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When I was a practicing investment advisor I specialized in retirement planning. I would meet with my clients, review their savings and investments, and discuss their goals. Our discussion would involve how much money they wanted in their retirement and how I could help them by managing their ... Views: 1100
Want to book a cruise? Before you get out your credit card, check these tricks of the trade for a cruise deal.
BOOK EARLY
Booking three to six months in advance will often save you money, and also give the best choice of cabins. The earlier you book, the bigger the discount.
PAY EARLY ... Views: 1361
Enjoying your retirement is hard to do when you constantly think about your IRA income and other retirement investments. If you were honest you probably think about money and your investments several times a day.
You probably check the paper almost every morning or catch the news just to ... Views: 1156
Home Equity Conversion Mortgages, or HECMs, are insured and regulated by the federal government. Because these loans are so strictly regulated, many seniors are under the impression that all lenders offer the same experience. While lenders are limited in the fees they are allowed to charge their ... Views: 907
For a great number of us, work is the primary domain from which our sense of self is derived. For better or for worse, we live in a culture which strongly dictates that we identify with our work roles, defines who we are by what we do and routinely structures our lives so that we know where we ... Views: 2454
The months before retirement can be some of the most exciting in your life. Just think, no more alarm clock, battling rush hour traffic, endless and boring meetings, working with people who you don't particularly care for, and the tired term "doing more with less." Retirement is the solution to ... Views: 925
Whether you’re a senior looking to enjoy the golden years of retirement or a family looking to improve the standard of living of an elderly loved one, assisted living and independent living are two options that potentially offer the answer to your search.
For some assisted living offers the ... Views: 870
A profession in internet marketing is best for many senior citizens but especially those who might have established specials needs such as vision and hearing loss or minimal movement. Working from your computer system in the house lets you progress, earn that needed extra income easily and ... Views: 1774
Recently, a friend asked me whether I was worried about the current financial meltdown in the U.S. and what I was going to invest in. I asked him, "How crazy do you want to get?" I have been a pessimist about the U.S. financial markets for several years for many, many reasons. The truth is ... Views: 1247
Investments can be complicated and potentially risky ventures. The notion of your own retirement and financial well-being in your later years being "risky" or "complicated" is going to introduce fear into anyone who is making choices now that will impact their retirement savings - if you're ... Views: 1046
IRA income stress is very common among retirees but it doesn’t have to be! You can set up your income to go up with inflation, be guaranteed, and never go down. I had a fairly new retiree, let’s call him Mr. Jones, in my office the other day that had only been retired about 7 years. He ... Views: 1200
When people ask for suggestions on financial planning opportunities, I tell them two words. Roth IRA.
How great would it be if you didn't have to pay taxes when you take distributions from your retirement account when you retire?
Maybe you could retire earlier! Or you may be able to save ... Views: 871
Once you retire from work, don’t you wish to receive a steady income till your last breath? Don’t you dream to fulfill all your unaccomplished objectives during your retirement days? Well, it’s quite obvious for one to crave for a better and secured life after retirement. So, why don’t you go ... Views: 954
Should You Consider Long Term Care Insurance?
Have you ever helped an elderly friend or family member secure nursing care? If so, you may already know how expensive good nursing care can be. Of course, the cost will vary by the type of care that is needed. A full time nursing care facility ... Views: 2403
Aside from its low taxes New Hampshire is also known for being one of the states with the lowest crime rates, thus making it an ideal place to raise a family and to retire. Now New Hampshire long term care is something worth talking about because it is performed with a lot of heart.
Nursing ... Views: 884
When people think of retirement, they usually visualize senior travel, tourist adventures to exotic locations, visiting friends and family, getting involved in a senior activity, maybe at retirement centers, playing golf or other outdoor activities.
No matter how central your home, retirement ... Views: 1091
Julie had been a middle school teacher for 35 years and, while she loved her work, she was happily anticipating retirement. A few months into it, she found herself at loose ends, with no real motivation or focus. Something was missing. And that something, she realized, was a sense of purpose. ... Views: 1182
When it comes to retirement, among the leading concern is facing an event that requires long-term care and covering its costs. Despite of this, there is no reason to worry because you can prepare for it.
Currently, there are long-term care insurance policies available for care-related needs. ... Views: 1741
Presently, many retirees are looking at alternate sources of income much like the purchase of a reverse mortgage program given that they battle to survive on social security and savings on it's own. During the stock-market meltdown of 2008, quite a few mature adults lost an excessive percentage ... Views: 1132
For people who want to delight in retirement to your fullest and also have no funds worries in any respect, buying annuities is the smartest thing of all. You won't only have the ability to save lots of funds for retirement, any time you have all of the free time within the planet to take ... Views: 707
Frederick Ashton may be the an amazing individual when element comes to you for additional details on going to be the ballet and going to be the opera. There are a lot of those it is certainly plausible that are aware of that this man and what person has accomplished because they are familiar so ... Views: 1964
Low Cost Retirement in Mind? "Step Away From the Coasts"!
Most of the experts think that our economic mess could continue for the next few years. If you have just retired and are trying to figure out how to adjust to life with a smaller portfolio, this article might help with some perspective. ... Views: 1600
Nestled in the picturesque valleys of the Potohar Plateau, Islamabad is renowned for its natural beauty, lush green landscapes, and serene environment. As the capital city of Pakistan, it offers a unique blend of urban living with a connection to nature that many other cities lack. This ... Views: 145
While economist’s debate whether U.S. and global economies are already in what all agree will be a slow recovery, investors have seized on sprinklings of positive news to drive financial markets upward. With the end of August in sight, the most-quoted indices are all at their 2011 highs.
The ... Views: 1050
CMS Reminds Medicare Beneficiaries to Review and Compare Their Current Drug Coverage. On September 25, 2008, CMS Acting Administrator Kerry Weems announced the 2009 Medicare prescription drug and Medicare Advantage plan options for those of us enrolled in Medicare. Almost 97% of beneficiaries ... Views: 1247
“Memories may be beautiful and yet, what’s too painful to remember
We simply choose to forget.”
I came upon an interesting article in the April 2011 issue of "Discover" magazine. The article, written by Carl Zimmer, talked about the importance of our memories. The blurb says: “Rich ... Views: 1211
Most of us have moments or glitches when we have trouble remembering something that just happened, like where we placed our keys when we got home, or the name of someone you met 10 minutes earlier.
In younger people, there could be a host of reasons why these things happen. There are many ... Views: 2175
For elderly people and retirees looking for new adventure, beginning a unique pastime and picking up a new tool like a metal detector can be a pretty invigorating knowledge.
Taking up metal detecting after retiring may be a great idea in fact. Retired persons have a variety of knowledge to ... Views: 1496
Thinking about the end of your life is not a pleasant thing for anyone, at any age. We all know no one can live forever, but that doesn’t mean we want to think about death. Yet, preparation for the inevitable is critical. There isn’t a prerequisite age for having a will or life insurance, and ... Views: 980
A Death Dossier is a term many legal and estate planning professionals use to describe a portfolio containing the financial particulars, last wishes, insurance information and asset documentation of an adult. The name may be rather sinister in nature, but digging deeper we find the information ... Views: 990
“The pomp of death alarms us more than death itself.” (Lucius Annaeus Seneca, 4 BCE – 65CE). Those words are perhaps more true today than they were when Seneca the Younger first uttered them. All sorts of emotions play havoc on our nerves when we consider our own death. Anxiety, sadness, ... Views: 1142
or every grain of sand on the beach and every star in the sky, there is a different theory on life after death. No one really knows what happens. And it is that inability to find some tangible proof of the afterlife (if there is one) that is often replaced by a profound desire to control what ... Views: 1144
To retire is to stop something you are doing, thus leaving space to start something new—sometimes simply a time of rejuvenation and rest.
For some of us, retirement from our professional or work life is a distinct life marker. Other times, it is a seamlessly flowing transition from one ... Views: 1632
To retire is to stop something you are doing, thus leaving space to start something new—sometimes simply a time of rejuvenation and rest.
For some of us, retirement from our professional or work life is a distinct life marker. Other times, it is a seamlessly flowing transition from one ... Views: 1089
In a recent interview, I was asked the following question:
What are your best tips for single women who want to plan their retirement?
This was my answer:
1. If you haven't done so already, start to think about what a successful retirement would look and feel like for you. What do you ... Views: 2246
When you are planning on the future you need help from those who are experts and care about your future. Naperville retirement planning programs have proven to be beneficial. The important part of planning for the future understands where you are currently with your financial portfolio. This is ... Views: 811
The very concept of retirement is flawed. It is based on several false premises. First is the premise that at a certain age you are no longer able to provide economic value. That is clearly nonsense as shown by the many millionaire entrepreneurs and business people in the sixties, seventies and ... Views: 1292
After years of lax enforcement, the IRS is starting to systematically search out violations of the confusing rules governing individual retirement accounts. That's not a small undertaking and there's a lot at stake. Americans hold $4.3 trillion in IRAs, and even the most innocent mistake can be ... Views: 1067
Many people speak and write about living a harmonious life. Some of those people offer guidance that amounts to trying to help readers or hearers align their lives to the life of the writer/speaker. And many readers/hearers actually listen for a specific set of steps that will create harmony ... Views: 1235
I took care of a man in my clinic the other day who had retired a few months before. He had worked hard all his life; he was honest, hardworking and raised children that were fairly successful. He was in my clinic because he was depressed. He was depressed because he felt like he no longer had a ... Views: 1338
Did you dream of the day you could retire? As the days approached, did you say to yourself “when I retire I’m going to do all the things I haven’t been able to do because I’ve been so busy working and earning a living”. Retirement should be a time where you can take it easy, slow down the pace, ... Views: 5735
People often think to shift at a safe, economical and beautiful place after their retirement. Panama is one of the ideal places to live after retirement and it is considered among the most suitable retirement havens. This Latin American country is renowned for its beautiful scenic mountains and ... Views: 1100
After struggling hard in professional and personal life, several individuals wish to spend a comfortable and hassle free life after their retirement. Panama is a beautiful destination, where senior citizens can live a holistic lifestyle after retirement. This splendid retirement destination ... Views: 1014
According to a 2010 survey completed by MetLife Market found that the chief concern was about having enough steady income and reserves to cover expenses at retirement and the cost of senior health care, as reported by 32% of respondents surveyed. This is regardless of whether they plan to retire ... Views: 1391
Retirement living homes are special types of residences, which are designed for those individuals who have retired from their professional or working lives. These homes incorporate different types of apartments, depending upon the needs and requirement of the investors. The modular home ... Views: 977
As many as 110,000 women retiring this year could lose more than £20,000 of state pension over their remaining years simply because they were born on the wrong date.
Rules coming in next month will create a ‘pensions apartheid’ between people who were born just months apart, campaigners ... Views: 780
Planning for your retirement while you are still working is a good idea. Especially if you are looking forward to a peaceful and tension free retired life, make sure you start your planning early. The biggest problem you would probably face after your retirement is related to your finances since ... Views: 1143
Retirement doesn?t imply the end of an active lifestyle. Really the contrary, it opens up new opportunities for a lot of new activities. Some retirees substitute voluntary community function for their former function. This provides definition or which means to their roles following ... Views: 1245
Retirement - the word means many things to many people. For most, it signifies freedom; freedom from the constraints of having to go to work somewhere five days a week and the necessity of living your life around the 40 hours per week you need to earn income. It means you now have the ability to ... Views: 798
As I approach my seventieth birthday, I look back in wonderment at my careers, defined in the broadest sense, as a student (to age 33!), then a physician and consultant, as well as a real estate developer, and more recently, as an author, publisher, and keynote speaker. Today in my “early ... Views: 4565