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7 Legitimate Reasons to Delay Saving for Retirement

While saving for retirement is important, there are times when it makes sense to delay making investments. Most people invest for retirement in a...

Should Social Security Be Privatized? – Pros & Cons

In 1998, conservative think tank The Heritage Foundation reported that an average American household of two earners with a combined income of $52,000 would pay...

How Much to Save for Retirement – Are You on Track?...

401k's. IRAs. Roth accounts. Early-withdrawal penalties. Educating yourself about the various retirement plan options is intimidating, and figuring out how much you should be...

Early Retirement Extreme: Can You Really Retire in 5 Years?

How long do you need to work to retire? Fifty years? Forty? On the contrary, you may actually be able to retire in only...

Refinancing Your Mortgage Close to Retirement – Options & Cost

Record-low mortgage rates have been generating an avalanche of refinance applications, but if you're age 55 or older, you need to seriously consider refinancing in...

Personal Capital Review – Online Financial Advisor & Account Aggregation

These days, many American families have a bewildering array of financial accounts. Between checking and savings accounts, credit card accounts, insurance companies, money market accounts, IRA...

What Are Incentive Stock Options (ISOs) – Taxation, Pros & Cons

Most employee stock programs are designed to benefit either rank-and-file employees or all types of employees at a company. However, there is one type of...

Employee Stock Ownership in 401k Plans – History, Pros & Cons

There are several forms of stock option plans available that allow employees to purchase shares of their employer's stock on a tax-advantaged basis. Perhaps...

What Is an Employee Stock Ownership Plan (ESOP) – Definition, Pros...

There are several different types of plans available for employers that choose to reward their employees with shares of the company. However, there is...

What Is a 403b Retirement Plan – Contributions, Withdrawals & Taxes

Many people know that you should contribute to a 401k account to secure an enjoyable, comfortable retirement. But if you work for a nonprofit, a...

How Working After Retirement Can Affect Your Social Security Benefits

Whether it's a desire to contribute to society or to increase spendable income, many retirees decide to go back to work. Some have found...