what ways can you save more? Where in your budget can you move money around?   Get additional financial information: https://principalpreservationservices.com/episode-82-opportunities-for-retirements-late-bloomers/   What we discuss: 1:17 – Happy Thanksgiving! 2:21 – Catch up contributions 4:40 – Kids no longer on your budget 8:09 – Disappearing debt 10:55 – Downsizing the house 13:13 – Working into retirement 15:44 – Mailbag: Pension lump-sum or monthly payments? 17:20 – Mailbag: Should I have more than one advisor? 20:09 – Mailbag: Do I really need a budget for retirement?

If you are close to retirement age but don't think you've saved enough money, you might be in better shape than you realize. Additionally, there are ways to save more as your approach retirement. You are probably in your peak earning years, meaning you have more money than ever to put away for your future. On today's episode, Mike is going to discuss some opportunities for late bloomers approaching retirement. In what ways can you save more? Where in your budget can you move money around?   Get additional financial information: https://principalpreservationservices.com/episode-82-opportunities-for-retirements-late-bloomers/   What we discuss: 1:17 – Happy Thanksgiving! 2:21 – Catch up contributions 4:40 – Kids no longer on your budget 8:09 – Disappearing debt 10:55 – Downsizing the house 13:13 – Working into retirement 15:44 – Mailbag: Pension lump-sum or monthly payments? 17:20 – Mailbag: Should I have more than one advisor? 20:09 – Mailbag: Do I really need a budget for retirement?

If you're ready to buy or sell a home, you want to know more about the process ahead of time. Angie answers four questions from the mailbag today about repairing your home, selling to an iBuyer or Investor, buying average, and working with Angie's team.     Read and learn more: https://www.acolerealty.com/blog/mailbag-repairs-acreage-angies-team-and-more/   See our listings: https://www.acolerealty.com/    What we discuss:  0:38 - Mailbag: Should I do $10K in repairs before listing? 3:29 - Mailbag: When should you sell to an iBuyer or investor? 7:14 - Mailbag: Where can I find a home with at least an acre? 10:18 - Mailbag: How many people on Angie's team will I work with?

What moves should you take now to retire early? How do you know if you have enough or too much risk in your portfolio? Is it worth waiting until 70 for Social Security? David answers these questions in this week's podcast.   Read more and get additional financial resources here: https://www.coveryourassetskc.com/episode-150-mailbag-retiring-early-risk-and-social-security    What we discuss on this episode: 0:27 - The Chiefs are headed in the right direction! 2:03 - Mailbag: What should I know about retiring at 55? 7:29 - Mailbag: How much risk should I be taking? 14:03 - Mailbag: Should I wait until 70 for Social Security?

What kind of options do sellers have when working with Angie and her team? She is going to explain some new programs her team is offering, discuss the market a bit, and answer two listener questions on luxury home buying and home inspections.   Read and learn more: https://www.acolerealty.com/blog/seller-programs-market-updates-and-more/   See our listings: https://www.acolerealty.com/    What we discuss on this episode:  0:38 - What's happening in the local market? 4:08 - What kind of seller programs are being offered by Angie and her team? 6:21 - Mailbag: Where should I look for luxury homes in Raleigh?   8:49 - Mailbag: Should I waive inspection?  

If you have the option to contribute to a Roth 401(k), should you do it? In retirement, how can you be sure you won't run out of money? David answers these questions and one more in today's podcast.   Read more and get additional financial resources here: https://coveryourassetskc.com/episode-141-mailbag-should-i-contribute-to-a-roth-401k/   Bank Tree Calendar: https://www.bankrate.com/retirement/calculators/401-k-retirement-calculator/   What we discuss on this episode:  0:28 - Who doesn't like the Chiefs? 2:24 - Mailbag: What if I don't need my IRA at age 70? 7:59 - Mailbag: Should I put my retirement savings into a Roth 401(k)? 10:55 - Mailbag: Will I ever shake the scared feeling that I might run out of money?  

Wanting to capitalize on the seller's market but still have your property rented out? What are your options? Angie answers this listener question as well as three others on today's show.   Read more: https://www.acolerealty.com/blog/mailbag-can-i-sell-my-rental-home-even-if-it-has-tenants/    See our listings: https://www.acolerealty.com/    What we discuss on this episode:  0:38 - What's happening in the market? 1:37 - Mailbag: Why do some homes have split ownerships? 4:25 - Mailbag: Can I sell my rental home even though it still has tenants? 6:30 - Mailbag: Should I do home repairs before selling it? 7:52 - Mailbag: How do I know how much home I can realistically afford?  

After listening to prior podcasts, listeners sent in questions for David to dive in deeper. We covered three questions in last week's episode and cover two more today on today's podcast.   Read more and get additional financial resources here: https://coveryourassetskc.com/episode-136-mailbag-how-much-money-to-set-aside-for-medical-care/    What we discuss on this episode:  1:19 - Mailbag: How do I know how much to save for medical expenses? 7:19 - Mailbag: Should I rollover my pension into an IRA and buy an annuity? 9:43 - What kind of annuity do you plan to buy?

Do rising home prices mean my taxes are about to go up as well? Angie answers this and three other questions from the mailbag in this week's episode.   Read more and get additional resources here: https://www.acolerealty.com/blog/should-i-be-nervous-about-rising-property-taxes/    See our listings: https://www.acolerealty.com/    What we discuss on this episode:  0:38 - Mailbag: What's the best value buy in Raleigh? 1:46 - Is this a common question among inflated prices? 3:27 - Mailbag: Will the same agent help me buy and sell my house? 4:51 - Mailbag: Should I be scared of property taxes rising? 7:59 - Mailbag: How fast can someone help me sell my house?

We take four questions from the mailbag to hear what Angie has to say about everything from appraisals to when's the best time to sell your home.   Read more: https://www.acolerealty.com/blog/mailbag-what-if-the-appraisal-doesnt-match-the-purchase-price/    See our listings: https://www.acolerealty.com/    What we discuss on this episode:  0:38 - Mailbag: Can we live in the upstairs of a business property? 1:59 - Are there many mixed-use properties for both business and personal home space? 4:40 - Mailbag: Should I wait until May to sell my home? 7:23 - Mailbag: What is the relationship between the appraiser and the realtor? 8:53 - Mailbag: What if the appraisal doesn't match the purchase price?

Is something going wrong if your IRAs aren't making as much as you think they should? Or, how can you save for an upcoming wedding? David answers four questions from the mailbag.   Read more and get additional financial resources here: https://coveryourassetskc.com/episdoe-129-mailbag-why-arent-my-iras-making-much-money/    What we discuss on this episode:  1:02 - It's mailbag time! 2:03 - Mailbag: How should we save or invest for a wedding? 5:49 - Mailbag: Should I sell stock or keep my taxes low? 9:29 - Mailbag: Why aren't my IRAs making much money? 12:02 - Mailbag: Can I combine my old 401(k)s?

When should you use your IRA and how can it be best utilized? These three questions from the mailbag all mention their IRA as an option, but what does Eric have to say about all of these situations? Find out!   Read more and get additional financial resources here: https://petersonfg.com/mailbag-what-should-i-do-with-my-ira/    What we discuss on this episode:  0:47 - Mailbag: Should I take money from an IRA or get a business loan? 4:08 - Mailbag: My pension won't adjust for inflation. What should I do? 7:25 - Mailbag: I'm annoyed about taking money out of my IRA. How can I avoid that?

Is paying off the house a worthwhile reason for taking Social Security early? Can life insurance create retirement income? David answers five very different questions from the mailbag in today’s episode.   Read more and get additional financial resources here: https://coveryourassetskc.com/episode-125-mailbag-should-i-take-social-security-early/    What we discuss on this episode:  1:34 - Mailbag: Should I take Social Security early to help pay off the house?  7:12 - Mailbag: Can you use life insurance to create income in retirement? 8:48 - Mailbag: How much should I leave as a legacy vs. enjoying now? 12:08 - Mailbag: When should I reinvest my money? 16:51 - Mailbag: How much long-term care coverage do we need?

Do you have a great house but live on a busy street? Wondering if it's worth finishing your basement before listing? Angie answers these questions and more on today's podcast.   Read more and get additional resources here: https://www.acolerealty.com/blog/mailbag-how-can-i-make-my-home-more-attractive-to-a-buyer/    See our listings: https://www.acolerealty.com/    What we discuss on this episode:  0:38 - Mailbag: Will the housing market crash? 3:54 - Mailbag: What resources can you provide when flipping a home? 7:10 - Mailbag: How do you sell a home on a busy street? 10:36 - Mailbag: Should I finish off the basement before selling my home?

Everything little detail adds up when selling a home and attracting a buyer. But do these improvements actually put more money in your pocket when you sell your home?   Show notes: https://www.acolerealty.com/blog/mailbag-will-i-get-my-moneys-worth-out-of-this-home-improvement/    See our listings: https://www.acolerealty.com/   What we discuss on this episode:  0:39 - Mailbag: Should I get a solar tube light? 2:43 - Mailbag: Can someone with disabilities bring a support dog to showings?     4:51 - Mailbag: Does adding attic storage space bring value to the home? 8:04 - Mailbag: Can an upgraded closet pay for itself if we end up selling soon?

In today's competitive market, how much should you offer in due diligence? Should you offer more than the list price? Angie answers four questions from the mailbag in this week's podcast.   Read more and get additional resources: https://www.acolerealty.com/blog/mailbag-how-much-should-i-put-in-due-diligence/    See our listings: https://www.acolerealty.com/    What we discuss on this episode:  0:38 - Mailbag: Should I work with an individual agent or a team?  4:02 - Mailbag: Which home upgrade is best?  5:56 - Mailbag: How much do I need to pay in due diligence?  8:32 - Mailbag: How much more than the list price should I offer? 

How does the real estate market look right now in spring 2021? Angie gives a summary of what to expect before answering two questions from the mailbag.   Read more and get additional resources here: https://www.acolerealty.com/blog/triangle-real-estate-market-update-for-march-2021/    See our listings: https://www.acolerealty.com/    What we discuss on this episode:  0:38 - What's happening in the local real estate market?    5:12 - Mailbag: Should I sell multiple properties at once?  8:05 - Mailbag: How can I ensure I get multiple offers on my home?   

Are you ready to sell your home ASAP? Angie shares how quick her team can get a home on the market and answers one more question from the mailbag about a renovation project in today's podcast.   Read more and get additional resources here: https://www.acolerealty.com/blog/mailbag-how-soon-can-i-sell/    See our listings: https://www.acolerealty.com/    What we discuss on this episode:  1:00 - Mailbag: Should I refinance and renovate my kitchen? 3:42 - Mailbag: How fast can we start the home selling process? 5:09 - How can you get started with the home selling process?

How do you need to adjust or pivot when it comes to buying or selling a house during the pandemic? Angie answers four listener questions about how to do it successfully.   Read more and get additional resources here: https://www.acolerealty.com/blog/overcoming-coronavirus-caused-hurdles/    See our listings: https://www.acolerealty.com/    What we discuss on this episode: 0:38 - Mailbag: Can I sell my home through virtual-only showings?  2:27 - Mailbag: What is possible when it comes to staging my home right now?  4:56 - Mailbag: When should I start the process as a first-time homebuyer?  7:47 - Mailbag: Should I make repairs before selling or sell as is? 

Before you sell your home, should you be making certain repairs or upgrades? Or can you list as-is and still make money in this market? Angie answers this question and two others in this week's podcast.   Read more and get additional resources here: https://www.acolerealty.com/blog/should-i-make-home-improvements-before-listing-my-home/    See our listings: https://www.acolerealty.com/    What we discuss on this show:  0:37 - Mailbag: Is now a good time to buy a home or should we wait for things to calm down? 2:18 - Mailbag: Should I apply for a home loan alone or with my spouse? 5:15 - Mailbag: Can you sell a home without making upgrades?

Just like technologies change and become outdated, so do some retirement planning strategies. Let's look at five financial strategies that have become obsolete.   Read more and get additional financial resources here: https://www.baschrock-fg.com/podcast/ep-54-five-outdated-financial-strategies/    What we discuss on the show:  2:55 – 4% rule 4:27 – 10/5/3 rule 6:22 – Move money from stocks to bonds as you get older 7:44 - $1 million retirement target 9:42 – Needing less money in retirement 11:52 – Mailbag: Should we invest differently based on the election? 14:42 – Mailbag: Should I buy gold coins, gold bars or no gold at all?

When should you refinance? Is it possible to sell a home completely virtually? Angie answers these questions from the mailbag in today's episode.   Read more and get additional resources here: https://www.acolerealty.com/blog/is-it-worth-it-to-refinance/    See our listings: https://www.acolerealty.com/    What we discuss on this show:  0:38 - In the News: Raleigh included in list of top zip codes in the country. 3:53 - Mailbag: Should I refinance my home? 6:22 - Mailbag: Can I sell a home completely virtually? 11:08 - What's the first step of the home selling process?  

When it comes to finances, a lot of times it is easy to make an assumption about something one way or another. But you know what they say about what happens when you assume!   Read more and get additional financial resources here: https://wp.me/paIiUZ-gA    What we discuss today:  0:35 - Nathan shares why this is his favorite time of the year. 1:52 - What is the latest in the news? 5:49 - Why shouldn't you make assumptions? 6:53 - Assumption: You'll spend less in retirement. 8:42 - Assumption: Taxes will be lower in retirement. 11:34 - Assumption: You have to financially help out adult children. 14:34 - Assumption: I'll never be able to retire. 17:54 - Mailbag: Should I buy gold bars, gold coins, or no gold at all?

Do most realtors use social media? Is it a deal breaker to work with someone who doesn't? Angie answers this as well as three other questions from the mailbag.   Show notes: https://www.acolerealty.com/blog/how-important-is-social-media-for-realtors/    See our listings: https://www.acolerealty.com/   What we discuss today:  0:38 - Mailbag: Can I still sell my home with an iBuyer or investor company?  1:34 - Which way of selling will net more money?  2:46 - Mailbag: Should I work with my friend who is a realtor but doesn't use social media?  4:39 - Mailbag: Will smart locks hurt your resale value?  6:12 - Mailbag: Is something wrong with a house that is on the market for a year? 

How often do advisors see certain situations? Are you alone in your questions or are they common scenarios?   Show notes and additional resources: https://wp.me/paIiUZ-ek    Today's rundown:  2:25 - In the News: Former Wells Fargo CEO John Stumpf to pay millions in fines. 3:38 - How we respond to the market recently taking a bit of a dip, in part with the Coronavirus. 5:16 - How often do people ask, “Can I retire tomorrow?” 6:20 - How often do clients go against the advisor's advice? 9:16 - It's good to challenge advisors to understand the reasons for their financial advice. 9:49 - How often does a client cry? 11:23 - How often does a client say they need a million dollars before retiring? 13:48 - Mailbag: Should I sell my rental properties to pay off debt?