Retirement Spending
Found 156 Articles.
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A New Scam: Fake Funeral E-mails
The most common e-mail and computer scams are designed to have you click on a link in the e-mail or an attachment to it. The result is malware downloaded to the computer. Malware might do a range of different things. It might give the scammers access to or information on your computer. Or it might […]
Helping Adult Children: Tired of Being the Family Bank?
These days a lot of parents or grandparents find themselves acting as the family bank or ATM. They provide financial assistance to family members who should be financially independent. The trouble is, unlike a real bank, you don’t get repaid most of the time. Many people find they are reducing their standard of living or […]
The Truth About Frauds and Scams
The Wall Street Journal had a good series of articles recently about financial frauds and particularly how the elderly are targets for them. (Subscription might be required for some or all of these articles.) This article explains the extent to which the elderly are the targets of most frauds and make up most of the […]
Estimating Retirement Spending
The estimate of retirement spending is the linchpin of most retirement plans. You have to determine the cost of the lifestyle you want and use that to assess how much money you need from then nest egg each year. If your nest egg can’t sustain that level of spending, you need to modify the expected […]
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Avoiding the Obamacare Scams
The most significant of the Obamacare reforms take effect Jan. 1, 2014, and are receiving a lot of publicity. They’re also bringing out the scam artists. Here are some points you need to know. Medicare beneficiaries aren’t required to make any changes because of Obamacare. There are no Obamacare cards or similar documents for anyone. […]
Discovering Discounts for My Readers
The easiest way to increase your standard of living or extend the life of your nest egg is to save money. Reducing the cost of anything keeps more money in your pockets. You can spend the savings on other things or keep it invested to generate more money for the future. Time put into creating […]
Revisiting the Safe Withdrawal Rate
You probably have heard about the magic of the 4% rule, or the safe withdrawal rate. Unfortunately, this rule never was magic and now needs to be re-examined and revised. Otherwise, too many retirees are at risk of running out of money. The 4% rule was generated from attempts to answer the question: How much […]
Protecting Yourself from ID Theft
Identity theft isn’t making the headlines it did a few years ago. Yet, it’s still a problem. The FTC estimates that annually about 9 million Americans have their identities stolen, and this costs consumers about $5 billion. The FTC says fixing your credit after a theft takes about 175 hours and costs $1,173. In addition, […]
