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Category Archives: Retirement
Early Retirement Without a Huge Nest Egg
Many people dream of retiring while they’re still young enough to have some fun. Then they look at their bank balance, sigh, and decide that they will have to work until they’re eighty. This might not be true, however. Lots … Continue reading
Control Your Personal Economy
If you’ve watched much TV lately or listened to the radio, you’ve probably heard some of Fidelity’s new ads that say, “Let us help you take control over your personal economy.” Their website explains, “Your Personal Economy includes the things … Continue reading
Posted in Budgeting, Debt, Food / Groceries, Frugal, Personal Finance, Retirement, Saving Money
Tagged debt load, employment, Fidelity, frugality, global economy, national economy, personal economy, savings, spending pattern
3 Comments
What If You Don’t Want to Retire?
I have an uncle who is pushing ninety years old. He still gets up early, gets dressed, and goes to work every day and often on weekends. He doesn’t do it for the money; he’s covered in that department. He … Continue reading
Pay Attention: Changes Affect Money
I wrote a few weeks ago about how many people are upset about the end of the Social Security tax holiday. Now that tax rates have returned to 6.2%, many people are struggling to readjust their budgets because they’d come … Continue reading
Time Flies and It’ll Cost You
Last year there were changes to our health insurance plan. The employer has always used a high deductible plan and they have always been kind enough to contribute $2,000 toward that deductible. The money has always been available at the … Continue reading
Posted in Health, Insurance, Personal Finance, Retirement, Saving Money
Tagged Health, health insurance, health program, high deductible, preventative care, Retirement, time flies, wellness plan
1 Comment
Ten Things Seniors Need to Know About Purchasing Annuities But Don’t!
By Bob Hock If you walk into a meeting with any financial adviser, there’s a very good chance that the adviser will present an annuity for your nest egg. Annuities have turned into the Mr. Fix-It for all age groups. … Continue reading
Posted in Investing, Personal Finance, Retirement
Tagged annuities, annuity contract, index annuities, nest egg, SPIA
3 Comments
Planning for Old Age: You Need to Do More Than Save Money
You’d think that all anyone has to do these days to secure an enjoyable and comfortable retirement is save money. The media, financial gurus, and your employer harp on money as the end-all, be-all of retirement. Just get there with … Continue reading
Posted in Health, Personal Finance, Relationships, Retirement
Tagged bad habits, eat healthy, exercise, future planning, healthy retirement, long life, lose weight, old age, Retirement, Saving Money
5 Comments
Pushed Out of the Workforce. Are You Ready?
We all tend to think that retirement won’t come until we’re in our sixties or even seventies. We think we have plenty of time to save and prepare for that next phase of our lives. But what happens if it … Continue reading
Posted in Budgeting, Personal Finance, Retirement, Work
Tagged early retirement, financial plan, income sources, income streams, multiple incomes, save early, work skills
3 Comments
Finance Topics They Don’t Teach In High School, But Should
One of the biggest disgraces of the school system is that it often fails to teach basics that we all need for everyday life once we graduate. A prime example of this is basic personal finances. If we could get … Continue reading
Posted in Budgeting, Credit Cards, Debt, Education, Insurance, Investing, Personal Finance, Retirement, Saving Money, Taxes
Tagged Credit Cards, credit scores, Debt, Education, high school budgeting, high school finance, high school financial classes, high school loans, Insurance, interest rates, investments, money classes, retirement savings, stocks, Taxes, teaching finances, teaching money
9 Comments
10 Important Personal Finance Lessons Every Person Should Know
Managing your money is hard and the current times make it more so. The fact is, though, it’s never been more important to get a handle on your personal finances than in today’s economy. Regardless of whether you’re a wage … Continue reading
Top 5 Dying Regrets, Why I Won’t Have Them and Neither Should You
One of the most important life lessons that we can all learn is to seriously listen to and consider the advice from those who have more experience than we do. When it comes to the end of our life, most … Continue reading
The Best Financial Gifts You Can Give Your Kids
Whenever I read or post an article that suggests that someone cut down spending on their kids, I’m always amused (and amazed) by the outraged comments. If you dare to suggest to someone that is struggling that they cut down … Continue reading
Money Lessons Learned from “The Firm”
If you’ve ever read the book by John Grisham or seen the movie, “The Firm,” then you are familiar with the tale of corporate and personal greed that leads one man to almost lose his life and all of the … Continue reading
Retirement Planning: Consider Your Time as Well as Your Money
Retirement can be a scary thing. You wouldn’t think so, since so many people look forward to the day when they can stop working and take it easy. However, the financial and emotional adjustments can cause problems if you aren’t … Continue reading
Good Bonus Plan or Bad Bonus Plan? Would You Be Upset?
A friend of mine (who has been unemployed for over a year) was recently offered a job in her field with a good company. She didn’t take it. I was floored that someone who has been out of work for … Continue reading
Posted in Making Money, Personal Finance, Retirement, Work
Tagged 401k bonus, 401k match, 401k plans, bad bonus plan, bonus plans, good bonus plan
17 Comments
Stop Robbing Your Future Wealth
One of the hardest things for many people to see in relation to their finances is how their actions today are robbing them of future wealth. It’s easy to focus on today and think that if you can make the … Continue reading
Posted in Debt, Housing, Personal Finance, Retirement
Tagged car loans, Credit Cards, Debt, future wealth, home equity, Retirement
3 Comments
How to Use a Retirement Calculator
You’ve probably seen retirement calculators scattered all over the Internet. Almost every bank and brokerage firm has their own. You can also find them at sites like CNN Money or MSN Money. With so many available, you’d think that everyone … Continue reading
The Completely Tax Free Roth IRA: Strange Ways to Save
SavingAdvice is starting a new column that’s going to look at strange, offbeat ways to save and make money. Anything that’s a little odd, uncommon, or contrarian is fair game – as long as it’s legal. You probably already know … Continue reading
Why No One Saves for Retirement
If you follow financial news, you see the statistics all the time. The average 401(k) balance is $10,000. Or less, depending on the report. Seventy percent of Boomers haven’t saved nearly enough for retirement. Only fifteen percent of people eligible … Continue reading
What Happens If I Can’t Retire?
In financial circles the big push is to get people to save enough money so that they can retire in comfort. That’s a noble goal, but the fact is that more and more people aren’t going to be able to … Continue reading