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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 Spouse Benefits Work
A Social Security benefit for a spouse is called a “spousal benefit”. It applies to current, widowed, and ex-spouses. Here is how it works.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Want to Retire at 55? Consider These 3 Things
Here are 3 things to consider before you retire at 55.
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.
Top 5 Questions About Social Security...
Here are 5 key things you need to know before you claim your Social Security benefits.
Try These Retirement Income Calculators from...
Get a head start on retirement with these online retirement calculators.
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.
6 Ways Your Financial Advisor May Charge You...
Here are the 6 common ways financial advisors charge fees and how each pricing structure works.
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.
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?
4 Things to Consider Before Taking Early...
Here are 4 things you must know about early retirement and Social Security.
At What Age Does Required Minimum Distribution...
What is a required minimum distribution? It starts when you reach 70 1/2. Find out when you have to take it, how much you have to take and what happens if you don't.
5 Dividend Income Index Funds Worth Investing In
Rising dividends can provide a hedge against inflation. One way to get exposure to dividend paying stocks with a solid dividend history is to use a dividend index mutual fund, or dividend index exchange traded fund. In moderation, one or all of the five dividend income stock funds below can be an appropriate addition to a retirement income portfolio.
The Scoop On ROTH IRAs - Are Withdrawals...
Are Roth IRA withdrawals tax free? Most of the time, but not always. Here's the scoop.
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.
2014 Traditional IRA Rules and Income Limits...
2014 IRA income limits, contribution limits, IRA rules, and more.
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.
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.
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.
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.
Investing in Stocks? Be Prepared for This
S&P 500 stock market returns from 1973 through year end 2013.
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.
5 Investments That Keep Your Nest Egg Safe
Here are 5 safe investments designed first and foremost to protect what you have.
Things to Know Before Taking a 401k Hardship...
Not all 401k plans allow hardship withdrawals. If they do, here are the rules that apply.
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.
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 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.
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.
Ask These 5 Questions Before You Buy an Annuity
Five questions to ask before you buy an annuity.
Which Types of Retirement Income Are Tax Free?
Is retirement income taxable? It depends on where your retirement income will come from, and how much of it you will have. Below is a list of common sources of retirement income broken down into taxable retirement income, partially taxable retirement income, and tax free retirement income.
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.
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.
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 (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.
2014 Roth IRA Limits You Should Know
2014 Roth IRA contribution limits, income phaseout limits, and Roth rules.
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.
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.
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.
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.
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.
Close to Retirement? 5 Steps You Must Take Now
Short term retirement planning: 5 steps you must take within 5 years of retirement.
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.
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.
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
3 Things to Keep In Mind Before Buying Rental...
Rental property can provide a stable source of income, but like any investment, you need to understand what you are getting into before you buy. Here are the three things to consider.
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.
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.
How Much Can You Withdraw In Retirement?
Traditional thinking on how much you can withdraw in retirement may be wrong. You must look at the after-tax impact of your retirement account withdrawals, which may mean taking more in some years than others.
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.
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.
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.
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.
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.
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.
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 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.
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.
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 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.
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.
Can Social Security Benefits Be Stopped or...
Can you stop Social Security benefits once you start? Sometimes. Here are the conditions that apply.
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.
Find High Dividend Stocks Using These Top 5...
Looking for high dividend stocks? No need to do your own research. Leading dividend income websites provide a wealth of information as well as dividend stock and fund screening services for free. These are my five favorite websites to use for finding high dividend stocks and funds.
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.
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.
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.
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.
Should You Hire a Fee Only Financial Advisor?
What is a fee only advisor, and should you hire one?
How 2014 Tax Rates Affect Retirement Savings...
Here's how to employ smart planning strategies to use 2014 tax rates to your advantage.
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.
Family Inheritance? Avoid These 4 Tax Traps!
Inheriting money can be great! Make it even greater by avoiding these family inheritance mistakes.
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.
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.
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.
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 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 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.
Top 10 Must-Read Retirement Blogs
These 10 retirement blogs are ranked form highly academic and technical, to those geared toward beginners.
Find 2015 and 2014 IRA and Roth IRA Contributio...
Calendar year list of IRA and ROTH IRA contribution and earned income limits.
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.
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.
7 Reasons You Might Consider Moving to Ecuador...
For adventurous retirees, here are 7 reasons you might want to consider retiring in Ecuador.
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.
Social Security Quiz
Social Security Quiz Sorry, but this quiz requires that you have javascript turned on. Please turn javascript
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.
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.
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 Smart Ways to Save 10 Dollars a Day
10 ways to save 10 dollars a day - practical tips on how to use small substitutions and micro changes that can add up to big savings.
Case Study 1 - Taxation of Social Security for...
This table shows how much tax an average married couple will pay in retirement, and how much tax they will pay on their Social Security benefits.
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.
ROTH 401k vs. Regular 401k: Do You Know the...
ROTH 401k plan contributions differ from regular 401k contributions and from ROTH IRA contributions in several ways. Here are the similarities and differences.
9 Ways To Generate Retirement Income
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 that spell out 9 ways to generate retirement income from your investments.
The Benefit of Unearned Income
Earned income is the money you earn from working. It includes wages, salaries, tips and net earnings from self employment income. Earned income does not include investment income like annuities, pension income, withdrawals from IRAs and other retirement accounts, capital gains distributions and passive income generated from rental real estate.
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.
6 Ways to Keep Your Nest Egg Safe
Want to keep your nest egg safe? These six guidelines show you how.
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.
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.
Want an Early Retirement? Follow These 3 Steps
Here are three steps you must take to plan for an early retirement.
How to Pay Less Taxes in Retirement
You can lower the taxes you pay in retirement by proper tax planning between the ages of 55 and 70. Here's what you have to do to pay less taxes 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.
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?
How to Reduce Taxable Income By Rearranging...
You may be able to rearrange your investments to reduce your taxable income.
Do You Believe This Common Myth About IRAs?
How do you find the best IRA rates? The answer will surprise you.
AARP Retirement Income Calculator Review
This a review of AARP's retirement calculator. Additional retirement calculator reviews are provided in this series. Page 3.
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.
5 Ways To Estimate Life Expectancy
Estimating life expectancy can help you make better financial decisions about social security, life insurance, annuities, pensions and more. Better decisions can potentially add thousands upon thousands of dollars to your lifetime income. From simple to advanced methods, here are six ways to estimate your life expectancy.
Current and Past Roth IRA Contribution Limits
Roth IRA contribution limits and earned income rules change each year. Find current and past Roth IRA rules here.
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.
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.
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.
How to Create Reliable Investment Income
There are 3 types of investment income. Which types are best for your retirement income?
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.
Pre and After-Tax Investments: Which One for...
Here's the difference between pre-tax and after-tax dollars.
7 Important Facts About 401k Loans
Here are seven things you need to know about a 401k loan before you take one.
Overview of Vanguard's Managed Payout Fund for...
Vanguard's Managed Payout Fund is designed to provide monthly income at an annualized rate of 4% a year.
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.
5 Questions You Must Answer to Develop a Good...
Smart investing takes planning. Here are five questions you must ask to develop a good investment plan.
The Scoop on Managed Accounts
Managed accounts come in many forms, some with excessively high fees. Bad ones reduce your wealth. The best managed accounts, however, are likely worth the price.
How Much Money To Retire? Figure Out Sources Of...
One of the steps required to determine how much money you will need to retire involves figuring out your guaranteed sources of income.
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 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.
4 Ways to Divide Your Money Between Stocks and...
How much of my money should be invested in stocks vs. bonds?
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.
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.
Alternatives To An Immediate Annuity
An immediate annuity can be a good solution if you want to know you can not outlive your money. Once you buy an immediate annuity, however, you can no longer access your principal. Before you make such a permanent decision, consider alternatives to immediate annuities. The best solution may be to build a combination of income producing investments by using an immediate annuity along with one or more of the choices below.
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.
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.
10 Things Your Financial Advisor Might Not Be...
If the advice doesn't pay them, will they share it with you? Here are 10 things I see financial advisors overlook all-too-often.
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.
What Will A Good Investment Advisor Do For Me?
Investment advice and financial planning are two different services. Here is what you should expect from an investment advisor.
What Is The Difference Between Active and...
Active investing costs more, but does it deliver? Not for most. Here's why.
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.
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.
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.
Understanding Tax Brackets for Smart Retirement...
Smart tax planning saves you money. Use these tax planning strategies to learn learn how to shift income into a lower tax bracket.
6 Things You Must Know About Your 401k Plan by...
What do you know about your 401k plan? Here are 6 things you should know before you reach age 55.
3 Easy Ways to Get More Social Security Benefits
Take these steps to increase the amount of Social Security you will receive.

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