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Dennis M. Postema

Dennis M. Postema, RFC, is a successful entrepreneur, best-selling author, coach, speaker and registered financial consultant. He is the founder of MotivationandSuccess.com, StoriesofPerseverance.org, FinancingYourLife.com and TheRetirementInstitute.org.

An Introduction to Long-Term Care

We spend our entire adult lives planning for our future. But no matter how well prepared we are, there are often details left unattended. While some details can be missed without causing a financial crisis for our heirs or us, others create a cascade of debt and depletion of assets …

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Considering Pension Buyout Factors

The recent pension buyout offered by General Motors sent many seniors and boomers on a mad hunt for information about the pros and cons of accepting a buyout offer in place of what was originally meant to be a lifetime payout.As with any financial decision, there are risks involved both …

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Introduction to Medicare Parts A and B

Medicare is a fantastic, comprehensive insurance program for seniors age 65 and over, but it can be overwhelming. With its various parts, gaps, supplements, limits and deductibles, it’s easy to become intimidated and confused when learning about it for the first time—or even for the fifth. Two of the most …

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Conquering Money Fears

When facing imminent retirement, it’s not unusual to get nervous, scared even, about whether you’ve saved enough money to last throughout your retirement years. But becoming fearful about your finances can be damaging. Not only can it ruin your ability to enjoy looking forward to being retired, it can also …

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What’s in an RMD?

If you have a Traditional IRA, then you won’t be allowed to make contributions anymore once you reach the year in which you turn 70.5. In addition, while you may opt to start taking distributions without penalty at age 59.5, you will be forced to take distributions the year after …

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Common Mistakes of Estate Planning

Even though planning your estate isn’t an enjoyable job it’s necessary so that you can efficiently and successfully transfer all of your assets to those you leave behind. With a bit of careful planning, your heirs can avoid having to pay estate taxes and federal taxes on your assets. As …

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A Prescription for Savings

A typical supply of worry for most people on Medicare insurance is the capability to pay the prescription medications they have to stay healthy. What’s promising, however, is when you are in Medicare insurance and getting trouble having to pay for needed medicines-or maybe you are concerned about what you …

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