Retirement Articles
Changing from asset accumulation to asset distribution takes a major
shift in thought and process for those moving from pre-retirement to the
retirement stage of life. The steady, every-week paycheck is now
replaced by pension...
Life is backwards! It seems ironic to me that when we have all the
energy and time in the world to travel and recreate, we are too young
and lack the money. When we are older with time and money, we lack the
physical capabilities to enjoy
those...
“Fixing Social Security” has become the mantra of choice for politicians
on both sides of the isle in our nation’s capital. Some form of
privatization may be the end result of the inevitable political babble
and posturing as we...
Ask anyone recently retired about the adjustment process … according to
a poll done by American Demographics®, 41% of retired workers said they
were having a difficult time adjusting to...
Traditional IRA distributions are taxable at ordinary income tax rates
when distributed, either to the owner or beneficiaries. Setting up an
IRA to pay out using the Substantially Equal Periodic Payment (SEPP) is
an effective way to...
'Liquidity, liquidity, liquidity' is as important to retirement planning
as location, location, location is to buying real estate. A
retirement plan without adequate consideration for liquidity can...
The decision whether to retire with or without a primary residence
mortgage is a key planning issue for most retirees. This has become even
more of an issue as housing values rise and...
Property rich and portfolio poor is not a totally inaccurate way to
describe the retirement plans of today’s baby boomers. The stock market
bubble that burst several years ago, taking with it hopes of millionaire
lifestyles in soon to be achieved retirement, has...
Lost amid the political rhetoric swirling around Social Security are
many of the other benefits the system provides. For example, the right
to choose when to start drawing benefits can be as important as the
benefits themselves. Often overlooked are...
Retirement income planning has
traditionally been built around the three-legged stool of Social
Security, company pension, and private savings. Congress kicked out one
of the legs, the company pension, with changes in the tax laws in the
mid 1980s. By using a...
High on President Bush’s list of priorities for his second term is the
privatization of some portion of Social Security. The opinions on
whether or not this is a good idea are even more varied and passionate
than the various proposals about the issue. Some members of...
Retirement as it Should Be
“Shoot, I’m never going to retire, I’m having too much fun,” responded
Cliff Hollenbeck. “When I go, its going to be on a beach, with a camera
in my hand, taking pictures of gorgeous models… and my last words will
be, ‘Get the film.’”...
Coming up with a retirement plan to replace a weekly paycheck once
retirement comes knocking is essential to making sure your money lasts
as long as you do. The basics for designing this plan rest on the “three
legged stool of retirement”…
In 1935, President Franklin Roosevelt signed the Social Security Act,
which provided a nationwide retirement and social welfare program for
the first time. Since then, Social Security has grown to become an
essential part of...
The “Yin and Yang” facing public policy makers was evident in a recent
edition of
USA Today® when the editors ran an article on the front page
discussing how Social Security is being stretched by long retirements.
In the next section, they presented the “yang” with a...
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