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Money Over 55: Most Popular Articles

These articles are the most popular over the last month.
When Can You Tap Your 401(k) Money? Age is Key
The rules on 401(k) withdrawals change depending on how old you are. Here are how the 401(k) age related rules work.
Learn How Social Security Spousal Benefits Work
The Social Security spousal benefit applies to current, widowed, and ex-spouses. Here is how it works.
How to Survive a Stock Market Correction
Although scary, market corrections are normal. To be a successful investor, you have to know how to handle stock market corrections.
10 Things You Probably Don't Know About Divorce...
Here are ten facts about Social Security benefits for an ex spouse. Some of them may surprise you.
What Is Full Retirement Age For My Social...
Knowing your Full Retirement Age for Social Security benefits is important for two reasons. Get it wrong, and you may get less in benefits.
When Are Social Security Payments Deposited?
Need to know when your Social Security check will be deposited? Find the Social Security check schedule and answers to additional questions.
Where Is the Closest Social Security Office?
Social security office locations can be found by inputting your zip code into the social security office location web page at the link below.
Before You Claim, Try One of These Social...
Don't claim Social Security without calculating first. The right Social Security calculator can help you get more out of your benefits, particularly for married couples.
When Can I Start Collecting Social Security?
Your Social Security retirement age depends on your year and month of birth. Here's how it works.
Everything You Need to Know About Social...
You are eligible for a social security survivor benefit as long as you have been married for at least 9 months. Here's how it works.
Social Security Death Benefits - What Everyone...
There are two types of Social Security death benefits paid out. One is a lump sum. The other is an ongoing monthly benefit called a survivor benefit.
Want to Keep Working After Retirement? Don't...
Collecting Social Security benefits before full retirement age while still working may trigger the earnings limit. Here's how it works.
Why Taking Social Security at 62 May Harm You
Should you take social security at age 62... or not? Here are guidelines you can use to determine if it makes sense for you.
10 Best Retirement Investments
Looking for income producing investments for retirement? Here are the top 10 retirement investments to consider.
7 Things You Need to Know about Retirement Taxes
Will you pay taxes in retirement? Probably so. Here is a guide to what types of retirement income are taxed.
How to Take Money Out of Your 401k
Taking money out of your 401k plan the wrong way can be costly. Here's how you can take money out the right way - depending on your age and situation.
How to Calculate Social Security Benefits - A...
The formula used to calculate how much Social Security you will get is complex. Here is a step-by-step guide to how it works, with examples.
At What Age Do Required Minimum Distributions...
Here's everything you need to know about required minimum distributions.
What to Know Before Cashing Out Your 401k
Is cashing out your 401k plan a good idea? Is it even possible? Don't make a decision to cash out your 401k plan without knowing what you might be giving up.
4 Things to Consider Before Taking Early...
Here are 4 things you must know about early retirement and Social Security.
Are Social Security Retirement Benefits Taxed?
The amount of taxes you pay on Social Security benefits depends on something called your combined income. Here's how it works.
Close to Retirement? 5 Steps You Must Take Now
Short term retirement planning: 5 steps you must take within 5 years of retirement.
How to Choose the Right Pension Option
Should you take your pension as a lump sum or annuity? Here's how to do the analysis.
Want to Retire at 55? Consider These 3 Things
Here are 3 things to consider before you retire at 55.
Will I Pay Tax On My Home Sale?
Will I pay tax when I sell my home? What kind of taxes do you pay on home sales?
6 Ways Your Financial Advisor May Charge You...
Here are the 6 common ways financial advisors charge fees and how each pricing structure works.
Try These Retirement Income Calculators from...
Get a head start on retirement with these online retirement calculators.
7 Smart Ways to Earn Some Extra Money
Earning extra money is the fastest way to rebuild retirement plans. Here is a list of articles filled with tips and ideas on how to make extra money to jumpstart your own plans.
Retire at 62? Yes, If You've Considered These 3...
Aiming to retire at 62? Here are three things to consider as you make plans.
When to Retire? A Guide to Retirement From Ages...
Deciding when to retire is scary. This retirement guide is sure to help - it covers the essentials from ages 50 - 70.
What is Considered an Early Retirement Age?
Many Americans think of age 55 or earlier as an early retirement age. My definition of early retirement is any age before age 65. Here's why.
Investing in Stocks? Be Prepared for This
S&P 500 stock market returns from 1973 through year end 2013.
What's the Right Time to Apply for Medicare?
Almost 65? Over 65? Covered by a group health plan still? Not yet enrolled in social security? Here are the guidelines as to when and how you should apply for medicare.
Top 5 Questions About Social Security...
Here are 5 key things you need to know before you claim your Social Security benefits.
6 Ways a Divorce Can Affect Your Retirement
How does divorce affect your or your ex-spouse's Social Security? Here's what you need to know.
How to Know If That Condo Is a Good Investment
Is a condo a good investment? Here are the questions and calculations you'll need to make to determine the answer.
Things to Know Before Taking a 401k Hardship...
Not all 401k plans allow hardship withdrawals. If they do, here are the rules that apply.
7 Unexpected Places to Find Misplaced Money
You may have unclaimed money in old bank accounts, pension plans, forgotten 401(k)s, and at the IRS. Here are 7 ways to find it.
401(k) Withdrawals at Age 55
In some circumstances you can take withdrawals from a 401k plan as early as age 55. Here's when you can - and when you can't.
5 Dividend Paying Stock Research Websites
A cash dividend can be a welcomed income boost. Use these 5 websites to research which companies you may want as part of your investment portfolio.
12 Inherited 401k Distribution and Withdrawal...
You inherited money that is in a 401k plan. Here are the rules the apply to when and how you can take the money out.
How Much Do You Need to Retire? Follow These 4...
How much to retire? Great question. It takes some soul searching and some calculating to come up with the answer. These four steps will help you determine how much you will need to retire.
5 Dividend Income Index Funds Worth Investing In
Looking for dividend income? Here are 5 popular dividend paying funds.
3 Rules to Clear Up Confusion Over Spousal...
Confusion abounds over Social Security spousal benefits. Here are three subtle rules to know that will help clear up the confusion.
Ask These 5 Questions Before You Buy an Annuity
Five questions to ask before you buy an annuity. Page 5.
6 Rules to Make Your Retirement Savings Last
Learn the six withdrawal rate rules you must follow when creating a portfolio to generate lasting retirement income. These rules help you make appropriate adjustments to your withdrawal rate, reducing the probability that you will run out of money.
Important Facts About Social Security Earnings...
If you take Social Security benefits before you reach full retirement age, and you earn income in excess of the annual earnings limit, your Social Security benefits will be reduced. Here are the current and past years' earnings limits for reference.
4 Affordable, Reliable Index Fund Families to...
Index funds are a great investment choice. Here is a list of some of the very best index funds to choose from.
What You Should Know About IRAs and Age Limits
IRA age limits apply to Traditional IRAs but not to ROTH IRAs. Here are the IRA age related rules you need to know about for either type of IRA.
Looking for High Yield Investments? Start Here
Looking for yield? Here's a list of high yield investments that offer above average income payouts.
When My Spouse Dies Do I Get Social Security?
Social Security rules for widows and widowers are complicated. The amount you'll get depends on whether your spouse had or had not started their benefits, how old they were, and how old you are.
Could This Help You Get More from Social...
In many cases you must use a restricted application to collect one type of Social Security benefit while preserving your option to later switch to another type. Here is an overview of the restricted application rules.
Find The Best Financial Advisor in 7 Easy Steps
7 easy steps show you how to find the best financial advisor for you and your family.
6 Things to Think About Before Choosing a...
Your retirement age determines when and how you can access your retirement money. Retirement age rules vary from plan to plan and from country to country. Here are the things you need to know before you choose your retirement age.
Social Security Strategy for Marrieds - How to...
This Social Security may be a winning move for many married couples. Here's how to collect now - and later.
3 Things You Must Know Before You Buy Rental...
Here are the three things to consider before you buy rental property.
Estimate Social Security Benefits With These...
The official Social Security website provides three free calculators you can use to estimate your future Social Security retirement benefits.
8 Ways to Avoid the IRA Early Withdrawal Penalty
You may be able to avoid the IRA early withdrawal penalty tax - if you qualify for one of these 8 exceptions.
9 Rules for a Successful IRA Rollover
Here are 9 frequently asked questions about IRA rollovers. They'll explain what qualifies as a rollover, what does not, and what to watch out for.
Everything You Need to Know About Contributing...
2015 Roth IRA rules, complete with income limitations, contribution limits, historical limits, and much more.
How Much in Taxes Should I Withhold from my...
Before you start a pension you'll want to figure out if you should have taxes withheld, and if so, how much to withhold. Here's how to look at it.
How to Find States with Low Taxes for Retirees
You can have far more income to spend if you live in one of the best states for retirement income taxes verses one of the worst. Is it worth relocating? You never know until you start looking.
6 Ways to Keep Your Nest Egg Safe
Want to keep your nest egg safe? These six guidelines show you how.
Which Types of Retirement Income Are Tax Free?
Here is a list of common sources of retirement income broken down into taxable sources, partially taxable, and tax free.
Why Annuity Payout is Not a Rate of Return
Do not use immediate annuity rates when comparing annuities to other investment options. Here's why.
You Want to Avoid These 6 Social Security...
Social security claiming mistakes cost Americans billions. Avoid these costly mistakes and get more from your Social Security benefits.
How Wall Street’s Biggest Investment Scam...
Ever heard fees in an investment don't matter because of the great results? Don't fall for this. Here's why it doesn't work that way.
File and Suspend: A Social Security Strategy...
The file and suspend social security strategy allows your spouse to collect a spousal benefit based on your earnings record while you continue to work, maximizing your own benefit by accumulating delayed retirement credits.
3 Tools to Help You Estimate Required Minimum...
These 3 RMD calculators cover projecting future distributions, current year distributions, and required distributions if you inherited an IRA account.
The Scoop On ROTH IRAs - Are Withdrawals...
Are Roth IRA withdrawals tax free? Most of the time, but not always. Here's the scoop.
Stay on Track with a Simple Retirement Budget
Believe it or not, a retirement budget can lead to more fun in retirement. In addition, it can help you avoid one of the biggest mistakes people make in retirement: overspending.
When To Take Social Security - It's More...
One of the most important retirement decisions you will make is deciding when to take Social Security. Here are the factors to consider.
How Much are Medicare Part B Premiums in 2015?
2015 Medicare Part B premiums vary based on income - many don't know that the more you make, the more you pay. Here's how that works.
Married? Don't Make This Common Retirement-Age...
Married couples should not look at when to take Social Security the same way a single person would. H
5 Steps to Determine If You've Saved Enough to...
Are you saving enough to retire? Will you have enough to retire? Walk through these five steps and in five minutes you can come up with a simple yes or no answer.
Can Social Security Benefits Be Stopped or...
Can you stop Social Security benefits once you start? Sometimes. Here are the conditions that apply.
How to Use Capital Losses on Your Tax Return
Can a capital loss carryover to the next tax year? Maybe. Here's how it works.
2015 IRA Income and Contribution Limits Explained
2015 IRA rules - income and contribution limits explained. Make the most of retirement plan options and reduce your tax burdens when practical.
Benefits of Hiring a Good Financial Planner
What type of advice should you expect from a financial advisor? Here is what a good one will do for you.
Is Buying an Annuity a Good Investment?
Are annuities a good investment? In the right situation, they can be a good choice, but in many situations they aren't so great. Here's why.
How to Hire the Right Financial Advisor
Five questions to ask a potential financial advisor that will help you determine if they are the right financial advisor for you. These questions help you determine their level of integrity and their ability to communicate to you in language and terms you can understand.
3 Smart Ways to Invest Your 401k
No need to reinvent the wheel. Most 401k plan now offer foolproof ways to invest your 401k money. Learn how to identify these great choices.
Top 10 Must-Read Retirement Blogs
These 10 retirement blogs are ranked form highly academic and technical, to those geared toward beginners.
How Old Does My Ex Have to Be So I Can Collect...
How old does my ex have to be, 62, or 66, for me to be able to claim a spousal social security benefit?
The Easy Way to Estimate Retirement Expenses
Accurately estimating retirement expenses is one of the most important things you can do. Here's how to get started.
Average Retirement Age In The United States
The U.S. Census Bureau tells us the average retirement age in the United States is 62. Social Security however, defines 62 as your early retirement age. There are 5 steps you should take if you are within 5 years of the average retirement age.
Life Insurance After 55: How Much Do You Really...
Once retired, do you still need life insurance? Here are 5 questions to ask to find out.
Which Pension Benefit Choices Are Best for...
Pension plans will offer payout choices of life-only, joint and survivor, or life with ten years certain. Here's what to consider.
5 Things to Know Before You Invest Your...
Retirement is scary and figuring out where to put your retirement money isn't always easy. Here are five things you must know before you invest your retirement money.
Do You Believe This Common Myth About IRAs?
How do you find the best IRA rates? The answer will surprise you.
ESPlanner Basic Retirement Calculator Review
See why ESPlanner Basic is the best free retirement calculator we could find.
Should You Hire a Fee Only Financial Advisor?
What is a fee only advisor, and should you hire one?
Best Personal Finance and Investment Magazines
Pick one of these finance magazines, read them regularly, and you'll be amazed at what you learn in a relatively short amount of time.
Vanguard Retirement Income Calculator Review
Find the best retirement calculator for your situation, see pros and cons of popular retirement calculators, learn what they do well, and what their limitations are. Page 2.
Use Delayed Retirement Credits To Increase...
Want to increase your social security retirement income by twenty-five percent or more? Once you reach full retirement age, your benefits do not cap out. As a matter of fact for each year after full retirement age that you delay taking benefits, you will accumulate delayed retirement credits, which result in a permanent increase in your benefits of five to eight percent a year.
Looking for a Good Stock to Invest In?
Looking for a good stock to invest in? If so, you need to read this article.
Calculate Your Longevity. Here's How.
Estimating life expectancy can help you make better decisions in all aspects of your life. Here are 4 online tools to use that do the calculations.
Job Search Sites for Those 50+
The job search sites below are more than just job search sites. They help match employers who are specifically seeking older workers with older workers seeking work, and they inspire with stories of success, as wells as provide resources for those who want to start something new.
4 Ways to Divide Your Money Between Stocks and...
How much of my money should be invested in stocks vs. bonds?
5 Questions to Ask About Life Insurance Over 50
Do you need life insurance over 50? If so, how much, how should you buy it and who is it for? Here are 5 questions to ask about life insurance over 50.
3 Ways to Find the Best Mutual Funds for...
Finding good retirement mutual funds, and more importantly, learning how to use them, is an important part of investing in retirement.
Social Security Quiz
Social Security Quiz
5 Ways to Get Money Out of Your IRA
There are 5 types of IRA withdrawals; early (hardship IRA withdrawals are included in this category), regular IRA withdrawals (meaning you are over age 59 1/2), required minimum distributions (which start at 70 1/2), ROTH IRA withdrawals, and an IRA rollover or transfer.
How (and Why) to Use a Non-Deductible IRA...
Non deductible IRA contributions can be a great way for high income earners to get money into a Roth IRA. Here's how.
Want an Early Retirement? Follow These 3 Steps
Here are three steps you must take to plan for an early retirement.
How to Calculate Dividend Yield on a Stock
The dividend yield on a stock can change rapidly. Before you buy, make sure understand yield and what it is that you are buying.
3 Easy Ways to Get More Social Security Benefits
Take these steps to increase the amount of Social Security you will receive.
6 Investment Fees You Should Understand Before...
Investment fees will lower your returns, so find out whether you are responsible for these six investment fees before you buy.
Immediate Annuity Basics - What to Know Before...
Is an immediate annuity an investment? No, it is a risk management tool. Here's how it works.
AARP Retirement Income Calculator Review
This a review of AARP's retirement calculator. Additional retirement calculator reviews are provided in this series. Page 3.
Retirement Income Funds - How They Work
Retirement income funds share a common goal - to provide an all-in-one investment solution for monthly retirement income. Here's how they work.
5 Questions You Must Answer to Develop a Good...
Here are five questions you must ask yourself before starting an investment plan. Focus on purpose, timing, risks, budget, and choices to succeed.
Increase Your Social Security Benefits By...
Social security uses your highest thirty-five years of work history to calculate your social security retirement benefit. To increase your social security benefits make sure you have a full 35 years of work history. Think of this calculation like an average; if you have a zero as one of the numbers, it will pull the average down.
Social Security Survivor Benefits Differ From...
There are a few key differences between a social security survivor benefit and a social security spouse benefit (spousal benefits taken while your spouse is alive.)Understanding them can help clear up much of the information you find about social security benefits.
When Should I Retire? After Answering These 2...
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All About Deferred Annuities
With deferred annuities, you deposit your funds with the annuity company (by investing in either a fixed, variable, longevity, or equity indexed annuity) and the taxes on any investment gains are deferred until such time as you take a withdrawal.
Important Events on Your Retirement Plan Timeline
What to do and how to plan as you near certain retirement ages. Key ages are 55, 59 1/2, 62, 65 and 70 1/2.
T. Rowe Price Retirement Income Calculator
Find the best retirement calculator for your situation, see pros and cons of popular retirement calculators, learn what they do well, and what their limitations are. Page 4.
Pre and After-Tax Investments: Which One for...
Here's the difference between pre-tax and after-tax dollars.
How Rising Interest Rates Affect Bond Prices
When interest rates go up, bond prices go down. Why? Find out here - and see just how a change in interest rates can affect a bond's price.
6 Ways A Financial Planner Can Charge Fees
Unfortunately there is no such thing as a “typical” financial planner fee. Instead there are six ways financial planners may charge fees, which can vary from commissions to an hourly rate. Here are the six types of financial planning fees you may encounter.
Dive Into Dividend Income Funds
Looking for dividend income, but you don't really want to pick and choose individual stocks? It might be time to dive in and take a good look at dividend income funds. Dividend income funds do the work for you, owning a diversified selection of dividend paying stocks, and collecting the dividends and paying them out to you typically on a monthly or quarterly basis.
What Is a Good Return on Your Investment?
Where do you find a good return on your investment? It is harder than you might think. Here's why, and here's how to begin to figure out what is realistic.
How Salary Deferral Can Help You Save More
New to retirement planning? You'll often hear the term salary deferral. Here's what it means, how to get started with it, and why it's a good idea.
Should You Buy Real Estate with IRA Money?
Is buying real estate in an IRA a good idea? For most people, the answer is no. Here's why.
Is Real Estate a Good Investment for Retirement?
Real estate can be not only a good investment; it can be a great investment. But is it a good choice for your retirement income?
Pros and Cons of Long Term Care Insurance
Pros and cons of long term care insurance.
Inherited an IRA from Mom or Dad? Here's What...
Inherited an IRA from mom or dad? Or an aunt, uncle or sibling? Here is what you can do with it.
How to Calculate Your Internal Rate of Return...
Internal rates of returns are what matter to you as an investor. Here's how to use them and calculate them.
A Variable Annuity Puts You in Control
A variable annuity is quite different from an immediate annuity or fixed annuity. Here is what a variable annuity is, and how they work.
Do I Lose My 401k Plan if My Company Closes?
If your company shuts down, do you lose your 401k money? Likely not. Here's how your money is protected and how you can get it.
Want Retirement Income? 4 Steps You Must Take
Here are four steps you must take to secure the retirement income you'll need. As you begin to think about where your retirement income will come from, take the time to work your way through this set of articles. They'll give you a great overview of the issues you need to think about as well as some specific ideas on when to retire, and how to create the retirement income you'll need.
4 Social Security Strategies for Smart Retirees
Social security strategies can help you get more money out of your benefits - but each strategy only works if you fit a specific set of criteria.
How Many Saturday's Do You Have?
An inspiring story using 1000 marbles to reflect how many Saturdays we may have left, and how we choose to spend them.
Roth 401(k) vs. Regular 401(k): Do You Know the...
Employee Roth 401(k) contributions differ from regular pre-tax 401(k) contributions and from Roth IRAs. Here are need-to-know facts and differences.
7 Ways to Pay for Assisted Living Costs
Many non-profit and state resources are available to help pay for assisted living care costs. Here are the best places to start your search for financial assistance.
15 Things You Must Do to Financially Prepare...
This retirement checklist provides 15 things you must do to financially prepare for retirement.
5 Things That Help (or Hurt) Your Credit Score
You need to know exactly how your credit score is calculated. There are 5 components to your credit score and some carry more weight than others.
Traditional IRA or ROTH IRA - How To Determine...
Use your marginal tax rate to determine if you should make a traditional IRA or ROTH IRA contribution. Here's how.
3 Types of Financial Planning (and Why You Need...
Financial planning, investment advice and retirement planning are not the same thing. Make sure you understand the difference before you search for the service you need.
Medicare Part B Premiums - Current and Past
You will pay a premium for your Medicare Part B benefits. Find current and past Medicare Part B premium schedules here.
5 Super Cool Stock Market Maps
Stock market maps provide a dynamic, colorful way to view all sorts of data about the stock market. Here are 5 market maps to check out.
Boost Earnings By Viewing Your Career As An Asset
Think of your career as your greatest asset and it can have a substantial impact on your balance sheet. Here's how.
Are You Making These Money Losing Investment...
Average investors consistently earn below average market returns, noticeably less than historical averages. Find out why.
Best And Worst Rolling Index Returns 1973 - Mid...
The charts in this series show investment performance in the form of rolling index returns. Rolling returns do not go by calendar year; instead they look at every one year, three year, five year, etc. time period beginning anew each month over the historical time frame selected. Rolling returns give you a much better indication of stock market performance than most other ways of looking at market returns.
Beneficiary Designations Trump Your Will
When is the last time you checked to see who you named as the beneficiary, or beneficiaries, on your retirement accounts, life insurance policies and annuities? Many people neglect to update these types of beneficiary designations after a marriage, divorce or other change in their family situation.
What is a Pension and How Do I Get Guaranteed...
The purpose of a pension is to provide guaranteed income. Here are tips on how to find one.
7 Important Facts About 401k Loans
Here are seven things you need to know about a 401(k) loan before making the commitment.
Should You Be Worried About a Bear Market?...
Should you be worried about bear markets? Probably not. Here's an historical perspective on how often they occur and what to do about them.

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