On Retirement

November 2010


How to Get a Guaranteed Return From Your 401(k)

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Many retirement investors have left the markets and stopped participating in their 401(k) plan in the past two years because they fear more losses. I don’t blame folks for being nervous about the volatility of the stock and bond markets. On the other hand, when you stop contributing to your 401(k)

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5 Reasons to Work in Retirement

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Retiring early seems to be at the top of everyone's wish list. After all, who wouldn't want to sit back, play golf, and not have to deal with a boss. But, then again, how many people do you know that are truly enjoying retirement? In a recent Barclays Wealth survey, only 25 percent of retired high ...

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How to Spot Bad Retirement Advice

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If you are 65 years old, about to retire, and expect to spend $40,000 more than your Social Security income each year, you are one of the few people who can follow the expert advice that you need $1 million to retire. For the rest of you, this advice is at best, unhelpful and at worst, dangerous.

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10 Retirement Myths

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There are many unknown factors when it comes to retirement, especially if your proposed retirement date is a decade or more away. Though we can't predict the future, we can dispel some myths that make retirement planning seem more daunting than it really is. Here are ten retirement myths to look ...

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How to Discuss Retirement With Your Spouse

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There is no doubt that financial issues can cause a lot of grief within a marriage. That is a shame because couples should really be able to rally around their money issues as a team to bring about retirement success. Here are some tips for finding agreement with your spouse about your retirement ...

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retirement

How to Choose an Overseas Retirement Haven

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Before you consider where you might retire overseas, you've got to develop a little self-knowledge. Determine what is important to you and what changes you would not be able to tolerate. What products, services, amenities, and pastimes would you miss from your current life if they weren't part of ...

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retirement

3 Retirement Fears to Conquer

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A few years ago I was having a filling replaced, and my dentist asked me how I was feeling. I told him I was a little scared. “You know what that means,” he paused, leaned toward me, and whispered. “It means you’re normal.” Even if you know you are ready to retire and are looking forward to it with ...

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5 Necessary Characteristics for a Secure Retirement

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The vast majority of retirement advice you read is probably useful to you in some capacity. But it's often difficult to get generic advice to fit your unique situation perfectly. As a result, it's easy to make excuses and push the advice aside as "not for me".

Perhaps more importantly, we need to ...

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retirement

The Misconception of Spending Less in Retirement

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Many people believe they will spend less money in retirement than they do right now. But this is not always the case. Sometimes the opposite is true.

It is easy to see why one might think they could get by spending less. There is no more commuting or eating out during the work week. And retirees no ...

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retirement

Should You Use a Reverse Mortgage in Retirement?

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Seniors strapped for cash might want to consider a reverse mortgage in retirement. These loans have become a popular tool for retirees who found their retirement savings hammered by the down market. Over 100,000 people took out a reverse mortgage in the U.S. last year. But a reverse mortgage isn’t ...

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retirement

7 Ways to Become Your Own Retirement Planner

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I support the concept of being your own retirement and financial planner or at least being in full control of the process. It is your money at risk and your retirement future being planned. You are best qualified to understand your risk tolerance and your retirement goals.

Being your own financial ...

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retirement

6 Secrets to a Healthy Retirement

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If you are planning for retirement, chances are you are mostly thinking about money. Of course, you will need a solid financial base for retirement. But overlook the most important element of a happy retirement, and you run the risk of having a retirement that’s, well, not so happy.

The most ...

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retirement

How and When to Start Saving For Retirement

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Despite the fact that it's better to start saving for retirement at a young age, most people don't begin to think about their retirement needs until much later in life. To stress the importance of retirement saving, many financial experts recommend you begin saving for retirement right now, no ...

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retirement

How To Retire Overseas Part-time

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David and Alexandra Landis researched the idea of retiring overseas for over a dozen years. But they just couldn’t bring themselves to take the leap. The idea of selling everything they owned in the United States and abandoning their current lifestyle completely scared them. Then they realized ...

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retirement

4 Key Questions for Annuity Salespeople

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Annuities are popular as retirement investments. They are particularly popular with the people who sell them because of the commissions they receive. Annuities come in different types and with dozens of different features. Thus, buying an annuity is similar to purchasing a new car. You have a ...

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retirement

3 Guesses Necessary for Retirement Planning

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Preparing for retirement involves a lot of guesswork. Anyone who tells you otherwise is either uninformed or selling something.

Think about it for a minute. Can you predict what will happen next year? How about what you will be doing in 5 or 10 years? New college graduates need to look 30 or 40 ...

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retirement