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When the kids come back home (Don’t let them wreck your retirement)

The stories have been all over the news for some time now. Burdened by crippling student loan debt, Millennials are returning home to live with their parents. According to a Pew Research Center report, for the first time in modern history, more 18-to-34-year-olds are living with their parents than those living single, with a partner…

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Is it Smart to Borrow From Your 401(k)

According to the National Bureau of Economic Research, in 2015, 20 percent of Americans have an  outstanding loan balance on their 401(k) and 37 percent have had loans in the past five years. Ten percent of those borrowers defaulted and a whopping 86 percent of borrowers left their company with an outstanding balance, according to…

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Emergency Budget

There are many Americans who are not saving and, for these people, even a small unexpected expense will likely cause a financial setback. A survey of 1,000 Americans by Bankrate said nearly 60 percent of Americans would not be able to pay an unexpected emergency expense from their savings. Forty-five percent of those surveyed said…

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Jul 28, 2015

Living Benefit Riders for Annuities: A Good Source Of Income Protection For Retirees?

A concern of many retirees and near-retirees is the possibility of not having enough income to last the rest of their lives. The concern is understandable, given increasing life spans and the rising cost of living which exists in many parts of the US. Another hurdle is trying to make assets last as long as…

Figuring Out What Income You Need In Retirement

Rodney Brooks The most recent retirement confidence survey from the Employee Benefits Research Institute (EBRI) in Washington, D.C. says only 21 percent of Americans are now very confident that they will have enough money to live comfortably in retirement. Another 22 percent are somewhat confident.1 And the Transamerica Center for Retirement Research also says only…