Mario Tama/Getty Images Markets may have rebounded in 2009, but individual investors are still edgy and shell-shocked. Even as the broad Standard & Poor’s 500-stock index remained up 56% since March, the U.S. unemployment rate crept above 10%, according to a Labor Dept. report released Nov. 6. “I don’t think many people are feeling very [...]
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At 45 years old, after 15 years at her current job, Mary received a notice that her employer was discontinuing it’s defined benefit pension plan. She would not lose the accumulated value up to this point however, the company would no longer be contributing to the plan. This meant that Mary and the other employees [...]
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If you read the biographies of some of the world’s greatest entrepreneurial capitalists in America you will laugh that many of these businessmen did not have huge business plans at all. Rather, their businesses were conceived on the back of napkins at restaurants or even at bars. It’s true. Still, when it comes to planning [...]
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Last year, retirees collecting Social Security benefits received one of the highest cost of living adjustment (COLA) increases seen since the 1980s. Unfortunately, that increase may be the last one they see for a few years. If you are retired and receiving Social Security benefits, you know that your benefits are increased each year to [...]
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Good day to the hard working citizens of the United States of America. As the financial crisis continues to wear on, it has become very evident that there are a lot of people out there having a hard time making sense of what is going on and how it will impact them in the future. [...]
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Typical nightmares use to include showing up for work in your underwear or ghosts in your home. At the very worse a nightmare may have been the death of a close family member or a home burglar. However, this is no longer the stuff that nightmares are made of, as many people are now finding [...]
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How long will you statistically live? You probably think that statistically you’ll live to about 75. But that’s somewhat of a misconception. Having a better idea on what life expectancy means will help you better project how many years of retirement you need to plan for. And clearing up what life expectancy means to you [...]
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Technically, you can ALWAYS withdraw from your Simplified Employee Pension (SEP-IRA) or your Tax Deferred Annuity. However, it is not advised to withdraw funds prior to reaching the age of 59 1/2. Likely Consequences For Early Withdrawal – 10% Penalty If you are under the age of 59 1/2, there may be significant tax consequences [...]
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Underestimating the importance of leisure in planning for retirement is the biggest mistake retirees make. They put their finances in order and assume everything else will take care of itself. But retirement satisfaction depends on how you spend your time, not your money. During the working years leisure is a rare commodity. Overtime, second jobs, [...]
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If you’re like many retirees–or those soon to be retired–your investment portfolio has probably taken a big hit in the recent market meltdown. Even traditionally conservative investments such as municipal bonds and dividend-paying preferred stocks have behaved in unusual ways. While you can’t control the markets, you do have some control over how and when [...]
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