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Much like niche restaurants that come and go, niche investments come into and out of favor, as well. Just as everyone had to be the first to try out that new donut or cupcake shop on the corner, the new craze to hit the investment world is the narrowly-focused exchange-traded fund.
ETFs ... Views: 1736
What does planning for your summer vacation and planning for your retirement have to do with each other?
I can just hear some of you saying “they have nothing to do with each other” and others saying “they have a LOT to do with each other.”
What do you think?
I have been working and ... Views: 1731
There is currently a pension’s crisis in many parts of the world, with those close to retirement facing the prospect of having to stay at work or retire with a less than adequate pension income. The fact is that pension deficits are growing and surpluses are shrinking.
The other problem is ... Views: 1727
Seniors living on a fixed income may find it difficult to deal with finances. And with the rising costs of food and other expenses, achieving financial stability may seem to be a far-fetched dream.
If you are a senior person living on a fixed income, you can't go on living waiting for your ... Views: 1727
Are you about to retire soon and thinking about your future? Are you thinking of where to invest in? I would like to share with you the benefits of gold IRA investments. These are in my opinion a better option if you have the money to chip in and get some. I would rather you get them than a ... Views: 1718
Are you a senior citizen seeking employment for retirees? Have your medical benefits been reduced significantly? Has your hard earned pension suffered a hit by your former employer?
Has the threat on Social Security and its future solvency caused you some sleepless nights? Whatever the ... Views: 1692
Ok, I know what you're thinking, "What do Dragons have to do with investing?" Well I just got back from the Dragon boat race in Oriental, NC (appropriately name) and I have dragons on the brain! I ran across a quote from J.R.R. Tolkein (Author of the Hobbit & Lord of the Rings Trilogy) "It ... Views: 1692
For centuries, gold has always been viewed as a symbol of power and of wealth. You would find them in kings’ palaces and in the house of the wealthy. Surely it would behoove you to know how to invest in gold. Here is what I have to say about that.
Why invest in gold? Besides what I mentioned ... Views: 1682
What should you do with your old 401k retirement plan if you change jobs? Uncertainty and inaccurate advice can cause anxiety and catastrophic financial consequences.
As you may know, a 401k or other defined contribution plan is an excellent retirement savings vehicle. You can accumulate a ... Views: 1679
Do you know what that 1 mistake might be? Can you guess?
Let me just say that it’s not as difficult as you might think.
This mistake can be avoided if you just pay attention. Now I know that doesn’t sound as though that should be very difficult but you would be surprised! As a woman born ... Views: 1674
A common question that many people who are planning their personal finance is “how to invest in gold”. There are a lot of doubts and queries as to how to do so in a safe manner. In this article I will discuss that and hopefully clarify some of your doubts.
However before I go there, I would ... Views: 1668
People have always been interested in being “forever young” and today’s society is no different. We want to resist the ageing process.
The speed at which we are ageing can be measured – its called biological age, or how old your body really is.
The area of study which is now called ... Views: 1651
Everyone who owns property or financial assets of any kind should have an estate plan for the future. Thinking of when the day comes that we are no longer around to manage our business affairs, it is good to know that everything is in order for loved ones who remain. However, preparing an estate ... Views: 1641
The Sandwich Generation:
Who are they and where did they come from?
The sandwich generation is that generation who's parents are needing help as they are living longer than expected; Combined with children that are failing to launch. The sandwich generation has evolved as the result of the ... Views: 1629
Asset Protection is everyone’s desire, but adults share a characteristic - that they may be sued at anytime, for any reason, whether founded or not.
Civil actions range from the serious to the frivolous. Did you offend someone today with something you said? Did you cause someone to suffer ... Views: 1626
After a promising start in the first quarter of 2012, capital markets became increasingly volatile in the second quarter, as Europe's debt crisis escalated once again and weaker global economic activity caused investors to take a more cautious tone.
In the Eurozone, Greece and Spain were ... Views: 1610
What if there was an easy way to implement a whole new approach to retirement funding, pension planning, and Social Security? Would the politicians be interested? Let's find out.
What if the new plan actually reduced payroll taxes, cut prices, created jobs, increased salaries, raised ... Views: 1601
Last week we discussed why retiring is not something people should do. Instead of making plans for retirement, it is better to plan for a long life of happiness. An easy way to do this is to ask, "How would I have to live my life so that I would never need to retire - so I can live life to the ... Views: 1599
When it comes to retirement, among the leading concern is facing an event that requires long-term care and covering its costs. Despite of this, there is no reason to worry because you can prepare for it.
Currently, there are long-term care insurance policies available for care-related needs. ... Views: 1597
Editor's Note: The following is an excerpt from Retire in a Weekend! The Baby Boomers’ Guide to Making Work Optional. Catch a sneak peek of the authors DVD, The 10 Biggest Mistakes People Make When Retiring & How YOU Can Avoid Them at www.RetireinaWeekend.com.
Creating a steady stream of ... Views: 1595
A profession in internet marketing is best for many senior citizens but especially those who might have established specials needs such as vision and hearing loss or minimal movement. Working from your computer system in the house lets you progress, earn that needed extra income easily and ... Views: 1587
The Return of Prosperity – A Three Part Series.
Part One: An objective View
Part Two: The good signs
Part Three: What to do right now!
Part One: An Objective View.
“If it ain’t bad, it ain’t news”
-Unknown reporter at the scene of Joey Gallo’s murder, April 7, 1972.
When it ... Views: 1569
In her new book, Own Your Life, 7 Essential Steps to Independence, author, speaker and lawyer Suzanne B. Quinn guides the reader through the seven essential steps to personal and financial security and independence. This article is an excerpt from her book, comprising one of the seven ... Views: 1568
With just some basic preparation you and your financial planner could have your retirement fund trained to overcome obstacles with the grace of a champion pedigree.
Is it possible to train your retirement plan? We think so.
Maybe you’re about to change jobs, change companies, or change your ... Views: 1556
ACTUAL CASE HISTORY: Alex had been employed in the Information Technology ("I.T.") department of a large insurance company for 20 years. At 54 years of age, he was looking forward to retirement in just a few years. His wife, Barbara, had recently retired as a school teacher in a private school, ... Views: 1549
Wow! Can you imagine being retired with nothing to do? Would it not be one of the cruellest punishments you could imagine? Does sitting in front of the TV, day in and day out, sound like a fulfilling way to live? Malcolm S. Forbes said "Retirement kills more people than hard work ever did". ... Views: 1546
Aloha!
To the many individuals currently experiencing the joy of finally leaving the past decades of daily obligation to the J.O.B. – good for you! What next?
Now’s a great time to pursue that passion that’s been bubbling just beneath the surface for so long. What makes your heart sing, ... Views: 1545
As a general disclaimer, the tax code is complex, everyone’s situation is a little different, therefore, please do not take any action on strategies discussed without first consulting with an expert about your individual situation. The information contained in this article is believed to be ... Views: 1540
2016 is almost over and many investors are often asking us about year end financial planning tips they should take advantage of before the end of the year. 2016 in particular offers a big opportunity to look over your finances, do something that could lower your taxes, and put more ... Views: 1538
This book review is part of a series that covers the topic of Retirement and Retirement Planning. For many people, financial success is an important part of self improvement. An understanding of retirement and retirement planning will help in your journey to financial success. Bill Losey is the ... Views: 1534
Dear friend, money matters even to the elderly. In some cases it matters most to them. Their needs can often become a long list of medical supplies, special shoes, medications, special health care, food – and the list goes on.
There may come a time when it becomes necessary to manage your ... Views: 1534
"I thought I left business and work and all of that snarly stuff - and now you want me to write down my business plans? To write down my goals? NOT!!"
Sue is a newly retired office manager turned blogger who wants to make a small business of what she is doing -- blogging about ... Views: 1527
Has your work ever interfered with your ‘other life?’ That ‘real’ life that does not include work, even if it’s work you love? What I mean is true leisure. Not thinking about, planning about or doing anything even close to work.
I am talking especially for those of you entrepreneurial types. ... Views: 1525
At some point in life, we start noticing that all of our mistakes are just variations on half a dozen or so major mistakes. Have you ever noticed what yours are? In this article, I'll help you avoid some of the most common mistakes people make with their retirement finances, but you can ... Views: 1512
Build up your savings with RRSP
In nowadays, I'm not sure how reliable is one's retirement plan, if one is solely relying on the public pension plans. To encourage Canadians to plan and save for their own retirement, the federal government has introduced the Registered Retirement Savings Plan ... Views: 1512
Most of the population still believes in old financial philosophies that are no longer relevant and reliable. The vast majority of the working public thinks investing is risky and you should invest in mutual funds, diversify in stocks and bonds and hand your money over to a money manager. That ... Views: 1512
Boomers want in retirement what they wanted from their work. To have fun, great experiences, and make a difference. Retire and discover a new sense of purpose.
In today’s complicated world, earning a living is the primary purpose of most working adults. It’s an important role, but can also ... Views: 1509
Do you see a warning light flashing? Americans with high net worth and high incomes are preparing for the likelihood of higher taxes in 2011 and subsequent years. High earners are almost certainly going to take the hit if the EGTRRA and JGTRRA cuts fade away at the end of 2010. Here’s a summary ... Views: 1508
Retirement is the point where a person stops employment completely. A person may also semi-retire and keep some sort of retirement job, out of choice rather than necessity. This usually happens upon reaching a determined age, when physical conditions don't allow the person to work any more (by ... Views: 1507
If you are like most people, you have been diligently putting some of your hard earned money away in some type of retirement plan. For most people though, their preparations involve only the monetary type with a total lack of awareness about preparing and preserving the body they live in for ... Views: 1502
Remember Yoda? The short little bald guy in Star Wars? He lived for 900 years! What did that guy eat for breakfast? Wheaties? Kale? Thin Mint Girl Scout Cookies? He must’ve had great jeans (levi’s, true religion, 7 for all mankind). He also probably meditated, exercised, and took some serious ... Views: 1500
Question: My husband and I (age 62 and 57) want to make some resolutions to sure up our retirement picture in 2010. Any thoughts you could provide would be greatly appreciated. Bea, Stamford, CT
Answer: Bea, here’s a checklist to get you on track in 2010!
1. If you haven’t maxed out ... Views: 1490
First, the good news: From June 2007 through September 2008 (i.e., during the credit crisis) Income CEF payouts per share were virtually unchanged. From June 2008 through September 2008, payouts rose slightly--- 29 funds raised their payouts and 17 lowered them. Your portfolio spending money ... Views: 1487
People have different views about retirement age. Does your view hold that you should work beyond the typical retirement age, or even fail to retire at all? Whatever the view you may have, one thing is for sure: a significant working population of the Americans would wish to delay retirement ... Views: 1485
Another Star Wars movie, another reason to look back and empower the many delights in this epic series. But do you know that reliving the Force can also make you see the power of Medicare Supplements? Here’s an exclusive feature from Freemedsuppquotes for all intergalactic retiree fans.
Also, ... Views: 1483
To retire is to stop something you are doing, thus leaving space to start something new—sometimes simply a time of rejuvenation and rest.
For some of us, retirement from our professional or work life is a distinct life marker. Other times, it is a seamlessly flowing transition from one ... Views: 1479
The 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: 1474
Question: 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: 1473
Low 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: 1471
Also 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: 1470