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Archive for November 2008

November 28, 2008

Retirement Investing Basics: Bond/CD “Laddering”

Bond CD investing

Especially in these uncertain times, future retirees are seeking maximum safety for their retirement nest eggs. Bank certificates of deposit (CDs), government bonds, and top-quality corporate bonds are traditional safe investments. Assuming you want to invest in them, how can you maximize return on investment without incurring risk, or being forced to “bet” on whether interest rates are going to rise or fall?

An ideal way to accomplish this is by using an investment strategy known as laddering. Basically, laddering is the process of spreading out different time frames (maturities) and interest rates to ensure that your overall portfolio has the desired average maturity and interest rate.
[Read more]

November 26, 2008

Book Review: Yes, You Can Still Retire Comfortably

Yes You Can Retire

Yes, You Can Still Retire Comfortably:
The Baby-Boom Retirement Crisis and How To Beat It

by Ben Stein and Phil DeMuth
Copyright 2005
New Beginnings Press
ISBN 1-4019-0318-5
Available from any bookstore, Amazon, or the websites mentioned in this article.

Why Buy This Book

Most books written for a consumer audience about investing and saving for retirement read like manuals written by MBA candidates. They simply aren’t accessible for the average reader who doesn’t want a lot of esoteric financial info that shows how smart the author is. Too often, the content is boring so the book ends up on the bedside table each night because you fell asleep reading.

Readers interested in retirement, and that’s most card-carrying members of the Baby Boom Generation, just want to know one thing: how can I afford to retire?

This book shows you the way.
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November 25, 2008

Retirement Investing Basics: Changing Jobs and Your 401(k)

If you’re moving to a new employer, you may be wondering how you can secure the retirement savings you’ve accumulated.

While specifics differ among companies, the most commonly offered retirement plan is the 401(k). In case you’re not aware of how it works, the 401(k) allows you to invest directly from your gross income without any tax deductions. Your money grows and compounds tax-deferred until you’re ready to retire. When you change jobs, it is important for you to understand your options.
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November 20, 2008

Let Exercise Unlock the Door to Better Baby Boomer Fitness

baby boomer fitness

If you’re a Baby Boomer, born between 1946 and 1964, you may be starting to notice a few more creaks and groans in your joints when you get up from your recliner than you did a few years back. Since Baby Boomers are by far the largest segment of our population, at least you have the knowledge that you’re not alone in this. But is there something you can do to improve the quality of your life and increase your longevity while forestalling age-related illnesses? Yes, better Baby Boomer fitness is possible and exercise is the key.
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November 17, 2008

Franchises: Beware the Risks

franchises

Many baby boomers who have lost their jobs to downsizing, outsourcing, or the economic downturn are considering buying a franchise as a path to entrepreneurship and a good income.

Sometimes it works that way—but sometimes it doesn't. One Subway owner lost his business because he wasn't able to come up with just under $3,000 he owed in back taxes.
[read more]

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