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SpinDistribute.com Article Directory

The following article was published in our article directory on April 2, 2013.
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Planning Senior Finances

Article Category: Aging

Author Name: James Snyder

One of the most vital tasks in life is financial planning. People should know how their funds should be budgeted so that they would attain their goals. Financial planning must start earlier in life and then continue till senior years. When you plan during your golden years instead of earlier in your life, this will pose a big difference. In planning senior finances, you should always consider your needs.

If you have savings aside from your Social Security and pension income, place most of this in safe investments. The investment time horizon of seniors is shorter than that of young people thus giving them a small time to counteract financial losses. If you lose much of your savings, it may be hard for you to meet your basic needs.

Place not less than 80% of your savings in Treasury bills, bonds and other safe investments. Although these pay lower rates with long-term return, you gain safety. Place only 10% to 20% of your investment in overseas currencies or non-blue chip stocks as these are a lot riskier. You may have possible gains with just a few amount of money spent.

Health insurance is important in senior finances thus your medical coverage must be secured. You may have long-tem diseases and illnesses which seniors are usually prone of and they incur plenty of costs. This is why health care is vital. While younger retirees are not eligible for Medicare, seniors are as long as they reach a specific age.

There are jobs that give retirees health care access for a tiny amount of money or as an added element in retirement benefits packages. If you do not have coverage, you can still get one if your husband or wife still works under his or her own health care plan. You should think of buying health care plans with high deductibles for serious illnesses if you and your spouse are both retired. You may still allot money for the deductible at the same time you have coverage in case a medical disaster arrives.

If you have dependents such as your spouse or children, you should also provide for them. Have a will that states what they shall get if you die . It will be the state that shall give 2/3 of your personal assets to your wife or husband and the 1/3 shall be divided equally among the children should you not have a will.

If your spouse did not work at all and depends on you for economic survival, you should check carefully the retirement plan you have. There are such plans that will provide fewer benefits in exchange of survivorship benefits. This is more beneficial as it shall help your wife or husband to financially survive if you pass away. This is however more expensive but if you cannot afford it, get a life insurance plan and then designate your spouse as your beneficiary.

Do not forget the needs of your dependent children in your senior finances. Those with grave disabilities may qualify for aid from the state even if you have a large income. Those who are older and healthier may be qualified to avail of Social Security survival should you pass away.

With these tips, you would be able to properly plan your senior finances.

Keywords: Senior Resources, seniors, audio books, nostalgia, Do You Remember, aging, Retired, wellness, Senior Health, Senior Finances

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