Forbes - Retirement

Another Excuse To Take Away Your Social Security

Wed, 28 Sep 2016 02:48:00 GMT2016-09-27T22:48:00Z

Danger ahead for people counting on delayed retirement credits on their Social Security.

Financing A Business Acquisition -- Banks Lower Threshold By Up To 30%

Tue, 27 Sep 2016 17:06:00 GMT2016-09-27T13:06:00Z

While banks may be softening their stance regarding deal size, buyers cannot escape having to be qualified financially and experience-wise, and must be willing to personally guarantee the loan. This is also the case with seller-based financing although in these cases, the assets of the business rather than personal ones are usually pledged.

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How Social Security Misleads About Claiming Benefits

Tue, 27 Sep 2016 16:27:00 GMT2016-09-27T12:27:00Z

A recent GAO report and Senate hearing took Social Security task for its information about claiming Social Security benefits

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Mortgage And Refinance Questions That Come Up With Retirement

Tue, 27 Sep 2016 16:01:00 GMT2016-09-27T12:01:00Z

Is your home loan ready for your retirement?

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Six Ways to Improve Your Finances During a Football Game

Tue, 27 Sep 2016 13:52:00 GMT2016-09-27T09:52:00Z

Football season is upon us, and whether you're partial to college ball, the NFL, or are just plain addicted to anything resembling a pigskin, you can expect a lot of couch time.  But you don't have to ignore your finances just because the running backs are slashing, linebackers are taking down opposing quarterbacks and the beer and nachos are plentiful.  You can take time between cheering, dipping, or complaining about a blown call to improve your financial life. Think it can’t be done? Well, here are six ways to take care of your finances during the course of a single football game.

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The Problems With A Constant Retirement Spending Strategy

Tue, 27 Sep 2016 13:43:00 GMT2016-09-27T09:43:00Z

The first method to be tested is the original constant inflation-adjusted withdrawal strategy introduced in William Bengen’s 1994 article, “Determining Withdrawal Rates Using Historical Data.” This will serve as a baseline for subsequent comparison with other strategies. Bengen’s rule says to adjust spending annually for inflation and maintain constant inflation-adjusted spending until the portfolio depletes.

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Financial Coach, Financial Advisor, Or Financial Planner: Which Should You Use?

Tue, 27 Sep 2016 13:12:00 GMT2016-09-27T09:12:00Z

There many financial professionals that could give you financial advice, including financial coaches, financial advisors, and financial planners, but which one is right for you?

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Ask Larry: Should I Take My Retirement Benefit Early To Activate My Wife's Spousal Benefit?

Mon, 26 Sep 2016 20:34:00 GMT2016-09-26T16:34:00Z

Today’s column explores the sequencing of different available benefits, disability, widow(er)'s, spousal and divorced spousal benefits, and coordinating benefit filing dates for married couples.

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Will AUM-Based Fees Or Retainers Rule The Day?

Mon, 26 Sep 2016 13:24:00 GMT2016-09-26T09:24:00Z

With the Department of Labor's (DOL) new Fiduciary Rule set to begin in April, there is a debate brewing over whether the more traditional asset under management (AUM) based fees or retainers will win the day moving forward. Clearly, under the best interests rule for retirement, advisers will be moving away from charging commissions and gravitate toward fees. The question is, what is the fairest and most defensible way to charge clients?

Are 401(k) Middlemen Gouging You? Five Questions To Ask

Mon, 26 Sep 2016 13:23:00 GMT2016-09-26T09:23:00Z

Middlemen in 401(k) plans can eat up your savings. Here's how to tell if you're being gouged.

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15 Top Foreign Retirement Havens

Mon, 26 Sep 2016 13:23:00 GMT2016-09-26T09:23:00Z

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The Retiree With Six Incomes

Sun, 25 Sep 2016 19:05:00 GMT2016-09-25T15:05:00Z

This guy has nothing in the bank, but you don’t have to feel sorry for him.

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Scam Alert: Beware 'Volunteer' Caregivers

Sun, 25 Sep 2016 16:53:00 GMT2016-09-25T12:53:00Z

Watch out for "volunteer: caregivers. They could be scams.

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12 Warning Signs An Investment Is A Scam

Sun, 25 Sep 2016 16:53:00 GMT2016-09-25T12:53:00Z

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Are You Using The Wrong Retirement Account?

Sun, 25 Sep 2016 14:00:00 GMT2016-09-25T10:00:00Z

We all know we need to save for retirement, but let’s face it. We also have limited funds with which to save. With all the various tax-advantaged retirement account options available to use, it can be tricky to know which ones to prioritize with our limited savings. Making the wrong choice could cost us in higher taxes, less flexibility, or even missing out on free money. Here are some factors to consider in making sure you’re getting the full value out of your tax-advantaged retirement accounts:

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Helping Older Drivers Stay Safely Behind The Wheel

Sun, 25 Sep 2016 12:00:00 GMT2016-09-25T08:00:00Z

New guidelines for older drivers offer steps family members and professionals can take before suggesting giving up the car keys.

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How To Get Mom Or Dad To Stop Driving

Sun, 25 Sep 2016 12:00:00 GMT2016-09-25T08:00:00Z

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Inside America's Most Luxurious Fall Foliage Getaway

Sat, 24 Sep 2016 21:00:00 GMT2016-09-24T17:00:00Z

Why Lake Placid is the best place to see autumn leaves right now

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Audi, "The Mother Of All Dieselgate Cheating," Keeps Its Oblivious CEO Rupert Stadler

Sat, 24 Sep 2016 13:30:00 GMT2016-09-24T09:30:00Z

Last Wednesday, Audi CEO Rupert Stadler was interrogated by investigators of the Jones Day lawfirm, who showed great interest in his involvement with Volkswagen’s dieselgate scandal.What transpired on the hot seat depends on who you ask. Some claim the interview produced a lot of nothing. Some say that Stadler was confronted with new accusations. Then there is that long-term Volkswagen executive who tells me that Stadler could be the lynchpin of present and past Volkswagen scandals and that no-one in Volkswagen’s leadership would have any interest in Stadler becoming talkative.

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How Much Do Mutual Funds Really Cost?

Sat, 24 Sep 2016 13:00:00 GMT2016-09-24T09:00:00Z

Mutual funds have many different kinds of costs, many of which are unapparent to the untrained investor. Naturally, these costs can eat away at returns. So, what are these costs? And, how large are they?

3 Big Dividends About To Be Slashed, And 3 To Buy Instead

Sat, 24 Sep 2016 12:39:00 GMT2016-09-24T08:39:00Z

Today I need to warn you about a common mistake I’ve seen burn investors over and over. I’ll also show you 3 bargain dividend growth stocks that are great buys for your retirement portfolio now; more on those in a moment.

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How To Get 5% Dividends Tax Free

Sat, 24 Sep 2016 11:34:00 GMT2016-09-24T07:34:00Z

Municipal bonds are popular with retirees because they provide tax-free income. Some pay secure yields above 6%, which translates to 10% tax-equivalent payouts to folks in high tax brackets.

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The 5 Most-Sold Stocks Of All US Investment Funds

Fri, 23 Sep 2016 21:03:00 GMT2016-09-23T17:03:00Z

Hedge funds have struggled to outperform the market in 2016. According to the Barclay Hedge Fund Index, the average net return for hedge funds year to date is 3.43%, compared to 6.1% for the S&P 500. Throughout the second quarter and third quarter, the market has continued its heated pace of growth, even as several worrying trends signal a disconnect from economic reality. For one, nonfinancial-corporate profits from current production (operating income) declined from a 7.6% increase in the year ended June 2015 to a 9.3% contraction for the year ended June 2016. At the same time, nonfinancial corporate debt rose from 601% in the second quarter 2015 to 697% in the recent second quarter, the highest since 717% reached in second quarter 2010, according to Moody’s Analytics.

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Avoiding Awkward Situations And Feelings In Retirement

Fri, 23 Sep 2016 15:38:00 GMT2016-09-23T11:38:00Z

Ever feel awkward or embarrassed in middle school? Wait until you get to retirement.

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Gary Johnson's Surprising Stands On Social Security And Health Care

Fri, 23 Sep 2016 15:27:00 GMT2016-09-23T11:27:00Z

Libertarian Party presidential nominee Gary Johnson has pretty radical proposals for older voters.

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Hillary Clinton Vows 65% Estate Tax To Donald Trump's Repeal

Fri, 23 Sep 2016 13:09:00 GMT2016-09-23T09:09:00Z

First, Hillary Clinton proposed raising estate taxes from the current 40% to 45%. Now, she wants a 65% death tax. Any questions?

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Three Ways To Save A Lot More For Retirement

Fri, 23 Sep 2016 11:00:00 GMT2016-09-23T07:00:00Z

You can easily boost your retirement savings. Here's how.

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Forbes 20 Best Foreign Retirement Havens

Fri, 23 Sep 2016 11:00:00 GMT2016-09-23T07:00:00Z

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CPAs Ask Congress To Help Inheritors

Thu, 22 Sep 2016 19:00:00 GMT2016-09-22T15:00:00Z

A new basis reporting law is confusing inheritors and causing headaches for executors. The AICPA is asking Congress for a fix.

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PBS Frontline Election Doc 'The Choice 2016' Connects The Dots

Thu, 22 Sep 2016 18:13:00 GMT2016-09-22T14:13:00Z

In the new PBS election documentary, 'The Choice,' viewers learn what made Hillary Clinton and Donald Trump who they are today.

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