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Another survey of Americans in or near retirement has rolled out. This one is worth paying attention to because it’s not done by a financial services firm with an agenda to boost its business. Instead, the Society of Actuaries did another edition of a survey it’s been doing periodically for a while. The survey covers […]
Will your Social Security benefits be garnished to pay student loans? Apparently, that’s no unusual, according to a story in The Washington Post. The Federal Reserve, which tracks the details of household assets and liabilities, says Americans age 60 and over owe $36 billion on their student loans, and about 10% of that debt is […]
Social Security isn’t a major problem. It can be fixed with a few tweaks, and the sooner changes are made the easier the tweaks will be. That doesn’t mean every American will have adequate retirement income, says Clive Crook of Bloomberg. Social Security doesn’t replace a lot of working years’ income for most people, and […]
The good news is that Americans halted a several year slide in their confidence about being able to afford retirement. The bad news is that the confidence level is low and Americans aren’t any more confident than they were last year. That’s the conclusion of the annual 2012 Retirement Confidence Survey by the Employee Benefits […]
Economic security, or insecurity, on an aggregate basis is tough to measure. We’ve all seen the surveys that report the average American family has only a relatively few thousand dollars saved for retirement. But those surveys include all age groups. So the kids in their 20s just starting out are included with those in or […]
I’ve been saying for some time that retirement is changing. See my book, The New Rules of Retirement. One change I’ve expected is for people to work longer. Earlier and earlier retirements were a trend until the early 2000s. It makes sense for people to work longer because they’re living longer and staying healthier and […]
One of the first steps for anyone trying to plan for retirement is to use a retirement calculator. Often one of the many free calculators available on the web is used, though there are several available that charge modest fees. Of course, some people have a financial planner prepare the calculations using a software calculator […]
A lot has changed about retirement. What hasn’t changed during the years I’ve been helping people with their retirement plans is the level of misunderstanding about retirement. People continually are surprised by facts and insights that haven’t changed much for a while. Christine Benz of Morningstar collected 25 pieces of important data that tell a […]
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