Archive for the ‘Retirement’ Category
Bocas del Toro Home for Sale by Owner – Move to Panama. – Video
Posted: November 7, 2012 at 6:49 am
Bocas del Toro Home for Sale by Owner - Move to Panama.
EcoIslandLife.com Bocas del Toro Home for Sale by Owner- Move to Panama. This property is for sale for the first time! Visit the website above to see exactly what the house has to offer and how you can either buy it outright or become a fractional owner of it -- getting your slice of this Panama paradise for a fraction of the price. For more videos of this Other Properties Available in the Area... Subscribe to our channel through this link here... http://www.youtube.com We are not Bocas del Toro Real Estate agents, just friends, so any contact will be directly with the home owners themselves. More Information about this Bocas del Toro Waterfront Home for Sale... If you are thinking of retiring in Panama, then you #39;ll going to love this Caribbean home for sale. It is a Deltec 17 home with 1500 square feet of living space upstairs and an almost equally large man space and workshop downstairs. The dream workshop is also loaded with tools and woodworking equipment, so no matter what type of hobby you have, you #39;ll love this space. Most people who think of moving to Panama still want to have some of the comforts of home and this home has it all, with three bedrooms and two bathrooms, so ample space for family to come and visit along with a large spacious open plan living room, dining area and kitchen that makes the most of the almost constant breezes. The home is built for entertainment with a large outdoor entertainment deck, so your new life in Panama will include inviting your new ...From:EcoIslandLifeViews:0 0ratingsTime:02:42More inTravel Events
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Bocas del Toro Home for Sale by Owner - Move to Panama. - Video
Bloopers Your Backup Plan Take 1 – Video
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Bloopers Your Backup Plan Take 1
http://www.yourbackupplan.ca A tool for organizing tips, emergency preparedness, and having a Plan B. A system to guide you on What if. Organize, retirement plan and how to be prepared! For that disability, natural disaster, earthquake, theft, fraud, flood, sickness, death, pay bills, survival kit, budget, medical emergency, and where to get plan B for the modern family and manage your family affairs. Where to get plan B? What is a Plan B? Be ready for the unexpected! Check out our step by step system to guide you through your Backup Plan.From:Tina OlexaViews:1 0ratingsTime:01:19More inHowto Style
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Bloopers Your Backup Plan Take 1 - Video
{simøn’s} {safe} {and} {søund} – Video
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{simn #39;s} {safe} {and} {sund}
Wow. Right in the feels....... I mainly made that earlier video about Simon, because he had.... already left us. He went... into retirement. But I wouldn #39;t be surprised if they had put him down and didn #39;t tell us. I just hope he #39;s happier now. If I put put all of the video clips I had of Simon, it would be hours long. If I write all of my memories and feelings about Simon, it would be pages long. If I told you how much I #39;ve spent crying and remembering Simon... All I can do is this. Simon.... I just love you. I still do. Present tense. Because you #39;re always with me. My heart is with anguish within me; the terrors assail me. Fear and trembling have beset me; horror has overwhelmed me. I said, "Oh! That if I had the wings of a dove! I would fly away and be at rest with you- I would flee far away and stay in the field with you, I would hurry to our place of shelter. Far from the tempest and the storm.From:JumperEq07Views:4 0ratingsTime:00:54More inPets Animals
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{simøn's} {safe} {and} {søund} - Video
Hwang PRS Solutions – Video
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Hwang PRS Solutions
HwangIM unveils Private Retirement Scheme, Hwang PRS SolutionsFrom:HwangIM HIMViews:0 0ratingsTime:01:13More inNews Politics
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Hwang PRS Solutions - Video
Roy Jones Jr says NO to Kimbo
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Roy Jones Jr says NO to Kimbo NO to retirement [Loaded Gloves]
http://www.thekoncretejungle.com FACEBOOK: on.fb.me TWITTER: bit.lyFrom:Koncrete JungleViews:112 7ratingsTime:01:07More inSports
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Roy Jones Jr says NO to Kimbo
Sun City Grand Golf Course Home 4 Car Garage – Video
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Sun City Grand Golf Course Home 4 Car Garage
Sun City Grand Golf Course Home for Sale with 4 car bay garage! Sun City Grand is a retirement community in Surprise Arizona Go to Leolinda.com to see this Sun City Grand golf course home in Surprise AZFrom:Leolinda BowersViews:0 0ratingsTime:04:53More inPeople Blogs
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Sun City Grand Golf Course Home 4 Car Garage - Video
ESL: Retirement Reading, "How to Enjoy Retired Life" – Video
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ESL: Retirement Reading, "How to Enjoy Retired Life"
http://www.mademan.com http://www.buddyschool.comFrom:JefftheESLCoachViews:0 0ratingsTime:02:47More inScience Technology
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ESL: Retirement Reading, "How to Enjoy Retired Life" - Video
Assisted Living Facilities in Roanoke VA – The Park at Oak Grove Retirement Community – Video
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Assisted Living Facilities in Roanoke VA - The Park at Oak Grove Retirement Community
Assisted Living Facilities in Roanoke VA - parkoakgrove.com Other Assisted Living Facilities in Roanoke VA can #39;t compare to The Park at Oak Grove. Park-Oak Grove Retirement Community 4920 Woodmar Drive Southwest Roanoke, VA 24018 lrm; (540) 989-9501 The Park at Oak Grove is nestled in the mountains of Southwest Virginia. It is surrounded by a pleasant neighborhood and close to ample shopping and world class medical facilities. Life here is easy going and stress free. Independence of all of our residents is paramount. We are one of the area #39;s only locally owned and operated Assisted Living Facilities in Roanoke VA. Come take a tour today. But be careful, you may not want to leave.From:mrbooeViews:0 0ratingsTime:00:32More inPeople Blogs
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Assisted Living Facilities in Roanoke VA - The Park at Oak Grove Retirement Community - Video
Planning for a very long retirement
Posted: at 6:49 am
Aging expert Joesph Coughlin with "AGNES" -- short for "Age Gain Now Empathy System" -- which simulates how aging affects mobility.
(Money Magazine) -- You think you're on top of this retirement-planning thing. You've maxed out your 401(k) matches and loaded up your IRA.
Joseph Coughlin says you probably aren't even close to being ready for life after 65. The director of the AgeLab at the Massachusetts Institute of Technology says you also have to consider whether you'll be able to work if you want to, where you'll live, how you'll stay connected with friends and family, and whom you'll be able to trust when you need help making financial decisions.
The AgeLab's work is eclectic -- one of Coughlin's research specialties is the driving ability of older people -- tapping fields from engineering to psychology to find insights into ways people can live better as they age.
The group has designed a full-body suit, which enables product designers to experience the physical limitations of older customers, and has worked to develop smart-home technologies to help seniors live independently.
Coughlin spoke with editor-at-large Penelope Wang; their conversation has been edited.
You say that people need to think about not just retirement planning but "longevity planning." What's the difference?
The good news is that you are likely to live a lot longer than your parents did. That requires thinking and planning in areas that go beyond hitting a certain number in your retirement account.
Take the idea of working in retirement. People say they want to do it. But do you really believe that the education you got before you turned 22 -- or 24 if you went to grad school -- is going to last till you're 50, let alone 75?
Related: How to measure career success
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Planning for a very long retirement
The best way to pay your retirement advisor
Posted: at 6:49 am
(MoneyWatch) If you've decided you'd like to work with a financial advisor to help you generate reliable retirement income for the rest of your life, it's essential that the person has no incentive other than to act in your best interests. This often includes helping you choose between annuities and investing your savings to use systematic withdrawals for your retirement paycheck.
So one important thing to find out is how your advisor is paid. Having a trained professional whose compensation is aligned with your best interests can increase the odds that your retirement nest egg will turn out sunny side up, not scrambled.
My least favorite way to pay for retirement planning advice involves paying someone a commission or sales charge on investments or insurance products. With this method, advisors may be tempted to direct you to the investments or insurance policies that pay them the highest commissions. They may also be tempted to churn your account -- which means to buy and sell your investments frequently to generate commissions on every sale and purchase. Because commissions can range from 2 percent to 10 percent or more, on a $100,000 transaction you'd be paying $2,000 to $10,000 on every purchase or sale!
Fee-based planners are a better choice because, at least in theory, they shouldn't have a stake in your investing decisions. However, even here you need to be careful. The most common fee-based arrangement is to charge you a percentage of your assets that are under the advisor's management -- 1 percent is a common charge. And while 1 percent sounds small, it can really add up over the years. For example, suppose you have $400,000 in retirement savings. With this amount under the advisor's management, you'd incur annual charges of $4,000 -- year after year. After 10 years, you'll have paid your advisor $40,000 in fees, money you could have spent on yourself.
In addition, an advisor who charges an annual fee may not be too thrilled to recommend an immediate annuity -- which might be a good choice for you -- since those assets won't be subject to the advisor's charges.
My favorite way to pay for retirement planning advice is to find someone whom you pay by the hour or on a flat fee basis. Typical hourly rates range from $150 to $300, while a typical project fee could be $1,000, $2,000 or even more. Although that flat fee may sound high, it often works out to be less than 1 percent of your assets under management. It's comparable to the amount you might pay an attorney for estate planning or other legal matters. In many cases, an hourly fee-based advisor will give you a fee quote for a specific project, so you'll have a very good idea how much you'll spend in total.
A good hourly planner should also set you up with a plan to generate retirement income that doesn't need constant attention. So instead of paying a fee every year, as you would with a percentage of assets under management, you can pay for a periodic checkup or a review if an important event, such as the death of a spouse or a market meltdown, requires attention.
Even with hourly planners, however, there are no guarantees. Watch out for planners who put together complex plans that would require them to spend many hours each month monitoring your investments. All planners will have their biases, based on their background and training, but paying your advisor by the hour has the best chance of minimizing these biases.
Two networks of fee-based financial planners I'd suggest you investigate are Garrett Planning Network and the Alliance of Cambridge Advisors. Both of these planning organizations have national networks of advisors who meet specified standards for training and experience. These two suggestions are just starting points for your investigation, however, since there can be many qualified advisors near you.
Also, I should point out that many financial advisors who charge a percent of assets under management would also be willing to charge a flat fee or by the hour if you only ask them, so don't reject these type of advisors outright without investigating their fees further. If you can't find a planner who charges by the hour, then the percentage of assets under management is the next best approach. Be sure to have them explain the pros and cons of the different methods of generating retirement income.
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The best way to pay your retirement advisor