Retirement Spending
Found 157 Articles.
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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, […]
Avoiding Scams in 2013
You’re a target for scams and financial abuse. That’s a fact we all need to acknowledge. Fortunately, you can take steps to reduce your risk, and many of these steps are very easy to do and cost little or no money. Fraud and financial abuse are not the same thing. You know what fraud is. […]
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Targeting Veterans for Scams
Senior veterans need to be alert for scams and financial abuse targeting them. In our December 2011 visit we explained how the Aid & Attendance benefits for vets provide assisted living and nursing home financing for many vets. Aid & Attendance and pensions are the hooks on the scams. They benefits are available only to […]
Why Retirees Go Broke
Medical expenses are the leading source of debt for America’s silver generation, according to a new survey. That shouldn’t be a surprise. Many people before retirement or early in retirement report that one of their greatest fears is not being able to pay all their medical expenses. Survey also show that most people don’t know […]
Adult Children – Dealing with Boomerang Kids
More and more adult-aged children and grandchildren are moving back to their parents or grandparents’ homes. They don’t have jobs, and their job prospects aren’t good. Adults used to need help on how to deal with the empty nest. Now, they need help on the best ways to handle their adult offspring who aren’t moving […]
Making Financial Management Easier
I’ve long been an advocate of concentrating your investments and financial matters at one or two mutual fund companies or at a discount broker. Consolidation makes it easier to know what’s in your portfolio and be sure your allocation is what you intend. Consolidation reduces procrastination, because you won’t be deterred by the time needed […]
