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Retirement and Retirement Planning Articles
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- 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: 1343(3 votes) - Diversify Before Your Retirement With In-Service Distributions - by Submitted on Mar 12, 2011 from Yulian IsakovMany don't know this, but if you are currently participating in an employer-sponsored retirement plan such as your 401(k) plan, you may not have to keep all your retirement savings locked in the employer plan and wait until you change jobs or retire to rollover your funds into an IRA. On the ...
Views: 1334 - 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: 1330 - This Isn't Going To Be Our Parent's Retirement - by Submitted on Jan 01, 2008 from Gwen McCauleyRetirement is one of those ‘everywhere’ conversations these days. So many of us ageing baby boomers are nearing that traditionally fateful age that we would have to be mentally dead to not be thinking of our long-term future. And our ‘long term future’ is one of the ...
Views: 1327 - Dos and Don'ts When Dealing With a Family Member's Long-Term Care Insurance - by Submitted on Sep 05, 2013 from Kris MillerIntroduction: It is any person’s dream to live his retirement years in comfort and peace. But with the economic crisis we’re facing right now, purchasing long-term care insurance seems to be a bit of a challenge. To help you deal with this task, here are a few doable tips that may prove to be ...
Views: 1326 - *** Protecting Your IRA Before Retirement - by Submitted on Jul 23, 2009 from Bill LoseyQuestion: This stock market is nuts! How am I supposed to protect my IRA from losing money when I’ve only got three years until I retire? Joan, NY Answer: Joan, as I mentioned in my last post, a few years before retiring you should begin to accumulate an amount of money that's equivalent to ...
Views: 1316(4 votes) - Do I Need $1 Million To Retire Comfortably? - by Submitted on Sep 28, 2007 from Bill LoseyQuestion: Do I need $1 million to retire comfortably? Answer: Imagine a world free of alarm clocks, bosses, long commutes, office politics and limited vacation time. Wouldn’t it be nice to call the shots, spend more time with your family and friends, doing only those things that you’re ...
Views: 1316 - Women and Retirement: You’re Achievement Inventory - by Submitted on Feb 06, 2011 from Judy JuricekIn the last blog post, we talked about making a complete list of all of the achievements of your life and putting it on paper. Hopefully you have done that and taken the time to relax and enjoy all that you have accomplished. Did you ever stop to think how much you have achieved? It feels ...
Views: 1314 - What does a Financial Planner do? - by Submitted on Apr 26, 2011 from Chris CornishI thought it wise to share with you what a financial planner actually does, because in my experience most people either have misconceptions or just don't know. I like to think of financial planning as the process where the client and financial planner get together to initially discuss the ...
Views: 1312 - New Ideas About Retirement - by Submitted on Jun 22, 2009 from Steve GillmanThe very concept of retirement is flawed. It is based on several false premises. First is the premise that at a certain age you are no longer able to provide economic value. That is clearly nonsense as shown by the many millionaire entrepreneurs and business people in the sixties, seventies and ...
Views: 1311 - The Multiplicative Power of Goals - by Submitted on Jan 17, 2011 from Robert SchmanskyWe all know if we commit seriously enough to our goals to write them down, we’ll probably have a better chance of achieving them. But have you ever considered the multiplying and powerful effect of goals on our finances? Mark and Cindy [names changed] came to us seeking financial advice. ...
Views: 1311(1 vote) - Happy Retirement - by Submitted on May 16, 2013 from Kris MillerAre you dreaming of a happy retirement? Would it be fun to retire young, when you can do many things? Imagine how great it is to retire young and at the same time healthy, think about if you could go to nice places and relax and spend your whole time with your family and friends. That is the ...
Views: 1310 - Stretching Your IRA Income Limiting Beliefs For A More Vibrant Retirement - by Submitted on Aug 06, 2012 from Keith DennisIRA income during retirement is the sought after goal for most people as their dreary jobs keep ticking by one day at a time. Does it have to be that way? What is retirement? When do you retire? Is it 65 years old? Is it you retire when you have your 20 years in or your pension starts? Is it ...
Views: 1310 - Retirement Investment Challenges -- How to Make Smart Investment Decisions in Difficult Times - by Submitted on Jun 18, 2009 from Steven FloydWhere should your money be today? If you're wondering when the economic tide will finally turn, you're not alone. But one thing is certain. Eventually, things will turn around. In the meantime, the question remains where to put your money (and where not to put it) to keep it safe, until the ...
Views: 1309 - Baby Boomers Can Develop More Self-Confidence With These 5 Tips - by Submitted on Sep 18, 2008 from Cynthia BarnettThinking about your retirement lifestyle can be a daunting experience at first. Imagining what your life will be like after retirement is filled with unknowns. Even people with great self-confidence or self-assurance can find that the thought of life after retirement creates uneasiness or even ...
Views: 1306 - Could Times Be Any Worse? - by Submitted on Jun 23, 2008 from Andrew Van ValerRight now, things might be looking really bad to you. Every day, the economic news gets worse. Unemployment has been creeping up. The service sector is shrinking for the first time in half a decade. Consumer confidence is declining. Jobs are still migrating overseas. They are laying off at your ...
Views: 1306 - Women and Retirement: Planning for Structure can Ease Transition - by Submitted on Jan 12, 2011 from Judy JuricekUndoubtedly, you are a very busy person with a lot of structure in every day. You wake up with a plan for the day, check email, voice mail and probably social media. You read the news, you eat breakfast (sometimes on the way to work) and you arrive at work at basically the same time every day. ...
Views: 1306 - How Reverse Mortgage Lenders Differ in Terms of Quality and Affordability - by Submitted on Apr 21, 2012 from Amber LadlieMany consumers think of lenders as the enemy. They are the ones charging expensive fees, giving borrowers high interest rates and, when it comes to reverse mortgages, taking advantage of seniors. Fortunately, this could not be farther from the truth. Reverse mortgage lenders are a senior’s ...
Views: 1305(1 vote) - How to Estimate and Create A Working Budget for Retirement - by Submitted on Jul 24, 2015 from Hannah WhittenlyFiguring out how much you need to live off of after you retire is tricky business. You can't overdo your retirement budget to the point where it prevents you from enjoying your present lifestyle, but you also can't save less because then you won't have enough money to enjoy your retirement. ...
Views: 1305 - Investment Income - How to Make Safe Investment Income - by Submitted on May 24, 2011 from Robert RubinHow do you make safe investment income? You will know one great way after you read this article. Any good source of investment income must have - * Low risk to your capital. * Large and predictable payments of earnings. America's county and municipal governments are eager to offer you ...
Views: 1300(1 vote) - Top tips on your SIPP Pension - by Submitted on May 16, 2012 from Charlotte TaylorOne of the most attractive points about a modern day pension is that almost anyone can have one. It is a common misconception that taking out a SIPP pension is a long and complicated process, only used by people in the know. Yes pensions can be confusing and complicated but as most providers ...
Views: 1298(1 vote) - A retirement home- the best abode for the elderly - by Submitted on Sep 26, 2012 from Victor BenLife after retirement is a phase that tends to take an entirely new meaning. It can be fun to indulge in activities that previously one never had the time for, and also devote time to one's family. However, many retirees may feel that they are burdens on their working children, which is why they ...
Views: 1297 - Retirement Planning For Canadians. - by Submitted on Mar 05, 2008 from Yvonne FinnWhat is retirement planning? A simple definition is: The setting aside of enough money during one's income earning years to provide an income during retirement. Seems simple enough, doesn't it? In years gone by it was possible for the money set aside in this manner and supplemented by ...
Views: 1297 - How to live a luxurious life post retirement - by Submitted on Sep 26, 2012 from Victor BenRetirement living homes of today are not like traditional old age homes. Earlier, an old age home would often be the last place of residence than any old person would consider. Many amenities and comforts of modern homes would be missing in such places, but not any more. Retired persons can ...
Views: 1289 - Retirement- It's Yours, So Build Wisely! - by Submitted on Mar 29, 2009 from Glenn Ferguson"It takes time to develop, grow and build the life you want. So give your retirement dreams the time they deserve and watch them become reality." - A Wise Man Each week as I prepare to write my “Investing In You” articles for Wednesday’s Business section of The Nassau Guardian, I realize more ...
Views: 1287 - Divorced and Retired: Don't Forget the Social Security Benefits - by Submitted on May 04, 2012 from Meghan Gehan64 years old, unemployed and closing the book on a 26 year marriage, Beverly needed to make sure that she had explored all of her financial options. She was coming in out of the dark, because during the entire time she had been married, she had never closely managed her finances. As her ...
Views: 1285 - Which Financial Tools Are Right For You? - by Submitted on Sep 13, 2010 from Erik TherwangerAs we continue the Mid Year’s Resolutions journey, I wanted to address one of the biggest goals people have – financial independence. For nearly five years, I sold financial services by meeting with people, usually in their homes or offices, to help them accomplish their financial goals. I ...
Views: 1282 - Your Retirement Life: 5 Steps To Remaining In Control - by Submitted on Jan 26, 2008 from Tony LacertosaThe choices we make in life and how we react to events is a major factor in our happiness. In this regard, there are two types of people, those who act from a position of empowerment and those who take a passive stance. Empowered people take responsibility for their choices and act accordingly. ...
Views: 1280 - Reverse Mortgage Information: Choosing a Payment Option - by Submitted on Apr 22, 2012 from Brittney ParksSeniors seeking reverse mortgage information will quickly notice that these loans are highly flexible. Not only do seniors get to choose from different loan products and interest rates, but they also get to choose a payment option. Currently, Home Equity Conversion Mortgages (HECMs) offer ...
Views: 1275(1 vote) - Investing Tips - by Submitted on Oct 04, 2008 from Marilyn BrunoRecently, a friend asked me whether I was worried about the current financial meltdown in the U.S. and what I was going to invest in. I asked him, "How crazy do you want to get?" I have been a pessimist about the U.S. financial markets for several years for many, many reasons. The truth is ...
Views: 1268 - Seniors Likely to Use Home Equity to fund Retirement with Reverse Mortgage in Coming Years - by Submitted on Mar 01, 2012 from Chris BeardCensus and aging reports indicate the population of American’s turning 65 has begun as of 2011 and will continue to skyrocket well into 2030. These baby boomers control approximately 77% of this nation’s wealth and much of this is in the form of home equity. This explosion is likely to wreak ...
Views: 1268 - 10 Habits of Highly Effective Baby Boomers: How to Make the Rest of Your Life the Best of Your Life - by Submitted on Jul 15, 2008 from Cynthia BarnettAs a Baby Boomer, you are probably thinking about your retirement. Whether you plan to take early retirement (or you have already done so), or you are planning for retirement from your current career at age 65 or 70, you are probably actively planning for your financial future. You should also ...
Views: 1267 - Financial Recovery - Financial Security After Age 60 - by Submitted on May 17, 2011 from Edie HardageFinancial Recovery is an issue that most Americans are seeking in today's times and speaking from experience, there are many obstacles to overcome in the current economic state. As a 60 year old baby boomer, not only are there obstacles, but there is a time crunch as well. My husband retired at ...
Views: 1267 - Medicare Update - by Submitted on Oct 04, 2008 from Marilyn BrunoCMS Reminds Medicare Beneficiaries to Review and Compare Their Current Drug Coverage. On September 25, 2008, CMS Acting Administrator Kerry Weems announced the 2009 Medicare prescription drug and Medicare Advantage plan options for those of us enrolled in Medicare. Almost 97% of beneficiaries ...
Views: 1266 - US Gold Bureau Investors Know Precious Metals Portfolios Should Be Diverse - by Submitted on May 04, 2012 from Jordan BeardThose who invest in precious metals often like to find a steady source of the metals they want like US Gold Bureau offers them. What they are looking to do is make sure that they can keep on building their portfolios no matter what and a service like this allows them to do that quite easily. ...
Views: 1263 - Planning for Retirement Activities - by Submitted on Aug 23, 2011 from Amalia JeffersonRetirement doesn?t imply the end of an active lifestyle. Really the contrary, it opens up new opportunities for a lot of new activities. Some retirees substitute voluntary community function for their former function. This provides definition or which means to their roles following ...
Views: 1261 - Creating A Successful And Meaningful - by Submitted on Oct 03, 2008 from Louis TetuOver a 1000 people retire every day in Canada. As the wave of baby boomers is starting to retire, the number of people 65 and older will double 3 times between 2010 and 2030. With the average first retirement age now at 58 and longevity continuing to increase, individuals can expect to live 20, ...
Views: 1254 - Nine Tips For Living A Harmonious Life In Retirement - by Submitted on Jun 15, 2008 from Cynthia BarnettMany people speak and write about living a harmonious life. Some of those people offer guidance that amounts to trying to help readers or hearers align their lives to the life of the writer/speaker. And many readers/hearers actually listen for a specific set of steps that will create harmony ...
Views: 1253 - Retire Early, Retire Wealthy - by Submitted on May 05, 2013 from Kris MillerWe are not forever young. We will soon grow old and get weaker. It is inevitable and no one can escape that - unless you die young. Are you prepared for this? Or have you even thought about planning for your retirement? Learning to save for retirement is very crucial in our lives. We don’t ...
Views: 1250 - Can't Save Money? Consider Creating your own Nest Egg - by Submitted on Mar 22, 2007 from lana thomasCan’t Save Money? Then Create Your Nest Egg in a few hours per week! When I hit 50 years old it was as if reality settled in like a dark cloud and the impact of looking at a future with no retirement package or medical benefits became a harsh realization that sent me reeling. I decided it ...
Views: 1249 - Retirement Planner - Retirement Planning: The Amazingly Simple 5Ws (and 1H) Formula - by Submitted on Aug 30, 2011 from Keelan CunninghamAre you, like countless millions of others, so-called “planning your retirement” i.e. crossing your fingers and hoping your nest egg will provide for you during your golden years but really not sure if it will? Whether you’re 35 or 55, don’t fool yourself into thinking that building a nest egg ...
Views: 1249 - Stop Retirement Debt - by Submitted on Aug 16, 2008 from Leon EdwardRetirement is supposed to be fun and relaxing. After working hard for the main portion of our lives, our retirement should be something to look forward to. However, for many people that is just not the case and retirement debt is constantly on the increase. With higher house prices and higher ...
Views: 1247 - Creating Your OWN Retirement Plan - by Submitted on Dec 19, 2011 from Teddy DanfieldHow can someone create their own retirement plan? When I say create your own retirement plan I mean making use of all the retirement options available to all people. It is time to depend on your own resources instead of just the government or your employer for your retirement income. Use ...
Views: 1245 - Email Newsletter – Why You Need to Publish an Email Newsletter - by Submitted on Jan 14, 2011 from Lisa NelsonThere are several reasons you need to utilize an email newsletter as part of your marketing plan. Let’s discuss one of those reasons today. The buying decision when it comes to purchasing online is different than when you purchase from a traditional brick and mortar practice. It's very ...
Views: 1245 - ***All Retirement Annuities Have Fees - by Submitted on Jun 08, 2009 from Brian NicolettiQuestion: I'm looking for more details about retirement annuities. Do they all have fees? My sister says that hers cost her nothing and they "gave" her $5,000 for putting in about $50,000. Do they do that? I keep hearing about large fees and hidden costs, but she said that she started with ...
Views: 1244 - 7 Steps to Better Investment Planning! - by Submitted on Feb 04, 2011 from Nikhil NaikWe invest to safeguard ourselves for a rainy day. If you've just started investing or want to start, then you could use our 7-step plan to become your own investment consultant! Managing your investments becomes easy when you make it a habit to save, even if it's very little money. You need ...
Views: 1240 - What Politicians Aren's Saying - by Submitted on Oct 04, 2008 from Marilyn BrunoIf every Boomer were to need to go into a skilled nursing facility, the U.S. Government would be bankrupt. This is not just a U.S. problem. I was at a meeting of international experts on food security. At one point all the delegates were shaking their heads, wondering how their governments ...
Views: 1239 - Benefits of Using Self-Directed IRAs for Multifamily Real Estate Investing - by Submitted on Jan 13, 2012 from Chris UrsoIs your IRA working for you, or are you working for your IRA? Chances are that if you don’t have a self-directed IRA, you’re working for it. Just like you can invest in stocks, bonds, and mutual funds, you can also use your self-directed IRA to invest in multifamily real estate—tax-deferred or ...
Views: 1236 - From Job to Freedom: Making the Move Successfully! - by Submitted on Oct 19, 2009 from Donna GalayThousands of people turn 55 each day in Canada. Most of them will retire for the first time, unsuccessfully, at age 57. Why “unsuccessfully”? Because while many pre-retirees plan and calculate their financial resources to ensure an adequate nest egg to fund their retirement, almost none of them ...
Views: 1234(3 votes)