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The Part D Medicare Prescription Drug program is doing well after its first year. Surveys show that it is very popular with its beneficiaries. Premiums and other costs to beneficiaries are lower than forecast. Yet there still is room for mature Americans to reduce their prescription drug costs. Retirees who aren’t yet old enough for […]
Older Americans have most of the money, and crooks know that. So do people who operate within the law but beyond the usual definition of ethical, selling people products that aren’t appropriate for them. That is why we have a number of ill-suited financial products specifically pitched at those 55 and over, and especially at […]
Though it does not get much attention, a high percentage of the scams and thefts perpetrated on older Americans are com-mitted by their loved ones. The number of scams on the elderly and how much money is involved are unknown, but experts suspect that family and friends take advantage of retirees more than strangers do. […]
You might be more susceptible to investment and financial fraud than you think. New research found that the most likely fraud victims do not match the stereotype of a befuddled, uninformed senior living alone. The NASD Investor Education Foundation sponsored a study to determine who among senior citizens is likely to become a fraud victim, […]
What you don’t know about retirement can hurt you. In fact, just a few wrong decisions in your investments, taxes, or estate planning could completely derail your retirement plans. Worse yet, the rules of the game keep changing, making it harder to keep up. For these reasons, I’ve assembled all the key points – everything you need to know — into one comprehensive report. Click here today for free access.
ID theft is a booming business, and not always for the crooks. Firms are responding to fears of ID theft with new services. A host of ways now exists to protect you from ID theft or limit the damages from theft. Not all these services are effective or worth the money. Don’t be stampeded into […]
Americans approaching Retirement remain mistaken about key aspects of retirement. Becauase of this, they risk going into their nonworking years with inadequate resources. Retirement could be full of surprises for a number of Baby Boomers. An annual survey by the Employee Benefits Research Institute shows many Americans are confident about their retirement years. In the […]
Most retirement plans assume spending at a steady rate throughout retirement. That might have been a good idea when retirement lasted only five to 10 years, but today’s retirement is a very different case. Spending is not steady in retirement. This is not a small point. A plan that assumes steady spending in retirement might […]
Americans are living longer. Financial professionals and government officials realized this some years ago and have been studying what that means. Many individuals, however, are not aware of the significant changes in longevity and what it means for their finances. Longer Life Expectancy means longer retirements. Men who are 65 today will live on average […]