Retirement Spending

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Estate Planning

Could You Be Saving Too Much for Retirement?

November 10, 2016

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. Using […]

How Even Sophisticated People Are Scammed

October 13, 2016

People who never expected to be victims of scams and frauds often are victimized. The stereotype is that older people with reduced cognitive abilities are the most likely to be scammed. But many other people are vulnerable, and those who don’t fit the stereotype need to stay alert for potential scams. Self-confidence is one factor […]

Revisiting the 4% Rule

October 7, 2016

I’ve been a long-term critic of 4% as the “safe spending rate” or the 4% rule. The basic premise of the 4% rule is that to ensure your nest egg lasts through retirement, you should withdraw no more than 4% the first year and increase it by the inflation rate each year after that. This […]

Phone-Based Scams Directed at Seniors Soaring

June 16, 2016

Telephone scams targeting seniors are soaring, largely because technology makes the scams easier and cheaper to operate. The scams mostly are variations of the classics. The technology, however, allows crooks to be more prolific and make the scams appear more legitimate. Two types of technology have become cheaper and more readily available to crooks. Voice-over-Internet-Protocol […]

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Saving Money in the Changing Auto Market

June 16, 2016

Transportation is one of the largest expenses for most seniors, as I pointed out in our May 2016 issue. Major changes are underway in the U.S. auto market. Consumers who know about them and adopt the right strategies will reduce their transportation costs. Others will be caught in the sea change and increase the percentage […]

Closing the Door to Your Greatest Fraud Risk

April 3, 2016

The recent headlines about the theft of tens of millions of personal information from health insurer Anthem shouldn’t have been a surprise, and it is the type of action you should expect to hear about regularly. Your greatest risk of being scammed or having your identity stolen might be one you don’t suspect. The big […]

Retirement Spending Model

April 3, 2016

Bob Carlson of Retirement Watch has developed a Microsoft Excel spreadsheet that enables individuals to develop a custom model of their retirement spending. You will need Microsoft Word to read the instruction sheet and Microsoft Excel to work with the spreadsheet. Click on the links below to download the appropriate files. Retirement Spending Spreadsheet Instructions […]

Senior Discounts

April 3, 2016

A few years ago in the boom years I wrote that senior discounts at many businesses were becoming a thing of the past. As Baby Boomers aged they weren’t shopping around, and businesses didn’t feel a need to offer the traditional silver hair deals. They were phasing them out or significantly limiting them. The financial […]

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