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This Is Rocket Science – How A Space Engineer Found His Best Place to Retire

Category: Retirement Planning

July 28, 2014 — Rich got our attention when he contacted us to suggest a city review for Ocean Shores, Washington. For one, we had never heard of this town. But more intriguing to us, he happened to mention that he had a 7 page analysis of how it stacks up to the criteria he found on Topretirements.com. That sounded pretty thorough to us. One thing led to another, and subsequently we had the pleasure of interviewing Rich about that analysis.

A Search for the Perfect Retirement Town
Rich and his wife, Jan, had lived in Washington State for 26 years early in their careers (1969 – 1995). Then they moved to Texas, where Rich (more…)

Posted by Admin on July 29th, 2014
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Trustees Report: Medicare Trust Fund Gets 4 Year Reprieve, Social Security Depletion Date Stays at 2030

Category: Financial and taxes in retirement

July 28, 2014 — Every year the 6 Trustees of the Medicare and Social Security trust funds issue a Report on the state of these 2 popular programs. This year the big news is favorable for the Medicare program – the year in which its Trust Funds are exhausted has been pushed back 4 years – to 2030. The good news is attributed to lower than expected inpatient hospital utilization, among other reasons, and represents a big change since last year’s report.

Over in the world of Social Security the news is the same as last year – the combined Trust Fund for retirement and Disability depletion date (more…)

Posted by Admin on July 28th, 2014
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At The Lake – Where the (Retirement) Living is Easy

Category: Best Retirement Towns and States

July 22, 2012. Note: This is Part 2 of a series. Part 1 on retiring at the lake was published in 2011. This installment lists more great lake towns for retirement. We hope you will add your ideas for the best lake retirement spots in the Comments section.

In our recent survey on “where to live” preferences, living on the beach was the third most popular choice. Although we wished we had also provided a “lake” option, we guess that being near the beach and living on a lake are close to being interchangeable, although not exactly the same. If we had listed the lake (more…)

Posted by Admin on July 22nd, 2014
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Social Security Loophole Can Lead to Windfall

Category: Financial and taxes in retirement

July 16, 2014 — A recent story in MarketWatch by Robert Klein highlights a little known but interesting wrinkle to the “file and suspend” strategy for maximizing Social Security benefits. The wrinkle can result in a significant windfall of cash, which might be particularly useful if you contract a life-threatening illness before age 70.

For background, the file and suspend strategy is mainly taken to allow one spouse to collect the spousal benefit while the other spouse continues to accrue benefits past Full Retirement Age (age 66 to 67 for baby boomers). In this strategy one spouse (more…)

Posted by Admin on July 16th, 2014
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The Best Road Trips for Baby Boomers

Category: Adventurous retirement

July 14, 2014 — It’s summertime and that means it must be time to plan a road trip – either for now or in the fall when the weather cools and traffic subsides. We are pretty sure that most baby boomers have a few routes on their personal bucket lists. In this article we will list 12 of our personal favorites to help you consider the possibilities. We also invite our members to suggest their “bests” in the Comments section below.

Types of great highways
You don’t have to drive far to find a great road – just about everyone probably has a favorite highway in their own part of the country. One that is near us in Connecticut is (more…)

Posted by Admin on July 14th, 2014
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An Alternative Retirement Lifestyle Option: The International Inclusive

Category: International Retirement

By Billy and Akaisha Kaderli

Does living in the States just cost too much?

We realize that not everyone wants to own property even if they have the assets to do so. Some people might not want to tie up their net worth in real estate but they have cash flow upon which to live, perhaps to enjoy vacations and foreign travel. Maintaining a comfortable lifestyle in the States can be costly. You might still have a mortgage, there are home repairs and property taxes, the price for owning and maintaining a car is high, and don’t forget about dining out, groceries and entertainment costs. For a modest-yet-comfortable home life you can pay three to four thousand a month easily.

But what if there was an additional (more…)

Posted by Admin on July 1st, 2014
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The Kids Are Through College, You Retire Next Month, and You’re Dead Broke. What’s Next?

Category: Financial and taxes in retirement

July 1, 2014 — Congratulations on getting the kids through college. With today’s out of control tuition costs, that was no easy task. And nice going with the retirement, we hope you get a hard-earned rest from a lifetime of work. The “Broke” part isn’t so good though, so here are 8 steps on how to help fix that.

Unfortunately you are not alone. It is estimated that (more…)

Posted by Admin on June 30th, 2014
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Florida and Southeast Top Your ‘Where to Retire’ Preferences

Category: Retirement Planning

June 24, 2014 — Thanks to the over 1800 members who took the time to contribute their valuable insights to last week’s “Where You’ll Live” poll. We appreciate you sharing! As promised, here is a detailed report on the findings. At the end of this article you will also find a complete report of the more than 450 individual responses to question 11, “Do you have anything else you would like to share about your retirement living preferences and the reasons behind them?.” We look forward to creating Part 2 of this survey, which will focus on the financial aspects of your retirement, later this summer.

Highlights
Your input provides confirmation of many opinions we hold about retirement preferences in general, along with some surprises. For example, it is not much of a stretch to bet that most of you are interested in retiring to a warm weather clime, with the Southeast and Southwest at the top of your preferences. We did not expect to see the level of interest there was in a suburban environment. And we were blown away with (more…)

Posted by Admin on June 24th, 2014
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6 More Downsizing Tips from Here and There

Category: Retirement Planning

June 18, 2014 — Downsizing and raising children have at least one thing in common- it’s a lot easier to tell other people how to do it than it is to do it yourself! Topretirements has published several articles about downsizing (see Further Reading at end of article) due to member interest. In this article we will explore some new tips from all over, and hope that you will contribute your own suggestions in the Comments section below.

1. It is never too early to start.
We can’t tell you many of our friends didn’t leave enough time for (more…)

Posted by Admin on June 17th, 2014
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Quiz: Is Your Memory Slipping?

Category: Health Issues

June 17, 2014 — The Wexner Medical Center at The Ohio State University is making available a free diagnostic test, SAGE, to help assess cognitive, thinking, and memory impairments. It is a simple exam you can give yourself in just a few minutes.

Although it might be scary to realize that perhaps you might be prone to (more…)

Posted by Admin on June 17th, 2014
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