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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