Owner: TheRetirementPros - Retirement Planning Blog URL:http://www.theretirementpros.com/blog Join Date: Thu, 20 Dec 2007 11:23:49 -0600 Rating:0 Site Description: Looking for options that will help you leverage your retirement assets? Read articles and insights about a number of different strategies you can employ to reach your desired retirement. Ask our experts, view our free Retirement Video Internet Seminars, r Site statistics:Click here
Is Outliving Your Retirement Money a Worry? 2008-03-07 10:20:26 You can now buy insurance to protect you and your spouse against outliving your money. This coverage is for the retirement-minded whose biggest fear is living longer than their money. You simply deposit with an insurance company part or all of your retirement money, and they guarantee you, and your spouse, a lifetime annual income. [...] Read more:Money
Reverse Mortgages and Retirement Planning 2008-03-03 09:16:25 There is currently a lot of talk in the press about how reverse mortgages can be used to supplement your retirement income. Some sources advocate the use of reverse mortgages while others preach against them. First of all, reverse mortgages, like virtually every investment or financial decision, are good for some and bad for [...] Read more:Reverse
Stagflation and Retirement Planning 2008-02-29 15:18:10 Lately there have been a lot of references to “stagflation” when describing the current economic outlook. Webster’s defines stagflation as: an inflationary period accompanied by rising unemployment and lack of growth in consumer demand and business activity. In other words, there are a lot of people who are out of work but prices are increasing like [...]
Comparing Annuity Lifetime Income Options for Retirement 2008-02-28 13:58:21 As we’ve discussed elsewhere in my retirement blog, longevity risk is the greatest fear of most retirees. You can now buy insurance to protect you from longevity risk: the risk of outliving you money. Just like you insure your home, car, health, etc. from the expenses of loss, insurance companies now offer annuities to protect [...] Read more:Annuity
, Lifetime
, Income
, Options
If You Need a Lifetime Income 2008-02-20 20:50:02 We lament that lifetime pension from employers are now a thing of the past. Maybe that’s why the greatest retirement fear of most boomers and seniors is outliving their money. If there were only a way that we could take some of our 401(k) or other retirement money and convert it into a [...] Read more:Lifetime
, Income
What Money Should You Use First In Retirement? 2008-02-07 09:44:37 Most successful retirees will have three sources of money for retirement:
1. Qualified: IRA, 401(k), 403(b), Thrift Savings Plan, etc. that they contributed to during their working years for use during retirement. Income taxes have not yet been paid.
2. Social Security: Virtually every private-sector worker is eligible for Social Security during their retirement years. Also, a [...] Read more:Money
, First
The One Annuity You Should Never Own 2008-02-05 11:27:13 You hear a lot of horror stories about fixed and index-linked annuities — mostly coming from sources that are biased, have a vested interest in trashing annuities or are just plain uninformed. Ironically, most of the stories (sometimes referred to as case studies) feature payout two-tier annuities and discuss these dogs as if all fixed [...] Read more:Annuity
How to Hide From Market Risks 2008-02-04 18:06:34 In the February 4, 2008 edition of the Houston Chronicle newspaper (and I suspect lots of other major newspapers throughout the country) appeared an article titled “What to do When You Want to Run from Risk”. The article is all about the volatility in the stock market and where to park your money if you’re [...] Read more:Market
, Risks
Retirees Face Serious Longevity Risk 2008-01-31 11:41:57 Longevity risk: the risk of outliving your money…that is, the risk of running out of money before you do breath. This is the number one fear of most retirees…and for good reason. Retirement can last thirty years or longer, is the time of life when very expensive medical emergencies may strike or a sudden meltdown of the [...]
Keeping Your Retirement Money Safe 2008-01-20 10:14:33 The economic storm clouds are gathering and it’s looking like the U.S. is in for some tough financial weather. If the U.S. catches an economic flu will the rest of the world get pneumonia? The warning signs include a credit crunch, a real estate depression, rising inflation (including gas prices), higher unemployment, a weak dollar [...] Read more:Money
When Bank CDs Make Sense - Retirement Video Seminar - April 17, 2008 2008-03-25 17:24:39 One of the favorite places for retirement nest eggs is bank CDs. While this choice is rock solid safe and easy to access in case of an emergency, it may not be appropriate for all of your retirement money. Bank CDs are like chocolate – a good thing that can be overdone. In this month’s [...] Read more:Sense
, Seminar
, April
Life’s Longest and Most Expensive Journey 2008-04-11 10:09:18 In this retirement blog we talk about retirement options that can help you get ready for Life’s Longest
and Most Expensive Journey
. You’ve reviewed your trip plans and recounted the money you’ll have to pay for your most expensive journey ever: retirement. You think you have enough money, but there could be trouble along the [...]
Recession Proof Your Retirement Lifestyle 2008-04-17 14:55:56 If you’re getting the same economic news I am, you’re probably nervous. You’re not worried about losing your job because that is something you used to do before you retired. But bad economic news also means retirement worries. To sidetrack a recession our government has printed a lot more money to bail [...] Read more:Proof
The Hidden Escape Hatch in Your 401k 2008-04-16 16:48:36 Do you think income taxes are going up or down in the next couple of years? Judging from current presidential campaign rhetoric and the 2010 expiration of the tax reductions enacted between 2001 and 2005, taxes are undoubtedly headed higher. Also, unless Congress acts the Roth IRA roll-over income rule will be relaxed in 2010 [...] Read more:Hidden
, Escape
, Hatch
Little Known Social Security Benefits for Retirement 2008-04-18 16:50:25 If you’ve read my book Guide to Social
Security…and A Better Retirement you know that postponing Social Security
until age 70 makes a great deal of sense for most healthy, married Americans that can do without the income. I mentioned this in my retirement blog in other posts. Of course, there are numerous [...] Read more:Benefits
Is Your Retiement Money Invested In the Market? 2008-05-06 11:02:23 America is facing troubling economic times: collapsing credit markets, advancing inflation, exploding energy costs, crumbling dollar, massive trade and budget deficits, wildly unstable stock market, diminutive interest rates and more. All indicators point toward a full-blown recession and trouble for those in or near retirement. It is time to circle the wagons and button [...] Read more:Money
, Market
How’s Your 401(k) Doing? 2008-05-29 11:40:16 Have you studied your 401(k) statement for the most recent calendar quarter (2008:1Q)? If so, you’ve noticed a loss of about 8% - 10% if you’re average. As you know, and as I mentioned in this retirement blog, your 401(k) money is generally invested in mutual funds and mutual funds are composed of stocks and [...]
Is the Economic Cycle Dead? Are we in an economic stagflation? 2008-06-24 09:58:42 I’ve written in this retirement blog several times recently that America is entering economic stagflation. When the economy goes into a slump (stagnation) but prices rise faster than normal (inflation), that’s stagflation. We’re there! Stagflation is much worse than a mere recession because inflation is robbing you of purchasing power at the very time your [...] Read more:Cycle
The Hidden Escape Hatch in Your 401k 2008-07-07 10:48:36 Do you think income taxes are going up or down in the next couple of years? Judging from current presidential campaign rhetoric and the 2010 expiration of the tax reductions enacted between 2001 and 2005, taxes are undoubtedly headed higher. In this retirement blog I mentioned that unless Congress acts the Roth IRA roll-over income [...] Read more:Hidden
, Escape
, Hatch
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