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The Retirement Institute

Learning to Live with Others

If you’re used to living in a home of your own, then you might not be prepared for the difference when you move into a retirement community, condo or apartment. But because it’s easier to care for, and often more affordable, an apartment or condo could definitely be in your …

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What Happens When a Bond Issuer Defaults?

  Lately, there has been a lot of talk about bond defaults. And it’s not just junk bonds that are failing to come through—some municipal bonds have also recently defaulted. This is troubling for the millions of people who turned to the relative safety of bonds after losing money in …

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Playing Catch-Up with Your Retirement

If you’re getting close to the age at which you originally thought you’d retire, you may be thinking that it’s time to re-evaluate that decision. Between market risks, low-interest rates and defaulting bonds, you might be scared that you simply haven’t saved enough to withstand decades of retirement and financial …

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Should You Sell When Your Stocks Stop Growing?

Buy low, sell high. That’s the refrain uttered by financial advisors everywhere. But for some investors, this mantra is easier said than done—especially as they watch their stocks slip and slide down in value like many have during the first few weeks of 2016. It’s easy to hang on when …

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Coping with Loss

When we talk about the retirement years—the so-called “Golden Years” of life—we often focus on the positive side only. The time away from work, time spent watching your family grow and evolve, and hours invested in traveling and focusing on your hobbies. But there’s a lot more to retirement than …

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Should You Attend that Seminar?

Seniors often receive seminar invites to learn about new products and investments that can help save or enhance their retirement. While many of these seminars truly offer important, valuable information—some are just scams hoping to find gullible seniors to swindle. It’s important that you learn to tell the difference before …

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Should You Borrow from Life Insurance?

  One of the benefits of having a whole or permanent life insurance policy during retirement is that it allows for tax-free loans from the accumulated cash values. These cash value reserves can provide an essential source of postretirement income for lifestyle maintenance, emergency expenses and major purchases. But it’s …

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Understanding the Reverse Mortgage

There are many strategies for seniors who want to increase their postretirement income, some far more appealing than others. One strategy that many have heard of is the reverse mortgage. While not necessarily a “bad” strategy, it’s important that seniors understand the ins and outs of this approach before they …

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Five Social Security Facts for 2016

The year 2016 marks an important time for changes with the Social Security system. Some of the strategies retirees have relied on are going away and, as a result, important adjustments need to be made to the way you approach your retirement planning. Fact 1: Restricted application is no longer …

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