Why Some Are Left Lost In Retirement

American retirement plan concept with word cloudRetirement should be a leisurely time for fun and rewarding activities, not a time where you feel like you’ve lost so much.  Today’s article discusses how the leap from working full-time to retirement can be a drastic and difficult one. Here’s what they had to say, “a recent survey showed that the majority of pre-retirees (72%) would like to keep working in retirement. Almost half (47%) of current retirees either are working, have worked or plan to work in retirement. About 62% of working retirees continued to work to stay mentally active; 46%, to stay physically active; 42%, social connections; 36%, sense of identity and self-worth; 31%, to make money, according to the survey sponsored by Merrill Lynch in partnership with Age Wave.” To read more, CLICK HERE.

Running Too Fast May Lead To Tripping

FallingWhat happens when you started to run too fast? Or a train is going to fast? Usually we fall and you end up with a derailed train. It’s great when stocks do better than expected but can a stock move up too much and too fast? Today’s article discusses eight stocks that may be moving too fast. Here’s what they had to say, “investors are wise to closely monitor stocks that get ahead of themselves during market volatility. When investors are shuffling their portfolios around — as they have done during October — they tend to overdo the shifts and push valuations up excessively in spots. Finding those pockets of overvaluation is handy especially when markets shift in another direction.” To read more, CLICK HERE.

Saving For Retirement From Two Incomes

Piggy BanksThere’s no problem with having two piggy banks, especially when it comes to saving for your retirement. Today’s article discusses how you can plan for your retirement if you have two different incomes. Here’s what they had to say, “got side income? It’s a great opportunity to add to your retirement nest egg. But if you have a day job too, evaluating which retirement plan to open up, and how much money you can put in each plan is tricky. “There are traps,” says Scott Kaplowitch, a CPA with Edelstein & Co. in Boston.” To read more, CLICK HERE.

Oil Prices May Be Around For A While

Gas Prices How about those gas prices?! How low are the prices near you? Today’s article discusses why oil prices may be staying put. Here’s what they had to say, “There are, of course, more than just five reasons for oil prices not rising. We avoided the role of currency movements, which have lately added a new curve ball — the dollar has rallied against major currencies, and oil is priced in dollars. Another factor we have not explored is Iran. If Iran’s energy infrastructure comes back online in full, this could further add to downward pressures on oil prices.” To read more, CLICK HERE.

Slow Down Your Spending

SkiYou’ve just retired. Now is the time to buy that yacht you’ve always wanted and that house in that little ski resort town you always go to, right? No, unfortunately your retirement is not the time to start spending like crazy. Today’s article explains how you can cool it down just a bit with your retirement spending. Here’s what they had to say, “people tend to spend an average of about 20 percent less after they retire. We no longer have to pay Social Security payroll tax. We spend less for clothes, commuting and childcare. And we don’t have to save for retirement or our kids’ college education.” To read more, CLICK HERE.

Q&A About Finding Really Cheap Stocks

Today’s article has a discussion with Tim Rudderow, who is in charge at Mount Lucas U.S. Focused Equity Fund. Rudderrow explains his company find cheap stocks and invests in them. Here’s what they had to say, “Every six months he and his team use a proprietary model to pinpoint the 20 deepest value stocks of the S&P 500, and the fund buys those names and holds them for a year. So at any given time the fund owns as many as 40 companies, which at the time of purchase were some of the cheapest large-cap stocks available. And because stocks are ranked on a relative basis, the fund never runs out of names to purchase.” To read more, CLICK HERE.

What Is The Monte Carlo Simulation

CasinoWhat does a casino and retirement have to do with one another? No, it’s not taking a nice trip to Vegas and spending your children’s inheritance on gambling. Today’s article explains what Monte Carlo simulations are and how you can use it to see if you’ve saved enough for retirement or whether your money will make it through your entire retirement. Here’s what they had to say, “named after the famed casino in Monaco, Monte Carlo simulations attempt to incorporate the variability of real life into financial projections. The adviser plugs in such information as how much you saved, how much you’re saving on an ongoing basis (if you’re still working), how you invest that money, when you plan to retire, how much you plan to withdraw from your savings once you retire and how long you estimate you’ll need your savings to last.” To read more, CLICK HERE.

What You Need To Know About Last Week

Stock-ExchangeToday’s article discusses the stock market’s more positive finish to last week and what could possibly happen this week or later in the future. Here’s what they had to say, “strong results from General Electric (GE), Morgan Stanley (MS) and Honeywell (HON) put traders in a good mood for the first time in more than a week. Also helping: investors continue to hold out some faint hope that the Federal Reserve may keep the easy money party going just a little bit longer. While Friday’s rebound is optimistic, stocks are still down heavily for October.” To read more, CLICK HERE.

Keep Your Eye On These Numbers

QuotesToday’s article explains which numbers investors need to keep their eye on. Here’s what they had to say, “most investors are better off not obsessing about the day to day market moves. But if you’re keeping an eye on the numbers, here are three critical stats to watch. There is no “magic number” that triggers a sell-off, but these indicators would be big red flags.” To read more, CLICK HERE.

Here’s How You Can Cut Spending In Your Retirement

Money in handBeing worried about your finances when you are working is scary enough but to be worried about money after you retire well that can be petrifying. Today’s article will discuss nine ways to help you cut spending in your retirement. Here’s one of them, “pay with cash. People who put their plastic away and choose to pay with cash typically spend about 20% less, yet don’t feel deprived, Cunningham says. “Why? They have an increased awareness of their spending, and instead of casually spending their hard-earned money, they become more contemplative and as a result, spend less.”” To read all of the tips, CLICK HERE.