If you have something to say...
Say it on the Huffington Post
If you have something to say...
Say it on the Huffington Post
While borrowing from your 401(k) may seem like a quick cash fix, it's almost never a good idea. Here's why.
When we lived in NYC, we used the four basic methods of inner-city transportation: foot, subway, bus, taxi. Here in the Greater Puerto Viejo area, your basic travel options are a bit broader: bike, moto, bus; car, golf cart, ATV, horse, surfboard and the occasional ox cart.
What is your retirement fantasy? Is it learning to play golf, retiring to a beautiful seaside resort, learning a language, climbing Mt. Kilimanjaro or just kicking back, waking up to a good cup of coffee and no commute?
These are just some of the benefits and features that can help you maximize your Medicare Advantage coverage and improve your health and well-being. Be sure to take a look at your health plan today to make sure you're getting the most from your plan.
Boomers grew up with a spirit of optimism -- utopianism even. Many applied that energy to their careers, becoming not only dreamers, but also overachievers. Having lived the dream during their first act, they have high expectations for their second.
For me retirement means giving up. Half a life. The past dominates and the future is lifeless. UNLESS, you take on a new project, something you've never done before. Something that stimulates you mentally and physically. Dancing (ballroom), Swing, Latin, Tango, language (foreign), art, musical instrument, Yoga (any level), cooking.
There are many similarities between 401(k)s and IRAs (Individual Retirement Accounts), but there are also some notable differences. How do you know which type of account you should contribute to?
Some myths persist even when people ought to know they aren't true. These falsehoods can be fun, unless they are about money -- in which case they can do a great deal of harm. Here are four financial "facts" you should always take with a grain of salt.
Early this spring, I came to my ancient great-aunt with news. She was perched in her chair, sitting cross-legged like a yogi, sipping Coca-Cola, and listening to her books on tape when I opened her screen door.
Individuals pay hundreds of millions of dollars into life insurance every year, yet four out of 10 seniors lapse or surrender their policies before they receive any payout.
With today's economic uncertainties, many of us have one or more family members who are struggling financially. A brother who lost his job and is at risk of losing his house. An adult daughter who recently divorced and may need to move back in with you, at least temporarily -- with her two small children.
The bond-rating agency Moody's made itself famous for giving subprime mortgage backed securities triple-A ratings at the peak of the housing bubble. Well, Moody's is back. They announced plans to change the way they treat pension obligations in assessing state and local government debt.
One of the main points I stress to my clients in developing their encore career is that staying actively engaged will help you physically, mentally, and emotionally. It's not just good for your finances; it's good for your mental and physical health.
The maximum, not the expected age of life is the only appropriate planning horizon. Stated differently, we need to plan to live to the last possible date for the simple reason that we might.
The new health insurance exchanges -- also known as Health Insurance Marketplaces -- that begin in 2014 will be a welcome benefit to millions of Americans who need health insurance, especially uninsured baby boomers and pre-Medicare retirees.
I know that everyone needs and wants a break, but do you really want to be disengaged from productive activities for the rest of your life? Can you afford not to work at all for so many decades? Can our society afford to pay for so many retired people for so long?
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