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]]> http://www.a401k.com/relevant-data/feed/ 0 http://www.a401k.com/8-retirement-ensures-sites/ http://www.a401k.com/8-retirement-ensures-sites/#comments Wed, 11 Jan 2012 02:42:44 +0000 admin http://www.a401k.com/8-retirement-ensures-sites All-star plan ensures cushy retirement | Family Finance | Personal .
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But, prepare to forget everything you once thought was ‘normal.’

Because to be honest, although you might love the idea of retiring in Thailand, it’s not always easy Living here often transforms itself into an adventure of some sort or another. You’ll be bombarded by a whole new way of thinking. And it may seem as if no one in Thailand is even remotely serious, even about anything they should be serious about

In other words, choosing to retire in Thailand, will probably be the healthiest thing you ever do Would you like to know why?

It’s very simple. There’s an abundance of lovely Thai women, and the relaxed, peace loving Thai people have an enjoyable laid back attitude. And that’s only the beginning. The all-embracing and heart felt welcoming that you’ll get from coming here will melt all your worries away.

Maybe, just maybe, you’ll fall in love with this country too.

And speaking of Thai women, if they’re an important part of your retirement Thailand ‘vision’, then prepare yourself to be impressed. Or mildly concerned It’s a big kick-in-the-pants for any Western man who’s never ventured to an Asian country. Indeed the ‘Thai woman factor’ seems to rub off on all men, one way or another, who come to travel or live in Thailand.

Having said all that, you may find that the culture is just too alien for you at times, the weather incredibly hot, and that the language is way too hard to learn. But these are small challenges to deal with. It’s a tropical country, and the language is very learnable with some persistence (and especially with a Thai girl friend helping you)

Of course you don’t need to live right in the heart of Bangkok (Thailand’s busy capital) either. There’s an abundance of smaller cities and lifestyle options available to you. You could easily live comfortably in the mountains far north, or go south west to the coast and beach lifestyle of places like Phuket.

Either way you’ll find that the low cost of living, interesting expat community, internet access, and low crime all add up to a rather attractive ‘retirement lifestyle.’

Oh and one more thing – we haven’t even touched on the food yet (The Thais live for their food) Prepare to be impressed. And prepare yourself to never stop wondering just why Thai people like to eat so much spicy hot food in a tropical, always-hot climate. I’ll urge you to try to work out that one for yourself.

On the other side of the coin, the Thai people can tend to be a bit on the loud side sometimes, can suffer from a lack of creativity and originality, and their driving manners can be rather unnerving. But, not to worry, the only person to get serious about something like that will be. (can you guess?) You

And what about Thailand living costs? Well guess what? It costs so little to live here, (in comparison to other ‘Western’ countries) that you’ll think twice about ‘ever’ buying something in your own country again

All in all, if you are considering retirement, Thailand is quite possibly the perfect Eastern lifestyle that could become your beautiful rainbow after a summer rain There’s only one real way to find out. come and see for yourself.

Senior care including decisions about retirement homes, home healthcare, retirement communities and the like are among the most difficult decisions many families face. The complexity of the decision is exasperated by the fact that most families need to make decisions quickly.

For many, the necessity of making senior care decisions come a little sooner than expected whether the decisions they are making are for themselves or their loved ones. The need to make a fast, informed decision about nursing homes, senior housing and healthcare underscores the need for many people to find fast, reliable information on facilities, benefits and possibilities for them or their loved ones.

Eleanor Boyd suffered a stroke in her early 60s. Her family was not anticipating that she may need senior care within the foreseeable future, at least not until they received a phone call that Boyd suffered a stroke.

Though Eleanor Boyd was born well before the age of computers, it was computers that helped her daughters find the information they needed to get the right care for their mother. With both of her daughters working full-time and raising families, the need for finding fast and reliable information was vital.

With many consumers frustrated by Internet searches that result in primarily advertisements, the need for unbiased and reliable information is vital. Resources like Retirement Care Guide have helped many families make some of lifes toughest decisions by providing the information needed in a matter of minutes.

Retirement Care Guide is one of the rare resource sites on the Internet that do not base ratings, rankings or listings on fees paid by the vendors being ranked. Visitors to the site are assured that the information they are receiving is fair, honest and accurate.

Information is the key to success in making the right elder care decisions. The accuracy, reliability and timeliness of the information are all critical factors in determining how much or how little reliance can be placed on the information being provided.

The reality is that many families face elder care decisions each and every day. With most families faced with time constraints sites like Retirement Care Guide help consumers make informed, difficult decisions easier than ever before.

ABOUT RETIREMENT CARE GUIDE

The Retirement Care Guide is designed to be the World Wide Webs most efficient, comprehensive tool for people who are faced with finding the perfect care environment for the elderly. The site allows its users to gather all of the information they need in less than 15 minutes by using a unique, six-step navigation tool. Visitors are able to view and print an e-brochure on every community in its database, create a customized comparison chart, build a home list that can be sent to the email address of their choice, the ability to contact multiple communities with the touch of a button, and print out informative checklists that can be brought along on site visits.

The site warmly greets all visitors with an attractive layout, a pressure-free environment, and the ability to provide important information in an attractive, uniform layout for easy comparison. It is one of those rare sites that do not require daily visitors to register for anything, pay for anything or navigate through excessive advertisements. Its sole purpose is to deliver information to those who need it quickly and efficiently so that elderly can get the care they need when they need it.

Andrew McPhaul

amcphaul@sbcglobal.net

214-304-8737

As the most vital piece of a larger strategic effort to improve their IT infrastructure, the modernization of the Massachusetts State Retirement Boards pension LOB solution is now in the hands of Sagitec Solutions, LLC. Sagitec, a global technology services company, won the multi-year contract to replace MSRBs existing system with a customized version of its industry-leading Neospin framework. The completed solution, to be hosted and managed by Sagitec at their hosting center in Denver, Colorado, will improve MSRBs business processing speed and accuracy, enhance member services by extending self-service capabilities to members and employers, and help MSRB control costs by increasing the efficiency of its staff.

MSRB is delighted to have partnered with Sagitec to replace our 38-year-old legacy system, said Bob Minue, Deputy Director of MSRB and the executive sponsor of the project. We are confident their proven track record and dedication to the Public Pension Sector will result in a successful implementation. The MSRB/Sagitec team looks forward to providing our members with a superior solution.

Sagitecs Neospin framework will replace the multiple applications of MSRBs current system with an integrated, browser-based solution built on a Microsoft .NET platform. The solution, to be called MARIS, will be integrated with MSRBs existing document management solution to extend the investment in that technology. Sagitec will develop the MARIS project in multiple pilot phases, with a scheduled production release in July 2012. Under a multi-year agreement, Sagitec will host the entire solution, providing disaster recovery services, operations support, and application support long after the system goes live.

We are excited to be working with MSRB on this important project, said Rick Deshler, Sagitec Senior Partner. In addition to the improved operating efficiency we will deliver with our Neospin software, our hosting solution provides MSRB with extended IT capacity at a predicable cost over a very long period of time. This new solution will satisfy MSRBs strategic business objectives and meet the unique needs of staff and membership for years to come.

About MSRB
The State Board of Retirement was established in 1911 and administers the Massachusetts State Employees Retirement System (MSRB) for state employees and certain other employees of public entities. It is a contributory, defined-benefit retirement system governed by Massachusetts General Laws, Chapter 32. The system provides retirement, disability, survivor, and death benefits to members and their beneficiaries. The plan provides benefits totaling over $1 billion per year to over 55,000 recipients. In addition, the MSRB maintains and services accounts for over 85,000 active members and more than 15,000 inactive members.

About Sagitec
Sagitec Solutions, LLC is headquartered in the Twin Cities (MN). They have additional domestic offices in Denver (CO) and Topeka (KS), and international offices in Pune and Chennai, India. Sagitec has been implementing IT solutions successfully across the United States since 2004, and this project extends their geographic presence into New England. Other states running Neospin include Kansas, Colorado, North Dakota, Virginia, and Missouri. Further information can be found at http://www.sagitec.com or by contacting Rick Deshler at 651 335-3406.

Retirement apartments can be categorized in two forms, including an independent retirement facility or assisted retirement facility. Independent retirement communities are like independent living centers where people generally take care of themselves without any kind of assistance. Retirees who need help of a medical staff on daily basis can opt for assisted retirement homes. Those living is assisted facilities can still remain active and with the help of dedicated medical staff, they can participate in physical activities like walks, water aerobics, beach volleyball or a musical activity. Life does not stop after retirement and if the person understands this, it becomes a lot easier to enjoy rest of the lives. Since finances are usually limited with senior citizens, it is important to make sure the retirement facility is within your budget.

Choosing the best retirement apartment is different for everyone; however there are certain common points to look for in these retirement homes. With the increasing trend of living the latter half of life in retirement apartments, a number of options are available for the senior citizens which take care of their needs and finances. Most of retirement homes offer enjoyable activities like pinnacle, bingo, cards, bunko, fishing, arts and crafts. With these activities and a peaceful atmosphere, retired life is enjoyable and the longevity of the life can increase. Happiness is the essence of life, which is why it is an important element in choosing the right retirement communities. After retirement, enjoying life is necessary so to help adjust to a new lifestyle. Some of the best retirement communities offer interesting activities like movie nights, dance nights, campfire nights and church activities. Other facilities, which might interest the retirees and help to relax their mind and body include an exercise room, sauna, hot tub and a community swimming pool. When looking for a retirement community it’s best to make a list of the top five retirement homes and then shortlist the choices depending on your requirements, budget and the activities which interest you the most. Choosing the best retirement apartment is different for everyone; however, there are certain common points to look for in these retirement homes.

Building on its existing multicultural sales success, ING announced today that it has added staff to further the companys enterprise-wide multicultural sales efforts, particularly in its retirement services business. This multicultural sales team provides marketing and sales assistance, in-language and in-culture financial education programs, training, and other customized support to distribution partners, plan sponsors and INGs regional sales organizations.

With multicultural populations growing nearly five times faster than the overall U.S. population, we want to accelerate our growth and leverage the opportunity in the market. Our expanded capacity will better equip us to serve our distribution partners, plan sponsors and, ultimately, the multicultural Americans who are trying to save for their future and protect their families, said Rob Leary, incoming CEO of ING Insurance U.S.(1) This effort also underscores our continued commitment to multicultural markets, which are an integral part of the growth in our core businesses of retirement services, life insurance and financial solutions for baby boomers.

For the past several years, INGs multicultural sales have been a driver of growth in its individual life and employee benefits business. The company recently began expanding its existing efforts in its retirement services business, which has been ranked as a top-three provider in the U.S.(2)

These efforts support a need in the market. A number of recent studies have found that African-Americans and Hispanics participate in and contribute to retirement plans at lower rates than whites and Asians. They also point to the improvement of financial literacy and education efforts as a way to better address this disparity.

Similar studies find disparity in Hispanic life insurance ownership when compared with the general population. According to a 2008 ING study, Hispanics are significantly less likely than the general population to have life insurance (39 percent vs. 71 percent) while they are more likely than the general population to say that they would need various protection should something happen to them. In fact, 89 percent of Hispanics said that someone in their situation should have life insurance.

Our approach leverages INGs existing distribution and expertise while providing in-culture support that is critical to success in multicultural communities, said X. Rick Niu, chief marketing officer of ING U.S. Retirement Services, who also directs multicultural sales across the enterprise. At ING, we have a unique opportunity to leverage diverse talents from within our large organization. INGs global presence, well-respected brand, diverse workforce, and our understanding of multicultural audiences position us well to continue to tap this large market opportunity.

The new team members are: Andres Vargas Escobar, vice president of multicultural sales operations, to be based in Windsor, Conn.; Juan Pablo Troncoso Philippi, manager of sales support, to be based in Irvine, Calif.; Nydia Monarrez Lozano, manager of sales support, to be based in Tampa, Fla.; and Erika Contreras Escobar, business coordinator, to be based in Windsor, Conn.

Each hails from a country within INGs Latin American operations, giving them direct and first-generational knowledge of those audiences here in the U.S. Combined with the existing multicultural sales staff, the team now represents many countries of origin, including Argentina, Chile, China, Colombia, Mexico and South Korea.

1 Effective January 1, 2010
2 Based on figures from Pensions and Investments (July 27, 2009), the business holds top rankings in the defined contribution industry with more than 52,000 plan sponsors, approximately 7 million plan participants, and over $235 billion in combined assets under administration and management.

Press inquiries:
Philip Margolis
ING
(860) 580-2676

About ING
ING is a global financial institution of Dutch origin banking, investments, life insurance and retirement services to over 85 million private, corporate and institutional clients in more than 40 countries. With a diverse workforce of about 130,000 people, ING is dedicated to setting the standard in helping our clients manage their financial future.

In the U.S., the ING (NYSE: ING) family of companies offer a comprehensive array of financial services to retail and institutional clients, which includes life insurance, retirement plans, mutual funds, managed accounts, alternative investments, direct banking, institutional investment management, annuities, employee benefits, financial planning, and reinsurance. ING holds top-tier rankings in key U.S. markets and serves over 29 million customers across the nation. For more information, visit http://www.ing.com/us.

INGs diversity management philosophy and commitment to workforce diversity, multicultural marketing, corporate citizenship and supplier diversity fosters an inclusive environment for employees that supports a distinctive product and service experience for the financial services consumer.

Important legal information
Certain of the statements contained herein are statements of future expectations and other forward-looking statements. These expectations are based on management's current views and assumptions and involve known and unknown risks and uncertainties. Actual results, performance or events may differ materially from those in such statements due to, among other things, (i) general economic conditions, in particular economic conditions in ING's core markets, (ii) performance of financial markets, including developing markets, (iii) the implementation of INGs restructuring plan to separate banking and insurance operations, (iv) changes in the availability of, and costs associated with, sources of liquidity, such as interbank funding, as well as conditions in the credit markets generally, including changes in borrower and counterparty creditworthiness, (v) the frequency and severity of insured loss events, (vi) mortality and morbidity levels and trends, (vii) persistency levels, (viii) interest rate levels, (ix) currency exchange rates, (x) general competitive factors, (xi) changes in laws and regulations, (xii) changes in the policies of governments and/or regulatory authorities, (xiii) conclusions with regard to purchase accounting assumptions and methodologies, (xiv) changes in ownership could affect the future availability to us of net operating loss, net capital loss and built-in loss carryforwards, and (xv) ING's ability to achieve projected operational synergies. ING assumes no obligation to update any forward-looking information contained in this document.

A new retirement planning tool, available at http://www.reverse-mortgage-information.org , may help baby boomers and others more realistically plan for their retirement.

Retirement plans and retirement planning models typically assume that households have the same spending needs at age 85 as they do at age 65 only worsened by the eroding effects of inflation. Even with modest inflation assumed, the result can be a retirement savings goal that seems discouragingly unattainable.

Yet government data and research clearly show that spending actually decreases throughout retirement. As people age, there is a pronounced tendency to spend less. For example, U.S. Bureau of Labor Statistics data show that retired households age 75 and over spend less than younger retirees in every category of spending except healthcare (U.S. Bureau of Labor Statistics, Report 986, June 2005).

During the early years of retirement, spending tends to rise as vacations, new cars, and other long-delayed rewards are purchased, says Tim Paul, president of Sagetips, LLC. However, after several years in retirement, spending tapers off particularly for things like entertainment and transportation.

The Reality Retirement Calculator allows retirement planners to take this essential fact into account.

The result is a more realistic retirement plan that, while recognizing the effects of inflation, also takes into consideration the natural tendency for retirees to spend less as they age. Users often find that projected retirement needs using the reality approach are 20% to 30% lower than with traditional retirement planning models.

Clearly, this has important implications for anyone considering a reverse mortgage as part of their retirement planning, Paul notes.

Of course no retirement calculator can substitute for a detailed retirement plan prepared after consultation with a qualified financial planner.

The Reality Retirement Calculator is available at http://www.reverse-mortgage-information.org/retirement-calculator.php. The calculator is also freely available for downloaded.

Corporate information

Sagetips, LLC owns and operates websites providing independent information on specific personal finance issues including reverse mortgages (http://www.reverse-mortgage-information.org) HELOC loans (http://www.sagetips.com ) and colleges savings reward credit cards (http://www.529rewards.com ).

Press Contact: T.J. Paul

Company Name: Sagetips, LLC

Website: http://www.reverse-mortgage-information.org

The most obvious place to look for retirement planning services is to ask your friends and colleagues if they can recommend anyone. If someone is happy with the service they received from their retirement planner, they will be happy to recommend them to you. And, if someone has had a bad experience with a company, you will want to know that as well. You might end up with a collection of horror stories that can save you from making the same mistakes as your friends did.

Many workplaces offer this type of service to their employees, or have a list of recommended retirement planners. Set aside some time to meet with the person at your workplace who is responsible for your benefits. The Human Resources department can explain all the perks, investments and saving plans that your employer has for you to take advantage of. You might find that you have more options available to you than you knew about. This can certainly make planning for your retirement much easier.

Your television is one place you can collect the names of financial planners in your area. Watching their commercials can give you a feel for the type of business they run, and if it is a good fit for you. You can keep a running list of who is advertising, and what they offer. You might also find discounts and introductory special offers advertised on TV.

Online retirement planning services are becoming more popular, with most national banks and financial services offering information and tools online. You can explore their website at your leisure to decide if they offer services that might fit your needs. If you decide that you want to use their full service, they will probably charge you a fee in exchange for added online access to retirement planning services.

After you have done your due diligence, and found a couple of retirement planning services that might fit your needs, it’s time to get on the phone and ask them a few questions. Some things you might ask include:

1. What services do you offer?
2. What service fees do you charge?
3. Do you have a department that specializes in retirement planning?
4. What hours are you open?
5. Do you offer online access?
6. What is the fee for the initial consultation?
7. What bank or financial institution are you affiliated with?

Make sure that your questions are adequately answered before you make an appointment. Reputable businesses will provide this information over the phone.

Finding the right retirement planning service is an important part of making sure you have the retirement you deserve. You want to work with someone who understands your goals, and lifestyle. If you want to maintain your current lifestyle, your retirement planner will need to know your current expenses so they can work out a plan that fits your style. You can never start too soon when it comes to planning your retirement. Try the suggestions above and you might be pleasantly surprised at the amount of help you can find.

Longevity

One of the challenges that women face in terms of retirement planning is our extended lifespan. On average, women outlive men by 7 years (mortality for women is 79 years vs. 72 for men). Many women are faced with caring for their husbands later in life, but after his death they may be left with no one to care for them. Because of this, women’s health care needs will likely be substantially higher than men, making it much more expensive for us to live longer. What does this mean? It means we may not only need to consider products like Long Term Care insurance, but we also need to have much more money in the retirement pot than men in order to not outlive our funds. Unfortunately, the challenges that follow are even greater.

Earnings Disparity

As little as I’d like to admit it, it’s no secret that men out earn women. Of course, this is true in general terms, and may not be true in all cases. But most statistics will tell us that the “gender income gap” is persistent and well-documented. In fact, he Labor Department claims that women earn only 76 cents for every dollar earned by a male counterpart in the same occupation. And although the gap is shrinking, women are forced to play catch up with their retirement nest egg, as compared to men.

So assume that each gender saves the recommended 10%-15% of earnings over their working years. Dollar for dollar the male will accumulate a larger nest egg and at a quicker pace than the female. The differences in earnings rates between men and women are difficult to explain, but I suspect that as long as women are responsible for child birth and primarily responsible child-care, this differential will likely continue.

Women have to make a conscious effort to take charge of their own retirement planning early on in their careers. And while we can’t change the facts (men earn more than women), women can try to (partially) overcome their retirement challenge by saving a higher percentage (aim for 15% to 25%) of their gross income as compared to men. My advice to all women is to max out their contributions to qualified retirement plans and IRA’s in addition to using some portion of disposable income toward after-tax investments.

Maternity and Benefits

Being a woman is a blessing, no doubt. As women, we get to experience biological miracles that men will never be able to imagine. But our biological blessing can be a double edged sword when it comes to money.

Here’s why:

Most women leave paid employment for at least a short time after having children, and many leave for a substantial period of years. Some women may never return to the work force and others that re-enter the workforce may be forced to start their careers all over again. These gaps in a woman’s earnings history may result in lower Social Security and/or pension benefits. Unlike men who receive higher pension benefits because they’ve worked steadily throughout their career.

In fact, the vast majority of men have 35(+) years of substantial earnings by the time they reach 62. Conversely, only a minority of women today has such consistent earnings. Here is how the benefit calculations work. If a worker has fewer than 35 years of cumulated earnings, Social Security requires that zero years be included for those years that the individual did not work. So, let’s say a woman has only 25 years of lifetime earnings, her retirement benefit is computed using those 25 years plus 10 zero years. This number is then divided by 420 to determine the AIME (averaged indexed monthly earnings), which reduces the average benefit. This problem affects very few men.

Here are some frightening statistics to consider:

oFor every year a woman stays home caring for a child, she must work five extra years to replace lost income, pension coverage and career promotion.(The National Center for Women and Retirement Research, 1997)

oA woman who takes seven years off over a 40-year career can expect to receive one-half the pension benefits of someone with 40 years of uninterrupted service.(Money Magazine , July 1997)

Investment Responsibility

Unfortunately, most women still defer the investment responsibilities to their husbands. Dreyfus and the National Center for Women and Retirement Research conducted a study in 1997 which found that 33 percent of female investors avoided making decisions out of “fear of making a mistake’” versus 22 percent of male investors. As a consequence of this fear, women often defer financial decisions and money management to the men in their lives. (Journal for Financial Planning, 2000)

I can attest to that. In our investment practice, I’ve encountered far too many women that have never taken the time to learn about investing because they’ve:

1) been too intimated by the process

2) lacked the interest or

3) suffered from the “Prince Charming” effect-expecting to be “taken care of” by their current (or future)
husband.

Yet, in the face of a crisis (death/incapacitation of a husband or divorce), too many women are forced to abruptly take the financial reins, leaving them ill prepared to handle their own economic affairs.

The National Center for Women and Retirement Research claims that the average age for a woman to be widowed is 56. And the U.S. Census Bureau claims that at some point their lives, 9 out of 10 women will be solely responsible for their financial affairs. With statistics like that, I can’t understand why any woman would relinquish participation in her financial future. There are no excuses, women need to become informed and get involved. I don’t care if you are single, engaged, married, widowed or already working with an advisor-it’s your future-shouldn’t you be an active participant in the financial decisions?

The Good News

Despite all of these negative statistics I’ve just discussed, there is one positive regarding women and finances. Once women begin to invest, they actually tend to fair better than men

A behavioral finance study conducted by Terrance Odean (professor at University of California) concludes that men’s overconfidence and hyper active trading actually results in lower investment returns as compared to women. Women tend to be more conservative (investing for preservation AND growth) while men invest for growth.

As a result, women turn over their portfolios an average of 53% a year; while men’s portfolios turnover at a rate of 77% a year. This excessive trading leads to lower performance. Here’s what Odean found: married women actually get better returns than men — 1.4 percentage points better, and single women did even better — 2.3 percentage points a year over single men.

Conclusion

So, what can we learn from this and how should women plan any differently for retirement? From an investment design perspective, we’ve established that women are no different than men. Every one of us ought to own a globally diversified portfolio designed to capture global market returns and minimize portfolio risk. But when building a nest egg, ladies need to make some slight adjustments.

First, we have to get informed and get involved. It’s nice to believe that our prince charming will forever take care of us, but the fact is, at some point in our lives, we’re on our own. So, it’s better to be actively aware of your finances and investments long before you might be forced into crisis mode. Second, we’re not going to stop having babies–why should we? Yet this means we spend a lot less time in the workforce as a result of our biological gifts and to add insult to injury we’re paid a lot less. How do you counter that? You save more.lots more Finally, believe in yourself. Investing does not have to be a mystery and we’ve already established that women make better investors than men. So, as the Nike ad proclaims.”just do it”. Your future depends on it.