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Person-to-person (P2P) lending is the 21st centuryand#226;and#128;and#153;s answer to personal lending. Previously, if we needed money, we borrowed it from friends or family and if that failed, we turned to the banks. Now, there are more options for borrowers. If your credit is good, then online P2P lending is a great option. Letand#226;and#128;and#153;s say you need to pay for a wedding and you donand#226;and#128;and#153;t have enough savings. You can sign up at prosper.com and borrow at aand#194;and#160;Fixed Rates as low as 6.59% APR. This is a much better rate than than putting everything on a credit card. P2P lending is ? P2P Lending For Extra Retirement Income is a post from: Copyright and#194;and#169; 2010-2011 Retire By 40 All Rights Reserved.
As you're putting your retirement income distribution plan into place, remember that the question of how Social Security will meet its long-term obligations to both baby boomers and later generations has become a hot topic of ?.
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2012 Spring Conference Addressed Major Issues and Trends Around Trust, Demographics, and Innovation in the Retirement Income Industry. ?RIIA conferences are more eclectic and less parochial than others, as its motto ? ?the view across the silos? ? would suggest. To be more precise: a more networking-driven mix of executives and entrepreneurs, political mavericks and ? .
One of the more frequently-debated topics in the financial planning world is the subject of sustainable withdrawal rates from investment accounts in retirement and how to craft an appropriate plan for clients based upon a projected and#226;and#128;and#156;startand#226;and#128;and#157; value, assumed rates-of-return and the income needs of the retiring client or client-couple. Getting the plan right is often more art than science, since there are so many variables to consider, such as fickle investment markets, changing tax laws and life events that may be unpredictable.Adding to the problem in the past was the limited scope of retirement income planning analysis programs. Previously, much of the analysis and projections were too linear, meaning the calculations and results failed to incorporate realistic changes in variables such as inflation, fluctuations in investment returns, changes in tax rates, an early death of a spouse or unanticipated high medical expenses. The linear analysis relied on an and#226;and#128;and#156;averageand#226;and#128;and#157; of these variables, but as most planners can tell you today, one bad investment anomaly (like 2008) or the lack of an appropriate COLA can wreck an investment or retirement plan considerably.Today, retirement planning software programs often include some kind of and#226;and#128;and#152;probability analysisand#226;and#128;and#153;; the most common being the so-called Monte Carlo program. Monte Carlo takes the given data and, within certain ranges for variables (inflation, rates-of-return, etc.), randomly selects a number for each and runs thousands of simulations of the retirement period. From these simulations, the program projects a statistical and#226;and#128;and#156;probability of successand#226;and#128;and#157; for the plan. Recommendations can then be suggested to increase that probability in the future. Other recent enhancements to software programs include and#226;and#128;and#156;what-ifand#226;and#128;and#157; functions and variable-spending behavior analysis.As an example, retirement studies suggest that retirees tend to be less active as they enter their 70and#226;and#128;and#153;s and 80and#226;and#128;and#153;s. Conversely, their healthcare costs tend to increase as might be expected. Academic research suggests that basic living expenses and leisure expenses (vacations) may decrease by 10% to 25% per decade from age 65 to 85. Also, price inflation for healthcare is reportedly rising by 6-7% annually, versus the normally assumed 3% inflation for basic living needs. Incorporating these differences into the retirement analysis may show that perhaps less (or more) retirement assets are required to sustain income needs or that other measures are necessary.While no one retirement plan is perfect or guaranteed, (except using the ever-elusive crystal ball), adding measures of financial realism to the analysis and projections may be useful and informative to understand how solid the retirement fortress may be and whether it will stand up to the financial storms that are inevitable in the future..
press release April 1, 2012, 8:00 a.m. EDT TOPEKA, KS, Apr 01, 2012 (MARKETWIRE via COMTEX) ? Until now, fixed index annuities designed for retirement income have not been able to solve for substantial growth opportunity when markets decline. Today, Advisors Excel is one of a select group of distributors ? .
I have been doing Financial Planning for over 2 Decades. I can teach you several things. I also spent several years seeing how investments are structured and know exactly where everybody / Securites Firms make their money. The bulk of money made in the Financial Services Industry are made in securites of all types and ? .
Joe, as one of those devious, greedy investment advisors and financial planners I happen to like annuities of all kinds. I also like CD?s, all kinds of mutual funds, ETF?s, Muni?s, Bond of all sorts and REITS. What is right for one individuals financial and lifestyle situation, is not right for another. There are some ? .
www.2rsi.com Setting up your retirement income is like putting together a puzzle with many different pieces. One of the first steps in the process is to identify all potential sources of retirement income and estimate how much you can expect each one to provide. Social Security According to the Social Security Administration (SSA), more than ? .
Sponsored by Allianz Global Investors, the RIIA Thought Leadership Awards program consists of two categories, theand#194;and#160;Practitioner Thought Leadership Award and the Academic Thought Leadership Award where practitioners and scholars are recognized for their papers demonstrating excellence in original thinking and industry leadership on retirement management topics that contribute to RIIA?s Body of Knowledge, the Retirement ? .
Source:
http://retireby40.org/2012/03/p2p-lending-retirement-income/
http://www.bestretirementinformation.com/best-retirement-information/potential-sources-of-retirement-income-and-distribution-solvency.html
http://blog.annuitythinktank.com/archives/9833
http://www.retirementmanagementjournal.org/riia-2012-spring-conference/
http://kevinworthleyfinance.blogspot.com/2012/03/tweaking-reality-in-retirement-income.html
http://www.sheryljmoore.com/2012/04/advisors-excel-introduces-a-new-fixed-annuity-offering-gains-protection-and-growth-opportunity-during-bear-markets/
http://www.webpro007.com/finance-and-money/an-opinion-on-retirement-income-annuities-come-up-short/
http://www.lapinhjl.net/business/an-opinion-on-retirement-income-annuities-come-up-short/
http://www.nationalnewstoday.com/money-and-investing/potential-sources-of-retirement-income-and-distribution-solvency-by-wealth-advisor-in-carlsbad-and-encinitas-ca.php
http://www.retirementmanagementjournal.org/2012-practitioner-thought-leadership-award/
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