| Nearing or in retirement? These part-time jobs can keep your wallet flush with cash. Enhance your retirement lifestyle by claiming benefits based on your ex's earnings record. The rules are complicated, but it's worth investigating to see if you can get a higher benefit. The benefits of working can outweigh the benefits of retirement in countless ways. We offer six. Don't rush to collect Social Security, especially when your benefits are getting a shave. Low interest rates make investment income hard to come by, but these stocks could pay off. Choose between saving for retirement and paying for your kids' college? Maybe you won't have to. Getting nowhere with your disability claim? Try these tips to increase your odds of getting benefits. Medical maladies can create a financial crisis if they cut your career short. Before you invest, get to know annuity terminology and the different types of annuities. Social Security survivors benefits work differently than regular benefits. Here's what to expect. There are benefits to buying a home five to 10 years before retiring. There are risks, too. Should you "file and suspend" your benefits so your spouse can receive hers ahead of you? Most creditors don't have free rein to garnish your monthly check, but a few do, including the IRS. Prior to cashing out a retirement account to pay down your mortgage, think about the implications. It's not too late to undo your Roth conversion, but the deadline is looming. An older, nonworking wife's benefits are on hold until her husband applies for Social Security. Many bury their heads in the sand when it comes to retirement savings. How about you? Retirement planning with a goal of $2.5 million? Learn how you can do it. Use every tool at your disposal, including a Roth IRA, so you can retire in style. Learn about investing for retirement while you are in your 20s. Three advisers offer different opinions to help a typical couple maximize their resources. Bankrate helps you figure out how to manage your income in retirement. If you worked in the U.S. but live in Canada, you and your spouse can draw Social Security. Even a nonagenarian can get a mortgage. Whether it's wise is another story. Many Americans now save less for retirement, according to Bankrate's monthly Financial Security Index. At retirement age, a spouse must choose between spousal benefits or his or her own benefit. Avoiding these common investing missteps will improve your chances of retiring in the money. There's no increase in Social Security survivors benefits based on a deferral of earnings. You are entitled to a share of your spouse's benefits, but the amount depends on your age. Cash-strapped retirees can add separate living quarters to their homes to generate rental income. Depending on the situation, a spouse can get up to 50 percent of a partner's benefit amount. Will inflation threaten your retirement? One remedy is to shift more funds from bonds into stocks. These indexed funds get you a mix of small to large company stocks at lower annual fees. There's another strategy to maximize Social Security if you don't need the income. Husband wants to pay down principal to make life easier on his wife after his death. A worker should consider overall retirement-income projections, not just Social Security. Is taking retirement benefits early a no-brainer? Know the ins and outs before deciding. A nonworking wife can draw larger spousal benefits if she waits for full retirement age. Mutual fund firms have designed target-date funds that pay out regular income for retirees. If you think you may run out of money during retirement, consider this type of deferred annuity. The financial industry has solutions to help retirees grapple with the income challenge. Financial firms have introduced several types of products to help retirees manage their income. These funds have different payout schedules. Check out their composition, costs and performance. Thirsty for higher investing returns, seniors are losing their shirts to fast-talking fellow seniors. These funds have different payout schedules. Check out their composition, costs, and performance. | |