Retirement Spending
Found 154 Articles.
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Scams That Target The Elderly
This article from Charles Schwab & Co. explains why scam artists like to target the elderly and discusses steps you can take to avoid scams. One of the best ways to help protect yourself from financial exploitation is to stay connected to the people in your life. Scam artists often befriend lonely older people, only […]
Are You Saving Too Much for Your Retirement?
The media regularly run headlines about how Americans are unprepared for retirement, primarily because they haven’t saved enough. But there’s another view that doesn’t receive as much attention. In this view, many people might be saving too much for retirement. That could be good news for their heirs, but they could be shortchanging themselves. And […]
Protecting Your Social Security Benefits from ID Thieves
Identity theft continues to grow, and your Social Security benefits are a favorite target of the identity thieves. After the thieves obtain your Social Security number and other personal information, they apply for benefits in your name, if you aren’t already receiving benefits, and have the money deposited in their own accounts. If you’re already […]
How to Plan Life Expectancy in Your Retirement Strategy
It’s one of the most important issues in anyone’s retirement plans… And most people completely shortchange it, resulting in a wildly inaccurate plan. You see, a goal of every retirement plan is to ensure your income and cash flow last at least the rest of your life. To meet that goal, you need a reasonable […]
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Why Consumers Aren’t Spending More – The Impact of and Aging Population
This brief article from some Federal Reserve economists explores the question of why in recent years consumers haven’t been spending as much as expected. Given recent increases in incomes, home prices, and investment prices, spending would be higher if consumers tracked behavior before the financial crisis. The authors consider the effects of psychological effects of […]
5 Strategies to Simplify Your Retirement Finances
Most people’s finances are too complicated. And what I’ve found – after 20-plus years of publishing Retirement Watch – is that complicated finances lead to procrastination and stress. Too much time is spent simply organizing papers and data to figure out where things stand. By then, people are too exhausted to make decisions or implement […]
Inflation Policy: The Inflation Limit Isn’t 2%
Since the Fed announced some years ago that its goal was to raise inflation to 2%, many people have interpreted that to mean the Fed will tighten policy significantly once inflation reached 2%. As this article makes clear, that’s not the case. The Fed wants to see sustainable inflation of at least 2%. It’s going […]
Government Acts Against Those Scamming Seniors
Governments at all levels have been warning about frauds against seniors for years. On Thursday, the Department of Justice announced that a group of agencies had been working together and was taking big action. It filed charges against more than 250 alleged perpetrators of financial frauds against seniors. The charges also described the scams used […]
