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The Exposed Failure of the 401(k) System

Were you aware that the median 401(k) account in America is a pitiful $18,433? (according to the recent 401(k) report by the Employee Benefit Research Institute) Yep, about 40% of employees in America have less than 10,000 in their 401(k) today… And no, it isn’t because 40% of Americans have pensions… They simply just don’t  Click to Continue

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Pros and Cons of Over-Funding Life Insurance

Just like all important financial decisions, it’s important to weigh the pros and cons before making a final decision. This premise holds true when deciding if you should proceed with over-funding life insurance for your particular needs. Overall, this concept involves the leveraging of small insurance premiums to produce a tax-advantaged death benefit that is  Click to Continue

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Financial Resolutions for 2015

Do you know what the top five New Year’s resolutions are? Lose Weight Volunteer Quit Smoking Get a Better Education Get a Better Job Number six is Save Money. Taking these actions will pay dividends and benefit your financial resolutions for 2015. Get clear goals and budget accordingly. Set specific, measurable and achievable goals and create  Click to Continue

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Ten Best Places to Retire Overseas

Dreaming of retiring overseas? That’s right, say goodbye to the 9-5 job, sell your possessions and immerse yourself in a new culture and language.  Check out these retirement havens. They are the top ten best places to retire overseas in 2014. Algarve, Portugal – Atlantic coastal region, safe, beautiful beaches, medieval towns, great weather, low  Click to Continue

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Social Security ‘Do-Over” Option

Many of my contemporaries are turning 62 this year and not surprisingly some filed straightaway for Social Security benefits. Their reasons varied. One felt like there would soon be no money to collect, so she should take it while the taking is good. Another very well-to-do friend, who will not have to worry about retirement  Click to Continue

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2015: the Year of the Foreclosed Homeowners Return

It’s been seven years. Those who lost their homes in the housing crisis of 2008 and 2009 are reaching the time where default events are erased off their credit report and many will be looking at homeownership again. 2015 could very well be the year of the foreclosed homeowners return. Best estimates are that about  Click to Continue

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How to Become a Senior Vagabond

Yes, please. Send my Social Security check to this address in Greece or France or Ireland or Spain. About 360,000 Americans received Social Security benefits at foreign addresses in 2013. That’s 48 percent more than 10 years earlier. They call themselves “Senior Gypsies” and “American Bedouins”. Baby Boomer retirees are changing the way they think  Click to Continue

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Where Should I Invest My Cash: Stocks or Housing?

Where should I invest my cash: stocks or housing? Determining whether to invest your cash in stocks or housing probably depends upon what your goals are. If your goal is to build wealth then putting all your money in a house may not be such a good investment. Nobel Prize-winning economist Robert Shiller said at a Standard and  Click to Continue

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How to Collect Social Security Benefits from Your Ex

Whatever happened to til death do we part? Statistics from the National Center for Family and Marriage Research show that despite the overall divorce rate in the U.S. dropping over the last 20 years, the divorce rate among Baby Boomers has doubled. Couples going through the tough and emotional process of divorce should be smart  Click to Continue

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