Research across the board shows that seniors with close friends and families live longer happier lives. Whether you live on your own or in an assisted living community, active participation in social events lends itself to a better lifestyle.



Recent research into the ability of seniors to grasp modern technology shows that comprehension of social media websites comes easily but not quite as quick as it is for youngsters. Online social media tools such as facebook, twitter and community blogs all have one fast growing demographic in common: seniors.



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The top concern of 86% of retirees is losing their wealth, according to the 2011 March Edition of Financial Planning Magazine. There are many products out there that offer some principal protection such as CDs, SPIAs, FIAs, Bonds (when matured), money markets and basic savings accounts. Looking at the larger picture of products that offer some principal protection, we see a range between solidity and liquidity. Typically, the longer the investment is, the more money it can return. Shorter terms usually mean greater liquidity, but smaller returns. For example, a SPIA can offer income for life but your money is locked in for life too, you typically can never get it back. A short term CD can typically offer good liquidity, but your return is minimal.



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Eating right is always important and is a major contributing factor to quality of life. As we get older, more factors come into play and the effects of not eating right become more apparent. There are three basic criteria that define what is ‘eating right’ which are age, gender, and physical activity.



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Protect Your Money WITHOUT Market RISK



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With an abundance of market information literally at investors’ fingertips, the price/earnings ratios of publicly traded companies are easier than ever to find but often more difficult to interpret. In fact, knowing the P/E ratio of a single company, a basket of stocks, or the overall market may not be particularly helpful unless you are in a position to make meaningful comparisons.



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It’s somewhat disheartening that 40% of working Americans believe they will never save enough money to retire.1



There may be nothing you love more than running your business today. However, you may not be willing and able to stay involved forever, and there could come a time when your interests or passions lead you elsewhere.



When your company’s bottom line improves, it may be tempting to give yourself a raise and use the extra money to enhance your current lifestyle. But if you want to be in a position to finance your retirement dreams, you may want to think about how you can use some of your business proceeds to benefit your financial future.



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Planning for retirement is stressful for most people because they aren’t sure what to expect. The plans that a retiree sets in place now actually affect those they love for years to come after their passing. That is why it is important to prioritize and be prepared by answering some important questions.



How much will you need to retire? There are many factors that affect this such as the quality of one’s health, the amount of debt one has, the size of one’s house and its upkeep and inflation. If you don’t have enough, it’s probably not a good idea to retire. This isn’t necessarily a bad thing. It is often the case that retirees choose to continue working and find ways to turn their favorite hobby into income. This will reduce the risk of outliving one’s income and ensure leaving a legacy to their beneficiaries.



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Recently, fixed mortgages were near their lowest rates in almost 30 years. And if you are one of the many people who took out mortgages in the few years prior to that, you may be wondering if you should look into refinancing.



If your mortgage was taken out within the past five years, it may be worthwhile to refinance if you can get financing that is at least one to two points lower than your current interest rate. You should plan on staying in the house long enough to pay off the loan transaction charges (points, title insurance, attorney’s fees, etc.).



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More than half of working Americans are concerned that they may not have enough money to live comfortably during retirement (see chart). For most retirees, income will come from multiple sources. It may be helpful to consider mutual funds as a potential source of retirement income.



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Because life insurance typically becomes more expensive as we age, many people may believe they can’t afford to purchase coverage later in life. However, considering that life insurance is significantly less expensive today than it was a decade ago, you might be able to purchase new coverage and pay premiums comparable to those that were available when you were 10 years younger.



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In the first such analysis ever conducted, Swiss economic researchers have conducted a global network analysis of the most powerful transnational corporations (TNCs). Their results have revealed a core of 787 firms with control of 80% of this network, and a “super entity” comprised of 147 corporations that have a controlling interest in 40% of the network’s TNCs.





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To establish a charitable remainder trust, you transfer appreciated property to an irrevocable trust and designate the charity of your choice as the beneficiary of the trust. The property within the trust is then sold and reinvested to provide income. You retain a lifetime interest in the income generated by the trust, and when the trust expires at your death, the property within the trust is transferred to the charitable organization.



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Most Americans seem to understand that to pursue financial gains through investing, they typically must assume some level of risk. For example, one survey of investors with household incomes above $150,000 found that 98% were willing to assume at least some risk in pursuit of investment gains (see chart below).



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European Union officials recently announced an agreement to rescue debt-laden Greece for a second time. In addition to providing Greece with 109 billion euros in new loans and some relief from its existing debt, the plan includes measures to help prevent the crisis from infecting the other economies in the monetary union.



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Roth IRAs are quickly catching up to their older counterpart, the traditional IRA. About 19.5 million U.S. households owned Roth IRAs in 2010, compared with 38.5 million households who owned traditional IRAs. But the Roth IRA has been in existence only since 1998, while the traditional IRA has been around since 1974.



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More than half of working Americans are concerned that they may not have enough money to live comfortably during retirement (see chart). For most retirees, income will come from multiple sources. It may be helpful to consider mutual funds as a potential source of retirement income.



Read More...http://www.brpg-inc.com/content/earning-income-mutual-funds http://amplify.com/u/a1carr

Because life insurance typically becomes more expensive as we age, many people may believe they can’t afford to purchase coverage later in life. However, considering that life insurance is significantly less expensive today than it was a decade ago, you might be able to purchase new coverage and pay premiums comparable to those that were available when you were 10 years younger.



Read More....http://www.brpg-inc.com/content/evaluating-life-insurance-needs http://amplify.com/u/a1caro