Retirement Spending

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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 […]

Building a Firewall from Abuse and Scams

February 1, 2016

You can take steps now to protect yourself from financial abuse and scams in the future. Older Americans are the most likely targets and victims of these acts. Preparation is necessary to avoid losing wealth and dignity to the perpetrators. The crooks look for vulnerable people. By the time you’re vulnerable, it’s often too late […]

Strategies for Spending Your Nest Egg

July 1, 2015

The missing link in many retirement plans is the withdraw-al, distribution, or spending strategy. Accumulating for retirement is the easy part, and many people enter retirement with what seem to be adequate resources. Yet, a high percentage of Americans die owning their home equity and little more. Most rely heavily on Social Security to fund […]

Social Security, Inflation, and Interest Rates

July 1, 2015

Many people benefit from delaying their Social Security retirement benefits until at least full retirement age. Delaying until age 70 can be an even better deal. For years I’ve shown people how to calculate the difference using what I call the quick-and-dirty method. The method involves calculating how many years you need to live after […]


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The Elderly and Crime

June 2, 2015

Most discussions of the elderly and crime point out that the elderly are likely to be victims of crime than younger people are. But this article says that the new trend worldwide is for older people to commit crimes. The theory is that they haven’t saved enough for retirement and can’t keep regular jobs, so […]

Forecasting Retirement Spending Updated

May 7, 2015

A researcher at Morningstar recently received an award for an article that appears to be consistent with what I’ve been writing for years. Most retirement plans forecast spending incorrectly. They take a starting spending level that usually is an arbitrary percentage of pre-retirement income. Then they assume the spending increases each year at the same […]

Closing the Door to Your Greatest Fraud Risk

January 1, 2015

Your greatest risk of being scammed or having your identity stolen might be one you don’t suspect. The big headlines are generated when information thieves access the databases of major retailers or other well-known businesses. But the headlines are behind the times. Medical records are the latest hot target of information thieves. A medical record […]

Avoiding Financial Scams and Abuse

December 1, 2014

The world is rife with financial fraud and abuse, but many people don’t know enough about it, to their detriment. Even people who think they know the facts of financial fraud and abuse don’t, especially those most likely to suffer from it. You need to under-stand financial fraud and abuse, and then prepare and take […]

November 2020:

Congress Comes for your Retirement Money

A devastating new law has just been enacted, with serious consequences for anyone holding an IRA, pension, or 401(k). Fortunately, there are still steps you can take to sidestep Congress, starting with this ONE SIMPLE MOVE.

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