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Retirement and Retirement Planning Articles
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- Does Retirement Only Come at 65? - by Submitted on Jul 15, 2009 from Debbie RustonWhy is it people believe they have to work until they are 65 before they can enter retirement? Why is it people have bought into this idea and wait sixty five years before they get out and live and do what they really want to do? Why do people think they can't retire young? Why do people think ...
Views: 1540(1 vote) - Earning After Retirement - Ways to Supplement Your Income - by Submitted on Jul 22, 2013 from Bart Rutherford“Life is too short to be small.” Benjamin Disraeli You've retired or are just on the verge. That's great. You worked hard for many years and you certainly deserve big congratulations and job well done! The Next Stage You're about to enter a whole new stage of your life - one that ...
Views: 1540 - How Does a Reverse Mortgage Work, and Can I Qualify? - by Submitted on Feb 28, 2012 from Chris BeardThere are a few requirements that need to be met, when someone is thinking about a reverse mortgage. This type of financial arrangement can help a senior come up with some extra monthly income. If you are wondering what the requirements are for the process, then you may want to find out how to ...
Views: 1540 - Don't Let The Pounds Creep Up On You! - by Submitted on Mar 04, 2010 from Ann HarrisonI always suggest to my retirement coaching clients and course attendees that, once their retirement begins, they don't leave it too long before implementing some form of exercise routine. And, if they already have the 'exercise habit', I suggest that they may need to consider increasing the ...
Views: 1537 - ***Saving for Retirement on a Budget - by Submitted on Jul 24, 2009 from Bill LoseyQuestion: As a self-employed empty nester, what advice can you give to starting our retirement nest egg at this late date? My husband and I are both in our early 50’s. We would like something simple that we can contribute small ($50) amounts to at a time. Joy, PA Answer: Joy, I did some ...
Views: 1534(2 votes) - Boomer Women: Are You Rethinking Your Retirement Date? - by Submitted on Oct 30, 2009 from Kim Kirmmse TothIf so, you are certainly not alone. Also, women are more apt to extend this date then men. Women earning $75,000.00 or more have a six out of ten chance of delaying retirement. Those are high numbers and now there is even a term for this. If you are one of the six, you are part of the ...
Views: 1532(2 votes) - Retirement Planning - The Cost of Waiting - by Submitted on Mar 29, 2009 from Glenn Ferguson"The way to get started is to stop talking and start doing."- Walt Disney The Time for planning for your future is now but in today’s fast paced, hectic world many people put off important decisions until another day. The excuses, “I don’t have time to plan”, “I can’t afford to invest”, and “I ...
Views: 1532(2 votes) - 99 Questions - A Boomer's Primer For Surviving Transition - by Submitted on Jun 03, 2008 from Marilyn BrunoThe word “crisis” suggests considerable pain and suffering. We all wince at the memory of the crises in our lives: having to choose which college to go to or career to start after High School, getting married, having a child, changing jobs, moving, divorcing, etc. In fact, the word “crisis” ...
Views: 1527 - Retirement Investment Advice: They don't call them "BROKErs" for nothing - by Submitted on Aug 31, 2010 from Roger ElyIf you don't want to be "broker", fire your Broker! Sound a little rash? Think about it. Did you lose a big chunk of your retirement savings back in 2000-2003? Most lost 40-60%. Did you lose again in 2008? Many lost 20-40% or more! Now ask yourself this question, "Did you ever get back to ...
Views: 1524(3 votes) - Saving for Retirement is A Lot Like Golf - by Submitted on Feb 13, 2011 from Teddy DanfieldI really enjoy playing golf and the other day I realized saving for retirement is a lot like golf. Let me explain my thinking. Golf takes time and dedication. You can’t go play golf once and decide you know everything. Golf is very complicated and takes time to see the fruits of your ...
Views: 1519(1 vote) - 3 Steps to Prepare, Protect and Prosper Your IRA in 2009 - by Submitted on Jan 20, 2009 from Lisa Moren BrommaDon’t let the panic of Wall Street and the uncertainty of the economy stop you from saving and investing with your IRA or 401(k). Like real estate, which is expected to show some signs of rebounding toward year end, the market will eventually rise. Yes, it may be awhile and no one has a crystal ...
Views: 1517 - 401k Plan Mistakes: Top 4 Common Mistakes to Avoid - by Submitted on Dec 22, 2011 from Teddy DanfieldSince the advent of 401k plans in 1981 making mistakes in 401k plans have become commonplace. Let's take a look at four common mistakes we can avoid. #1 Chasing Returns Chasing returns is as common as trying to keep up with the Jones’. Chasing returns means looking at your yearend ...
Views: 1517(4 votes) - Are You Fearful of Your Finances in Your Retirement Years? - by Submitted on Aug 22, 2014 from Kim Kirmmse TothSadly, most women will answer 'yes'. That said, you have more control over your financial situation than you probably think. And if you don't think you have any control then it's time to be proactive and take some action. This is your life. This is your future. I know how easy it is to be ...
Views: 1515 - 7 Retirement Benefits From An Attitude Adjustment About Retirement - by Submitted on Feb 11, 2008 from Carmen PaynterMany older adults often carry a deeply ingrained belief that inactive, sedentary lives are an inevitable part of aging. Boomers need to know this mindset is wrong and it can be changed, resulting in a positive physical and mental health change. The baby boomer generation can benefit from many ...
Views: 1514 - Can I Be as Successful as Warren Buffett? - by Submitted on Jun 04, 2014 from Julia ValentineThe world has been fascinated with Warren Buffett, and rightfully so. Berkshire Hathaway has a better performance than any other stock or mutual fund with at least a 30-year history. A dollar invested in Berkshire in 1976 would have been worth $1500 in 2011. A recent paper by Andrea ...
Views: 1514 - How to Get the Most out of Your Retirement Planning - by Submitted on Oct 25, 2018 from Brooke ChaplanRetirement planning should begin as soon as possible, and it requires regular effort throughout your working years for the best results. Preparing a budget for this period of your life is an essential step if you want to avoid unnecessary financial hardship. However, it can be challenging to ...
Views: 1513 - Reasons For Having An IRA or 401k - by Submitted on Aug 02, 2012 from Randy RodenhouseDid you know that the Social Security Administration’s trustee report stated that Social Security will begin to run a negative cash flow by the year 2017 and by the year 2036 will not be able to pay full benefits? With the impending Social Security crisis and dramatic reduction in pensions, it ...
Views: 1500 - Denied Social Security Disability Benefits? Don't Give Up! - by Submitted on Jun 21, 2017 from Dixie SomersSocial Security Disability benefits are available to individuals who find themselves disabled and unable to continue to be gainfully employed. This does not have to be a permanent injury—you can have an injury that leaves you disabled for a year or two, but if you are able to overcome the injury ...
Views: 1496 - Retirement Restructure: 4 Changes Every New Retiree Should Make - by Submitted on Nov 07, 2017 from Meghan BelnapYou may have planned for and eagerly anticipated your retirement years, but until retirement becomes a reality, you probably don’t realize just how much of a lifestyle change you’re going to experience. The way in which you adjust to the changes retirement brings can directly impact how happy ...
Views: 1496 - Golden Years: 5 Financial Affairs to Organize before Retirement - by Submitted on May 04, 2017 from Dixie SomersRetiring is one of the most significant financial moves you can make. To retire successfully, you generally need your financial house in excellent order. However, with so many different moving parts relevant to your finances, it is easy to overlook a few important aspects. In the months and ...
Views: 1493 - ***4 Pre-Retirement Requirements For Investing Your Money - by Submitted on Nov 02, 2009 from Bill LoseyQuestion: What are some things I should keep in mind if I want to reach the goal of retirement within three years? Thanks in advance for your response. Lorri, MA Answer: Lorri, whether your goal is retirement in 3 years, a new car in 5 years, or college education in eighteen years, in order ...
Views: 1492(1 vote) - ***Understanding Annuities - by Submitted on Jun 01, 2009 from Bill LoseyQuestion: I’m trying to decide if an annuity is right for me but I’m confused by all the different types. Can you explain the differences? Geraldine, NJ Answer: Sure Geraldine. An annuity is a contract between you and an insurance company. Your money grows tax-deferred inside an annuity ...
Views: 1492 - Life Insurance Plans Are Equally Important for Seniors - by Submitted on Oct 30, 2018 from Anil KumarSummary – Tragedies can happen anytime and life insurance is greatly helping people to be prepared for the same. Let’s get to know why the seniors need to have a customized plan as their specific requirements. The uncertainty of life makes it more unpredictable and one can never be sure ...
Views: 1491(1 vote) - Retiring Age: Managing the "B" Word - by Submitted on Apr 27, 2009 from Cathy SeversonAt some point in the first few weeks or months ob being retired, you may mutter the words, “I’m bored.” The first inclination is to rush out and do something, anything to avoid the feeling of not being needed, of not having a place to go or something that calls for you to do. The transition ...
Views: 1491 - Guaranteed Social Security Benefits: Make It So - by Submitted on Jun 19, 2008 from Steve SelengutThe comically complicated PSA (Personal Savings Account) legislation bouncing around Congress will raise taxes, increase investment risk, and expand the size of government. Let's stop applying Band-Aids to spouting arteries. We are looking for a guaranteed retirement benefit program, and ...
Views: 1488(1 vote) - Top 7 Secrets to a Successful Retirement - by Submitted on Oct 22, 2012 from Stefanie JeanneThe word “success” may be relative, especially in the context of retirement. There is no single, easy answer as to what would make you feel successful upon hitting the finish line of a life-long career. When you look back at the life you lived, can you say, “That was good”? But while a ...
Views: 1488 - Paying For Senior HealthCare Today, What Are Your Options? - by Submitted on Feb 29, 2012 from Chris BeardAccording to a 2010 survey completed by MetLife Market found that the chief concern was about having enough steady income and reserves to cover expenses at retirement and the cost of senior health care, as reported by 32% of respondents surveyed. This is regardless of whether they plan to retire ...
Views: 1487 - *** Are the Markets & My 401(k) Heading for Another Freefall? - by Submitted on Jul 15, 2009 from Bill LoseyDear Bill: I’m 60 years old, divorced, and was forced into early retirement two weeks ago. My 401(k) is still down 25% from its all-time high and I’m real nervous. Now that I don’t have a paycheck and since I won’t become eligible for Social Security for two more years, I have to live on ...
Views: 1486(2 votes) - How to get ready for retirement - by Submitted on Feb 05, 2016 from Kevin RobertsonA number of studies – including one by Dhaval Dave, an associate professor of economics at Bentley University– have proven that a sedentary retirement can have adverse effects on your health. The study found that those who retire completely see a five percent to 16 per cent increase in ...
Views: 1479 - The 12 Secrets of Estate Planning - by Submitted on May 05, 2013 from Kris MillerThe Best Estate Planning Tip: Don’t put it off. The best estate planning tip is to have one. Take the time now while you are clear and competent to consider the elements of your overall plan for the management of your assets and your care in the event of misfortune to avoid having a court or the ...
Views: 1478(1 vote) - The Fiduciary Rule and Why Donald Trump May Change How You Receive Retirement Advice - by Submitted on Feb 10, 2017 from Barry GlassmanLast year, the Department of Labor issued a mandate stating that all financial professionals who work with retirement plans or give retirement planning advice must begin acting as a “fiduciary” starting April 2017. Recently the fiduciary rule has made headlines yet again, this time due to ...
Views: 1478 - 5 Suggestions for Finding the Perfect Place to Retire - by Submitted on May 22, 2018 from Dixie SomersIt can be incredibly fun to think about where you want to retire in your later years. You might be looking forward to living closer to family or to moving to a warm climate. A subdivision near a golf course could be calling your name, or a cabin in the foothills of the Smokies may be waiting for ...
Views: 1476 - A 401k for Your Employees? - by Submitted on Jun 04, 2012 from Justin KraneThis July, 401k participants will receive more disclosures about the fees they are paying inside their 401k plans. The Department of Labor wants more transparency and more disclosure on what kind of fees employees are paying inside their 401ks. Why? Because many employees have no idea how ...
Views: 1475 - Retired - Live Your Passion Through A Personal Franchise - by Submitted on Jun 23, 2008 from Andrew Van ValerWith today's technology and the Internet, there are almost endless home business opportunities for retirees and other people over age 50 to take advantage of. If you own a computer, and have broadband access to the Internet, you can start a variety of businesses from home and enjoy the income ...
Views: 1473 - ***5 Rules to Saving For Retirement - by Submitted on Oct 09, 2009 from Bill LoseyThe Automatic Rule Start saving money today. Even if it’s only a buck or two each pay period, savings is a habit you must start and stick with for the rest of your life. To improve your chance of savings success, automate the process. Have money withdrawn automatically from your paycheck or ...
Views: 1472(1 vote) - Sailing Tobago - by Submitted on Jan 28, 2011 from Clive PetersonThe Lat Long co-ordinates for Scarborough the main port in Tobago is 11 degrees 12 Minutes North and 60 degrees 44 minutes West. There are two main ports of entry into Tobago, Scarborough to the south side of the Island and Charlotteville north-east of the Island. Tobago is a very pretty ...
Views: 1471 - Ready to Retire? Top 5 Places to Consider Settling Down - by Submitted on Jan 27, 2017 from Hannah WhittenlyRetirement can be one of the most exciting and fulfilling periods in your life. To ensure that it is, you need to live in a region that is conducive to your physical, mental, and spiritual well-being. Below, you will find five great places that can empower you to attain the type of amazing ...
Views: 1467 - How to Save Money When You Book a Cruise - by Submitted on May 15, 2011 from Shirley LindeWant to book a cruise? Before you get out your credit card, check these tricks of the trade for a cruise deal. BOOK EARLY Booking three to six months in advance will often save you money, and also give the best choice of cabins. The earlier you book, the bigger the discount. PAY EARLY ...
Views: 1460 - Senior Citizens Now Have Numerous Reasons to Smile; Financially - by Submitted on Sep 05, 2011 from Michael KartelLike each one of us, aged people also have their share of banking and financing needs. Hassel free and convenient banking is all we want and senior citizens are no exception. Their financial needs differ from the other age groups and thus they need dedicated banking solutions. Senior citizen ...
Views: 1459 - Don’t Let Your Retirement Nest Egg Fall into the Great Abyss - by Submitted on Mar 03, 2013 from Kris MillerIn today’s economy, many people are still losing 40 to 60 percent of their 401Ks and IRAs due to the market’s volatility. As a result, older Americans are delaying retirement, or they’re struggling to make ends meet in what was supposed to be their “golden years.” For the millions of retirees ...
Views: 1455 - One Simple Tip that Can Change Your Life Forever - by Submitted on Mar 04, 2011 from Tim ReynoldsI took care of a man in my clinic the other day who had retired a few months before. He had worked hard all his life; he was honest, hardworking and raised children that were fairly successful. He was in my clinic because he was depressed. He was depressed because he felt like he no longer had a ...
Views: 1443 - Get the best pension advice and know about pension plans - by Submitted on Jun 11, 2012 from Fadhrick PickasoPensions are usually comparable to investing cash for yourself to expend when the right time comes when you no longer work. When the annuity matures, married couples or individuals will be capable of enjoying what they set aside dearly. Beginning a marital life requires taking a lot of essential ...
Views: 1441 - Home Inventory – Essential For Financial And Estate Planning - by Submitted on Feb 13, 2011 from Cindy HartmanYou’ve worked hard for decades, making sound investment decisions to ensure your future is just as you planned. You’re making sure there is enough money for the kids’ college and also for you to enjoy your retirement years. Then imagine that a disaster occurs (fire, burglary, tornado, hurricane ...
Views: 1441 - 3 Reasons Why a Roth IRA Will Help You Retire Sooner - by Submitted on Feb 08, 2011 from Teddy DanfieldToday let’s take a look at how the Roth IRA can help you retire sooner. Here are three reasons why the Roth IRA is a great way to help you retire sooner rather than later. #1 Money grows tax-free and is taken out tax-free Tax-free growth and tax-free withdrawals makes it one of the best, ...
Views: 1440 - Busting The Top Ten Retirement Myths -- Part 2 - by Submitted on Apr 29, 2008 from Cynthia BarnettThere are many myths abroad about retirement, and many people who continue to believe them are being held back from fully enjoying the second phase of their lives. To help you avoid holding on to these detrimental myths, I’d like to offer my take on five more of the most widely held ...
Views: 1438 - The Gift Of A Year - by Submitted on Mar 04, 2010 from Ann HarrisonI recently read 'The Gift of a Year' by Mira Kirshenbaum. Its subtitle is: 'How to achieve the most meaningful, satisfying and pleasurable year of your life'. It was written to urge and inspire women to take their dreams off the back burner and make them a vital part of their lives by giving ...
Views: 1438 - Retirement Life: Myth vs. Reality - by Submitted on Apr 27, 2009 from Cathy SeversonAs boomers become retirees, they face a new retirement life. What is happiness based on? As you understand what makes you happy, you can create a more rewarding new senior life. Every year, thousands of people retire, leaving the workforce, looking forward to a well-deserved life of leisure ...
Views: 1437(1 vote) - How To Build Wealth By Stopping Procrastination - by Submitted on Apr 15, 2011 from Christa BlairIn 2010, 43% of the workforce have no more than $10,000 in retirement savings. People are claiming to have valid arguments for not having a sufficient amount of retirement savings. There are some who are saying they are still eliminating personal financial debt with high interest rates; others ...
Views: 1430(1 vote) - Are You Prepared for Your Retirement? Most of You Aren't - by Submitted on Apr 28, 2013 from Kim Kirmmse TothI read a lot about the lives of women after 50. Being one myself and even though I am a business coach, clearly there are other things going on for us. One of them is our retirement. It's frightening out there and most women do not feel confident. How are you going to support yourself in your ...
Views: 1419 - The Secrets That No One is Telling You About Retirement - by Submitted on Jul 15, 2009 from Glenn FergusonWhile you are racing toward the inevitable here is a little secret about retirement that no one is telling you about. No, they don't mean to keep it a secret the fact is most persons don't really know. So here is what you should know about retirement that no one is telling- Retirement Ain't What ...
Views: 1419(3 votes)