On Retirement

March 2012


Is the Housing Market (Finally) Getting Better?

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The housing market peaked six years ago. That's when my son—who has been out of college and working for two years—was back in high school. How long can a housing bust last?

There are some signs that the market is slowly getting better, if only at an uneven and halting pace. And that's good news for ...

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retirement

When to Invest in a Roth IRA

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When people find out I am a financial planner, they often like to ask me about their money, and what they can do to get more out of it. I don’t mind. After all, I’ve made it my business to try to convince people, especially younger earners, that they need to start saving and investing now. It can ...

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retirement

The Baby Boomer Number Game

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There are 75 million baby boomers who are on the verge of retirement. For the next twenty years, an average of 10,000 people each day will reach age 65, which has historically been the retirement phase of life.

Between 2000 and 2010, the number of people age 65 to 84 in the U.S. grew by 3.3 million.

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retirement

5 Ways to Save on Gas During Retirement

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Gasoline prices are rising fast and will probably peak in the summer as usual. The national average price for gasoline is currently $3.85 per gallon and it is only March. Gas prices can have a big impact on retirees who have fixed incomes. Here are five ways to mitigate the rising gasoline price:

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retirement

The 18 Best Places to Retire Overseas

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When choosing a place to spend your retirement years, the cost of living is important. But it is only one consideration. The ideal retirement spot is a place where you can live a rich life filled with friends, travel, discovery, physical and intellectual distractions, and opportunities for growth.

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retirement

Old Does Not Mean Slow

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As we age, we tend to slow down. The older we get, the more susceptible we are to physical deterioration and loss of mental acuity. It is the way of the world, and we need to accept that reality. But is this an accurate truism across the board?

Last weekend I joined my parents in celebrating their ...

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retirement

Frugal Habits to Improve Your Retirement

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Being frugal is not always fun. Why should we watch what we spend each day? It's much more convenient to buy a latte from Starbucks than drink coffee at home. In our consumerism culture, we are geared to spend. Many of us rationalize this by pledging to work harder to earn more money.

For example,

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retirement

America's Dying Corporate Pension System

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Corporate pension plans have been undergoing a massive change in the last twenty to thirty years. What used to be the most common form of retirement program in the U.S. has been supplanted by the ever-popular 401(k) plan. The reason is simple: employers are shifting the burden of retirement from ...

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retirement

The New 3 Legged Retirement Stool

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I've been wrestling with the issue of how to structure a solid retirement for about ten years, since I was in my early 50s. I've looked for all the simple answers and easy outs, but haven't found anything along those lines other than to win the lottery, or inherit a small fortune.

Since I don't even ...

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retirement

How to Localize Your Retire Overseas Search

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Retiring overseas isn't a matter of picking the right country. No one is going to retire in France, Belize, or Panama. Instead you should be thinking about a new life in a small beach town on Panama's Pacific coast, a renovation project in a centuries-old city in the heart of France, or a horse ...

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retirement

How to Find the Right Nursing Home

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Many baby boomers will need to cope with aging parents who are no longer able to live safely on their own. Despite the best efforts of all involved, mom and dad may reach a point when they need assistance to meet their daily needs. In some cases the attention and care required may be beyond what ...

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retirement

Reasons to Sue Your Broker

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Before you get agitated about the subject of this blog, here are some caveats: I don’t believe all brokers are bad. Not all losses are caused by broker misconduct. And I am not trying to drum up business for securities arbitration lawyers. (The good ones already have more cases than they can ...

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retirement