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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
There is not a mandatory 401k retirement age. However the rules on taking money out of your 401k change depending on how old you are. The three ages to take note of are 55, 59 1/2, and 70 1/2. Below are the rules that apply at each of those retirement ages.
Learn How Social Security Spousal Benefits Work
The Social Security spousal benefit applies to current, widowed, and ex-spouses. Here is how it works.
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.
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.
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.
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.
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.
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.
How Much Are Your Social Security Benefits...
Are your Social Security benefits worth hundreds of thousands? Probably so. Here's why.
What Are the Activities of Daily Living?
There are six activities of daily living that are used to evaluate your eligibility for long term care insurance benefits. Here is a list of what are commonly considered the activities of daily living.
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.
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.
10 Best Retirement Investments
Looking for income producing investments for retirement? Here are the top 10 retirement investments to consider.
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.
Why You Should Ignore These Retirement Rules of...
Retirement rules of thumb are based on averages - they don't necessarily apply to you. Here's why.
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.
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.
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.
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.
Try These Retirement Income Calculators from...
Get a head start on retirement with these online retirement calculators.
4 Things to Consider Before Taking Early...
Here are 4 things you must know about early retirement and Social Security.
3 Steps to Calculate Your Social Security...
The forumula used to calculate how much Social Security you will get is complex. Here is a step-by-step guide, with examples, so you can see exactly what is used to calculate your Social Security benefits.
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.
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.
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.
Want to Retire at 55? Consider These 3 Things
Here are 3 things to consider before you retire at 55.
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.
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.
3 Reasons You May Be Focusing on the Wrong...
If your goal is to increase investment returns in retirement, that may be the wrong goal. Here's why
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.
Top 5 Questions About Social Security...
Here are 5 key things you need to know before you claim your Social Security benefits.
At What Age Do Required Minimum Distributions...
Here's everything you need to know about required minimum distributions.
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.
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.
Things to Know Before Taking a 401k Hardship...
Not all 401k plans allow hardship withdrawals. If they do, here are the rules that apply.
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.
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.
5 Investments That Keep Your Nest Egg Safe
Here are 5 safe investments designed first and foremost to protect what you have.
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.
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.
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.
Close to Retirement? 5 Steps You Must Take Now
Short term retirement planning: 5 steps you must take within 5 years of retirement.
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.
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.
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.
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.
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.
Investing in Stocks? Be Prepared for This
S&P 500 stock market returns from 1973 through year end 2013.
Ask These 5 Questions Before You Buy an Annuity
Five questions to ask before you buy an annuity.
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.
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.
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.
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.
Looking for High Yield Investments? Start Here
Looking for yield? Here's a list of high yield investments that offer above average income payouts.
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.
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.
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.
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.
5 Dividend Income Index Funds Worth Investing In
Looking for dividend income? Here are 5 popular dividend paying funds.
ESPlanner Basic Retirement Calculator Review
See why ESPlanner Basic is the best free retirement calculator we could find.
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.
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
The 4% Rule in Retirement - Does it Work?
Heard of the 4% rule in retirement, but not sure what it is? Here's what the 4 percent rule is and why it doesn't always work.
The Scoop On ROTH IRAs - Are Withdrawals...
Are Roth IRA withdrawals tax free? Most of the time, but not always. Here's the scoop.
3 Things You Must Know Before You Buy Rental...
Here are the three things to consider before you buy rental property.
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.
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.
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.
AARP Retirement Income Calculator Review
This a review of AARP's retirement calculator. Additional retirement calculator reviews are provided in this series. Page 3.
Can Social Security Benefits Be Stopped or...
Can you stop Social Security benefits once you start? Sometimes. Here are the conditions that apply.
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.
4 Affordable, Reliable Index Funds to Consider
Index funds are a great investment choice. Here is a list of some of the very best index funds to choose from.
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.
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.
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.
Top 10 Must-Read Retirement Blogs
These 10 retirement blogs are ranked form highly academic and technical, to those geared toward beginners.
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.
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.
Do You Believe This Common Myth About IRAs?
How do you find the best IRA rates? The answer will surprise you.
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.
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.
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.
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.
Social Security Quiz
Social Security Quiz
Want an Early Retirement? Follow These 3 Steps
Here are three steps you must take to plan for an early retirement.
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?
Think you don't need estate planning? Think...
Think you don't need estate planning? Think again. Here's why you must do it.
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.
Calculate Your Longevity. Here's How.
Estimating life expectancy can help making better decisions about personal, lifestyle, medical, and nutrition. Plus, it helps with financial planning.
Life Insurance After 55: How Much Do You Really...
Once retired, do you still need life insurance? To answer this, you must understand that life insurance isn't really about insuring your life.
Should You Hire a Fee Only Financial Advisor?
What is a fee only advisor, and should you hire one?
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.
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 to Use Capital Losses on Your Tax Return
Can a capital loss carryover to the next tax year? Maybe. Here's how it works.
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.
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.
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.
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.
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.
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.
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.
3 Easy Ways to Get More Social Security Benefits
Take these steps to increase the amount of Social Security you will receive.
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.
How Much are Medicare Part B Premiums in 2014?
2015 Medicare Part B premiums remain the same as 2014 - but many don't know the more you make, the more you pay. Here's how that works.
6 Ways to Keep Your Nest Egg Safe
Want to keep your nest egg safe? These six guidelines show you how.
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.
Which Pension Benefit Choices Are Best for...
Your pension plan will offer payout choices like life-only, joint and survivor, or life with ten years certain. This article explains what these choices mean and how you can pick one that is best for you and your spouse.
Humor - Let's Put The Seniors In Jail And The...
Let's put the seniors in jail, and the criminals in a nursing home. This way the seniors would have access to showers, hobbies, and walks, they'd receive unlimited free prescriptions, dental and medical treatment, wheel chairs etc. and they'd receive money instead of paying it out.
5 Retirement Income Portfolios
Here are 5 different ways to put together a retirement income portfolio.
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.
15 Things You Must Do to Financially Prepare...
This retirement checklist provides 15 things you must do to financially prepare for retirement.
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.
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.
Family Inheritance? Avoid These 4 Tax Traps!
Inheriting money can be great! Make it even greater by avoiding these family inheritance mistakes.
7 Important Facts About 401k Loans
Here are seven things you need to know about a 401(k) loan before making the commitment.
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.
Fidelity Retirement 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 6.
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.
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.
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.
Retirement Calculator Reviews
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.
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.
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.
CNNMoney Retirement Planner 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 7.
Pros and Cons of Long Term Care Insurance
Pros and cons of long term care insurance.
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.
7 Outdated Retirement Decisions - Are You About...
Please, think twice before automatically making one of these 7 outdated retirement decisions. They aren't always the best choice.
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.
Here's Why You Might Want to Fund an HSA...
When used correctly an HSA can be like an IRA on steroids. That's why you might want to fund an HSA instead of an IRA.
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.
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.
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.
What Will a Good Retirement Planner Do for Me?
Find out what a good retirement planner does and where you can find someone with a specialty in retirement income planning.
When to Start Your Pension
Starting your pension at the right age can reduce your risk of running out of money. Here is how you analyze your options to best decide when to start your pension.
The 1 Calculation All Retirees Should Know How...
The third step used to determine how much money you will need to retire is calculating the gap between retirement expenses and guaranteed sources of retirement income.
Find 2015 and 2014 IRA and Roth IRA Contributio...
Calendar year list of IRA and ROTH IRA contribution and earned income limits.
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.
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?
Schwab Retirement Savings 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 5.
Understanding How Your IRA Distribution Is Taxed
Normal distributions (meaning you are over age 59 ½) from a Traditional IRA plan are included in your taxable income in the calendar year in which you take the distribution. The total amount of tax you pay on this IRA distribution will depend on the total amount of income and deductions that you have that year.
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.
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.
2015 IRA Income and Contribution Limits Explained
2015 IRA rules - with income and contribution limits explained.
Have a Managed Account? Watch Out for Fees and...
Some managed account services are great. Others come with high fees and tax inefficiencies. Here's what to consider.
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.
5 Search Engines to Find the Right Financial...
These five financial advisor search engines allow you to narrow down your search so you can find just the right one for you.
2 Ways To Check Your Financial Advisor’s...
Two simple ways to check on the legitimacy of your financial advisor. Be sure to verify financial advisor credentials and complaint record.

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