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5 Investment Options for Seniors

For seniors and retirees, it’s likely you’ve been saving up money for most of your life. Perhaps you set aside money from each paycheck either in an employment-sponsored 401(k), stock options, or one of many different types of individual retirement accounts (IRAs). While you might have been saving for the better part of your life, you don’t want to stop once retirement age comes. Unexpected medical costs, increased taxes, natural disasters, and more can cause a financial burden with little to no preparation time.

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Reasons People Aren’t Buying Annuities (And Why they Should)

Annuities are a way of investing your money so that you are guaranteed to receive a set income for the rest of your life. Many financial experts champion these financial products as a realistic portion of your retirement plan. However, many people who should be buying them aren’t opting to do so. Less than $200 billion of

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The Impact of the American Taxpayer Relief Act On Your Retirement Savings

The fiscal crisis of 08’ brought a number of changes in our personal finance. Most importantly, retirement savings became a focal point of discussion. The most important regulation enacted by Congress since the fiscal cliff was the American Taxpayer Relief Act of 2012 which was signed into law on January 2, 2013. The Act gives permanence to

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Optimizing Your Pension Choices for Approaching Retirement

A recent Gallup poll determined that, 42% of low-income respondents will rely on Social Security and part-time work to help them through their “golden years”. Surviving on Social Security alone is difficult if not impossible but unfortunately many are relying on it. Other countries have similar results, for example in Australia government pensions are still

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