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Retirement Planning
 Websites presented in alphabetical order AARP: Policy and Research For Professionals in Aging 
 Contains "information on issues affecting the 50+ population." Includes "research publications, speeches, legal briefs," and more. Topics include health, medical care, money, and government. Searchable. http://www.aarp.org/research/ Topics: Federal (U.S.) Government, Finance, Investing, Jobs & Work, Senior Health, Seniors Last updated May 1, 2005 AARP: Reverse Mortgages
This site dedicated to providing information about reverse mortgages includes a reverse mortgage calculator, basic information about reverse mortgages, alternatives to reverse mortgages, the booklet "Home Made Money: A Consumers Guide to Reverse Mortgages," and more. From AARP. http://www.aarp.org/money/personal/reverse_mortgages/ Topics: Finance, Housing, Investing, Money Last updated Jul 29, 2009 Baby Boomers' Retirement Prospects: An Overview
This November 2003 report looks at retirement preparedness and prospects "of the baby-boom generation (people born from 1946 to 1964)." It discusses Social Security, Medicare, private pensions, retirement saving rates, savings needed for retirement, and more. A table provides summaries of retirement preparedness studies from the 1990s through 2003. From the Congressional Budget Office (CBO). http://www.cbo.gov/doc.cfm?index=4863&type=0 Topics: Communities & Groups, Finance, Jobs & Work, Seniors Last updated Feb 24, 2009 The Bear (Market) Necessities
This 2002 article addresses investment strategy for older investors whose retirement savings were negatively impacted by "the ferocious bear market that began in April 2000." Topics include how much and how soon to withdraw funds from a retirement account, diversifying retirement savings, and finding the right mix of stocks, bonds, and short-term investments. From AARP. http://bulletin.aarp.org/yourmoney/personalfinance/articles/thebearmarket.html Topics: Investing Last updated Nov 4, 2008 Can I Retire Early?
May 2005 article that discusses issues to consider when planning for early retirement. Topics include lifestyle and emotional issues, and financial considerations. Includes links to related articles and to retirement income and benefits calculators. From CNN/Money. http://money.cnn.com/2005/05/03/pf/expert/ask_expert/ Topics: Finance, Investing, Jobs & Work, Seniors Last updated Jun 21, 2005 Can the Retiree Health Benefits Provided by Your Employer Be Cut?
This fact sheet from the U.S. Department of Labor discusses the questions "How secure are my health care benefits after retirement? Under what circumstances can the company reduce or terminate my health benefits?" The sheet advises that "the key to understanding your retiree health benefits lies in the documents governing your plan," and suggests what to look for in plan documents. http://www.dol.gov/ebsa/publications/retiree_health_benefits.html Topics: Consumer Research & Advocacy, Drugs, Finance, Health, Investing, Jobs & Work, Seniors Last updated Apr 28, 2004 Can You Afford to Retire?
Companion to a 2006 Public Broadcasting Service (PBS) Frontline program that examines the retirement prospects for the baby boomer generation and current issues with pension and 401(k) savings plans. Provides a FAQ about retirement plans, articles, analysis, interviews, retirement stories, a teacher's guide, and readings and links. Includes video of the full program. http://www.pbs.org/wgbh/pages/frontline/retirement/ Topics: Finance, Investing, Seniors Last updated May 30, 2006 Center for Retirement Research: Publications
Collection of policy briefs, working papers, and other publications about retirement. Topics include Social Security, private pension plans, retirement savings, work and retirement, health, and international issues. Browse by subject or date (publications go back to 1999). From the Center for Retirement Research at Boston College. http://crr.bc.edu/publications/publications.html Topics: Finance, Jobs & Work, Seniors Last updated May 1, 2009 Choose to Save
This website features "user-friendly, multimedia materials to help individuals plan and save for their financial future." Find a retirement savings tool, brochures on topics such as compounding and IRAs, public service announcements, and links to calculators for costs associated with autos, bonds, budgets, college, insurance, life expectancy, and other areas. The Resources section has some broken links. From the Employee Benefit Research Institute, a public policy organization. http://www.choosetosave.org/ Topics: Finance Last updated Apr 27, 2009 Congressional Budget Office: Social Security and Pensions
This collection of documents from the federal budget office provides analysis, projections, and outlook on the U.S. Social Security system and other government pension topics. Features congressional testimony and papers such as "The Retirement Prospects of the Baby Boomers" and "Retirement Age and the Need for Saving." Includes documents back to 1978. http://www.cbo.gov/publications/bysubject.cfm?cat=11 Topics: Communities & Groups, Disabilities, Federal (U.S.) Government, Finance, Investing, Jobs & Work, Seniors Last updated Aug 21, 2007 Financial Education and Tools
Contains information and interactive planning tools on savings, budgeting, home and car purchasing, investing, loans, education, retirement, and estates. From Bank of America. http://www.bankofamerica.com/financialtools/ Topics: Automobiles, Consumer Research & Advocacy, Finance, Housing, Investing, Jobs & Work, Money, Seniors Last updated May 29, 2005 Financial Facts Tool Kit
Produced by the Securities and Exchange Commission to better inform consumers about saving and investing. Tips are included on planning for retirement, advice on investing, guides to mutual funds, market risks, corporate and municipal bonds, and workbooks such as "Get the Facts: The SEC’s roadmap to Saving and Investing." It links to an interactive version of the "ballpark estimate" worksheet for calculating how much money should be saved for retirement. http://www.sec.gov/investor/pubs/toolkit.htm Topics: Finance, Investing, Jobs & Work, Seniors Last updated Mar 16, 2004 Financial Planning and Retirement
Information about financial issues facing retirees. Topics include estate planning, financial advisors, insurance, investing and saving, and retirement income (such as individual retirement accounts, social security benefits, pensions, and annuities). Includes links to related information. From AARP. http://www.aarp.org/money/financial_planning/?source=google&sitrackingid=343711 Topics: Finance, Investing, Jobs & Work, Seniors Last updated Jun 22, 2005 Internal Revenue Service (IRS): Seniors & Retirees
Collection of IRS documents on tax topics of interest for older Americans and individuals planning for retirement. Includes relevant IRS publications and forms, and information about the Tax Counseling for the Elderly (TCE) program, retirement plans, and other related subjects. http://www.irs.gov/individuals/retirees/ Topics: Finance, Seniors, Tax Filing Season Last updated Dec 21, 2005 investorguide.com
Excellent source of information for the investor. Includes news and information on stocks, bonds, mutual funds, brokers, exchanges, and much more, credit, loans, taxes, retirement, etc. The site also has a large categorized directory with annotated links, a learning center, and a glossary of over 6,000 terms. http://www.investorguide.com/ Topics: Finance, Investing, Jobs & Work, Seniors Last updated May 11, 2005 IRA Online Resource Guide
Guide to traditional and Roth IRAs (individual retirement accounts) and IRA-funded plans such as SEPs (simplified employee pension) and payroll-deduction IRAs. Includes forms and publications, and information for individuals, business owners, and tax professionals. From the Internal Revenue Service (IRS). http://www.irs.gov/retirement/article/0,,id=137320,00.html Topics: Finance, Investing, Seniors, Tax Filing Season Last updated Apr 2, 2009 Kiplinger's Personal Finance: Retirement
Collection of articles and columns on topics related to retirement savings, such as individual retirement accounts (IRAs), 401(k) and pension plans, annuities, and retirement planning for children and young adults. Includes retirement calculators. From the website for Kiplinger's Personal Finance magazine. http://www.kiplinger.com/retirement/ Topics: Finance, Investing, Seniors Last updated Nov 6, 2009 Making Early Retirement Possible
A collection of articles about financial issues for early retirement. Topics include planning for early retirement, making your money last, and insurance. Also includes links to additional articles on retirement and estate planning and to planning tools, such as a retirement expense calculator, retirement income calculator, and a risk tolerance quiz. From MSN Money. http://articles.moneycentral.msn.com/RetirementandWills/RetireEarly/RetireEarly.aspx Topics: Finance, Investing, Jobs & Work, Seniors Last updated Jun 8, 2006 Nine Frequently Asked Questions About IRAs
This FAQ covers topics about individual retirement accounts (IRAs), such as spousal IRA contributions, Roth IRAs withdrawal rules, Roth IRA conversions, and how IRAs are taxed. From SmartMoney, a joint publishing venture of Dow Jones & Company and Hearst Communications. http://www.smartmoney.com/personal-finance/retirement/nine-frequently-asked-questions-about-iras-7950/ Topics: Finance, Investing, Seniors Last updated Feb 14, 2009 Pension Benefit Guaranty Corporation (PBGC)
PBGC "protects the retirement incomes of nearly 44.3 million American workers in more than 31,000 private defined benefit pension plans." Site provides information about this government agency, which was created by the Employee Retirement Income Security Act of 1974 (ERISA) to take over responsibility for paying pension benefits from companies that terminate plans. Includes information about specific plans, the application process, and participant services. Searchable. http://www.pbgc.gov/ Topics: Business, Finance, Investing, Jobs & Work, Seniors Last updated Jan 26, 2004 Reverse Mortgage Calculator
"This calculator provides approximate estimates for two nationally available reverse mortgage programs." The two loan programs used for the estimates are the federally-insured Home Equity Conversion Mortgage (HECM), and the Home Keeper Mortgage from Fannie Mae. Calculations are based on the age of the homeowner, and the value and location of the home. Includes links to additional material about reverse mortgages. From AARP. http://www.rmaarp.com Topics: Finance, Housing, Investing, Money, Ready Reference & Quick Facts, Seniors Last updated Dec 14, 2005 Reverse Mortgages for Seniors
"Reverse mortgages are a special type of home loan that lets a homeowner convert the equity in his/her home into cash." Includes basic facts, information about the Home Equity Conversion Mortgage (HECM) program from the HUD, a list of HUD-approved HECM counselors in each state, and related information. Also includes information for HECM lenders. From the U.S. Department of Housing and Urban Development (HUD). http://www.hud.gov/offices/hsg/sfh/hecm/hecmhome.cfm Topics: Finance, Housing, Investing, Money, Seniors Last updated Dec 14, 2005 Reverse Mortgages: Get the Facts Before Cashing In On Your Home's Equity
A fact sheet about reverse mortgages. Explains eligibility, the three main types (single-purpose, federally-insured, and proprietary), what to watch out for during the loan process, and alternatives to reverse mortgages. From the U.S. Federal Trade Commission (FTC). http://www.ftc.gov/bcp/edu/pubs/consumer/homes/rea13.shtm Topics: Housing, Investing, Money, Seniors Last updated Oct 25, 2007 Reverse Mortgages: Is One Right For You?
"This [2001] booklet outlines some of the things you should think about before applying for a Reverse Mortgage." Explains how reverse mortgages work, outlines advantages and disadvantages, warns against scams, and discusses alternatives to drawing down the equity of a home to supplement income. Opens directly into a PDF file. From the California Department of Real Estate. http://www.dre.ca.gov/pdf_docs/reverse.pdf Topics: Finance, Housing, Investing, Money, Seniors Last updated Nov 21, 2007 Social Security Online: Retirement Planner
This site provides calculators, charts, and other information for determining Social Security retirement benefits. The "Near Retirement" section addresses full retirement age, delayed retirement, "break even" points, and related topics. Some information also in Spanish. From the Social Security Administration (SSA). http://www.ssa.gov/retire2/ Topics: Federal (U.S.) Government, Finance, Jobs & Work, Seniors Last updated Dec 6, 2005 There's No Place Like Home: The Implications of Reverse Mortgages on Seniors in California
This report, issued in 1999, remains timely on the issue of reverse mortgages for seniors, particularly in the area of the cost of the mortgages relative to the income received and on the distinctions between government-issued and private loans. The report explains how reverse mortgages work, warns against scams, discusses alternatives, and strongly recommends financial counseling (required for some types of government-issued reverse mortgages). From Consumers Union. http://www.consumersunion.org/finance/revinfowc899.htm Topics: Finance, Housing, Investing, Money, Seniors Last updated Dec 14, 2005 U.S. Department of Labor: Pension Reform
This is "the official location for the Administration on pension reform, including the President's single employer defined benefit pension reform proposal." Provides links to documents on the Pension Protection Act of 2006 (signed by President Bush in August 2006), white papers, congressional testimony, press releases, and other documents. From the U.S. Department of Labor, Employee Benefits Security Administration. http://www.dol.gov/EBSA/pensionreform.html Topics: Finance, Jobs & Work Last updated Aug 28, 2006 |
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