no retirement

Who Says You Deserve to Retire?

Thoughtless Thinking About Retirement Without thinking, we act as though retirement were some inalienable right, provided by the declaration of independence or maybe even the bible.  But I cannot find anything anywhere about any right to retire.  So maybe we should rethink the idea. In my research of the history of retirement, I could not find much.  Why?  Because the […]


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Posted by bobrichards - September 12, 2013 at 12:56 am

Categories: retirement financial options   Tags:

older worker

Older workers suffer from long-term unemployment more than any age group

George Newton of Cleveland, 60, has years of experience as an administrative assistant, but has been unemployed for more than two years. He said being an older worker has hampered his job search. Data show that workers 55 and older have? For the reasons above, the publisher of this blog encourages you not to look for a job and creatively […]


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Posted by bobrichards - September 5, 2013 at 7:50 pm

Categories: retirement jobs   Tags:


Why a Financial Advisor Won’t Advise You

As an investor, it is unlikely that you understand how the investment profession operates and why your financial adviser really cannot advise you. This lack of understanding stems from the fact that it is in the interest of the people with power to keep you somewhat in the dark because then they can extract higher fees from you.  Your government […]


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Posted by bobrichards - September 4, 2013 at 3:27 pm

Categories: investment advice   Tags:


Invest in Private Mortgages to Increase Retirement Income and Reduce Risk

Retirees are often not exposed to private mortgage investments because your stockbroker won’t tell you about them, your insurance agent won’t tell you about them and your investment adviser won’t tell you about them.  Since none of these professionals earn money (and in fact lose money) when you divert money from their offerings into private mortgages, they never mention the […]


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Posted by bobrichards - August 25, 2013 at 4:26 pm

Categories: retirement investments   Tags: , ,

age 70

Why My Nest Egg Only Need Last to Age 70

No, I am not going to kill myself.  But this post presents an option for people with no children or heirs or people not worried about leaving money to their heirs.  The idea is total annuitization at age 70 (or there about, as I will explain). If you are not yet familiar with immediate annuities, then please read about the […]


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Posted by bobrichards - August 20, 2013 at 8:05 pm

Categories: retirement income   Tags:

supporting adult children

Retirees Need to Stop Supporting Adult Children

Do you subsidize your adult children?  You need to stop doing that right now.  In my 20 years as a financial advisor, I saw too many retirees financially supporting their adult children and reducing their own standard of living.  This makes no sense.  Retirees generally are on a fixed income while their younger adult children have opportunities to generate income […]


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Posted by bobrichards - August 18, 2013 at 7:05 pm

Categories: retirement expenses   Tags: , ,

rising dividends

Dividends Provide Several Answers To Low Interest Rates

Guest Post by David Bressler.David Bressler is author of the forthcoming book “The Elephant in the Room has a Paycheck”, a fun & socially conscious blueprint for successful long-term investing. Everyone is always so concerned with being careful to avoid absolutes when it comes to future expectations, that when discussing the value of dividends and their potential for retirement income […]


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Posted by bobrichards - August 2, 2013 at 11:26 pm

Categories: retirement income   Tags:

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Bob Richards