Found 153 Articles.
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Retirees depend on their nest eggs for much of their cash. When money is needed, they plan to raise it from either income generated by the nest egg or sales of assets, such as mutual funds or stocks. And most people enter retirement with no other ways of raising cash. Selling more assets to raise cash incurs costs. One […]
Even the largest firms are unable to keep their data systems from being hacked. That’s why it’s important to aggressively protect your financial accounts from hacking. This article presents a good review of the actions to not, and not to take, to maximize protection of their accounts. You should also be wary of calls, texts […]
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 […]
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 […]
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.
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 […]
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 […]
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 […]
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 […]