Money Over 55 Sitemap - Page 2 2016-09-26

How to Check Your Financial Advisor's Credentials
Be sure to verify a financial advisor's credentials and complaint history before you hire them. Here's how you do this.

Ways Financial Advisors Charge Fees
Here are the 6 common ways financial advisors charge fees and how each pricing structure works. Find out more about financial advisor fees

How the IRA Early Distribution Penalty Works
An IRA early withdrawal penalty is assessed on IRA distributions taken before you reach age 59.5. Here's how the IRA early withdrawal penalty works.

Which of These 3 Ways To Calculate A P/E Ratio is Best?
There are three main ways to calculate a price to earnings (P/E) ratio. Learn how each works and which may be most useful.

How to Use Bond Ladders for Retirement Income
A bond ladder is an investment approach for retirement income that is sometimes referred to as asset-liability matching. Here's how it works.

Closed End Funds vs. Open End Mutual Funds
What is a closed end fund? They can produce above average income, but share prices can be volatile. Here's how they work.

Investment Fees To Ask About Before You Invest
Investment fees will lower your returns, so find out whether you are responsible for these six investment fees before you buy.

5 Mutual Fund Fees to Ask About
All mutual funds have fees; some more than others. Here are 5 types of mutual fund fees to ask about before you invest.

What Is A Target Date Fund And How Do You Use It?
Target date funds are great - if you know how to use them. Here's what they are and how to use them most effectively.

How Safe Are Your Safe Investments?
How safe are your safe investments? Losing money in safe investments is rare, but it can happen. And sometimes in ways you wouldn't think of.

How Much Income Can I Expect From Safe Investments?
In today's low-interest rate environment, what returns can you expect from safe investments? Not a whole lot. Here's a view of how rates have changed.

How Much of My Money Should Stay In Safe Investments?
How much of my money should stay in safe investments? The answer depends on the stability of your career, and how close you are to retirement.

What Is An Index Fund and How Do They Work?
Index funds offer a low cost and tax efficient way to invest your money. Here's what they are and how they work.

Predictable, Variable, or Guaranteed Investment Income
There are 3 types of investment income. Which types are best for your retirement income?

How to Avoid Bad Investments - 5 Rules to Use
Knowing what to look for can make spotting bad investments much easier. Here are the red flags to watch out for.

Years of Stock Market Returns
Historical stock market returns from the last few decades help you understand how much volatility to expect, and how it may impact you.

What is a Normal P/E Ratio for the S&P 500 U.S. Stock Index?
Can you use the P/E ratio to determine if the market is overvalued? Maybe, but only if you apply it along with a healthy dose of common sense.

Two Reasons to Be Cautious About P/E Ratios
Here are two reasons to be cautious about using P/E ratios to value stocks.

How to Buy Treasury Securities Direct
One of the safest investments you can make is buying government bonds. Here's how to buy government bonds, called treasury securities, by opening your own Treasury Direct account.

Are Stocks Riskier Than Funds? Yes. Here's Why.
Owning an individual stock is riskier than owning a mutual fund. Here's why.

What is a P/E ratio and how can it help me?
A P/E ratio is a widely used tool in analyzing the value of stock prices. Here's how it works and why you should be cautious about using it.

Do Bond Yields Confuse You? Here's How They Work
Need an explanation of bond yields work? The example offers a simple analogy depicting how yield can vary based on changing market price.

High Yield Investments Options For Risk Takers
Looking for high yield? Here's a list and description of types of high yield investments that offer above average income payouts.

Overview of Fidelity's Income Replacement Funds
Fidelity has a series of funds designed to provide monthly retirement income. Here's how they work.

Overview of John Hancock’s Retirement Living Funds
John Hancock has a series of Retirement Living funds designed to manage investments for a target retirement date. Here's how they work.

Overview of Vanguard's Managed Payout Funds
Vanguard's Managed Payout Fund is designed to provide monthly income at an annualized rate of 4% a year.

Inspiring Story About How Many Saturdays You Have Left
An inspiring story about time using 1000 marbles to reflect how many Saturdays we may have left, and how we choose to spend them.

Questions to Ask Before Buying an Annuity
Annuities can be complicated. Make sure you know exactly what you are buying in order to achieve your goals and not waste money.

How to Compare Immediate Annuity Rates
Do not use immediate annuity rates when comparing annuities to other investment options. Here's why.

How Variable Annuity Death and Living Benefits Work
Many variable annuity policies offer extra living benefit and death benefit riders. These features have a cost. Here's how they work.

All About Deferred Annuities - Various Types Explained
With deferred annuities, you deposit your funds with the annuity company (by investing in either a fixed, variable, longevity, or equity indexed annuity).

What to Know Before You Buy an Immediate Annuity
An immediate annuity is a risk management tool for retirement income. Here's how it works and who should consider buying one.

Beware: Tax Deferral of Variable Annuities - More Cost?
Does the tax deferral feature of a variable annuity really save you money in taxes? Maybe not. Here's why.

Facts to Help You Navigate IRA Rollover Rules
Here are 10 facts that can help you successfully navigate the do's and don'ts of IRA rollovers.

Variable Annuity Compared to Index Funds
It is rare you will see an objective comparison of a high fee variable annuity to other lower cost alternatives. This analysis shows you how a variable annuity would have held up under various historical market conditions.

What Are Surrender Charges?
Some investments charge a fee, or surrender charge, when you cash them in. Here's why.

What are Guaranteed Withdrawal and Income Benefits?
Guaranteed withdrawal benefits and lifetime income riders offer lifetime retirement income. Here's how they work.

Are Roth IRA Withdrawals Tax-Free or Not?
Are Roth IRA withdrawals tax-free? Most of the time, but not always. Here's the scoop on how to get money out of your Roth tax-free.

Should You Convert IRA Money to a Roth IRA?
Should you convert IRA money to a Roth IRA? Here are 5 questions you can ask to determine if a Roth conversion makes sense for you.

What You Must Know About Required Minimum Distributions
Required minimum distributions (RMDs) start at age 70 1/2. Here's how to calculate how much you must withdraw, and which accounts to withdraw from.

Investing For Retirement - 4 Things to Know
Here are four things you must do to properly invest for your retirement and avoid major mistakes.

How Much to Retire? Add Up Guaranteed Income First
In the planning process used to figure out how much you need to retire, you'll add up your future sources of guaranteed income. Here's an example.

Social Security Strategy - Marrieds Age 62 By 1/1/2016
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.

How the Social Security Spousal Benefit Works
The Social Security spousal benefit applies to current, widowed, and ex-spouses. Here is how it works.

Delayed Retirement Credits Boost SS Benefits Up to 25%
Delayed retirement credits can increase your Social Security by 25% or more - and provide more income for a surviving spouse.

How to Increase Your Social Security Benefits Years
There are many smart ways to increase your Social Security benefits. Some require more work than others. Here are 4 ways you may be able to get more.

How to Estimate Your Retirement Expenses
Accurately estimating retirement expenses is one of the most important things you can do. Here's an example to get you started.

How Full Retirement Age Affects Social Security Benefits
Knowing your Full Retirement Age for Social Security benefits is important for many reasons. Get it wrong, and you may get less in benefits.

How to Use Inflation and Life Expectancy Assumptions
Determining how much money you need to retire requires estimating inflation and life expectancy. Consider both best and worst case scenarios here.

Pros and Cons of a Lump Sum or Annuity Pension Choice
Should you take your pension as a lump sum or as an annuity? It's a big decision with a life-long impact. Here's how to do the analysis.

Steps to Estimate How Much You'll Need to Retire
How much will you need to retire? These four steps will help you with the calculations so you can come up with a reasonable answer.

In the Financial Services Context, What is a Custodian?
What is a financial custodian and how can you determine if they can adequately protect your assets from investment fraud? Learn how here.

Rolling Returns Versus Average Annual Returns
Most investment returns are stated in the form of an annual return, or an annual average return. Rolling returns provide a more realistic way of looking at investment returns.

Web's Best Retirement Income Calculators
Get a head start on retirement with these online retirement calculators.

Retirement Income - 4 Steps You Must Take To Secure It
Here are four steps you must take in order to secure the retirement income you'll need.

Should You Start Social Security At Age 62
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 The Efficient Market Hypothesis Works
The efficient market hypothesis explains why it is hard to

Calculate How Much You Need to Retire in 5 Steps
Are you saving enough to retire? Walk through these 5 easy steps calculate how much you need for retirement.

Want to Retire Early? Follow These 3 Steps
Here are three steps you must take to plan for an early retirement.

How Do Financial Planners Get Paid?
There are many ways financial planners may charge fees, which can vary from commissions to an hourly rate. Here's an overview of how all of it works.

First-Time Home Buyer Definition Varies by Program
You may qualify as a first time home buyer even if this isn't your first home purchase. Here's how the definition works and how it varies by program.

In Investing, What Is An Index?
Stock market indexes are broadcast every day, but what exactly is an index? If you're not quite sure, this article is for you.

Are Balanced Funds Good for Your Retirement Money?
Balanced funds make an ideal choice for many investors in or near retirement. Here is what a balanced fund is, and why you should consider using one.

Using a Withdrawal Rate in Retirement Planning
A withdrawal rate is a calculation that helps you measure how long your money may last in retirement. Here's why it is important.

What Do People Invest Their Money in Mutual Funds?
As a mutual fund investor, the fund company pools your money along with thousands of other people's money and makes investment decisions on your behalf.

Modern Portfolio Theory - How it Applies for Retirees
Every retiree who invests should understand the basics behind Modern Portfolio Theory. Here's what it is and why it is important.

What is a Floating Rate Fund?
A floating rate fund is a mutual fund that holds IOUs made by large companies. There are pros and cons to using these investments. Read more here.

What Is An Inflation Protected Bond?
Inflation protected bonds - what are they, how do they work and do you need them?

Retirement Asset Allocation to Maximize Lifetime Income
A traditional approach to retirement asset allocation would put your money in stocks and bonds and estimate how much you could withdraw each year. Your other alternative would be to buy an immediate annuity that guarantees lifetime income. A new retirement asset allocation models gives you the best of both worlds.

What is a REIT?
What is a REIT? Money Over 55.

How Long to Double Your Money? Use the Rule of 72
The Rule of 72 is a math rule you can use to determine how many years it will take to double your money. Here's how it works.

Calculator Estimates Mortgage Interest Tax Deduction
Are you getting much benefit from the mortgage interest deduction? This online mortgage calculator can show you.

Will I Pay Tax When I Sell My Home?
Will you pay tax when you sell your home? Not if you qualify for the IRS exclusion. Here's how you get tax-free gain when you sell your home.

What are the Dividend Aristocrats?
Dividend aristocrats is a term used to refer to a select group of dividend paying stocks. Here's how stocks make the list and how to invest in them.

3 Types of Immediate Annuities to Compare
There are 3 main types of immediate annuities: fixed, inflation-adjusted, and variable. Which type is best? There is one that stands out.

Filing a Tax Extension Is Ok, Really
Filing a tax extension is OK. In fact, millions of taxpayers do it for various reasons. Here are several reasons why people extend.

Humor: Put Seniors in Jail & Criminals in Nursing Homes
Let's put the seniors in jail and the criminals in a nursing home is a joke that spoofs the quality of care offered in some elder care homes.

Exceptions to the IRA Early Withdrawal Penalty
You may be able to avoid the IRA early withdrawal penalty tax - if you qualify for one of these ira penalty exceptions.

Can A Capital Loss Carryover To The Next Year?
Can a capital loss carryover to the next tax year? Maybe. Learn more about carryforward losses and how to use them to your benefit.

How to Reduce Taxable Income By Rearranging Investments
You may be able to rearrange your investments to reduce your taxable income.

How to Implement Tax Planning to Lower Your Tax Bill
Smart tax planning saves you money. Use these tax planning strategies to learn learn how to shift income into a lower tax bracket.

3 Ways To Do Your Year End Tax Planning
Tax planning, when done before the end of the year, can save you money. Here are 3 ways to do your year-end tax planning.

Eligibility and Limitations for the IRA Deduction
You may be able to claim a deduction for an IRA contribution. If so, you can reduce your taxable income amount by contributing.

How to Compare Retirement Income Investments
You'll want to compare retirement income investments on a cost per $1,000 a month of income basis. Here's how to do it.

Resources For Dividend Paying Stocks Investors
A cash dividend can be a welcomed income boost. Use these websites to research which companies you may want as part of your investment portfolio.

- By Category
An index of categories in the

Things to consider pre-retirement
There are seven critical things to consider before planning for your retirement income needs. This step by step guide will explain and provide useful information so you can plan accordingly.

How to Use Safe Investments for Retirement
Want to keep your nest egg safe? These six guidelines show you how to effectively evaluate and use safe investment choices for retirement.

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Does Taking On Investment Risk Deliver Higher Returns?
By understanding investment risk you can set realistic expectations about what to expect from investments and which choices are best for you.

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Rolling Index Returns Best for Stock Market Performance
The charts in this series show investment performance in the form of rolling index returns. Rolling returns do not go by calendar year; instead they look at every one year, three year, five year, etc. time period beginning anew each month over the historical time frame selected. Rolling returns give you a much better indication of stock market performance than most other ways of looking at market returns.

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Retirement Calculator Reviews
Find the best retirement calculator for your situation, see pros and cons of popular retirement calculators and learn what they do and don't do well.

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6 Things You Must Know About Your 401k Plan by Age 55
As you near retirement you'll want to brush up on all the rules that apply to your 401(k) money. Here are six things you must know.

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How to Find The Best Financial Advisor in Easy Steps
These steps provide a disciplined way to search for, interview, and select the financial advisor that will be best for you and your family.

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7 Ways to Get Guaranteed Retirement Income
Here's what you need to know about using annuities, pensions, reverse mortgages, and more to maximize your own guaranteed retirement income.

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Reasons to Consolidate Retirement Accounts
Reduce fees and save time by consolidating retirement accounts. Here are the reasons to combine old IRA and 401(k) accounts before you retire.

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Are You Making These Mistakes When Buying Mutual Funds?
Tips and guidelines to prevent you from making these mutual fund buying mistakes will cost you money.

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Easy Ways to Save 10 Dollars a Day
Don't spend money without thinking about alternatives. The easiest way to save $10 per day is to consider these ideas for lower cost or free choices.

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Steps To Take Before You Start A Consulting Business
Here are steps to follow to prepare yourself for starting a successful consulting business.

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9 Things I Bet You Don't Know About Roth IRAs
Roth IRA's are powerful and flexible financial planning tools. Here's 9 things I bet you don't know about them.

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Best Social Security Books for Retirement Planning
From basic to technical, these four Social Security books will cover all you need to know about Social Security for your retirement planning.

Your Personal Circumstances May Help You Understand Longevity
Estimating life expectancy is an important part of figuring out how long your retirement money will last. Here's why.

For Retirement Money to Last Make a Reasonable Budget and Stick With It
Having a spending plan in retirement is a critical step in making sure your money lasts. Here's why it is so important.

Things You Buy in the Future May Be More Expensive Than Today
Inflation affects how long your money lasts in retirement. It has a bigger affect on certain types of households. Here's why.

U.S. Treasury Issued Securities Are Safe for Average Investors
U.S. Treasury issued securities are one of five incredibly safe investments.

A Savings Account - Boring but Safe
Here are a few of the pros and cons of investing options that keep your money safe, but may not pay much in terms of returns.

Healthcare Expenses Will Have an Affect on Your Nest Egg
Accurately planning for healthcare costs in retirement will help you make sure your money lasts as long as you need it to.

Planning Your Retirement Withdrawals Can Help Your Money Last
Your withdrawal rate affects how long your retirement money will last. It is one of seven things to watch as you enter retirement.

Fixed Annuities Are a Reliable and Safe Investment
Fixed annuities are a safe investment. But not the best place for ALL your money. Here's why.

Money Market Accounts Can Be a Safe Place to Park Cash
Money markets are considered a safe investment - but they are not guaranteed. Here's how they work.

Certificates of Deposit (CD's) - Considered a Very Safe Investment
Certificates of Deposit (CD's) are one of five safe investments. Here's what to watch out for with callable CDs.

How Long Your Money Will 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.

How Sequence of Returns Affects Your Retirement Money
How long your money lasts in retirement is affected by the sequence of returns you earn. Here's the effect it can have and how to plan for it.

Beware of the Retirement Rules of Thumb
Retirement rules of thumb are based on averages - they don't necessarily apply to you. Here's why.

Should You Cash In Your Pension?
Cashing in your pension is a decision that has life-long consequences. Here are the things to consider before making a decision about your pension.

10 Things People Don’t Know About Their IRAs
Want to get the most out of your IRA? Here are ten things many people don't know about how their IRA accounts work.

3 Best Ways To Calculate How To Become A Millionaire
How long will it take and how much to you need to save to become a millionaire? These three calculators can help you figure it out.

What Is a Good Investment?
How do you find good investments? Here's a starting point from real estate to stocks to funds.

10 Retirement Blogs That Are Worth Reading
These 10 retirement blogs are the best. Select topics ranging from highly academic and technical, to those geared toward beginners.

Book Review of Unfair Advantage by Robert Kiyosaki
Unfair Advantage teaches great principles, yet there are three things I don't like about the book.

What to Know Before You Choose Your Retirement Age
Your retirement age determines when and how you can access your retirement money. Here are the things you need to know before you retire.

4 Popular Target Date Fund Choices
Target date funds do the investing for you. Here's how they work, and a list of funds to choose from.

Top IRA RMD (Required Min. Distribution) Calculators
These RMD calculators can help you plan for retirement, or calculate how much you must take out now from your either own or an inherited IRA.

Find Retirement Tax Friendly States
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.

Best Index Funds - Low Fees and Good Service
Index funds are a great investment choice. Here is a list of four mutual fund families that offer the very best index funds to choose from.

Alternative Options To An Annuity
There are numerous ways to accomplish your investing goals. Make sure you have considered alternatives before you make a decision. An annuity might be the right place for some of your money, but how do you know unless you have considered alternatives?

Alternatives To An Immediate Annuity
Thinking about an annuity but want to explore more retirement income solutions first? Here are four alternatives to immediate annuities.

Social Security Strategies to Increase Benefits
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.

Black Monday - A 10 Year View
This chart shows the 1987 bear market, defined by the term Black Monday, in context of an entire ten years.

Short Term Graph of the 2002 Bear Market
From July 5 - 23, 2002, the S&P 500 Index value went down 19%, a small part of a bear market that bottomed on 10/9/2002. Ups and downs are shown here.

Graph of the 2002 Market Crash a Year and a Half Later
The bear market of 2002 bottomed on 10/9/2002. Here's a graph that shows how it turned out over the next year and a half.

The 2002 Market Crash Viewed Five Years Later
The bear market of 2002 bottomed on 10/9/2002. Here's a graph of the subsequent five years.

The 2008-2009 Market Crash
As shown on this graph from Sept. 2008 to March 2009 the S&P 500 was down 46%. Subsequent charts show the recovery.

2008-2009 Graph as the Market Began Recovering
The 2008-2009 market crash saw a dramatic recovery through spring of 2011, as shown in this graph.

2008-2009 Market Crash Through Year-End 2014
This graph shows the S&P 500 from the 2008-2009 low through year-end 2014.

Black Monday And Other Bear Markets
Studying Black Monday and other historical bear markets will help you make smarter investing decisions. See how investors fared in past bear markets.

Retirement Income Research You Can Rely On
Here's the academic approach to how long your money lasts in retirement depending on which type of withdrawal and investment approach you take.

Should I Pay Off My Mortgage Before Retirement?
Factor in risk and taxes before making a decision to pay off your mortgage early. Here are four resources to help you do a thorough analysis.

5 Things You Must Know About IRA Withdrawals
Five things you must know about taking money out of IRAs.

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.

Social Security Benefits After Divorce
How does divorce affect your or your ex-spouse's Social Security? Here's what you need to know.

5 Ways To Look At Stock Market Performance
There are multiple ways to view stock market performance. Looking at it in more than one way is always smart. See 5 ways to view things here.

Retirement Income Fund Reviews and Descriptions
Retirement income funds provide an all-in-one investment solution for monthly retirement income. Here are four such funds to consider.

How Long Will You Live?
Estimating life expectancy can help you make better retirement planning decisions. Here are some online tools you can use to come up with an estimate.

How To Retire (Rich, Early, Poor, Overseas) - Overview
Here's a collection of the web's most interesting how to retire articles. They are guaranteed to give you some new ways to think about retirement.

Find a Financial Advisor With These Online Search Tools
These five financial advisor search engines allow you to narrow down your search so you can find just the right one for you.

Must See Stock Market Maps
Stock market maps provide a dynamic, colorful way to view all sorts of data about the stock market. Here are several crucial maps to check out.

Reverse Mortgage Pros and Cons
When you look at reverse mortgage pros and cons, surprisingly enough, the pros often outweigh the cons. Here's why.

How to Find the Best Managed Accounts
Some managed account services are great. Others come with high fees and tax inefficiencies. Here's what to consider.

Best Personal Finance and Investment Magazines
Pick one or several of these suggested finance magazines and read them regularly. You'll be amazed at what you learn in a short amount of time.

Michael P. Haubrich, CFP(R), Guest Author
Michael P. Haubrich is a Certified Financial PlannerŪ practitioner and the founder and president of Financial Service Group, Inc. Learn more about him.

Renting a Room in Your House in Retirement
Renting a room in your home can bring in extra money in retirement. Here are 6 things to think about before you decide to do it.

7 Most Frequently Asked Retirement Questions
From both clients and readers, here are the seven most common retirement questions I am asked including medical expenses in retirement and pensions.

What Does Nominal Income Mean in Retirement Planning?
Retirement planning gets tricky if you confuse nominal with real. Here are some examples that explain the differences in terms of income and returns.

Social Security Rules for Restricted Applications
New laws have changed some of the Social Security restricted application rules. Here's how they work.

How to Calculate Your Internal Rate of Return (IRR)
Internal rates of returns are what matter to you as an investor. Here's how to use them and calculate them.

The TIAA Traditional Annuity - Clearing Up Confusion
The TIAA Traditional Annuity offers some compelling choices. Many participants don't understand their options. Here's how it works.

What is an Equity Glide Path?
Here's what an equity glide path is, and how it affects your investments.

Margo Armstrong, Guest Author on the RV Lifestyle
Information about Margo Armstrong who writes about the RV lifestyle for retirees.

How to Create a Retirement Income Plan
A retirement income plan is a year by year timeline that shows you where your retirement income will come from. Here is how you create one.

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Succession Planning
Transferring a family-owned business requires nurturing.

Employee Stock Options
Knowledge you need to understand and exercise your employee stock options.

Investing Mistakes
Don't lose your money. Learn from others. Here's how to avoid costly investing mistakes.

Managing Investment Risk
Want to be a successful investor? Learn how to manage investment risk.

Get Better at Investing
Ready to get better at investing? Here's what you need to do.

Retirement Investments
Learn as much as you can before choosing retirement investments. Here's what you need to know to find investments that will deliver retirement income.

Stock Market Investing
Stock market investing is not for rookies. Here's an overview of stock market returns, bear markets, and market valuation.

How to Get Steady Investment Growth
Steady investment growth can take a long time to achieve. Here are three rules to follow for successful results.

Are There People Who Should Have Debt in Retirement? Yes.
If you've been financially successful and are actively paying down debt, you may want to rethink your approach. Here's why.

Asset Allocation In And Near Retirement
Asset allocation is the term for deciding how much of your money should be in what type of investments. A different approach to asset allocation is needed as you near retirement.

Taxes on Social Security
There is a formula that determines if you will pay tax on Social Security income that you receive in retirement. Find out how it works and see case studies.

How Will the Medicare 3.8 percent Tax Affect You?
The Medicare 3.8% tax started in 2013 and affects high-income earners. Here's what you need to know about how it works and who it applies to.

How Much Are Your Social Security Benefits Worth?
Don't underestimate how much your Social Security benefits are worth! They are probably worth much more than you think. Here's why.

Estate Planning
How do you set things up so all that you have accumulated goes to the people you want it to go to? That is what estate planning is all about.

Why Do Bond Prices Go Down When Interest Rates Rise
When interest rates go up, bond prices go down. Why? Find out here how bonds and interest rates correlate.

Retirement Account Withdrawals
When can you take money from retirements, when should you, and what are the tax consequences? After retirement make sure you understand your retirement account withdrawal options.

What Happens If Your Insurance Company Files Bankruptcy?
What happens if your insurance company goes bankrupt? It may not be as bad as you think. Here's why most of your benefits may still be covered.

Stock Market Returns
Looking at past stock market returns will help you understand the level of risk involved in investing in stocks.

Retiring Overseas
Ever thought of retiring overseas, or living there for a few months or years at a time? Here's what you need to know about retirement abroad.

Retirement Planning in your 50’s
Retirement planning in your 50's is important. Here are 6 things you must do.

Is Retirement Income Taxable? Here's How To Tell
Is retirement income taxable? Some of it. Here's a guide as to which sources of retirement income are taxable, partially taxable, and tax-free.

Best Spreadsheets for Your Retirement Planning
Pre-made spreadsheets are great for your retirement and tax planning. This selection of downloadable spreadsheets are awesome, and many are free.

2016 Tax Rates for Retirement Planning
Once you understand how tax brackets work, you can use them to get better results with your retirement planning efforts. Here's how to do it.

How to Stop Social Security Retirement Benefits
Can you stop Social Security benefits once you start? Sometimes. Here are the conditions that apply.

Pay Down the Mortgage Before Retirement? Pros and Cons
Do you pay off the mortgage early, or invest your funds? One approach has proven to be best for retirees.

Medicare
Medicare basics, when to apply for Medicare and info on Medicare Part B and D premiums.

Earn More on Savings
Here's where to look to find higher rates on savings balances.

Save More
Saving more can feel great! Here are tips on how to save more without feeling deprived.

Retirement Budgets
The most important budget you'll ever create is your retirement budget. Find out what needs to be in it.

Money Lessons
Money lessons - its never too late to follow great advice. These are money lessons to live by and to teach to the grandchildren.

How Does The Social Security Earnings Limit Work?
Working and collecting Social Security benefits may trigger the earnings limit - which means you could owe some benefits back. Here's how it works.

Financial Planner Fees - How Financial Planners Charge
Financial planners, investment advisors and retirement planners may all charge fees in different ways. Find detailed information here on what you might pay for financial planner fees, and what questions to ask.

Are Mutual Funds a Good Investment?
Are mutual funds a good investment? They certainly can be! Here are six things you need to know to make them work for you.

How to Find a Good Retirement Planner, Financial Advisor or Investment Advisor
When you know what to look for finding a good retirement planner, financial advisor or investment advisor can be easier than you might think. Here are the things you need to know to find a qualified financial advisor or retirement planner.

Best and Worst Index Returns Over Twenty Year Time Frames
This bar chart shows the twenty year rolling returns from 1973 - mid 2009 for several stock and bond indexes. Page 7.

Best And Worst Index Returns Over Ten Year Time Frames
This bar chart shows the ten year rolling returns from 1973 - mid 2009 for various stock and bond indexes. Page 5.

Best And Worst Index Returns Over Fifteen Year Time Frames
This bar chart shows the fifteen year rolling returns from 1973 - mid 2009 for several stock and bond indexes. Page 6.

Best and Worst Index Returns Over One Year Rolling Time Frames
The charts in this series show you stock market performance in the form of rolling returns. Rolling returns do not go by calendar year; instead they look at every one year, three year, five year, etc. time period beginning anew each month over the historical time frame selected. Rolling returns give you a much better indication of stock market performance than most other ways of looking at market returns. Page 2.

Best And Worst Index Returns Over Three Year Time Frames
This bar chart shows the three year rolling returns from 1973 - mid 2009 for various stock and bond indexes. Page 3.

Best and Worst Index Returns Over Five Year Time Frames
This bar chart shows the five year rolling returns from 1973 - mid 2009 for various stock and bond indexes. Page 4.

S&P 500 Rolling Index 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.

Chart of Historical Inflation Rates in the United States
Is inflation running wild, or are the tales of soon-to-be-seen escalating prices, well, over-inflated? Historical inflation rates give insight.

Live Happily On Less
Need help spending less and staying happy doing it? Find creative ideas in these articles as well as tips from other readers.

Taxes On Home and Mortgage
Will you pay taxes on a home sale? Is your mortgage interest tax deductible? Find answers here.

Tax Planning
Looking for tax planning ideas? Learn how to shift income to lower brackets, use capital losses to your advantage, and much more.

IRAs and Taxes
Find information on IRA taxes and IRA tax deductions, for both Traditional and ROTH IRAs.

What's Your Picture Of Retirement?
This series of pictures have been sent to me by clients or readers who are happily enjoying retirement. What's your picture of retirement? Page 7.

What Type of Financial Advice Do I 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.

Retirement Income Funds
Retirement income funds are actively managed with the objective of paying out regular retirement income. They provide an easy to manage investment solution, and offer more flexibility (but less guarantees) than annuities.

Index Funds
Not sure what an index or an index fund is? Here are the basics.

Price To Earnings Ratio or P/E Ratio
One ratio some financial professionals use in an attempt to determine if the stock market is overvalued or undervalued is the price to earnings ratio, or P/E ratio.

Investment Books
Want to understand investing? This list of investment books is a great starting place. I've read each book on the list and summarized the content, so you're bound to find one that has the information you're looking for.

Books On Retirement
Looking for books on retirement, planning for retirement, or investing in retirement? I've read each retirement book in this list and summarized it's content. You're bound to find a retirement book that has the information you're looking for.

Ways To Increase Social Security Retirement Benefits
The best way to increase social security is to learn how social security retirement benefits work, and then do everything you can to get the most possible. These articles tell you how.

Social Security And Your Current Or Former Spouse
So many couples I talk to do not understand how social security benefits for a spouse work. There are spousal social security benefits available at retirement, after a spouse's death, and even after divorce. Learn more here.

Dividend Income
Resources to help you learn how to use dividend income for retirement income.

When to Begin Your Social Security Benefits
Should you being Social Security at 62 or 66? The answer is not as easy as it may seem. People miss out on thousands in benefits by making an uninformed decision. Find out what you need to know before you begin taking your Social Security.

Bear Markets
Bear markets, where the stock market drops over -20% in value, are more common than you might think. Sometimes the market recovers quickly. Sometimes it does not.

Guest Author Bios
guest authors. Money Over 55.

Buy Things For Less
Find ways to buy the things you want, but pay less for them. From discount retailers, to online shopping, these tips can help you get more for your money.

Learn To Be A Better Investor Through Behavioral Finance
Behavioral finance is the study of how human nature causes us to make irrational economic choices. Every investor can improve their choices by understanding behavioral finance and the inherent biases we all bring to the financial decision making process.

Best of MoneyOver55
Favorite blogs and articles on MoneyOver55.

Taxes and Social Security
You may pay taxes on your Social Security benefits. Here's what you need to know to potentially reduce the taxes you pay.

Types of Mutual Funds
Types of Mutual Funds. Money Over 55.

Investment Quotes - Quotes About Investing
Quotes about investing and the markets from academics, famous financiers, authors, regulatory agencies and more.

Safe Investments
Safe investments are designed to protect your principal. You won't earn much, but you won't have to worry about losing money either. Here you'll find a list of safe investments and what you need to know about them.

Health Insurance Information For Ages 55+
Here you'll find information specific to health insurance decisions for ages 55+.

Long Term Care Insurance
Resources and research on long term care insurance to help you determine if you need it, how much you may need, and where and how to buy it.

Monetary Policy and Politics
Don't know what the Fed is, or why everyone's talking about interest rates? Here you'll find some insight into monetary policy explained in terms you can understand.

Inspiration - Put Financial Decisions in Perspective
Put financial decisions in perspective. Here are some inspiring and insightful thoughts that will help.

Book Reviews: Books on Investing, Retirement and Wealth Building
Each book review will tell you how easy the book is to read, how technical the material is, and what you'll learn. All books reviewed are on the topics of investing, retirement and wealth building.

Glossary of Investment Terms
glossary of investment terms. Money Over 55.

Investment Fees
All investments have fees. It pays to understand what you are paying for, and who you are paying it to. Don't invest until you clearly understand all the fees involved.

Investment Income
Investment income can come from many sources, each with its own set of risks. Here you can learn more about dividend paying stocks, interest income, and other sources of investment income.

Should You Own Alternative Investments in Retirement?Should You Own Alternative Investments in Retirement?
Alternative investments promise higher returns, but are they as good as they sound? Here are the pros and cons to using them in retirement.

New Social Security Laws Affect Couples and Ex-Spouses
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.

Is Buying a Condo a Good Investment - Here's the Math
Is a condo a good investment? Here are the questions and calculations you'll need to make to determine the answer.

How to Harvest Losses & Gains Each Year to Save on Taxes
Mutual fund investors can manage capital gains and losses to increase their after-tax returns. Here's how it works.

7 Ways to Invest More Tax Efficiently
Here are seven layers of tax efficiency that you can use, one on top of another, to get better after-tax results from your investing efforts.

What Will A Good Financial Planner Do For Me?
What type of advice should you expect from a financial planner? Learn what a good one will do for you, and how to spot the fake planners.

When Tax Deferred Accounts Can Hurt You
Socking away all your money into tax-deferred retirement accounts may not always be the best thing to do. Here's why.

How to Stress Test Your Retirement Income Plan
Want to stress test your retirement income plan? Investment professionals use a Monte Carlo simulation, and so can you. Here's how it works.

How Tax Managed Funds Help Lower Your Tax Bill
Tax managed mutual funds offer big benefits to investors who hold investments outside of retirement accounts.

Three Worries With Healthcare At Age 55 And Beyond
Healthcare insurance needs after age 55 can be met in number of different ways. Here are three things to consider about health care at 55.

5 Ways to Use a Home Equity Credit Line in Retirement
Should you borrow against your home in retirement? Maybe so. Here are 5 smart ways to use a home equity loan.

10 Questions That Hinder Your Retirement Success
You might be surprised to find out how often you ask one of these 10 questions - which can hurt your retirement success - but you think they help.

How Scary is the Stock Market?
The stock market's ups and downs makes retirees nervous. Seasoned advisors and their clients act strategically. Find out why people will take these risks.

How to Get a Mortgage Once You Are Retired
Can you get a mortgage in retirement? Absolutely. Here's how the process works.

A Full Year View of The Bear Market Called Black Monday
On Black Monday the US stock market dropped more than 20% in a single day. In context of the entire 1987 year, this bear market looks a lot different.

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.

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.

Why I Don’t Like Private REITs for the Average Investor
As you near retirement, steer clear of private REITs. Here's why.

How Wall Street’s Biggest Investment Scam Impacts You
Ever heard fees in an investment don't matter because of the great results? Don't fall for this. Here's why it doesn't work that way.

3 Reasons You May Be Focusing on the Wrong Retirement Goal
If your goal is to increase investment returns in retirement, that may be the wrong goal. Here's why

How the Zero Percent Tax Rate Works on Capital Gains
You can harvest capital gains while in the 15% tax bracket to realize tax-free gains. Here's how you do it.

5 Reasons Why Your Financial Advisor Wants to be Your Friend
Be cautious of financial advisors who offer free golf, free lunches and invites to social events. Here's why.

How to Hire Family in a Family Owned Business
Here are 6 steps to take before hiring family (or friends) when running a family owned business.

How to Find The Best Performing Mutual Funds
Morningstar researches and ranks mutual funds. Their research shows there is one way to find the best performing mutual funds that is even better than their ranking system. Here is what it is.

Tricia Blazier, Personal Health and Financial Planning Director
Tricia Blazier, J.D., personal health and financial planning director for Allsup, applies her expertise to assist individuals making health care decisions.

Paladin Registry, Guest Author for MoneyOver55
Paladin Registry writes about credentials, ethics, and business practices of financial planners, financial advisors, and money managers.

Why Top 1000 Financial Advisor Lists Make Me Skeptical
Is a financial advisor listed on a

Retired? Look For These Forms to Report Income for Taxes
Newly retired? Keep an eye out for these documents you'll get that report taxable income that you'll include on your tax return.

IRA And Roth IRA Contribution Limits
Calendar year list of IRA and ROTH IRA contribution and earned income limits.

Blog


Your Guide In the News and on TV
Recently I had the opportunity to conduct two interviews for an online TV show called the Daily Dish. You can watch the interviews in the In The News section.

Social Security Calculators
Some Social Security calculators estimate your benefits. Others provide help and guidance. With the right Social Security claiming strategy you can get more benefits, so using the right calculator can pay off.

Bankrate Retirement Calculator Review
This a review of Bankrate's retirement calculator. Additional retirement calculator reviews are provided in this series such as retirement calculators by Vanguard, AARP and more. Page 8.

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.

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.

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.

ESPlanner Basic Retirement Calculator Review
See why ESPlanner Basic is the best free retirement calculator we could find.

AARP Retirement Calculator Review
This a review of AARP's retirement calculator. Additional retirement calculator reviews are provided in this series. Page 3.

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 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 4.

Does Taking On Investment Risk Deliver Higher Returns?
This series of graphs shows you how low risk investments fared against higher risk investments over the last thirty years. By understanding investment risk you can set realistic expectations about what to expect from investments and which choices are best for you. Page 3.

Does Taking On Investment Risk Deliver Higher Returns?
This series of graphs shows you how low risk investments fared against higher risk investments over the last thirty years. By understanding investment risk you can set realistic expectations about what to expect from investments and which choices are best for you. Page 6.

What's Your Picture Of Retirement
This series of pictures have been sent to me by clients or readers who are happily enjoying retirement. What's your picture of retirement? Page 3.

Does Taking On Investment Risk Deliver Higher Returns?
This series of graphs shows you how low risk investments fared against higher risk investments over the last thirty years. By understanding investment risk you can set realistic expectations about what to expect from investments and which choices are best for you. Page 2.

Does Taking On Investment Risk Deliver Higher Returns?
This series of graphs shows you how low risk investments fared against higher risk investments over the last thirty years. By understanding investment risk you can set realistic expectations about what to expect from investments and which choices are best for you. Page 4.

Does Taking On Investment Risk Deliver Higher Returns?
This series of graphs shows you how low risk investments fared against higher risk investments over the last thirty years. By understanding investment risk you can set realistic expectations about what to expect from investments and which choices are best for you. Page 5.

Does Taking On Investment Risk Deliver Higher Returns?
This series of graphs shows you how low risk investments fared against higher risk investments over the last thirty years. By understanding investment risk you can set realistic expectations about what to expect from investments and which choices are best for you. Page 7.

Comparing Low Risk Investments to High Risk Investments
This series of graphs show you the difference between a level 1 investment risk and a level 4 investment risk. By understanding investment risk you can set realistic expectations on investment returns and how much volatility you might have to experience to have the possibility of achieving higher returns.

Ten Financial Life Lessons You Can’t Live Without, Lesson One: On Hard Work - There Is Nothing but Honor in Honest Labor
I learned a lot about myself that summer. I learned that if I wanted, I could put in 10 or 12 hours a day of hard work. I learned there is nothing but honor in honest labor. I became an unabashed fan of capitalism. I saw how quickly money could accumulate in a savings account...

I’m Retired - Do I Still Need Life Insurance?
I'm retired...do I still need life insurance? These 5 questions will help you determine if you need life insurance, how much you may need, and what type of life insurance may be best for you.