Retirement Articles

  1. Guide: How to Save on Expensive Funeral Costs

    According to the National Funeral Directors Association, the median cost of a funeral in 2012 was $7,045.
  2. Early Bird Doesn't Get The Social Security Worm

    Here’s an eye-opening statistic: 73% of Americans who are collecting Social Security (SS) today are receiving less than their full benefit. That’s right — they may not be getting their just deserts. That’s because we all have options when it comes to collecting Social Security benefits.
  3. Avoid Taxes on IRA Rollovers

    For years, IRA owners have been allowed to roll over their money from one IRA to another once a year without penalty, for each IRA account they had. A tax court ruling in January 2014 has brought that to an end. Starting in 2015, taxpayers will be limited to a single rollover per year no matter how many IRAs or retirement annuities they own.
  4. Infographic - Catching Up In The Retirement Race

    Information on how to get to where you need to be in your retirement savings plan.
  5. The Devil in the Details: Five Retirement Budget Proposals

    President Obama got our attention in his State of the Union speech by calling for action on retirement. The President’s budget proposals, however, may reveal more about the administration’s overall vision for retirement policy.
  6. Five Tax Myths That Can Cost You Cash

    Relying on the wrong ideas about how to file your taxes could cost you plenty.
  7. How To Use Your Roth IRA As An Emergency Fund

    Do you feel like you don’t have enough money to save for emergencies and also save for retirement? An often-overlooked feature of the Roth IRA could solve your problem.
  8. What Is Worse Than Being At Risk?

    You may have heard the old adage: “What is worse than being lost? Not knowing you are lost.” In that same vein: What is worse than being at risk? You guessed it! Not knowing you’re at risk.
  9. The Risks Of Investing In Emerging Markets

    In a volatile market, domestic investing can be risky. Many investors choose to look overseas for diversification - but that strategy comes with its own unique threats.
  10. Five Steps To Retire Debt-Free

    Retiring without debt is a worthwhile goal, but a difficult one to achieve. If you're up to the challenge, follow these steps to a debt-free retirement.
  11. The Three Stooges Debunk myRA

    The mention of a government-backed IRA in Obama’s state of the union address earlier this year may look like a good deal. After all, who wouldn’t want a retirement account with the full backing of the US government?
  12. Five Reasons To Not Bother Retiring

    Here are five reasons it may make sense to forgo a traditional retirement today.
  13. Reverse Mortgages 101

    Just because you can apply for a reverse mortgage doesn’t mean you should. Get a general idea of how these work, as well as who is poised to benefit from them in this article.
  14. Why Unemployment Rates Matter To Your Retirement

    Undoubtedly, unemployment is important for retirees and soon-to-be retirees. Also important is understanding the inflation rate as it’s reporting by the US.
  15. Retirement Tax Changes For 2014

    To save efficiently for retirement, it pays to keep abreast of tax law changes. Limits on contributions for some plans have changed while those already receiving social security will see a pay boost.
  16. Maximizing Your IRA

    Dennis Miller interviews IRA expert Terry Coxon to find out clarify the different types of accounts – and which are right for which people.
  17. Retirement Woes Remain As Housing, Stock Markets Rebound

    Despite a rebounding stock market and recent housing gains, retiring comfortably remains an elusive goal for the majority of Americans, recent surveys have found.
  18. How Much Do You Know About 401(k) Fees?

    Here is a quick breakdown of fees that most people should know about when they look at their retirement account.
  19. The Ty Cobb Approach To Retirement Investing

    Swinging for the fences isn’t always the best tact when you’re talking about investing.
  20. How Bernanke's Legacy Affects Retirees

    Ben Bernanke’s reign as Fed chairman has come to an end, and he’s leaving behind quite the legacy. The effects of this legacy aren’t only to be seen in the savings of current retirees or those about to retire; It’s evident further on down the generations.
  21. Obama’s Retirement Cap Could Hit Middle Class

    President Obama plans to place new limits on how much Americans can contribute to tax-deferred retirement plans. Retirees could get no more than $205,000 a year from such plans, estimates say.
  22. What Is A Retirement Saver's Tax Credit?

    Here, we take an in-depth look a tax credit designed to provide relief to some people who are saving for retirement.
  23. A Second Look At Bonds

    Traditionally, bonds have been looked at as one of the safest investments around. But Dennis Miller has some analysis that may change the way you think bonds fit into your portfolio.
  24. 65 Is Not A Magic Number

    Just because you've reached 65 doesn't mean you have to retire - that is, if you don't want to. Read on to find out how your age relates to your retirement.
  25. Debt: The Last Social Taboo?

    Debt need not be a personal tragedy nor a badge of shame. For some, it is simply a practical problem with practical solutions. For others, however, it isn't even the real problem.
  26. Pension Promises Go Unfulfilled

    Folks who trust in their pensions to carry them in retirement can end up with a fraction of what they were promised.
  27. Hello, myRA: Retirement Savings for Beginners

    A new acronym has been added to the lexicon of savings and retirement plans - the myRA. That stands for My Retirement Account and is a twist on the well-known IRA or Individual Retirement Account.
  28. America's Frozen Pension Dilemma

    Unfortunately, there are several factors that have eroded the presence of pension plans in America, and workers need to be prepared to replace that expected income for their retirement years.
  29. Why Americans Still Can't Escape The Recession

    National statistics indicate that the U.S. economy is finally gaining momentum. So why doesn't it feel that way for many Americans?
  30. How To Profit During High Inflation

    Some companies are better than others at pivoting their strategies to overcome inflation or other cost-increasing concerns. The best companies can push cost increases out to the market quickly (think gas companies), allowing them to stay profitable even during cost volatility.
  31. Tax-Smart Ways To Help Your Kids/Grandkids Pay For College

    Learn about plans and accounts that allow you to efficiently save for your child or grandchild’s education while shielding the savings from the IRS as much as possible.
  32. 10 Steps To Tax Preparation

    Follow these simple steps to get you ready for the income tax deadline of April 15.
  33. What Baby Boomers Need To Know About Making Out A Will

    Squarely addressing the prospect of your own mortality can be upsetting enough. But the financial questions surrounding what and how to arrange for one's heirs are disconcerting, too.
  34. How To Find The Best One-Of-A-Kind Investments For You

    Investors who are seeking to understand lackluster performance also need to understand the underlying causes of their symptoms. Most investors follow the crowd, which means as the stock market rises, then falls, these crowd-minded investors lose with everyone else.
  35. Would A Retirement Plan Overhaul Fix Our Savings Shortfall?

    There are several theories and ideas about how we can make up for the $6.6 trillion retirement savings shortfall in America. Adjustments to Social Security and our retirement savings plans are some of the chief solutions on the table.
  36. Is It Ever Wise To Make Early Withdrawals From Your 401(k)?

    Investment experts generally frown on early withdrawals from a 401(k) account, but there may be some instances where it's wise to take money out of this tax-free investment.
  37. Financial New Year's Resolutions You Can Keep

    Start the year off right by evaluating your financial health and setting impactful and achievable goals.
  38. Six Traits Of Successful Retirees

    Retirement mentor Dennis Miller identifies the six steps he finds most essential to a prosperous retirement.
  39. Why The 4% Retirement Rule Is No Longer Safe

    Some big-name investment firms believe the 4% rule for annual withdrawals is still valid but most advocate greater flexibility as stock markets gyrate.
  40. Getting The Most From Your 401(k)

    There are a lot of risks when it comes to building a strong nest egg, and it's important - now more than ever - to take an active role in diversifying and managing your own retirement finances.
  41. Avoid 'Winging' Retirement: Don't Make These Investment Mistakes In Your 50s

    Even with a good, solid retirement program well underway, there are important retirement mistakes to avoid once you're in your 50s.
  42. Six Critical Rules For Successful Retirement Investing

    Specific retirement investing "rule of thumb" tips are helpful, but there are broader guidelines to follow if you want to have enough income to retire when and how you want.
  43. The Benefits Of Starting An IRA For Your Child

    Many financial experts and educators believe that the earlier children begin learning about money, the better their chances for financial stability in the future.
  44. The Big Squeeze On Your Wallet

    The Federal Reserve has been printing money to cover some of our debts, but how long can they do so without spawning hyperinflation?
  45. Money Mistakes You Can't Make In Your 40s

    According to Forbes, by 45 years of age, about three times your annual salary should be socked away in savings. Are you on track?
  46. A Million Dollars Isn’t What It Used To Be

    In 2007, an investor with $1 million could earn $60,000 annually on a certificate of deposit. Today, that same CD would earn $12,000, which makes things a lot more difficult.
  47. Tax Tips For The Last Quarter Of 2013

    Tax time may not be right around the corner, but the last quarter of the year is here, so it’s time to get in gear to maximize the potential for tax deductions as the year draws to a close.
  48. Magic Retirement Numbers: As Real As Every Elvis On The Las Vegas Strip

    Many folks find their "magic retirement number" when they are young and fully believe that if they hit that number, they will live the retirement of their dreams. What they don't realize is the number of assumptions that have gone into calculating that number.
  49. When The Offense Changes, The Defense Needs To Adapt

    Sports are like investing: you don’t blindly use a strategy without considering your opponent’s next move, his strengths, and his weaknesses. To win, you have to adapt.
  50. 7 Essential Questions To Ask Aging Parents About Their Finances

    No one wants to think about the aging of his or her parents, let alone plan for their death. Unfortunately, aging is a part of life, and in order to truly support your parents, it's best to start asking questions now.
  51. Tortoises Win The Retirement Race

    People are having children later in life, which leaves them with less time to accumulate savings for retirement. For late boomers, that means the time is now to start getting serious about retirement, even if they aren't empty-nesters just yet.
  52. Introduction To Retirement Money Market Accounts

    Money market funds are used in retirement plans and accounts because they are liquid, stable and pay competitive rates of interest.
  53. Getting Shocked By Utility Stocks

    Utility stocks are traditionally thought of as safe investments, no matter what happens at Wall Street. A recent analysis shows that this isn't really the case.
  54. Are You Really Retired Just Because You Stopped Working?

    Retirement doesn't have to mean the end of working, it can be just the end of working to get by every week. Retirement should be about working only if you want to, not because you have to.
  55. How To Cut Your Mutual Fund Fees By Up To 90%

    Most mutual funds don’t come close to beating the indexes they’re compared against. And yet they carry steep fees for active management. Find out how a little research and effort can cut your mutual fund fees.
  56. 5 Ways To Protect And Grow Your Retirement: Whether You’re 45 Or 75 Or Somewhere In Between

    Investors who take steps now can shield themselves from the coming challenges thrust upon retirees.
  57. What's The Point Of Owning All This Stuff?

    Are you a portfolio hoarder, hanging on to poor performers and investments that no longer match your objectives? It's time to purge those investments and put that money to use to match today’s needs.
  58. Washing Trades In A Canadian Registered Account

    For Canadian RRSP accounts, washing same-day trades and using money market funds to bridge the gap over a multi-day trading period saves investors the exchange fee and will help their bottom line while rebalancing securities. Read on to find out how to wash your trade.
  59. 4 Benchmarks To Keep Your Retirement Finances On Track

    In today’s near-zero percent interest rate environment the old ways of investing for retirement no longer apply. Learn the sober reality of the fundamental changes we all need to make to ensure we don’t run out of money during retirement.
  60. The Overlooked Answer To Retirement Woes: Your 401(k)

    Sometimes, landing free money is as easy as asking. Find out how to get the most out of your 401(k) retirement plan.
  61. Investing With A Purpose

    Your reasons for investing are bound to change as you go through the ups and downs of life. Setting goals is the first step in determining which investment vehicles are right for you.
  62. A Lousy Investment That May Be A Good Source Of Income

    In the past few years reverse mortgages have been heavily marketed as the way to become debt, and worry, free. For some seniors a reverse mortgage makes sense, for other though this dream product can quickly become a nightmare.
  63. Should You Trust Your Instincts On Gold?

    The trouble with gold is that even as stocks are going up and the gold price is hurting, investors and central banks are loading up on gold and silver like never before. There’s a disconnect here and one of these sides is right and one is wrong.
  64. Freelancer Or Employer: Identifying Your Next Career Move

    Although the increasing accessibility of independent contracting has created job opportunities, it is important to remember that this method of working also has considerable disadvantages in comparison with traditional employment.
  65. Should You Borrow Money To Make Investments?

    It's high time investors heed the yellow caution flags waving in front of their margin accounts. Much like the NASCAR driver who pumps his brakes to avoid disaster when he sees the caution flag, it's time for us to slow down.
  66. Will 2014 Mark The Return Of The CD?

    If bank rates follow the pattern that yields in the bond market have already begun to set, CD rates may be the first deposit rates to benefit from rising interest rates.
  67. The Pros And Cons Of Pension Maximization

    Pension maximization can be an effective solution to the single versus joint life payout dilemma that many retirees face. But, there are several factors, such as tax and investment matters, that will decide if this strategy is right for you.
  68. How Long Will You Work When You Should Be Retired?

    Many retirees work during retirement, some by choice following a passion and others by necessity to put food on the table and a roof over their heads. Increasingly it’s the latter group that is growing faster. Preparing now, even if you are retired, by making the right investments and saving more than spending can make the difference between a stress-free retirement and one filled with fear and doubt.
  69. The Basics Of A 401(k) Retirement Plan

    This plan has become one of the most popular retirement options. Find out why.
  70. 6 Tough Questions To Ask Before Retirement

    While the biggest factor in deciding when to retire is whether you still need or want to work, there are many other variables to consider to ensure a comfortable and secure life after work.
  71. Using ETFs To Replace Your Expensive Mutual Funds

    Fees associated with many mutual funds looks small. Some are barely over 1% or even lower. But over time those fees erode the overall value of your portfolio. And even in the near term, as in the example used in this article, you could end up paying nearly 20% of your gains just for the privilege of holding a fund.
  72. Turning A Subsistence Retirement Into A Luxurious Retirement

    It seems many investors these days, particularly seniors, either go it alone with no outside guidance or they completely abdicate responsibility to a financial advisor who may or may not have their best interests in mind. In this article we’ve tapped Jeff White, founder and president of American Financial Group, to show us how to get the most from using a financial advisor while keeping our independence.
  73. How Much Should You Have In Your 401(k) To Retire?

    Here are some tips for retirement goals, general investing rules and what to focus on while saving.
  74. How To Survive When Prices Double Every Day And A Half

    Hyperinflation can destroy your life savings in a matter of months or less. We’ve seen again and again throughout history…Germany in the 1920s, Hungary in the 1940s, Yugoslavia in the 1990s and Zimbabwe just a few short years ago. Hardest hit are seniors who generally don’t have many employment options for boosting their income.
  75. 3 Financial Tasks We Think Are Harder Than They Really Are

    Use these three tips to help put your financial situation into perspective. It turns out, organizing your finances isn't nearly as hard as you thought.
  76. What Is The Federal Employees Retirement System (FERS) And How Does It Work?

    Unless you are a government employee, you’ve likely never heard of the Federal Employees Retirement System, but if you work in the public sector or plan to in the near future, FERS is an acronym you will soon know well.
  77. Real Estate Investing: Is Now the Time to Take Advantage of the Current Buyer’s Market?

    Even though Dennis Miller spent well over three decades writing books and teaching the subject of negotiations, some of the best lessons he learned on the subject came from luck.
  78. The Hidden Fees In 401(k)s

    Learn about the conspicuously disclosed fees that lurk within your 401(k) investments.
  79. Certifications For Estate Planning

    These certifications can lead to a promising career, but is estate planning for you?
  80. When To Buy A Mutual Fund

    There is money to be made in mutual funds, but investors fall into several pitfalls that keep them from maximizing their profits. Read these tips to take the uncertainty out of investing in mutual funds and find out if mutual funds are a good fit for your portfolio.
  81. Should You Buy An Annuity?

    For many cash strapped seniors an annuity sounds like the perfect solution. And it can be if you think you’ll outlive your mortality date. The only trouble is that the insurance companies offering annuities have perfected estimating your mortality date based on factors like gender, birth year, where you live, where you were born, the age your parents died, and your health (or unhealthy) habits.
  82. Is Real Estate Ever A Wise Investment For Retirees?

    Being a landlord sounds like the path to riches: you buy some property, rent it out and watch the checks come in every month. The reality is that it’s a young man’s game. There’s just too much hassle, full time commitment, and risk associated with rental properties to be worthwhile for most retirees.
  83. The 10 Worst Financial Decisions You Can Make In Retirement

    In this time of fiscal uncertainty, there are many financial decisions that can make or break you during your formative years.
  84. Mandatory Pension Savings: Should Employers And Employees Be Forced To Make Contributions?

    The scale of the pension crisis in the U.S. cannot be denied, and there's a growing movement that supports the mandatory pension system that's been created in Australia and other parts of the world. But can the millions of working poor in America afford such a system?
  85. Money Tips To Stretch Your Retirement Nest Egg

    Learn the key investment and savings tips you need to ensure your retirement savings last as long as you do.
  86. The Cold, Hard Facts Behind Funding Your Retirement

    Most people, depending on which side of retirement they’re on, feel they either won’t ever be able to retire or stay retired once they are. Many of us watched our parent’s generation put their retirement savings into CDs paying 6%+ and just living off the interest.
  87. Planning Your Second Career

    A second career can provide opportunities whether you are worried about outliving your retirement savings, or you want to stay productive and do something meaningful later in life.
  88. How To Start Saving For Retirement

    If you establish these money-saving habits and patiently allow your wealth to build, you will be taking some huge steps forward in making your financial future more secure.
  89. An Introduction To The Keogh Retirement Plan

    Learn more about this popular defined-contribution retirement plan that many business owners, proprietors, and self-employed people can benefit from.
  90. Why Your Pension Plan Has Sovereign Debt In It

    One type of security pensions tend to invest in is sovereign debt, or debt issued by a government.
  91. How To Buy Annuities (And When Not To)

    Annuities are complicated products that require some basic homework to be done before requesting quotes. Retirees will want to think about how they envisage their lifestyle and even their potential mortality to come up with an annuity product that’s right for them, or not even buy one at all.
  92. How To Profit From Risk

    CDs may look safe and attractive but considering most pay a rate that is less than the rate of inflation seniors today risk actually losing money with CDs. We need to be our own money managers now and do the research that’s required. Much of that research is already done and can be purchased through various newsletters.
  93. Investing In REITs Instead Of Property

    Learn why this one particular REIT is a better investment than holding physical property in your retirement portfolio.
  94. 5 Signs It's Time To Retire

    Leaving the workforce isn't always an easy decision. Are you ready to take the leap?
  95. Will Obama’s Chained CPI Help Keep Inflation From Eating Into Your Savings?

    Learn the ways in which inflation nibbles away at your retirement income, especially in light of the President’s proposal for Chained CPI adjustments to Social Security.
  96. How Baby Boomers Will Change The Way Others Retire

    Generation X and Generation Y still have many lessons to learn from their elders, including how to make the most of retirement in the 21st century. Find out what retirement trends baby boomers are setting for younger generations.
  97. Enough Money To Not Worry

    Our retirement goals have not changed. We still want enough money to not have to worry about it. How we go about getting there, however, has been changed dramatically.
  98. 5 Smart Ways To Use Your Tax Return

    This year, find out how to stretch your tax refund further to strengthen your future.
  99. The Best ETFs For Your 401k

    ETFs can be a good alternative to traditional retirement fund options because of their low cost, superior performance and liquidity.
  100. Retirement: The One Thing Couples Shouldn't Do Together

    Staggering retirement can have both financial and emotional benefits for married couples.
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