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Retirement and Retirement Planning Articles
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- Can You Survive Retirement? - by Submitted on May 07, 2013 from Brad NearWorkers and employers in the U.S. are bracing for a retirement crisis, even as the stock market sits near highs and the economy shows signs of improvement. It is time to ask you some serious questions: Are you set up where you can maintain your personal lifestyle with your known retirement ...
Views: 1696(1 vote) - Retirement Planning - 10 Significant Ages to Plan For - by Submitted on Jan 02, 2013 from Frank VeltenIn retirement planning, your age determines the specific actions you may be able to take. Your age dictates, for example, when you can take part in a retirement plan, make contributions to IRAs, and take money from your plan. Below are 10 significant ages you should plan for: Age 21 A ...
Views: 1692(1 vote) - ***How Long Will My Portfolio Last? - by Submitted on Oct 09, 2009 from Bill LoseyQuestion: If one has a properly diversified investment portfolio, what percentage do you feel is safe to plan on withdrawing annually so that my account value never decreases? Susan, New Jersey Answer: Susan, as long as you limit your withdrawals to the amount of interest, dividends and ...
Views: 1690(2 votes) - Low Cost Retirement in Mind? "Step Away From the Coasts"! - by Submitted on Mar 05, 2009 from John BradyLow Cost Retirement in Mind? "Step Away From the Coasts"! Most of the experts think that our economic mess could continue for the next few years. If you have just retired and are trying to figure out how to adjust to life with a smaller portfolio, this article might help with some perspective. ...
Views: 1682 - Fishing in the Riviera Maya, Mexico - by Submitted on Nov 19, 2015 from Kat HartAre you looking to escape from your everyday routine? Do you want to spend some time in a tropical heavenly getaway? Look no further – we’ve found the perfect spot. Karisma Hotels and Resorts has a number of amazing locations right along the Riviera Maya coastline. These hotels are absolutely ...
Views: 1678 - How to Plan for Retirement if You’re a Freelancer and Why You Need to Start Planning Right Now - by Submitted on Dec 11, 2017 from Rachel MinahanDo you cringe when you hear the word retirement? What does retirement even mean for creatives? Probably not what you think. Retirement doesn’t mean you stop working. Retirement doesn’t mean you do nothing. If you think retirement doesn’t apply to you, you don’t truly understand it. At least ...
Views: 1672 - The Advantages Of Buying With Owner Financing - by Submitted on Oct 17, 2008 from Thomas NoonanAlso known as seller financing, owner financing is growing in popularity in today’s economy. With the credit markets slowing down and people finding it harder and harder to borrow, owner financing is looking better and better as an alternative to traditional financing. Owner financing is ...
Views: 1672 - Are You Ready To Take Control of YOUR Financial Future? - by Submitted on Aug 10, 2009 from Lisa Moren BrommaDo you think is it too soon to begin planning for the tax changes in 2010 or think about how it will impact your retirement account? Absolutely not. “Now is the time to start to plan to take advantage of future tax-free funds”, says Hubert Bromma, CEO of the Entrust Group, the nation’s ...
Views: 1671(1 vote) - Retirement living In Ontario-Choice Of Many Baby Boomers - by Submitted on Dec 31, 1969 from larne btulaThe rising number of elderly will likely have a great impact on the increasing number of the facilities of retirement living in Ontario. As a plethora of people near retirement age, they will likely alter the definition of what it means to be retired. Most of the senior citizens today are ...
Views: 1670(1 vote) - Top 3 Ways To Get Enhanced Annuity Quotes - by Submitted on Jul 21, 2011 from scott artichokeAnnuities are financial products which you buy when you reach retirement. You need to buy an annuity because it is your life income, the income you receive instead of working. For some retirees, it is a stressful and worrying time as it is a major decision which is irreversible and very ...
Views: 1669 - How Long Will It Take To Double Your Money? - by Submitted on Oct 25, 2007 from Bill LoseyQuestion: I just inherited $50,000. If I put it in a bank CD, how many years will it take before it’s worth $100,000? Answer: 14.4 years – assuming your interest rate is 5%. In the financial planning world there is something called the “Rule of 72”. It’s a very simple way to compute and ...
Views: 1665 - Retirement Planner – Don’t Plan Your Retirement Until Your Read This First! - by Submitted on Dec 01, 2010 from Keelan CunninghamNo one disagrees that retirement planning is a good thing yet many people fail to take time to plan. If there is a retirement plan in place, it has often been left till the last minute, maybe even just a few years before retirement. This article offers an outlook on retirement planning that may ...
Views: 1663(1 vote) - ***Questioning Work & Retirement - by Submitted on Nov 12, 2009 from Bill LoseyQuestion: I’m 55 and not really happy with my job any more. I’d like to retire but I’m not sure I have enough money. What should I do? Liz, New York Answer: Liz, realize that you’re not alone. Many baby boomers are tired and burnt, and no longer want to wake up to their alarm clock come ...
Views: 1661(25 votes) - What's on your Bucket List? - by Submitted on Mar 04, 2010 from Ann HarrisonDid you see the recent film, 'The Bucket List', starring Morgan Freeman and Jack Nicholson? It's about two men who meet in a hospital cancer ward after each has been given only six months to live. The 'bucket list' of the title refers to a list that one of the men has been advised to compile ...
Views: 1646 - Single’s Guide to Planning for Long Term Care Today - by Submitted on Mar 09, 2017 from Samantha SteinWhen it comes to long term care planning, people often assume that married couples have it easier because they have each to turn to for support. When the situation gets tough, it surely helps to have another person present. On top of that, married couples can look to each other to act as ...
Views: 1644 - *** 5 Retirement Investing Tips - by Submitted on Dec 09, 2009 from Bill LoseyEach time we have a bad market, the media pundits starts saying “it’s different this time” and we all buy into it. The reality is they’re partly right because the circumstances surrounding each drop are rarely the same. However, I attended a conference and was shown how in each of the last 12 ...
Views: 1643 - *** Coping with the Prospect of Inflation in Retirement - by Submitted on Jul 02, 2009 from Karyn MaierQuestion: I’ve been thinking about retiring for a few years now but I’m really concerned about how expensive everything is. I’m still working and wondering if I’ll ever have enough to retire. How do you help people cope with high inflation? Phillip, CT Answer: I help my private clients ...
Views: 1627(17 votes) - 3 Money-Saving Tax Tips Everyone Should Know - by Submitted on Oct 09, 2012 from Brad SmithTax errors can cost you a lot of money (plus substantive delays) in getting a tax refund. While you're not expected to be a tax expert, there are some easy strategies you can use to save money on your taxes. Then you can use that extra money for fun, or roll it directly into your retirement ...
Views: 1624 - Reverse Mortgage Defaults: Do These Loans Carry a Higher Risk? - by Submitted on Apr 22, 2012 from Brittney ParksAccording to statistics compiled by the National Reverse Mortgage Lenders Association, between 10,000 and 15,000 Home Equity Conversion Mortgages (HECMs) are currently in technical default. Some lenders have even foreclosed on seniors who could not arrange a payment plan or otherwise get their ...
Views: 1622(2 votes) - Retirement Jobs: How is Your Entrepreneurial Spirit? - by Submitted on Jul 23, 2009 from Kim Kirmmse TothAlways the feisty ones, you boomers aren’t going to let the economy slow you down! If you have retired already or have been laid off you may have a desire to get back into the employment seen. Well, hate to tell you this, but that may be easier said than done. So what? You’re resilient and ...
Views: 1618(3 votes) - Why Estate Plans Fail - by Submitted on Jan 17, 2013 from Robert WellingAmbrose Bierce, American writer and editor, once said, “Death is not the end. There remains the litigation over the estate.” Many estates have been torn asunder during probate. To avoid this possibility, many people go to the trouble of estate planning. They want to know that their assets will ...
Views: 1617 - Are Reverse Mortgages Safe? - by Submitted on Feb 28, 2012 from Chris BeardThe first reverse mortgage was offered by Deering Savings & Loan of Maine in 1961 to a woman named Nellie Young the wife of the loan officer’s deceased football coach. Reverse Mortgages gained widespread recognition in 1988 when HUD administered and FHA Federal Housing Authority with the ...
Views: 1605 - Washington’s Top 5 Money Missteps: Are You Guilty? - by Submitted on Dec 13, 2016 from Barry GlassmanFinancial implosions make headlines. It’s also news when rich and famous people like Jack Kent Cooke make huge, public estate planning mistakes. Yet the average person is just as prone to making painful financial errors time and time again, even if their mistakes never go viral on social media. ...
Views: 1604 - Take Control of Your Retirement Assets and Your Future - by Submitted on Aug 17, 2009 from Sherry CampbellNow is the Time to Invest in Real Estate with your Self-Directed IRA Are you “in the know” about this extremely valuable investment tool – the self-directed IRA? Statistics show that there are approximately $4.2 trillion dollars in IRA’s in this country and fewer than 4% are self-directed ...
Views: 1600(2 votes) - The Baby Boomers Retirement: A New Definition for an Old Word - by Submitted on Jun 22, 2009 from Cathy SeversonWhat are your retirement goals and dreams? The baby boomers retirement will be different from former generations. It still to be determined whether it will better or worse. Do you want to have a happy retirement? Of course, you do. Do you want to have a retirement different from your ...
Views: 1596(1 vote) - Be Honest. How Much Money Will You Have to Retire On When You Stop Working? - by Submitted on May 22, 2015 from Kim Kirmmse TothI wonder how many of you even know. I'll bet a lot of you don't know. Or you kind of know but not really. It's vitally important for you to know. For some of you, if you have a more 'elaborate' retirement planned (lots of travel etc) you will need more than someone who has very simple ...
Views: 1595 - 7 'MUST KNOW' ESTATE PLANNING QUESTIONS TO ENSURE YOUR FAMILY IS PROTECTED - by Submitted on Nov 04, 2015 from Wendy Montes de ocaA good estate plan can be costly, but it’s a bargain when you consider the benefits. Estate planning is something you should think about, but most important, after a major life change such as widowed, remarriage or divorce. Not having a good plan in place could be a financial ...
Views: 1594 - Retired Seniors: Welcome to the Third Age! - by Submitted on Apr 27, 2009 from Cathy SeversonThird Age is your newest frontier. It’s the new and unique opportunity for people of your generation that the “30 year bonus” of our extended life expectancy makes possible. In 1900, the average lifespan for a man in the United States was forty-seven years old. By 2000, the lifespan had been ...
Views: 1588 - ***What's The Best Way To Invest For Retirement? - by Submitted on Jun 15, 2009 from Bill LoseyIf you talk with 10 different advisors, they’ll all have their own opinion as to what the best way to invest for retirement is. Some prefer actively managed investments. Some prefer passively managed investments. Some like to trade daily while other advisors like me prefer a combination of ...
Views: 1585 - Need Answers Fast? Use a Reverse Mortgage Calculator to Answer Basic Questions - by Submitted on Apr 21, 2012 from Abby ReynoldsWhile some seniors plan on using a reverse mortgage as a retirement tool, many others are still on the fence. By now, many consumers know that reverse mortgages are loans that allow seniors over 62 years of age to convert a portion of their home equity into cash. Many consumers also know that ...
Views: 1584(1 vote) - Do You Need a Retirement Detox? - by Submitted on Mar 04, 2010 from Ann HarrisonAre you struggling with retirement? It's not uncommon. Once the 'honeymoon' period is over and disenchantment starts to set in, up to 1 in 5 people can feel that their life is in the doldrums, they're not getting the retirement they deserve and that, if this is all they have to look forward to, ...
Views: 1579 - ***My 401k Match Got Suspended! - by Submitted on Sep 29, 2009 from Bill LoseyQuestion: My company recently sent out a memo saying they were going to suspend their matching 401k contributions for the rest of 2009 and maybe 2010 as well. This could dramatically affect my ability to retire. Are they allowed to do this? Christine, New York, NY Answer: Christine, each ...
Views: 1578(3 votes) - Retirement Planning for the Psyche - by Submitted on Jun 17, 2013 from Michael BroderMany times throughout the years, I have observed anecdotally that people have a higher risk of mortality shortly after retirement. And there’s even some empirical evidence of this. For example, in a study of past employees of Shell Oil, the mortality rate was significantly higher for subjects ...
Views: 1577 - The Secret Graph Your Financial Advisor Isn't Showing You - by Submitted on Dec 13, 2016 from Barry GlassmanAs the old saying goes, a picture is worth a thousand words. But that actually might depend on the picture. For instance, if you were to take a snapshot of your financial portfolio, what would it look like? Most financial advisors provide their clients with a pie chart, which assigns a color ...
Views: 1576 - How to Turn Your Passion into a Successful Retirement Business - by Submitted on Oct 05, 2017 from Grant PolachekMost retirees have many productive and active years to look forward to. It's no wonder more and more are becoming so-called “oldtrepreneurs”. Here, we explain how you can capitalize on your interests or hobbies by starting a passion business in retirement. Whatever it is you love to do – be ...
Views: 1575(1 vote) - Women and Retirement – Does Your Husband's Decision to Retire Early Complicate Your Retirement Planning? - by Submitted on Apr 24, 2018 from Liz FrizzyRetirement planning can be more complex for women for various reasons. Women live longer, take time away from work to care for their parents or children, and are often paid less than their male counterparts. To compound matters further, many married men are deciding to retire much earlier ...
Views: 1574 - Why You Shouldn't Retire - by Submitted on Mar 04, 2011 from Tim ReynoldsA year ago, I had a patient come into my urgent care clinic. He was excited to tell me he was finally going to retire. For over 40 years he had run a successful business in our community. He and his wife had looked forward to the day he could retire. They had been putting money away in their ...
Views: 1572(1 vote) - 4 Things which are Sometimes Forgotten about When Planning Your Wedding - by Submitted on Jan 12, 2011 from Ashish KulkarniYou will find so many things that go into planning a wedding that occasionally the little things are forgotten, but these things are not small by any indicates! But then, planning is half the enjoyment where weddings are concerned. Based on our experience as Glasgow's leading Wedding Car Hire ...
Views: 1570 - Retirement Investment: Investing in Energy and Creativity - by Submitted on Apr 22, 2009 from Hyacinth Gooden-BaileyInvesting in your retirement we usually talk about money, but well in advance and more importantly we need to invest some time to plan ahead, to give yourself a second chance to figure out what you should really be doing with your life. Pre-retirement is a good time to invest in useful guidance, ...
Views: 1569(2 votes) - Metal Detecting A Great Solution For An After Retirement Hobby - by Submitted on Nov 20, 2011 from Mariecar CervanciaFor elderly people and retirees looking for new adventure, beginning a unique pastime and picking up a new tool like a metal detector can be a pretty invigorating knowledge. Taking up metal detecting after retiring may be a great idea in fact. Retired persons have a variety of knowledge to ...
Views: 1565 - The State of Retirement Readiness In America Today - by Submitted on Jul 21, 2014 from Brad Cooperwww.bradcooperpresents.com When it comes to Retirement Readiness, we are facing a crisis of epic proportion. Many Americans have no idea how far Behind The Retirement Planning 8 Ball they really are. Whether you are retired or very close to it, whether you've accumulated a couple hundred ...
Views: 1565 - 10 Questions (and Answers) for a Retirement Specialist - by Submitted on Mar 13, 2017 from Adora CollinsDogwood Forest Assisted Living interviewed elder law lawyer Miles Hurley and found out the answers to these 10 most pressing retirement planning questions: 1. What legal documents are most important for seniors? Which ones are often overlooked? 2. What is the difference between a will and ...
Views: 1561 - 5 Ways to Protect Your Business So You Can Sleep at Night - by Submitted on Nov 21, 2012 from Brad SmithAccidents happen when we least expect it. And while you can't always plan ahead for everything, there are certain steps you can take to minimize potential risks and keep yourself, your family, and your assets safe. Getting the basics covered, like homeowners and auto insurance is a good ...
Views: 1560 - Borrowing Or Withdrawing Money From Your 401(k) Plan - by Submitted on Mar 13, 2011 from Yulian IsakovEmployer-sponsored 401(k) plans may have various loan provisions allowing participants to take loans against their retirement savings or take withdrawals in times of hardship. But before you consider borrowing money from your 401(k) plan, you will need to understand how your loans and ...
Views: 1559(1 vote) - How Much Employment For Senior Citizens Is Available? - by Submitted on Jan 25, 2010 from Raymond AngusWhere is all the employment for senior citizens? How can it be identified and applied for. Is it only available locally, or are the employment openings for seniors national? Are your carefully laid plans for a pleasant tour, although perhaps not royal, through your golden years seem to be ...
Views: 1559(1 vote) - ***Retirement & Your Asset Allocation - by Submitted on Nov 23, 2009 from Bill LoseyQuestion: I’m getting closer to retiring and everything I read says I should get more defensive in my portfolio. Does this make sense for me? Answer: It depends. How is your portfolio allocated now? Do you own mostly stocks or do you have a lot of money in bonds and CDs? What’s your ...
Views: 1557(4 votes) - Tax Planning: The Best Investment To Make Before the End of the Year - by Submitted on Dec 13, 2016 from Barry GlassmanOne of the best financial investments you can make before the end of the year is to spend a little bit of time and money to meet with your accountant and start planning your taxes. Don’t wait until March when your CPA is slammed with number-crunching and tax preparation. And, it’s about time ...
Views: 1553 - *** The Phased Retirement Alternative - by Submitted on Jul 27, 2009 from Bill LoseyQuestion: I’m turning 60 next year. While I don’t want to continue working full-time anymore, I don’t have the desire (or nest egg) to retire completely. What do you suggest? Doris, PA Answer: Doris, how about a phased retirement? Instead of working 40 hours per week, talk with your ...
Views: 1550(22 votes) - Women and Retirement: Creative Couponing - by Submitted on Jan 26, 2011 from Judy JuricekYou have probably seen the stories on the news (especially the morning talk shows) about people who save hundreds of dollars on every shop by using coupons. You may say “that could never be me; I don’t have time to clip and organize coupons!” Believe it or not, couponing is really not ...
Views: 1544(2 votes) - Financial Fears in Retirement - by Submitted on Mar 23, 2009 from Cathy SeversonWill I have enough money to last the rest of my life? The number one fear facing retirees is whether they are going to have enough money in retirement. Ironically, that fear exists regardless of one’s actual worth. In fact, people who report assets of $10 million are more concerned about ...
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