tag:blogger.com,1999:blog-40797507479107373352011-07-07T22:34:26.653-07:00For seniors so that they no longer need to worry about their money, have all the retirement income they need, and pay less tax.Andy Chanhttp://www.blogger.com/profile/01707477979361150621noreply@blogger.comBlogger61100tag:blogger.com,1999:blog-4079750747910737335.post-21301747945631730332009-07-08T11:50:00.000-07:002009-07-08T23:59:24.250-07:00

Retirement Income ReporterNovember 24, 2008Rather than looking forward to globe-trotting or golf, pre-retirees ages 45 and older are now worrying about saving enough money to afford daily expenses during retirement, a new survey by The Hartford Financial Services Group shows. The chief financial concerns for baby boomers include paying for food, shelter and other basic needs, the study said. A

Andy Chanhttp://www.blogger.com/profile/01707477979361150621noreply@blogger.comtag:blogger.com,1999:blog-4079750747910737335.post-7357801566246179722009-06-29T10:13:00.000-07:002009-06-29T10:13:23.194-07:00

One of the challenges many older investors face when managing their cash flow pertains to income from dividends. Unfortunately, common stock dividends come with no guarantees. Companies are not required to pay them, and those that do can suspend their dividends at any time as their business needs dictate. Since there are no guarantees for dividends, should you rely on them for planning even a

Andy Chanhttp://www.blogger.com/profile/01707477979361150621noreply@blogger.comtag:blogger.com,1999:blog-4079750747910737335.post-45378970448540569712009-06-29T10:00:00.001-07:002009-06-29T11:51:25.572-07:00

People are confused about annuities because the same word is applied to many different types of financial instruments. In this month’s newsletter I’ve put together some information that will end the confusion.End the Confusion About AnnuitiesDeferred Annuities are term deposits with insurance companies. They are similar to certificates of deposits at the bank. (Note: Bank deposits are

Andy Chanhttp://www.blogger.com/profile/01707477979361150621noreply@blogger.comtag:blogger.com,1999:blog-4079750747910737335.post-75260525847523714602009-06-14T10:38:00.000-07:002009-06-29T11:49:39.483-07:00

Both life annuities and life insurance serve as important tools in retirement planning. When considering either, recognize how insurance companies view the relevance of your health to the risk of offering these two products product types.In a way, an annuity is the reverse of a life insurance policy. Life insurance insures you against the risk of dying too soon with the benefit of supplying money

Andy Chanhttp://www.blogger.com/profile/01707477979361150621noreply@blogger.comtag:blogger.com,1999:blog-4079750747910737335.post-65682442797788485822009-06-12T09:00:00.000-07:002009-06-14T11:26:49.095-07:00

For millions of Hong Kong people, the choice between term and permanent insurance can be a confusing one. A number of variables factor in to whether one is more appropriate than the other for most consumers, such as debt level, health and longevity, and the size of one’s estate. There are a number of arguments on both sides stating why one is better than the other, but in virtually all cases,

Andy Chanhttp://www.blogger.com/profile/01707477979361150621noreply@blogger.comtag:blogger.com,1999:blog-4079750747910737335.post-31547386773304822952009-05-27T11:46:00.000-07:002009-06-16T11:57:42.672-07:00

While you are in retirement, be sure to get one issue resolved – and the sooner the better: discussing with your children how your affairs should be handled and by whom when your disability and death occurs.Although you may have your ‘active’ retirement life planned out, you need to bring your children on board about finances, long-term care, insurance, and perhaps housing when attending to

Andy Chanhttp://www.blogger.com/profile/01707477979361150621noreply@blogger.com