Retirement - HubPages.com

Estate Planning is all about peace of mind. What estate planning is all about is discovering the rightdevices to execute your standard Estate Planning requirements. We do this utilizing the most up todate devices so that we can prepare a personalized strategy at the most affordable possible expense.

Personal financial planning for retirement includes factoring in pension plans, Social Security,Medicare, investment strategies and estate planning. Major strategies for stretching retirementinclude tax deferred and tax exempt IRA and 401K savings accounts, income protection insurancethrough long-term care insurance and annuities, financial protection against insufficient coveragefrom Medicare with medigap coverage or Medicare supplemental insurance plans. Other majorconcerns leading up to retirement include deciding on the best place to live in retirement, decidingon whether to move to an active retirement community and live in a downsized house, and finallysetting up for the transfer of property and assets to heirs. The golden years of retirement are filledwith difficult decisions, but strategic planning will pay off. Look at the ideas and strategies onmanaging your personal finances in retirement here in this Hub topic.

96 Defined Benefit vs Defined Contribution Pension Plansby Chuck Nugent (4,288followers)

Defined benefit and defined contribution are the 2 main types of employer sponsored pension plans.Risks and advantages differ for each. Learn here how each works and what to expect from your plan.

56 Senior Discounts, Bargains Benefitsby Sharon Smith (791 followers)

Why not save some bucks? There are senior discounts available to people who are as young as 50years old nowadays. The variety of bargains and benefits for seniors is amazing.

3 Retire In Ko Samui, Thailandby Justin Choo (470 followers)

Retire in Ko Samui, Thailand.

Ko Samui, the island resort of Thailand. Sunshine and sandy beaches. Retire like a king in Ko Samui.

1 California Special Needs Trusts: The Good, The Bad The Uglyby Randall F. Kaiden,J.D., LL.M.T. (9 followers)

Presented here are questions and answers about different types of California Special Needs Truststhat preserve government benefits as well as how they are affected by the Affordable Care Act(ACA).

0 Which Fixed Indexed Annuity is Best?by Dan Hopwood

Ok, it's clear that you are interested in purchasing a fixed indexed annuity but not sure whichproduct is the best. In this article we will evaluate three popular annuities. Let's dig in...

0 Reasons for Using Power of Attorneyby trust expert

Most people underestimate the need for using power of attorney. These forms can prevent a lot ofproblems that can occur should you become incapacitated.

96 GSIS Pension and Retirement Benefits and Programsby twentyfive (597 followers)

This page is all about the GSIS retirement and pension and benefits dedicated to all the retirees inthe Philippines specifically the Government Service Insurance System's members, pensioners andtheir...

6 Retirement Planning -Plan Now, Play Later!by Stephanie Henkel (1,277 followers)

You are never too young to plan for retirement. Start saving early, but plan more details as you nearretirement age. Questions to ask yourself about retirement and tips for making a retirement plan.

EDITOR'S CHOICE 79 Retire in Bend, Oregonby Stephanie Hicks (3,682 followers)

Among top retirements cities in the United States is Bend, Oregon. This town is in the high desert ofCentral Oregon and offers many recreational pursuits and tax benefits.

11 Women and Money |Women and Retirement Planningby Mazlan (406 followers)

Women live longer than men, hence they need to save more otherwise they will outlive theirretirement savings. Check out for more reasons why women must plan for financial security

21 The Coming Retirement Crisis in Americaby Chris Mills (399 followers)

According to Forbes, America is on the verge of an enormous retirement crisis. Learn about thisimpending financial meltdown and gain information that will motivate you to action.

4 Top 10 Countries to Retire Toby Geri Mileff (72 followers)

If you are about to retire and want to reap the fruits of your labor from your professional life, readon for the list of countries that are best suited for retirement life.

16 Ways to Save Money in Retirementby Austinstar (1,017 followers)

Saving money for retirement is essential, but did you know that saving money after retirement iseven more essential? You will have to find ways to save money and make money. Retirement is fun,but it's still no daily...

2 Paris, Tennessee - Home of the World's Largest Fish Fry!by Patty Inglish (6,710followers)

Paris, Tennessee has its own Eiffel Tower in a park with walking tracks, two swimming pools, andtennis courts. The cost of living is reasonable, crime is low, and the people are friendly. An excellenthospital,...

66 Pagibig Fund Benefits and Membership Requirementsby twentyfive (597followers)

Being a member of the Pagibig Fund (also known as HDMF or Home Development Mutual Fund) is amandatory requirement for all employees covered by the SSS and GSIS, private employees,household helpers, seafarers, OFW and...

26 10 Retirement Savings Tips for When You Start Your First Job.by bankscottage(214 followers)

When starting your first job, retirement savings are the last thing on your mind. It shouldn't be.Starting to save early for retirement allows for the power of compounding. Here are 10 tips forretirement savings...

0 How to retire without moneyby TessSchlesinger (24 followers)

With the collapse of the financial market, even fewer people have sufficient money to retire on. Howto retire with limited funds, alternative retirement lifestyles, and how to budget are

6 10 Best Retirement Plansby Dr. Penny Pincher (177 followers)

The 10 best retirement plans: living in hotels, full-time RVing, going to college, living abroad, andother top retirement plans are considered. How much do the best retirement plans cost?

17 Wall Street Republicans Want to Do Away with Social Securityby Gary Anderson (698 followers)

Update: The Republicans want cuts in the cost of living for social security. They want these old folksto live on cat food. From now on, just call the Republicans the Cat Food Party because that is whatthey are.

...

12 Retire in Colombia for Less Than $1,000 per Monthby Craig Gibson (14 followers)

There are many places in the world to retire in style, but to retire in style on less than $1,000 amonth, and still live a very comfortable life, there are few places. Colombia is the best place.

59 How to Claim for GSIS Survivorship Pension Benefitsby twentyfive (597 followers)

This is a response for the inquiries about how to file, apply, and claim for GSIS survivorship pensionand benefits. If you are a spouse, son, daughter or dependent of a deceased government employee inthe Philippines,...

24 The History of Retirement in Americaby Chris Mills (399 followers)

Forbes: The Greatest Retirement Crisis In American History. This article summarizes much of thehistory of retirement in America. How did we arrive at this place of crisis? What can we do about it?

3 Worried About Running Out of Money During Retirementby Ease Feeds (9followers)

Recent surveys say that Americans are more worried about running out of money during theirretirement years than they are about dying! What can regular people do to protect themselves?

2 How to replace a lost or stolen Social Security cardby Ken (10 followers)

Replacing a lost or stolen Social Security card is very simple. Follow these directions and you willreceive your card in seven to ten days. This hub will also touch on SSN fraud and ID thef.

28 My Top 20 Reasons Why I Want to Retire Earlyby emievil (1,045 followers)

Early retirement is a dream come true for anybody, especially the writer of this hub. Find out her top20 reasons why she wants to retire at an early age.

24 401K or IRA? Which is Best for You?by Holle Abee (3,412 followers)

401K and IRA

One of the most important things you can do to secure your future is to plan now for yourretirement. The younger you are when you start saving for your retirement years, the better offyou'll be....

3 Baby Boomers - Retirement - Where - On a Tight Budgetby Katheryn (65 followers)

As more and more Baby Boomers reach retirement age, they are finding that they have far less tolive on then they had anticipated. This is also during a very cautious economic period in the UnitedStates. Where can...

5 Best and Cheapest Places Besides Mars To Retireby Patty Inglish (6,710 followers)

Asheville, North Carolina has been listed as the Best Retirement City in the USA. This is importantto Baby Boomers retiring in the 2010s and 2020s, especially if they lost jobs in the recession of the2000s. Asheville...

9 Be a Sharp Saver and Create a Great Retirement Planby Anastasia Kingsley (374followers)

Retirement planning starts with frugal living today and socking away your savings. Here is a fivepoint strategy to preparing for your future retirement needs, with the emphasis on doing what youcan and increasing...

17 How Much Should I Save for Retirement?by Shelley Watson (353 followers)

Here is a guide to what you need to save when you are still in your 20's, 30's, 40's 50's and a speciallook at those in their 60's. The outcomes may surprise you.

0 Retirement Calculators - How to Tell the Good from the Badby Cerebral Aspect (26followers)

There are fundamental flaws in planning advice that many retirement calculators give. They mustaccount for enough variables, and they should not encourage you to plan on using up all yoursavings.

24 Social Security's Achilles Heelby Chuck Nugent (4,288 followers)

People are becoming increasingly aware of the fact that the Social Security System is rapidly goingbroke. It is basically a Ponzi scheme that is rapidly unraveling and its collapse will leave a huge gapin the...

7 Top 10 Reasons Why You Should Retire in the Philippinesby houseofjcjee (30followers)

After many years of working hard, it is time to retire. Where would you like to spend your retirementyears? Here are the top reasons why more and more foreigners choose to retire in the Philippines.

4 Florida's Biggest City - Jacksonville Is Growing!by Patty Inglish (6,710 followers)

Jacksonville's physical land area is Number One in area among all US cities. In addition, the citycontains approximately 1/10 of the total population of the State of Florida. While all this is true,Jacksonville also...

1 Multiple Sources of Income to Retire Earlyby tipstoretireearly (381 followers)

Early retirees should build a 3-legged income stool. This stool should contain at least 3 of these legs:immediate annuities; income replacement funds; deferred compensation; dividend and interestincome; and part-time...

7 The "4% Rule" and Early Retirementby Ari Lamstein (131 followers)

The 4% Rule is a guideline to help retirees determine how much they can safely withdraw from theirnest egg each year. Before examining how the "4% Rule" applies to early retirement, let's look at themore...

4 What you should think about when buying an annuityby Cruncher (23 followers)

A look at the things you should think about when buying an annuity to provide income in yourretirement. A list of questions you ought to consider when thinking about buying an annuity from aninsurance company.

0 IRAs Are For Housewives Tooby Stove And Home (25 followers)

Roth or Traditional IRAs for housewives and stay-at-home moms. Misconceptions about opening aSpousal IRA. Brokerages with low minimum investment IRAs to get you started.

0 What to do When You're Near Retirementby Helen Dellomes (2 followers)

Relatively, retirement is dreadful to some people. Retirement could mean a cut off of your careerand income opportunities. After having used to wake up early every morning and fighting your waythrough a traffic jam...

9 401k Rollover into an IRA or New Employer's 401kby Julie-Ann Amos (1,189followers)

401k's are not as reliable as people think, and knowing what to do with your 401k when you move toanother employer is vital if you are to maximise your investments. Lists the options availableregarding what to do...

11 Are You Ready for Military Retirement?by Susan Holland (702 followers)

Military retirement is a difficult decision. When it comes time for your retirement, you must have aretirement plan. There are many things to consider.

1 4 Necessities To Retiring With Confidenceby BethieAnnie (21 followers)

The sooner the fundamentals of retirement planning are infestation, the sooner a bright, secureretirement can be achived. Begin the journey now, and know you will have golden, golden years.

27 How to Pick the Best Place to Live in Retirementby Cynthia (269 followers)

Looking for a warm, sunny, friendly, pristine, affordable, green, and peace-filled place to live in yourretirement? This article reviews some of the top features of retirement living: attractive countries forretirees...

11 How Long Until You Retireby Sam Deal (98 followers)

How long until you retire? Have you thought about it at all? Given how much time is spent at work,and how much energy is devoted to dreaming of not working, you really should do the math once.

13 How to Keep Busy After Retirementby Shelley Watson (353 followers)

Advice on what can be done to earn extra income when we retire. Retired, but need help to earnextra money or keep occupied - read on for some ideas!

2 Stay Young In Clemson, South Carolinaby Patty Inglish (6,710 followers)

Clemson SC with it's free bus service, major university, and Tigers Athletics is rated one of the Top10 places to retire and stay young. Affordable housing and dozens of interesting attractions providepeople of all...

11 Common Social Security Retirement Questionsby Ebiz Tax Tips (12 followers)

Will Social Security still be there for me? How are Social Security benefits calculated? Can I collectbased on my spouse's earnings? These common Social Security questions and more are answered...

2 Reasons To retire in Kuching, Sarawak, Malaysiaby Robert Theng

Where to retire and the reasons to retire in Kuching. The reasons are kuching has good healthfacilities, people are friendly, there is no problems like food or Language. English is well understand.

9 Financial Perks for the over 60s in the UKby ethel smith (1,064 followers)

At the moment, in the UK, women officially retire at age 60 and men at age 65.Currently, however,both men and women aged 60 and over, are entitled to s few financial perks. With a General Electionlooming...

11 You, Not Your Employer, Must Plan For Retirementby Larry Wall (335 followers)

Planning for retirement can be difficult, because you are not always sure when retirement will come.

A change in your retirement date, can change your available finances and impact future plans.

2 Tips to Retire Earlyby cprice75 (156 followers)

Retirement seems like a pipe dream to many Americans today. A large number of Americans haveseen their level of retirement savings fall. Many are concerned that social security will not be aroundto benefit them, even...

21 Plan for Life at Retirementby Mary Norton (246 followers)

Unless you plan for life, you will live many of your retirement years in regret. With many more yearsin front of you, a greater life awaits.

1 Where to Get Income During Retirementby Anne Morrison (14 followers)

For most of us, our main source of income comes from our jobs. However, once you retire, you canstill get income from different sources. Let's take a look.

64 Five Things I Don't Like about Retirementby Paul Richard Kuehn (624 followers)

Retirement can be a time of bliss. For me, it has been a trying and disappointing time. Read what Idon't like about retired life and why I dislike it.

7 Can Social Security Be Garnished?by scla (134 followers)

If are living on a limited income from social security, then you may need every last penny to cover allyour necessary living expenses. Many times because of the limited income you are living on, you mayhave incurred...

0 Rollover IRA Adviceby Jack Lee (16 followers)

Some sound advice when rolling over 401K / 403b to an IRA account.

18 Essential Retirement Planningby Pamela Oglesby (1,661 followers)

Planning retirement is essential for an adequate financing in your senior years. Several savingsplans are reviewed, which will depend on your age. The benefits of home refinancing is discussed.

14 How to Retire Earlyby Barbara Kay (1,204 followers)

Most people would like to enjoy an early retirement. Here you will find the steps on how to retireearly. It worked for us, so give it a try.

10 How to live like a King in India with $200000by Will not Say (215 followers)

Everybody wants to be a king. But a leading a kingly life is too costly to afford. Here is an articlewhich describes in detail how to lead a royal life in India if anyone has 200,000 usd, that is, 1 croreIndian...

0 Baby Boomers: By The Numbersby Crystal Gordon (2 followers)

Who are they? A statistical profile of the largest generation, "The Baby Boomers".

19 How to Retire on $1500 per Monthby Juancho Forlanda (113 followers)

About to retire but have limited income? This article explains how you can do it on $1500 per monthfixed income.

1 Philippines Best Places To Liveby Christine B B (12 followers)

I am a native and have been to different places around the Country. At one time or another I havelived and worked in one of the featured cities or at least have visited the place.

33 Retirement Benefits on Social Security Systemby Ireno Alcala (768 followers)

This hub features the benefits of being a member of SSS. Here in the Philippines, one must beupdated of the changes this agency is undergoing every year.It's our money, so, we must be veryvigilant about it.

54 SOCIAL SECURITY: ARE YOU SERIOUS?by Tattoo Designs, Dreams, News,Technology, Sports, And More (708 followers)

Know anyone getting social security for nothing? Speak up and share your opinion! It's not fair thatwe have to work to pay their bills!

16 Why You Need a Will or Revocable Trustby MariaMontgomery (60 followers)

Here is my own family's personal experience with the ways in which the lack of a will can havedetrimental effect on many people, even those who are not beneficiaries of the deceased.

9 Retirement - Now What?by Shelley Watson (353 followers)

What to do now that you have retired, to maintain your vitality and ensure that you and your lifestyleare exhilarating.

1 Ground Rules for Estate Planningby Angela Cornette

There is a misconception that estate planning is only for people with millions of dollars in the bank,but if you have dependents, retirement or bank account or own a home or car with equity, you needto have a plan in...

4 Pension Fund Giants - Global Viewpointby American_Choices (123 followers)

Private pension funds have never been considered part of the public realm. The reality of privatepension funds affecting the American taxpayers has been highlighted with the extreme financialswings.The bailouts and...

0 Working In Retirementby Tamara Wilhite (241 followers)

Retirement has traditionally meant an end to paid employment. Why are so many returning to workafter retirement? And how does working in retirement affect your retirement benefits?

0 How Do You Manage Risk?by Eleanore Ferranti Whitaker (19 followers)

Webster defines "risk" as "exposure to the chance of injury or loss; danger. The word "risk" strikes

fear and apprehension in humans for a variety of reasons: loss of life or limb or income.

3 Early Retirement - Some Things To Considerby Paula (893 followers)

There are several things to consider when thinking about early retirement. Here are a few items youwant to think through. While it would be nice to retire early, it may not be for everyone.

0 RDSPby Seraph (31 followers)

RDSP (Registered Disability Savings Plan), learn how to apply for it.

2 How Much Do You Need to Retire?by tipstoretireearly (381 followers)

The commonly accepted rule says a retiree needs to replace a certain percentage of his pre-retirement income to retire comfortably. This rule is likely to lead savers to delay retirement beyondthe point where they...

17 For Retirees: Here Are Some Things To Doby William F. Torpey (707 followers)

While facing retirement is not exactly like awaiting a triple bypass or entering a nursing home, it canbe a source of great stress. Here's some ideas that could help relieve such forebodings.

17 The Realities of Retirementby Jacqueline Williamson BBA, MPA, MS (85 followers)

One day you wake up and realized that its time to retire but the beautiful dream of living happilyever after didn't materialized the way you thought it would.

3 How to Find a Social Security Numberby davemarchy

How to use a social security number to verify someone's identity for payroll reasons, perform acredit check, or do a criminal history search.

2 Should You Buy A Long Term Care Insurance Policy ???by LandmarkWealth (61followers)

Long Term Care insurance is somewhat controversial. More so than most other insurance solutions,the decision as to whether you should own such coverage is somewhat up for debate. Just like mostfinancial decisions,...

4 The impact of social Securityby Sam13207 (5 followers)

Social Security, Public programs designed to provide income and services to individual in event ofretirement, disability, death or unemployment. It was originally designed to provide one leg of a"three-legged...

0 How to retire early and relaxby Future Jokkmokk (9 followers)

Retire early to a haven of peace and quiet. Lapland in northern Sweden offers affordable housing, apeaceful environment and a great way to retire early for UK home owners.

57 Understanding Social Securityby Mike Russo (314 followers)

This is an article about the facts and fiction of Social Security. It dispells the notion that socialsecurity is bankrupt and that it should be privatized. Social Security will be solvent until 2037 at thattime there...

0 Gold Investments For Your Retirementby Jock Brocas (3 followers)

The world economy is in tatters and countries are going bankrupt. Where will you invest your moneyfor the future. Think about things now, is your retirement safe?

8 Why Things Cost So Muchby Jed Fisher (163 followers)

The long and short of it is this: things cost too much because of speculators.

5 Social Security Owes Me Moneyby Anita Sue (15 followers)

Dear IRS Person,

First of all, I hope you are having a good day. Why? Because: #1. I just like hearing that people arehaving a good day, and #2. Because honestly, it gives my letter to you a better chance...

0 An Introduction to Medigap Plan Gby Tamara Wilhite (241 followers)

What coverage does Medigap Plan G offer? What doesn't Medigap G cover? Who is eligible for thisMedigap supplemental plan?

1 How to Calculate Post Retirement Expensesby Concise Solutions (1 follower)

To calculate post retirement expenses, you need to evaluate your lifestyle and the budget whichsustains it. Taxes must not be forgotten when you set out to calculate post retirement expenses.

15 Bucket List 2015 Winnerby Dreamer at heart (241 followers)

Today is the best day of your life to create your own Bucket List. Enjoy reading about my experiencewith a new list of rewoven dreams and unseen treasures yet to be discovered.

4 Can I Take a Loan From My IRA Account?by the girls (86 followers)

Can you take a loan from your IRA without paying a penalty? The answer is yes. You can also borrowmoney from your employer sponsored retirement funds such as 401 (k).

15 Prepare for Retirementby Elayne (1,419 followers)

How to prepare for your golden years. Retirement advise and options.

0 Retirement Plan Options for Employersby Business and Finance Information

Addressing the many concerns, considerations, and benefits associated with implementing anemployer-sponsored retirement plan.

5 Social Security System Survival by Laurens Wrightby LAURENS WRIGHT (159followers)

Finally the day has come, where the government has announced that the Social Security fund is justabout BROKE! What, when, where and how to retirement are the questions that are hard to answer.

0 Don't Outlive Your Financesby Business and Finance Information

How an annuity can give you lifetime income throughout your retirement.

1 Planning to retire in Switzerlandby bodybalance101 (23 followers)

Have you played with the thought of retiring in Switzerland? Is it manageable? Can you afford it?Learn more about this beautifully and organized country in Central Europe.

1 retirement home activitiesby Activity Director (2 followers)

Activity Ideas for Nursing Homes and Activity Ideas for Retirement Homes

1) Retirement Home Activity Idea: Word Scramble

Goal of Retirement Home Activity Idea: To stimulate cognitive function and provide forum...

0 Should You Take Your Employer's 401K Match?by StephenSoprano (13 followers)

While retirement may still be in the distant future, you can start taking steps now to save the moneyneeded to retire sooner and with more money.

2 Retirement Age - How has Retiring Changed Over the Years?by Paula (893followers)

Over the last few decades, the face of retirement has changed somewhat. Looking into the future,we all are anticipating all kinds of changes. I think it is good to consider what we can do to make itthe best for all...

0 Best Place To Live In Floridaby floridamoveguide (1 follower)

I have lived in, sold real estate and traveled Florida for 14 years and Sarasota is truly one of the bestplaces to live or retire in Florida.

2 DFAS/VA Pension Cash Advanceby PensionCash

Emergency cash for many can come from a variety of places. Ideally, if you own a DFAS or VApension plan you've got an emergency fund perhaps where you never thought to look. Those in needof financing after...

6 Common Misconceptions of Your 401k Trusteeby Peter Owen (239 followers)

If you work for a Company or Corporation that has more than a few employees, chances are that youare covered, or have the option to be covered, under a 401K plan. This may be in addition or in placeof a Pension plan....

70 Hedge Funds, No Thanks!--The hedge fund apocalypse is here!by Ralph Deeds(1,050 followers)

There is no accurate measure of hedge fund performance because of the absence of reportingrequirements and because the performance of the unsuccessful ones that are dissolved anddisappear are not included in the...

0 Ensure Your Retirement With Savingsby steven fry (12 followers)

Why Retire with little or no backup to your pension, when you can follow these simple guidelines,have over 50k in interest alone? Savings and High yield savings accounts. most out of your Savings

1 401k Loan Rules Steps To Getting 401(k) Loansby Hub Llama (584 followers)

When it comes to investing for retirement, few strategies are more commonly used than investingpart of your paycheck into a 401(k) plan. 401k plans provide a way to lower taxes becausecontributions are made using...

5 Cashing Out Roth IRA?by kea (293 followers)

Cashing out a Roth IRA is a much better alternative than cashing out a 401k or Traditional IRA. Witha Roth IRA, you can cash our your contributions without paying taxes or any penalties...

0 Dr Antonio Serrano, Cabo San Lucas, Mexico Opthamologistby MexicoDavid (2followers)

Discover Los Cabos News 2007

By David Mandich -

"Normal" sight for this 50-something year-old young man had become

over the years - sight polluted by tiny black spots, amoeba-like

'floaters,' and...

0 The General Motors 401K reviewby Daddy Paul (117 followers)

A lot of people ask me for advice on investing in their 401K. I am not a professional so be advised myopinion is just that some guy's opinion.

I want to review the funds available in the General Motors 401K...

11 Does Being Rich Make You A Happier Personby Mark Bruno (701 followers)

First, I must tell you I am not rich by any means, but does being rich make you a happier person?There are so many people in our world that are rich, but do you think they are truly happy with therelives?

0 How to Liquidate an Estate Simplifiedby Tillie.com(2 followers)

Deciding how to liquidate your personal or familyhttp://ohioline.osu.edu/estate/index.html member'sestate can quickly become an overwhelmingexperience. With so many decisions to make and somany people often advising you, the choices canbecome limitless and...

0 Boss Retirement Gifts: Ideas for Your Retiring Supervisorby danieltetreault (46followers)

Finding the right retirement gift for that special manager, supervisor or boss can be very difficult;there are many reasons as to why we find it so difficult to find that perfect gift idea for your retiring

boss. Boss...

0 Tips for Managing Your Money in Retirementby Lita Epstein

You've finally taken the plunge and need to figure out the best way to manage your retirementportfolio. You will find info regarding Social Security, retirement annuities, and minimizing yourtaxes.

0 AARP Reverse Mortgage Guidesby ReverseMtgGuide

A Reverse Mortgage is a complex product. It requires investigation and unbiased information beforemaking a decision about whether to apply. AARP reverse mortgage guides can help with yourresearch.

http://hubpages.com/topics/personal-finance/retirement/4010

Ultimately, estate preparing has to dowith assurance. The process itself isvital and also could assist you produce agood, strong working plan that willcertainly deal with you, your kids, andalso your possessions in case of yourdeath or special needs.