Learn to live within your means and be debt free. Increase savings, invest to grow your money for retirement. Watch out for scams, scums and the schmucks of the financial world. Get more information from books and seek help from financial advisers.

Do not regret growing older. It is a privilege denied to many - Unknown.

Keep in mind, investing involves risk. The value of your investment will fluctuate over time and you may gain or lose money.

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Why Living Longer Will Hurt the Economy

Tuesday, October 18, 2011, 3:00 AM | 3 Comments

Everyone wants to live into a very long and healthy retirement. It is human nature to protect ourselves and do everything possible to stay alive. In a recent interview on TechCrunch, futurist Sonia Arrison claims that our medical engineering capabilities will allow people to soon live well past the century mark and even up to […]

Steps For Rolling Over 401(k) Into IRA

Sunday, May 1, 2011, 2:00 AM | 2 Comments

A time may come that you are no longer satisfied with the performance your 401(k) retirement account. As we all know, it can be provided only by your employer. It is commonly known as employer-sponsored retirement plan. Because of this dissatisfaction, many people decide to move their money from a 401(k) to an IRA rollover […]

Withdraw Money From Retirement Without Penalty

Tuesday, April 26, 2011, 2:00 AM | Leave Comment

The unemployment rate is still very high so is underemployment. In some companies, the layoff is still going on. On the same token, some companies have begun to hire. Hopefully, you still have a job as more than 90% of Americans do. However, if you have been recently laid off, you might have a severance […]

Funnel Your Credit Card Rewards Into Retirement Savings

Saturday, April 9, 2011, 2:00 AM | 9 Comments

Historically, different credit cards have offered a variety of cash back rewards. For example, Frequent-flier miles, Cash-back rewards, Gas rebates, etc. Now you can funnel your credit card rewards into retirement savings. You can apply for Fidelity Investments’ new Retirement Rewards Card at 800-343-3548 or at Fidelity.com. After you have earned enough points, the card […]

Tips To Fix Excess Contributions To 401(k) And IRA

Saturday, December 11, 2010, 3:28 AM | 3 Comments

U.S. News & World Report – There are many ways to save for retirement. You can open a Roth IRA with a financial institution, contribute to a 401(k) or Thrift Savings Plan account through your employer, make contributions to a self-employed retirement plan, or use some combination of these accounts. Having several retirement accounts to […]

Social Security Benefits Will Not Increase Next Year

Saturday, October 16, 2010, 1:39 AM | 2 Comments

The Social Security Administration announced on Friday that Social Security benefits will not increase automatically next year. The reason is that inflation has been low for a couple of years now. This is the second year in a row that the benefits have not been adjusted for inflation. The Social Security Administration’s announcement applies not […]

Retirement Planning Must Be In Practice Not In Theory

Thursday, September 9, 2010, 8:00 AM | Leave Comment

There was a time when most folks would work for a company all their lives. They then would retire with whatever pension funds they had accumulated in the company. There were no planning per say for retirement. It was kind of given that along with social security, folks would retire relatively in comfort. So retirement […]

Problem With Carrying Debt Into Retirement

Tuesday, August 17, 2010, 6:51 AM | 2 Comments

Recently a new concept has been created that it’s OK to carry debt into retirement, including home mortgage. There is a big problem with that. Your income is a lot less than when you were working full time. You must service your debt, there is no way out. If the debt is at the proportion […]

Tax Advantages of HSA Save You Three Ways

Monday, August 16, 2010, 1:06 AM | Leave Comment

Health Savings Accounts, HSAs, are a good long-term savings vehicle because of their significant tax benefits. When used for qualified health care expenses, HSA offer a triple tax savings: Contributions are tax deductible Grow tax deferred Can an be withdrawn Federally tax free unlike withdrawing from IRA or 401(k) accounts. If your employer offers you […]

Revisit Your Retirement Portfolio For 2010

Tuesday, August 3, 2010, 9:39 AM | Leave Comment

More than half of the year is gone never to return. We already know we need to stash away some amount of money for retirement while still years away from the more active life [be active in retirement.] But what if you are already living in retirement or close to retirement. What can you do […]