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Take charge of your golden years.
No question about it, retirement is a major change in your life, and it’s up to you how to adapt to it. It makes a lot of sense that you take some time now to understand how you want live out…
The sad state of Americans’ retirement savings
With traditional worker pension plans fast becoming a thing of the past, plus employer-sponsored 401(k) plans being offered by only about 14% of U.S. Corporations, the amount you have saved for retirement takes on a crucial role. And unfortunately, the…
Saving is crucial to a comfortable retirement
“America Saves Week” starts on February 27th, and this article by Maria Diaz, a Public Affairs Specialist at the Social Security Administration, describes how the SSA encourages Americans to save. Appearing at the Palm Beach Post’s website, the article offers several…
Need a replacement Social Security tax form? Here’s how to get it
You should have already received your annual benefit statement, Form SSA-1099, from Social Security. But if you haven’t or somehow misplaced it and need one to do your taxes, this brief article by Essie Landry of the Social Security Administration…
Some reasons not to retire early
Retiring early can seem like an attractive alternative to the stress of a long working career, but you may want to take a careful look at your potential new lifestyle before you pull the plug. Retiring and starting your Social…
The “longevity risk”, and how to mitigate it
Your “longevity risk” is the danger of exhausting your financial resources before the end of your life, which is a real concern for most people who are developing a retirement plan. This article by Mark Miller appears in the “Aging…
1983 changes to Social Security hitting retirees now.
With all the talk about what must be done to change Social Security for the future, you might have missed that changes to the program enacted in 1983 are already affecting those retiring now. One of the most effectual changes…
How much Social Security would you get over 20 years
While considering when to begin collecting Social Security, many people think only in terms of how much they will receive each month. And while that is certainly a valuable thing to consider, you should also look at the difference in the…
It’s tax season again – do you understand your W-2 form?
You should have already received your Form W-2 from your employer, but do you really understand what all of the various copies are used for and what all of those boxes mean? Even a seasoned worker can get confused by…
If you’re short on retirement savings, here are some ways to catch up
It’s a pretty well known fact that far too many Americans don’t have enough money in their savings to keep them comfortable in retirement. So what’s a person to do? Whether you’re still just thinking about it or have already made…