Retirement Spending

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Retirement Dangers: Adult Children – Closing the Bank of Mom & Dad

December 13, 2017

This article explores a new study that found high percentages of older Americans still provide significant, regular support to their adult children. It also points out that this can endanger the parents’ retirement and gives tips for avoiding the problems. Cell phone bills, followed by transportation, rent and utilities, tops the list of living expenses, […]

Should Seniors Spend More? Are Retirees too Afraid of Running out of Money?

December 11, 2017

A number of financial advisors have a complaint about their clients that isn’t in line with widely-held beliefs. These advisors believe their clients aren’t spending enough. The clients have saved and invested well, yet they spend as though they were starting out in life. The advisors believe these seniors are depriving themselves. BlackRock recently completed […]

Retirement Mistakes – Adult Children: Closing the Bank of Mom & Dad

December 1, 2017

Many people enter retirement with sufficient assets, but they run out of money during retirement. A major cause of the shortfall is providing too much help to the children and grandchildren, becoming the Bank of Mom & Dad. This article discusses the problem and gives some ways to avoid falling into this trap. Two-thirds of […]

Yellen Surprised by Inflation

October 16, 2017

Anyone who’s monitored Fed pronouncements the last few years knows that the central bank has significantly overestimated inflation. While others have said forces were in place to keep inflation below what it would be at this point in a traditional business cycle, the Fed disagreed. In this article, Chairman Janet Yellen acknowledges the Fed’s been […]

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The Fight Against Senior Scams

October 2, 2017

Scams against seniors have been around for a long time, but efforts to combat them and protect seniors have been meager. That’s changed in the last few years. One act that accelerated protection for seniors was the Center for Disease Control declaring that financial abuse is a hazard to seniors. The CDC defined senior financial […]

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How to Build a Firewall Against Financial Scams & Abuse: 5 Action Steps

September 28, 2017

Everyone knows it’s older Americans who are the most likely targets and victims of financial abuse and scams. But it’s not just older people who fall victim. The crooks look for vulnerable people. By the time you’re vulnerable, it’s often too late to create real protection. Take action now, so that in the future you […]

High Inflation and Interest Rates on the Way? The Impact of an Aging Population

September 25, 2017

This paper argues that the low global inflation since the early 1980s is partly due to demographic changes. In particular, a growing global labor market kept a ceiling on wages, which kept a ceiling on prices. It also increased productivity. Those trend of a growing global labor market is reversing. Therefore, over the next few […]

Planning Your Spending Strategy

September 1, 2017

The spending strategy is one of the most import and yet overlooked parts of a retirement plan. The spending strategy — also called a distribution, drawdown, or withdrawal strategy — reduces the risk of running out of money during retirement by setting the maximum amount you should spend from the nest egg each year. I’ve […]

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