Timothy Sumer

| (888) 465-9728 | stephanie@abtinsuranceagency.com | Employer Plan vs Medicare - Delaying Medicare can be a difficult decision for some, especially when you don't quite understand how Medicare coverage will compare to the employer based health plan you have now. If you are working past age 65, or your spouse is working past age 65 and you are covered on your spouse's employer medical plan, you may want to delay you Medicare coverage all together. However, the decision of whether or not to delay Medicare can depend on several different factors, which I review in today's video. Medicare questions? Need a Medicare Plan? Let us help. Our service is 100% free of charge. 888-465-9728 Medicare Supplement Rates: Medicare Part B Special Enrollment Period Guide: Who Pays First? Medicare and other coverage: How to Enroll in Medicare When You Retire: Medicare Advantage Vs. Medicare Supplement: ... ( read more ) LEARN MORE ABOUT: IRA Accounts CONVERTI...

***Lively has started charging $24 or forces you to hold a minimum of $3,000 in their HSA. Due to this change, I do NOT recommend them any longer. Please do not use this company. A Fidelity HSA is currently free at this time*** An HSA (Health Savings Account) is one of the best investments you could ever make. This is especially true for anyone pursuing Financial Independence Retire Early. The HSA gives you the chance to invest your money tax-free, let your money grow tax-free, and you can even withdraw your money tax-free. In this video, I'll show you how to turn your HSA (Health Savings Account) into one of the best retirement accounts you've ever had. Car Hacking Strategy To Get Free Cars FOREVER: The Best Bash Back Credit Cards: Accepted medical expenses: Check Out My Recommendations (It helps support the channel): 🔥 M1 FINANCE Investing- Free $10 (once you deposit at least $100 within 30 days) Here's a video on how to use M1 Finance ...

大家很关心如何最大化领取社安金。很多人在想，我可不可以先领取配偶的社安金，让自己的社安金一直增长到70岁，等自己的社安金增长到最高的时候，再换成自己的社安金。 这样可以吗？欢迎观看本期找答案！ 欢迎关注潘老师小课堂！ ********************* 欢迎大家订阅《潘老师小课堂》，理财退休生活有保障！ 想了解更详细的内容，或者有任何有关退休，年金，人寿保险，医疗保险，税务规划等等方面的，可以跟我们联系： 电话: 734-386-9145 email：panfinancialinc@gmail.com 微信：pan-financial-inc 公众号： ********************* 其他节目： 第81期： 没有40个积分有社安金养老金和免费的Medicare红蓝卡 Part A吗？不工作的单身、离婚、已婚配偶和丧偶的有什么不同，离异又复婚的怎么算？领取配偶社安金的一半到底有多少 第80期：您知道多大年龄可以领社安金，领多少？能提前领吗？夫妻或单身领取策略有什么不同？ 第11期：退休规划：如何优化配偶社安金政府养老金，怎么领取可以最优化，没有工作过，退休可以领社安金吗？最多可以领配偶的一半，Social Security Spousal Benefit 第 8 期: 美国养老退休金，我们能拿多少社安金吗？手把手教你计算，如何优化社安金领取，什么年龄拿社安金比较好呢？晚拿每年8%增长，Social Security Benefit, 拿社安金需要的条件 第79期：房产证上可以加孩子的名字吗？有什么潜在风险？如何避免巨额税和罚款，赠与税，遗产税 第78期：外国人在美国投资房地产，可能多交税喔，一定要注意的税务问题，遗产税，收入税，增值税，需要预扣多少？如何避免多交税？记得交税，否则预扣30%的收入税，卖房扣15%总额的税款 第77期：海外身份，绿卡公民在美国投资怎么收税，各自优缺点，遗产税都是1千2百多万吗？夫妻双方一人绿卡，一人外国人，怎么投资比较划算？外国人投资房地产、股票、公债，银行利息要交税吗？ 第76期：免税增长的Roth 拿钱的顺序，常见的问题，重要规则，实例分析，如何避免税和罚款Roth distribution examples 第75期：为什么要做Roth IRA Conversion，有收入...

Why Should I Use a Health Savings Account (HSA)? Learn to budget, beat debt, & build a legacy. Visit the online store today: Did you miss the latest Ramsey Show episode? Don’t worry—we’ve got you covered! Get all the highlights you missed plus some of the best moments from the show. Watch debt-free screams, Dave Rants, guest interviews, and more! Want to watch FULL episodes of The Ramsey Show? Make sure to go to The Ramsey Show (Full Episodes) at: Check out the show at 4pm EST Monday-Friday or anytime on demand. Dave Ramsey and his co-hosts talking about money, careers, relationships, and how they impact your life. Tune in to The Ramsey Show and experience one of the most popular talk radio shows in the country! Ramsey Network (Subscribe Now!) • The Ramsey Show (Highlights): • The Ramsey Show (Full Episodes): • The Dr. John Delony Show: • The Rachel Cruze Show: • Anthony ONeal: • The Ken Coleman Show: • The Christy Wright Show: • EntreLeadership: ... ( rea...

Add me on Insta: michellemarki 2023 Contribution Limits: $22,500 for 401(k), 403(b), most 457 plans, and Thrift Savings Plan (TSP) $6,500 for Roth IRA and Traditional IRA (Individual retirement account ) $3,850 Individual and $7,750 Family for Health Savings Account (HSA) This totals at least $32,850 you could be stashing away for retirement and/or medical expenses! And don't forget if you're over 50/55 there are some catch up contributions you can make to some of the above tax-advantaged retirement accounts! If you're interested in learning how to take control of your finances and start becoming an investor like Warren Buffett, check out my free PDF guide: I look forward to making more investor friends! Please like and subscribe if you learned something or enjoyed my video. Thank you! :) --- Add me: Check out my Blog: --- Disclaimers: This content is for entertainment, information, education purposes only. Michelle is not a financial advisor and is not ...

Affording Health Insurance Before Medicare... ( read more ) LEARN MORE ABOUT: IRA Accounts CONVERTING IRA TO GOLD: Gold IRA Account CONVERTING IRA TO SILVER: Silver IRA Account REVEALED: Best Gold Backed IRA Retiring early can be an exciting prospect for many individuals looking to enjoy their golden years ahead of schedule. However, there's one critical factor that must be accounted for before taking the leap into early retirement: health insurance. Retiring before age 65 means that you won't be eligible for Medicare, which can lead to higher healthcare costs and potential gaps in coverage. Therefore, it's essential to consider the following health insurance tips when planning for early retirement. 1. Explore Your Options Before leaving your job, research and compare different health insurance options available through the private marketplace. Often, you can find more affordable coverage through the Affordable Care Act (ACA) health insura...

How effective are inflation-indexed bonds as a hedge against inflation? -~-~~-~~~-~~-~- Must Watch: "PM Narendra Modi Backs Vijay Mallya Says Rahul Gandhi" → -~-~~-~~~-~~-~-... ( read more ) LEARN MORE ABOUT: Treasury Inflation Protected Securities REVEALED: Best Investment During Inflation HOW TO INVEST IN GOLD: Gold IRA Investing HOW TO INVEST IN SILVER: Silver IRA Investing Inflation can have a major impact on your investments, especially if you're investing in fixed-income assets. If you're looking for a way to protect your investments against inflation, you may want to consider investing in inflation-indexed bonds. Inflation-indexed bonds, or inflation-linked bonds, are a type of fixed-income investment that provides protection against inflation. These bonds are designed to increase in value as the inflation rate rises, so your investment doesn't lose its purchasing power over time. Here are a few inflation-indexed bond i...

... ( read more ) LEARN MORE ABOUT: Qualified Retirement Plans REVEALED: How To Invest During Inflation HOW TO INVEST IN GOLD: Gold IRA Investing HOW TO INVEST IN SILVER: Silver IRA Investing As an employer, it is important to ensure that your employees are well-informed about their retirement benefits. This is especially true as we approach the fiscal year 2023, which means new updates and changes in retirement benefits policies. One of these changes is the service purchase option, which entails making additional payments to cover years of employment that are not credited towards their retirement plans. The service purchase option is available to federal employees who have had a break in their federal service, or those who wish to enhance their retirement benefits by adding extra years of service to their record. Service credit may be purchased for a variety of reasons, such as periods when an employee was on leave without pay, or for military servic...

This comprehensive training is for benefits administrators and other staff who administer retirement benefits.... ( read more ) LEARN MORE ABOUT: Qualified Retirement Plans REVEALED: How To Invest During Inflation HOW TO INVEST IN GOLD: Gold IRA Investing HOW TO INVEST IN SILVER: Silver IRA Investing https://inflationprotection.org/fy2023-retirement-benefits-training-full-presentation/?feed_id=37416&_unique_id=636a9cf70009b #Inflation #Retirement #GoldIRA #Wealth #Investing #carolina #Health #healthinsurance #healthplan #impact #insurance #insurancebenefits #opportunity #Retirement #retirementbenefits #retirementsystems #SC #SouthCarolina #stateemployee #QualifiedRetirementPlan #carolina #Health #healthinsurance #healthplan #impact #insurance #insurancebenefits #opportunity #Retirement #retirementbenefits #retirementsystems #SC #SouthCarolina #stateemployee