Individual circumstances dictate whether it is a good decision to keep or pay off the mortgage. Consider these 5 factors before you make that important step.
Original text: Retirement Planning - Should You Pay Off the Mortgage? 5 Factors to Help You Make the Right Decision
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Few products generate as much confusion and controversy as equity index annuities, both pro and con. I am often asked if these products are any good. Want the Straight Talk? No, I don’t think they are.
Original text: Equity Indexed Annuities
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At age 30, Bryan Short has, by any standard, achieved professional success since graduating from Boston College and law school at the College of William and Mary. Yet despite his job as a Washington mergers-and-acquisitions lawyer, he’s nowhere near as financially secure as he expected to be by now.
Original text: Retirement - What’s That?
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The days of ‘dollar for dollar’ employer superannuation plans are nearly dead. Are you like most people who know someone who had an amazing employer that paid money into their retirement plan for them? Don’t you wish you could have had that too? Many New Zealanders are wondering if KiwiSaver is really that good and […]
Retirement plan withdrawals are dangerous to your financial health. Here is why you should avoid withdrawals and what you can do to keep growing your retirement savings to secure your financial future.
Original text: Retirement Plan Withdrawals - Don’t Do It! Here’s Why
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Everyone is faced with a change of plan during this economic crisis. You can stay on track for financial recovery and come out with a better retirement or increased wealth by focusing on these 7 strategies.
Original text: 7 Savings Strategies For Retirement Planning
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Investment loss is crippling retirees and soon to retire families. John and Mary are 58 years old. Their retirement fund is down over 40% and annual income to $16,000. They could retire within months, as could someone in their 20s, by looking at tried and tested methods. But our educational system […]
As an investor approaches retirement, it is recommended that a certain level of assets be shifted to cash and fixed income instruments. It seems reasonable to assume an individual would want to decrease the risk of losing valuable retirement funds so close to the finish line.
Original text: Partial Rollovers - Retirement Plan Cash Allocation
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Captain Jack Sparrow in the movie “Pirates of the Caribbean” has been forced ashore by a mutinous crew. We see him stranded on an island drinking rum with his lovely companion beside a fire. They are discussing his ship. “It’s not just a keel, a hull, and a deck and sails. That’s what a ship […]
Have you started to save for your retirement? I am guessing that you really haven’t. But before you know it you will be so old that you will be unable to work. And the amount of money that you have saved for your retirement will not be enough to last you until the end of […]
The greatest fear of most retirees is the risk of longevity: outliving their money. The meltdown of retirement accounts, rising medical costs, uncertain entitlement programs and higher taxes have added to the risk. Facing 30 years of retirement living on past savings and Social Security benefits is a scary reality. What can be done?
Original text: […]
Are your ready for retirement? Have you been investing your monies over the years, saving 401ks, and actively planning for retirement? If so, you’re in the distinct minority.
Original text: Retirement Planning Software - How it Helps You Plan Your Retirement
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Sticker shock when you realize you’re pension-eligible? Learn how to recognize the five stages of receiving a pension.
Original text: Pension Sticker Shock - Don’t Show Me the Money
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Always keep in mind that Wills can be a useful place to look for information when researching family history. Women did leave wills sometimes, but most often you would find that it was the men.
Original text: Wills And Some Useful Information They Can Contain
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At the present rate of tropical deforestation, the world’s remaining tropical rainforests will vanish in just 30 years. By working together we can make a difference! Tropical American Tree Farms offers a unique retirement investment opportunity which helps save the tropical rainforests.
Original text: Unique Retirement Investment Helps Save Tropical Rainforests
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Our health and activity level passes through 3 phases during retirement. And that’ll alter our living options and expenses. By recognizing this, you can modify your living expenses now to suit your wishes and happiness. I’ll outline these phases and the actions you can take to optimize your lifestyle choices by minimizing your expenses.
Original text: […]
The market is filled with startling truths that, while contrary to conventional wisdom, explain why long-term success can feel so elusive. Every investor wants to succeed. The only reason we should ever invest is to achieve our financial objectives. The two key questions each of us must ask is how […]
There is a lot of talk about what people should be doing with their investments during this deep recession. 401Ks and savings have dropped by one-third to one-half for the majority of people. Most advice centers around traditional “wait and hold” strategies, figuring that when the market goes back up, you will regain […]
Starting a pension as early as possible is a great way to guarantee a comfortable retirement. So, should your children have a pension too?
Original text: Should Your Children Have a Pension?
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There are substitutes for everything but I wouldn’t chance substituting a sound retirement plan for the the grim alternative. However, I might plan to become a permanent resident aboard the Queen Elizabeth II as Bea Muller has done since 2005 and enjoy the privileges afforded by international law in open waters.
Original text: Retirement on […]
This article will discuss strategies to ensure your investments see you through inflation and your retirement, tailored to your age group. This is only a retirement planning guide, and you should consult your financial adviser prior to undertaking any large investments.
Original text: Retirement Planning - Age Specific Strategies
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There is no denying 2008 was a rough year for investors. To make matters worse, your personal worries may be compounded by gurus comparing today’s market to the Great Depression. Don’t fall for it. Give yourself the gift of perspective and patience this year. It’s the ideal way to […]
You thought you were safe. In fact, you specifically wanted to avoid the volatility of the stock market. You put your money in carefully selected bond funds with multi-star ratings. Each of the funds you picked exceeded the Lipper averages for their category and had a history of very strong cash yields. […]
How has this painful market downturn affected you? What questions are you asking and whose advice are you following as you sort through these uncertain times? Below is the answer I gave to one of my clients as we discussed the key question on so many investors’ minds, namely “What should I do?” […]
Maximizing portfolio value in all market conditions is the goal of almost all investors. The market was up nicely in March 2009, after a very rough January and February. Does this mean now is the time to find some hot trend or buy the latest and greatest mutual fund? […]