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Retirement

Best Online IRAs for 2017
2 weeks ago

Best Online IRAs for 2017

Opening an Individual Retirement Account (IRA) is one of the most recommended steps for people of any age to take in preparation for retirement, whether that day is decades away …
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What To Do if You Are Forced to Retire
2 months ago

What To Do if You Are Forced to Retire

With the continued downsizing of companies, in addition to various small businesses getting bought out by major corporations, more and more baby boomers are being forced into retirement before they …
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50 and No Nest Egg: What’s a Girl to Do?
2 months ago

50 and No Nest Egg: What’s a Girl to Do?

There are a few facts in life that we cannot avoid. One, we are all born to grow old. Two, we’re expected to pay taxes. And three, if you don’t …
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Retirement Savings: What Age Should You Plan to Die?
3 months ago

Retirement Savings: What Age Should You Plan to Die?

The good news is that people are living longer, but the bad news is that many of us are financially unprepared for these longer lives. In fact, many people assume …
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How to Build Wealth From Nothing
5 months ago

How to Build Wealth From Nothing

Everybody wants the security that comes from having their finances in order and building wealth. Even if you have nothing now, you can start applying wealth-building techniques to achieve your …
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IRA vs. 401(k): Which One is Right for You?
6 months ago

IRA vs. 401(k): Which One is Right for You?

As you plan for retirement, you might be thinking about opening an account that will help you save money for that period of your life. However, you come across the …
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5 ‘Out of the Box’ Investments to Help With Your Retirement
6 months ago

5 ‘Out of the Box’ Investments to Help With Your Retirement

Whether retirement feels right around the corner or miles away, it’s never too late to start investing for the future. If you’re looking for a few unique ways to begin …
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5 Financial Mistakes You Made in Your Twenties – And How to Fix Them
6 months ago

5 Financial Mistakes You Made in Your Twenties – And How to Fix Them

Financial finesse often comes with age and experience. This later-in-life refinement often means you made some less-than-stellar money decisions in your younger years. The following are five financial mistakes you …
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What is an SEP IRA?
10 months ago

What is an SEP IRA?

If you’re looking for a good way to save for retirement while lowering your tax burden, an SEP IRA could offer the advantages you need. SEP IRA stands for …
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Already Retired? 4 Ways to Make Your Money Last
11 months ago

Already Retired? 4 Ways to Make Your Money Last

Most Americans look forward to retiring, but a lot of them don’t know how they can afford to live without steady sources of income. If you don’t have substantial …
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Best Ways to Play Retirement Saving Catch Up
11 months ago

Best Ways to Play Retirement Saving Catch Up

It is always wise to start planning for retirement early, yet many people often find themselves with little in actual savings when retirement age draws closer. There are many …
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Money-Savvy Graduation Gifts
12 months ago

Money-Savvy Graduation Gifts

Few young people learn the skills they need to build strong financial lives. They simply never get the exposure they need to develop habits like saving and investing. As …
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Life Insurance as a Retirement Plan
1 year ago

Life Insurance as a Retirement Plan

There are many viable options for planning for retirement, but how many of you have considered using your life insurance policy in order to plan for retirement? Although you …
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4 IRA Mistakes Everyone Makes
1 year ago

4 IRA Mistakes Everyone Makes

Opening an IRA is one of the smartest ways to lower your tax burden and save money for retirement. Unfortunately, a lot of people make mistakes with their IRAs. Avoid …
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What to do With Your 401(k) When You Change Jobs
1 year ago

What to do With Your 401(k) When You Change Jobs

The nature of building a career in today’s marketplace often involves switching companies as your skills and ambitions grow. If you’re about to change your place of employment, you may …
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Should You Wait to File for Social Security?
1 year ago

Should You Wait to File for Social Security?

Social Security can help make life after 60 more comfortable. A lot of people, however, wonder when they should take their benefits. While that’s not an easy question to answer, …
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How Much Does TradeKing Cost?
2 years ago

How Much Does TradeKing Cost?

TradeKing is quickly becoming one of the most-liked online trading sites, if for no other reason than its pricing. TradeKing has some of the lowest fees of any other online …
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How Can You Save for Retirement While Paying Off Your Debt?
2 years ago

How Can You Save for Retirement While Paying Off Your Debt?

Two major concerns many Americans face today are credit card debt and retirement savings. Saving for retirement seems like an impossibility when you have sizable credit card debt, simply because …
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How to Account for Inflation When Saving for Retirement
2 years ago

How to Account for Inflation When Saving for Retirement

Figuring out how much to save for retirement can be tricky; you’re dealing with a set of factors you can’t be sure about. You don’t know your life span or …
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What Is Investment Crowdfunding?
2 years ago

What Is Investment Crowdfunding?

Investment crowdfunding is a popular method for raising money because it makes great use of the new, high-tech economy. Just because it is popular does not mean that it’s …
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Little-Known Investment Opportunities
2 years ago

Little-Known Investment Opportunities

Small-scale investors are not limited to a handful of familiar options. These days, online platforms offer private individuals the chance to step into the same financial arenas as the biggest …
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Which States Have the Lowest Taxes for Retirees?
2 years ago

Which States Have the Lowest Taxes for Retirees?

One of the biggest concerns for seniors is making their nest egg last as long as possible, and a good way to do that is to spend less and save …
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What Are Dividends? Your Guide to Retirement
2 years ago

What Are Dividends? Your Guide to Retirement

Securities that pay dividends are one investment option for retirement portfolios. Dividends are cash payments made quarterly or annually to people who own stock in a given company. The …
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Top 5 Money Tips for Anyone 55+
2 years ago

Top 5 Money Tips for Anyone 55+

Just as you are a different person at 55 than you were at 23, your personal investing strategies need to change as you grow older. Here are a few basic …
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What Is a Reverse Mortgage?
2 years ago

What Is a Reverse Mortgage?

A reverse mortgage is a type of home loan that doesn’t require any payments until after you die, as long as you continue living in your home. If you move …
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Why You Should Break Up with your Financial Advisor
2 years ago

Why You Should Break Up with your Financial Advisor

Most Americans are concerned about their savings. They want to be reassured that they have sufficient funds in their retirement accounts, emergency funds, and investments. 

Those concerns were …
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Why Banking on a Pension Can Be Dangerous
2 years ago

Why Banking on a Pension Can Be Dangerous

A pension is a retirement account for a worker that is maintained by the employing company or institution. Started in the private sector in the 1870s and heavily expanded throughout …
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Can You Live on Social Security in Retirement?
2 years ago

Can You Live on Social Security in Retirement?

Are you hoping to retire on just Social Security alone? You may want to think again. The amount of money you receive from your Social Security payments may not pay …
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How to Set Retirement Goals
2 years ago

How to Set Retirement Goals

If you’re like most folks, you’re probably already planning how to spend your retirement years. In order to enjoy the type of retirement you deserve, you should start planning as …
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Why You Should Throw Out Your Budget

Having difficulty creating and/or sticking to a budget? Or trouble getting on the same money page as your partner? Hate the constraints of a monthly budget? Experts now suggest you …
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What Happens When You Have to Retire Early?
2 years ago

What Happens When You Have to Retire Early?

Most workers plan to work until age 66 or 67, but some find themselves unemployed too soon because of cutbacks, illnesses, or having to care for a family member. Many …
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3 Cheap and Beautiful Places to Retire
2 years ago

3 Cheap and Beautiful Places to Retire

Once you retire, you may want to celebrate your new freedom by looking around the world for the perfect location in which to live. Many retirees find that living abroad …
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How Working Past Age 65 can Hurt Your Finances
2 years ago

How Working Past Age 65 can Hurt Your Finances

Every month, approximately 250,000 Americans turn 65 years of age. For most, retirement represents an opportunity to enjoy life and the leisure activities for which they simply didn’t have time …
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How to Plan for Retirement When You are Almost Retired
2 years ago

How to Plan for Retirement When You are Almost Retired

Everyone knows that saving for retirement is important, but that doesn’t necessarily mean that everyone has managed to get it done. Social Security provides an average of $1,294 per month …
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401(k) Tips for Major Career Milestones
2 years ago

401(k) Tips for Major Career Milestones

Maximizing your 401(k) during every phase of your career is crucial to ensuring you can enter retirement comfortably. Keeping a strong 401(k) requires that you make money, of course, but …
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How Do I Avoid Taxes in Retirement?
2 years ago

How Do I Avoid Taxes in Retirement?

Taxes are a well-known part of every employee’s life, but unfortunately they don’t disappear even when people retire. Considering that many people are financially unprepared for retirement, keeping one’s tax …
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Are Annuities a Good Retirement Option?
2 years ago

Are Annuities a Good Retirement Option?

Annuities, what are they? Is this a good retirement option for you? Annuities can be a retirement tool used in addition to traditional retirement savings such as 401(k)s or IRA’S. …
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Smart Retirement Planning: 5 Simple Tips to Follow
2 years ago

Smart Retirement Planning: 5 Simple Tips to Follow

More and more Americans are living a longer more fulfilling life, which is great news. But longer life spans equal greater retirement needs, so what is the best way to …
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Best Retirement Plans for Self-Employed Professionals
3 years ago

Best Retirement Plans for Self-Employed Professionals

Are you one of the 10 million Americans who own a small business, work part-time or work as a consultant/contractor?  Between 6%-7% of Americans are self-employed. Self-employment comes with a number …
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5 Simple Ways to Grow Your Retirement
3 years ago

5 Simple Ways to Grow Your Retirement

Think you need a huge financial boost in order to grow your retirement savings? You don’t. In fact, a few simple tricks can mean a huge payoff during your golden …
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4 Ways We Sabotage Our Retirement
3 years ago

4 Ways We Sabotage Our Retirement

Investing for retirement can be complicated, but that doesn’t mean that we should leave ourselves unprepared for our golden years. Putting a little effort into retirement planning now can make …
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What Are Reverse Mortgages? Should I Get One?
3 years ago

What Are Reverse Mortgages? Should I Get One?

The most simplified explanation of a reverse mortgage is that it is a loan for people 62 years of age or older that uses the equity in their home as …
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What Retirees Wish They Knew About Retirement Savings Earlier
3 years ago

What Retirees Wish They Knew About Retirement Savings Earlier

Retirement is supposed to be a golden time when people reap the rewards of having worked hard and spent wisely throughout their working lives. Not only do retirees have more …
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Will 401(k)s be Obsolete in 30 years?
3 years ago

Will 401(k)s be Obsolete in 30 years?

401(k) retirement plans have only been around for a little more than 30 years, but will they still be around in another 30? 401(k)s were created as a way for …
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When is a Financial Planner a Smart Idea?
3 years ago

When is a Financial Planner a Smart Idea?

If you’re considering hiring a financial planner, you’re probably balancing the cost of their professional services against the time you’ll save from not having to manage your own finances, as …
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Tax Return Spending that Pays off
3 years ago

Tax Return Spending that Pays off

According to the IRS, the average tax return will be around $2,755, with more than 74% of Americans receiving money back this year. As tempting as it is to blow your …
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Top 5 Personal Finance Books
3 years ago

Top 5 Personal Finance Books

This list of the top five personal finance books offers a wide range of viewpoints, where they discuss many aspects to life but with a money focus. The books provide advice …
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Should You Save for Retirement or Your Kid’s Education First?
3 years ago

Should You Save for Retirement or Your Kid’s Education First?

Which should you save for first: your retirement, or your children’s education?

An increasing number of financial planners are advising their clients to start saving for retirement first before putting …
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4 Ways to Invest Your Tax Refund
3 years ago

4 Ways to Invest Your Tax Refund

When you complete your tax return, one of the things you most look forward to is getting a tax refund. You should use this money to shore up your finances. …
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Do You Know Your Retirement Number?
3 years ago

Do You Know Your Retirement Number?

How financially ready are you for retirement? If you don’t have a clue, you’re not alone. According to the Transamerica Center for Retirement Studies, only one in 10 people know …
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