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Social Security Cost-of-Living Adjustments (COLAs) 2017: What Seniors Need to Know
© Ruslan Guzov/Shutterstock.comThe recent announcement from Social Security about its cost-of-living increase has created intense controversy among those who will be affected most.Retired Social
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Top 5 Affordable Caribbean Islands for Retirement
Noelia Magnusson Photography/GettyImagesEver dream of retiring on an island? The Caribbean’s proximity to the East Coast of the U.S. makes it an attractive location, but some islands are cost-
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QLACs: 6 Reasons to Consider a Qualified Longevity Annuity Contract
David Jakle/Getty ImagesBuying an annuity within your IRA or your 401(k) is like turning your retirement savings into an old-fashioned pension.Who doesn’t want a pension? Consider
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Best States for Retirees Who Love the Holidays: Top 10
DOUGBERRY/Getty ImagesIf you’re the type who starts breaking out the Christmas decorations and humming “All I Want for Christmas Is You” long before Thanksgiving, you might want
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Annuities for Retirement: A Secure Path to Income?
Iakov Filimonov/Shutterstock.comMore and more Americans are facing the prospect of retiring on savings and Social Security, without the reliable pension checks their parents received. At
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Annuities: Benefits & Drawbacks - A Comprehensive Guide
At face value, annuities offer a solid deal: guaranteed income for life. But they are not the most straightforward of products.Annuities can be a cash cow for insurance companies and the people who s
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Annuities: Debunking 4 Common Myths About Retirement Income
Portra Images/Getty ImagesLongevity annuities are gaining a lot of support from retirement planners, actuaries and other experts who think that more people need guaranteed income in
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Protect Your Retirement: 5 Strategies to Extend Your Savings
Even if you’ve planned carefully and your retirement nest egg is hefty, there’s always a possibility that you’ll outlive — or outspend — your money.Worried about ru
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Downsizing in Retirement: 6 Signs It's Time for a Smaller Home
Making the decision to move from a larger home to a smaller one can be very hard. Your home, after all, is a source of comfort and is filled with beloved memories. For many, it’s where you wat
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Protect Yourself: Financial Assistance to Seniors - Risks & Precautions
Helping someone in need with their finances may seem altruistic and may even tap into your inner hero, but if you’re not careful, you could find yourself in hot water.Lending a helping hand wi
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Sustainable Income Strategies for a $500,000 Retirement Portfolio
Throughout your career, the emphasis in retirement planning is on saving and investing. Once you retire, how do you make that pile of money last for 30 or 40 years? That’s a much bigger conund
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Lump Sum vs. Annuity: Which is Right for You?
If presented with the option of getting a pension check for life or getting a lump sum, what’s the better deal? Getting a monthly annuity certainly has a certain allure — you get a stea
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Retirement Plan Trends: Navigating the Evolving Landscape
Necessity, they say, is the mother of invention. That would explain the flurry of new changes taking place in the retirement planning industry.Indeed, unstable stock market conditions in recent years
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Secure Your Future: 3 Steps to a Solid Retirement Plan
If you don’t want to open your 401(k) statement, you’re not alone. But not paying attention to your retirement plan now will come back to haunt you later. Take these three steps to buil
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Retirement Savings Milestones: A Roadmap to Financial Security
Key savings signposts for retirement Among all the decisions you have to make with your money, how you save for retirement is one of the most significant and sometimes the trickiest.
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Retirement Income Options: Pros & Cons for a Secure Future
Despite near-constant reminders, Americans aren’t really good at saving for retirement. And they’re likely to be just as bad at stretching their savings to last the entirety of their go
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Employee Stock Ownership Plans (ESOPs): Benefits & What to Know
Does your employer offer an employee stock ownership plan, or ESOP? If not yet, it may soon. Research from Georgetown University shows that companies that offer employee stock ownership plans have fa
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Social Security Benefits: When to Claim for Maximum Value
When should you apply for Social Security? Retirement planning is complicated, beginning with the decision about when to begin taking your Social Security benefits. On one hand, if you need the mone
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Common Retirement Savings Excuses & How to Overcome Them
Do you need an excuse? Like the proverbial grasshopper, some people neglect to save for retirement and have plenty of excuses to justify their lack of foresight. Every year, the Employee Benefit
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Simple Financial Rules of Thumb: 8 Guidelines for Better Money Management
Financial planning still requires some math Sometimes the best advice is the simplest. After all, if it wasn’t short and sweet, “stop, drop and roll” probably wouldn’t
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- Financial Freedom for New Grads: 15 Essential Money Tips
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Boost Your Credit Score: 5 Proven Strategies for Loan ApprovalYour credit score is the most important factor in determining the interest rate you receive on a loan. You may have been working to improve your credit score for months or even years. Even just one-ha...
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Interest Rate Derivatives (IRDs): A Comprehensive GuideInterest rate derivatives (IRD) are a derivative product that is based on a benchmark interest rate or group of interest rates. They are used by traders and borrowers to hedge their positions or specu...
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Unearned Revenue: Definition & Financial Statement ReportingClose-up of financial reports and calculator Unearned revenue is money that comes into a company before it provides a service or product to a buyer. It is a liability until the company "...
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Portfolio Variance: Understanding Risk and DiversificationPortfolio variance is a statistical value that assesses the degree of dispersion of the returns of a portfolio. It is an important concept in modern investment theory. Although the statistical measure...