Retirement Spending
Found 156 Articles.
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Red Alert for Financial Frauds
The financial crisis means it is time to be on high alert for financial frauds. Scamsters know this is the best environment to find vulnerable targets. I dug through my files recently for a 2004 Wall Street Journal interview with imprisoned scamster Eric Stein. He laid out how frauds operate and why now is a […]
Senior Protection Moves to the Forefront
Seasoned investors might find reduced opportunities to receive free lunches and other treats. But they will gain better and swifter legal protection. After decades of bearing the brunt of most financial scams, senior Americans are receiving help. Scams that involve possible fraud against senior investors will be on the investigative fast track. The Financial Industry […]
8 Simple Strategies to Improve Cash Flow
Prices of key goods are high and rising, and most investments are down. Higher costs and lower income mean times are getting a bit tougher financially, and people are being more prudent with their money. Smart money moves don’t have to be painful. People can increase their cash flow with a little bit of work […]
Handling Retirement Financial Surprises
Financial surprises in Retirement can blow a hole in your plans. Particularly for early retirees, surprises are very damaging to well-laid plans. The scenario occurs with frequency. A couple diligently worked up a detailed plan that covered all the expenses of their desired lifestyle. They ventured into retirement secure in the belief that they were […]
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Basic Steps to Limit Vulnerability to ID Theft
There have been changes in our knowledge of ID theft. We know more about the crime than in the past, and there are some new trends. One trend is that the growth rate of the crime is slowing. A few years ago it was by far the fastest-growing crime, with new cases increasing by at […]
How to Preserve Retirement Capital
The greatest fear about retirement is running out of money. There are three risks that could cause one to run out of money. Investments could earn less than estimated; the retiree might live much longer than anticipated; and spending could be greater than estimated, because of either inflation or higher consumption. In last month’s visit, […]
How to Vary Spending During Retirement
The traditional retirement plan projects that spending will rise steadily each year in line with inflation. That model does not work well for today’s retirees. When retirement lasts 20 or 30 years or longer, a more realistic model of spending and scheduled withdrawals is needed. A retiree wants to avoid a spending and withdrawal schedule […]
Surprising Tax Havens
State tax laws discriminate based on age, and that can be a good thing for some taxpayers. Even notoriously high tax states can be tax havens for retirees. In fact, Florida and other retiree magnets might not be the tax havens they are promoted as when the full tax picture is considered. Florida has no […]
