Retirement Planning — Working an Extra Year?, The 10 Cheapest Small Towns In America

Three Ways to Give to Your Kids Tax-Free While You re Still Alive | Need to Build an Emergency Fund? | What Happens Financially When You Work One More Year? Created for {EMAIL} | [Web Version]( April 16, 2024 CONNECT WITH KIPLINGER  [LinkedIn]( [Facebook]( [X]( [Youtube]( [Instagram]( [SIGN UP]( ⋅ [WEBSITE]( [] Top Story [] [Three Ways to Give to Your Kids Tax-Free While You’re Still Alive]( [Three Ways to Give to Your Kids Tax-Free While You re Still Alive]( (Getty Images) Most of the Baby Boomers financial planner Evan Beach works with would rather give during their lives, helping their kids with a down payment for a house or with their grandchildren’s education. There’s one problem: It’s often less tax-efficient to give during life. Fortunately, [there are several strategies available that can help](. [] Personal Finance [] [Need to Build an Emergency Fund?]( [Need to Build an Emergency Fund?]( (Getty Images) A substantial emergency fund can provide the confidence to navigate life’s uncertainties. Wealth and estate planning expert Justin Stivers [breaks down seven steps to help you get there](. [How to make your will without a lawyer]( Many people think they have to hire an attorney to draft their will. But it's legal to create your will on your own – and with today's technology, it's never been easier. Here's how to get started. [READ MORE]( ADVERTISEMENT [] Retirement [] [What Happens Financially When You Work One More Year?]( [What Happens Financially When You Work One More Year?]( (Getty Images) Financial planner Andrew Rosen explains that the impact of saving more, spending less later and benefiting from [an extra year or more of compounding can be truly staggering](. [] Insurance [] [Eight Reasons Why Your Home Insurance Costs Are Surging]( [Eight Reasons Why Your Home Insurance Costs Are Surging]( (Getty Images) The cost of home insurance has been on a sharp rise. However, there are several ways to bring down your insurance premium while ensuring adequate home coverage. [Here’s how to whittle down your premium](. [Don't Bet Your Retirement on the Stock Market. Follow these 4 Tips]( If your retirement savings are in the stock market, you need to manage your risks. Here are four tips to consider in a plan for income: 1. Lifetime annuities 2. High dividend portfolio 3. Balanced portfolio for IRA withdrawals 4. Conservative estimate of market performance Go2Income plans average a starting income of 5.5% – following this advice. Get your number with a complimentary Go2Income plan today. [Order Your Plan]( ADVERTISEMENT [] Places to Live [] [10 Cheapest Small Towns to Live In]( The cheapest small towns might not be for everyone, but their charms can make them the best places to live for plenty of folks. [Read More]( [] Stocks [] [How Exactly Do Interest Rates Impact Stock Prices?]( The Fed is expected to begin cutting interest rates later this year, which could significantly help the stock market. [Read More]( [Build a Retirement Plan that's Right for you]( A comprehensive retirement plan should account for all of your sources of income (including Social Security) and all of your retirement expenses. Our advisors can help you make sure you don't miss anything. [LEARN MORE]( ADVERTISEMENT ABOUT KIPLINGER When we write about money, we get it right. So the decisions you make with your dollars are also right. Kiplinger is a trusted provider of unbiased financial advice, objective business and economic forecasts, and practical help to millions of business professionals, investors, and individuals seeking to make more profitable decisions with their money. Our [flagship publications]( include [Kiplinger Personal Finance]( magazine, [The Kiplinger Letter]( [The Kiplinger Tax Letter]( [Kiplinger Retirement Report]( and [Kiplinger Investing for Income.]( All are regarded as the leading publications in their respective fields. Every day, millions of readers rely on our [free e-newsletters]( for help on everything from getting the best rate on a mortgage or car loan, to managing their businesses in an uncertain world, avoiding an IRS audit, building wealth for a secure retirement, or investing wisely in any kind of market. Now it’s your turn to reap all the rewards Kiplinger has to offer. Visit [Kiplinger.com](, your gateway to all of the above and much more. Check in any time for our latest advice on how to make more money, and keep more of the money you make. Stay right on the money, with Kiplinger. [Sign Up]( | [Print Publications]( | [Unsubscribe]( [Privacy Policy]( | [Cookies Policy]( | [Terms and Conditions]( CONTACT US: [FEEDBACK](mailto:mailto:alerts@kiplinger.com) | [ADVERTISE]( [Future]( Future US LLC © Full 7th Floor, 130 West 42nd Street, New York, NY, 10036