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Category: Retirement & Elder Care

ARE YOU PART OF THE PANINI GENERATION?

August 1, 2019 Austen Smith Leave a comment

Time magazine recently featured a book review about an author who refers to the “panini generation.” You’re apparently part of…

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Posted in: Retirement & Elder Care

HOW TO TRADE-UP (OR DOWN) USING A REVERSE MORTGAGE

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Home prices in many markets have gone up recently.  This is leaving many retirees with sticker shock when it comes…

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Posted in: Retirement & Elder Care Filed under: Reverse Morgage

THE RULES OF 25 AND 72

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Here are two easy-to-remember formulas that can be very useful as you budget for retirement: The Rule of 25 –…

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Posted in: Retirement & Elder Care

THREE BENEFITS TO WORKING PAST 70

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Besides for the benefits of still earning money instead of tapping into retirement funds, there are three additional benefits to…

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Posted in: Retirement & Elder Care Filed under: Mortgage Planning

THREE IMPORTANT FACTS ABOUT SOCIAL SECURITY

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Many pre-retirees don’t fully understand how social security benefits work according to a recently released study conducted by AARP and…

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Posted in: Retirement & Elder Care Filed under: Retirement, Social Security

WHAT IS A REVERSE MORTGAGE?

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One way for you to potentially improve your cash flow during retirement is to use a home equity conversion mortgage…

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Posted in: Retirement & Elder Care

HOW TO FINANCE THE ROTH IRA CONVERSION STRATEGY

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WHAT IS A ROTH IRA? A Roth IRA is a retirement account where (1) you invest your money after you’ve…

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Posted in: Retirement & Elder Care Filed under: IRA, Retirement

THREE QUESTIONS TO ASK YOURSELF FOR A HAPPIER RETIREMENT

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 WHAT DOES RETIREMENT MEAN TO ME? Many people think of retirement as a time in your life where you can…

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Posted in: Retirement & Elder Care Filed under: Retirement

LOW BOND YIELDS ARE CAUSING PROBLEMS FOR RETIREES

Austen Smith Leave a comment

Most retirement plans created over the past 30 years have assumed that government bond yields during retirement would be a…

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Posted in: Retirement & Elder Care

Timing is Everything… Especially During Retirement

Austen Smith Leave a comment

A lot of discussion about “sequencing of distributions” has been taking place recently in financial planning circles.  “Sequencing of Distributions”…

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Posted in: Retirement & Elder Care

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Texas Recovery Fund Notice

Consumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550.

The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov.

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