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Money Over 55: Most Popular Articles

These articles are the most popular over the last month.
How Long Will Your Money Last in Retirement?
Seven things affect how long your money will last in retirement. Here's an outline of what they are and how to factor them in to your plans.
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.
4 Things to Know About Social Security Spousal...
The Social Security spousal benefit applies to current, widowed, and ex-spouses. Here is how it works.
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.
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.
9 Ways To Generate Retirement Income
Are you getting closer to retirement? Here is a list of 9 retirement income strategies to mix and match to create the cash flow you'll need.
10 Social Security Facts About Benefits For An...
Here are ten facts about Social Security benefits for an ex spouse. Some of them may surprise you.
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 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.
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.
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.
At What Age Do Required Minimum Distributions...
Here's everything you need to know about required minimum distributions.
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.
10 Best Retirement Investments
Looking for income producing investments for retirement? Here are the top 10 retirement investments to consider.
Try These Retirement Income Calculators from...
Get a head start on retirement with these online retirement calculators.
Social Security Restricted Application Rules...
New laws have changed the Social Security restricted application rules. Here's how they work.
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.
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.
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.
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.
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.
Want to Retire at 55? Consider These 3 Things
Here are 3 things to consider before you retire at 55.
5 Key Things To Know About Social Security...
Knowing how age affects your benefits is one of five key things you ought to know about Social Security. Here's a quick introduction to how it works.
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.
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.
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.
6 Big Tax Mistakes You Should Avoid With Your...
Retirement may be more expensive than you think. One of the biggest items upcoming retirees underestimate is the amount of income taxes they will pay each year in retirement. If you're planning for retirement, below are six tax mistakes that you'll want to avoid.
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.
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.
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.
6 Ways Your Financial Advisor May Charge You...
Here are the 6 common ways financial advisors charge fees and how each pricing structure 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.
Married & 62 Before 1/1/2016? Check Out...
This Social Security strategy is great for married couples if one of you was born Jan.1, 1954 or earlier. Here's how to collect now - and later.
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.
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?
5 Dividend Income Index Funds Worth Investing In
Looking for dividend income? Here are 5 popular dividend paying funds.
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.
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.
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.
Everything You Need to Know About Contributing...
2015 Roth IRA rules, complete with income limitations, contribution limits, historical limits, and much more.
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.
Close to Retirement? 5 Steps You Must Take Now
Short term retirement planning: 5 steps you must take within 5 years of retirement.
5 Investments That Keep Your Nest Egg Safe
Here are 5 investing options that keep your money safe - but they may not pay much in terms of returns.
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.
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.
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.
Confused About Spousal Benefits? Here are 3...
Confusion abounds over Social Security spousal benefits. Here are three rules that help clear up the confusion.
Looking for High Yield Investments? Start Here
Looking for yield? Here's a list of high yield investments that offer above average income payouts.
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.
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.
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.
Ask These 5 Questions Before You Buy an Annuity
Five questions to ask before you buy an annuity.
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.
See How Historical Stock Market Returns Would...
Historical S&P 500 stock market returns from 1973 - 2014 help you understand the type of volatility to expect, and how it may impact you.
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.
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.
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.
Things to Know Before Taking a 401k Hardship...
Not all 401k plans allow hardship withdrawals. If they do, here are the rules that apply.
Social Security Just Changed. Are You Affected?
New rules on Social Security claiming options begin in 2016. You can't do what you could do before. Know the rules before you file.
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.
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.
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.
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.
File and Suspend: A Social Security Strategy...
The file and suspend Social Security strategy allows will only work through April 30th, 2016. Here's who needs to take a look at it right away.
Can Social Security Benefits Be Stopped or...
Can you stop Social Security benefits once you start? Sometimes. Here are the conditions that apply.
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.
ESPlanner Basic Retirement Calculator Review
See why ESPlanner Basic is the best free retirement calculator we could find.
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.
The Easy Way to Estimate Retirement Expenses
Accurately estimating retirement expenses is one of the most important things you can do. Here's an example to get you started.
Medicare & Marketplace: 9 Questions To Ask...
Here are 9 key questions to ask during Medicare Marketplace or Health Insurance Marketplace open enrollment.
Top 10 Must-Read Retirement Blogs
These 10 retirement blogs are ranked form highly academic and technical, to those geared toward beginners.
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.
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.
Married? Don't Make This Common Retirement-Age...
Married couples - don't make the mistake of looking at when to take Social Security the same way a single person would. Instead, do this.
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.
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.
10 Facts to Help You Successfully Navigate IRA...
Here are 10 facts that can help you successfully navigate the do's and don'ts of IRA rollovers.
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.
15 Things You Must Do to Financially Prepare...
This retirement checklist provides 15 things you must do to financially prepare for retirement.
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.
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.
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 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.
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.
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.
3 Things You Must Know Before You Buy Rental...
Here are the three things to consider before you buy rental property.
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.
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.
AARP Retirement Income Calculator Review
This a review of AARP's retirement calculator. Additional retirement calculator reviews are provided in this series. Page 3.
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.
Do you really need to file a restricted...
Why you need probably need a restricted application, even if Social Security tells you it isn't necessary.
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 (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.
The Scoop On ROTH IRAs - Are Withdrawals...
Are Roth IRA withdrawals tax free? Most of the time, but not always. Here's the scoop.
Average Retirement Age In The United States
Here's the average retirement age in the U.S. as well as tips on what to do if you plan to retire earlier than average.
From Broke to Retired in 10 years. How You Can...
You can go from broke to retired in 10 years or less. You take it one year at a time. Here's how.
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.
When Should I Retire? After Answering These 2...
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6 Ways to Keep Your Nest Egg Safe
Want to keep your nest egg safe? These six guidelines show you how.
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.
10 Things You Might Not Know About Your IRA
Have an IRA? Here are 10 things you might not know about it.
7 Most Frequently Asked Retirement Questions
Thinking about retirement? Here are the 7 most commonly asked retirement questions.
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.
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.
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.
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.
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.
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.
5 Retirement Income Portfolios
Here are 5 different ways to put together a retirement income portfolio.
How to Use Delayed Retirement Credits to...
Delayed retirement credits can increase your Social Security by 25% or more - and provide more income for a surviving spouse. Here's how they work.
Social Security Quiz
Social Security Quiz
5 Frequently Asked Questions About Roth IRAs
If you are saving for retirement you'll want to know the answers to these five frequently asked questions about Roth IRAs.
5 Surprising Ways to Become a Millionaire
Everyone wants to be a millionaire, and it is a worthy goal. Here are five ways to do it.
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.
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.
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.
Looking for a Good Stock to Invest In?
Looking for a good stock to invest in? If so, you need to read this article.
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.
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.
Pre and After-Tax Investments: Which One for...
Here's the difference between pre-tax and after-tax dollars.
Pros and Cons of Long Term Care Insurance
Pros and cons of long term care insurance.
S&P 500 Index Rolling Stock Market Returns
This bar chart shows the rolling returns from 1973 - mid 2009 for the S&P 500 Index over 1, 3, 5, 10, 15, and 20 years.
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.
2015 Tax Rates - How to Use Them in Your...
2015 tax brackets - and more importantly - how to use them when planning for retirement.
Should You Hire a Fee Only Financial Advisor?
What is a fee only advisor, and should you hire one?
Details To Review About Your Insurance Policy
When you review your insurance policy, it is important to look at benefits and restrictions in detail.
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.
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.
Here's How an IRA Distribution Is Taxed
The tax you pay on an IRA distribution will depend on your income and deductions for the year. Here's how it works along with an example.
Want an Early Retirement? Follow These 3 Steps
Here are three steps you must take to plan for an early retirement.
Earned Income Is Taxed Differently Than...
What is earned income? And when is income considered unearned? This is good to know so you can estimate taxes before and after retirement.
7 Ways to Get Guaranteed Income in Retirement
Here are 7 ways to get guaranteed income in retirement.
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.
9 Things I Bet You Don't Know About Roth IRAs
Here are 9 things I bet you don't know about Roth IRAs.
Family Inheritance? Avoid These 4 Tax Traps!
Inheriting money can be great! Make it even greater by avoiding these family inheritance mistakes.
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.
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.
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.
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.
Did You Know There Are 2 Ways to Get a Pension?
There are two ways to get a pension. You can create your own, or work for an employer who offers one. Here's how to get started down either path.
How Social Security Survivor Benefits Differ...
There are several differences between a Social Security survivor benefit and a spousal benefit. Here's a summary of how they differ.
3 Easy Ways to Get More Social Security Benefits
Take these steps to increase the amount of Social Security you will receive.
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.
How Does the Stock Market Perform During...
How do election years affect stock market returns? Here's what the statistics and past results say.
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.

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