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Many people are familiar with the 4% rule, or the safe spending rate. Research indicates you can withdraw the same inflation-adjusted amount from your nest egg for at least 30 years if you withdraw about 4.2% the first year. But a lot of assumptions go into that number. This article points out that one assumption […]
A CNBC reporter decided to see if she could live for two months on $60 per week, after her fixed expenses. As a progress report she offers these five strategies on enjoying your life while spending less. It’s all good common sense. One thing I’ve noticed is that, regarding money, today’s young adults are more […]
Just hours after the Nov. 8 U.S. election results were known, Wall Street’s analysts and economists decided they knew exactly what a Donald Trump administration would mean for the economy and markets. Investors agreed so readily that the first two years of Trump policies already seemed to be reflected in the markets within the first […]
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 […]
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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 […]
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 […]
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 […]
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 […]