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About Retirement Calculator, Inc.

Retirement Calculator, Inc. provides the tools and resources necessary to assist you in making critical economic decisions regarding your retirement future.

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• Why You Need Retirement Calculator Software
• Analysis of the Economics of Early Social Security Withdrawal

• FREE Retirement Calculator recommended by Ray Martin on the CBS Early Show - Watch the video clip
• FREE Retirement EBook written by Bill Losey, America’s Retirement Strategist
• FREE Retirement Intelligence Information Services Newsletter
• FREE New Social Security Calculator
• FREE Consultation with a certified financial advisor in your area

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* What do you need help with? Debt relief & debt consolidation Financial planning & investments   * What advisory services are you looking for? Portfolio Management Retirement Planning Estate Planning Education Planning 401K Rollover   * What is the size of your current portfolio? Less than $50,000 $50,000 - $100,000 $100,000 - $250,000 $250,000 - $500,000 $500,000 - $1 million $1 million - $3 million More Than $3 million	Contact Information * First Name: * Last Name: * Email: * Zip Code: * Day Time Phone: () - * Best time to contact: -- Select One -- Morning Afternoon Evening Weekend No Preference Additional information
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Debt and Credit Card Relief

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debtandcreditcardrelief.com

Finding Debt and Credit Card Relief

The more that we all hear about the dire credit and financial situation within the national and global economy, the more that we are all looking at our own stacks of bills that pile up. Those who have credit cards with high balances that carry over from one month to the next, those with medical bills, student loans and other personal loans are finding themselves looking for debt and credit card relief.

Of course, what many find is that debt and credit card relief often seems to come in the form of exchanging one bad debt for another - taking out another unsecured loan or opening a new credit card account to take advantage of a lower interest charge. Real debt and credit card relief on the other hand, comes in the form of debt and credit counseling and services that focus on negotiations with creditors.

In other words, if you are looking for relief from the debt that you have, you need to be sure of two things:

1. You need to know that you are able to learn more about using credit wisely so that once you are able to take control of your finances, you'll be able to stay in control.
2. You need to know that you are working with someone who can negotiate with your creditors to reduce the amount that you owe overall.

In order to take advantage of this type of debt and credit card relief, you'll want to:

• Find a not for profit debt management company that will be able to work with you and your creditors rather than looking for a company that's focused on its own bottom line.
• Ensure that the company that you choose to work with is bonded and insured and that it has a solid reputation.
• Take the time to understand credit and to recognize the debt that you have.
• Know that the financial counselor who you are working with will talk with your creditors about lowering the amount that you owe, bringing your accounts current and reducing the amount of interest that you must pay on your balances.

This combination of elements will help you to know that you are getting the support that you need to get ahead rather than just creating the illusion that you're making your situation better. After all, what good is thinking that you are reducing your unsecured debt only to find that you are just shifting it from one spot to another?

The more that you look into debt and credit card relief, the more that you will find yourself seeing solutions to your own financial issues; it's essential to remember that there are ways of coming out ahead of your financial situation. By making sure that you have the right support, by focusing on understanding your spending habits and what you can do to take control of them, you won't just find the immediate relief that you're looking for; you'll also find the long term financial security that you've always wanted to have.

Find a Qualified Financial Planner in Your Area

Do You Know the Answers to These Important Retirement Questions?

• Are you retired or thinking about retiring?
• Do you have enough money to comfortably live throughout your retirement years?
• Would you like FREE face to face advice or retirement consulting from a trusted local financial advisor?
• Are you looking for help to achieve your long-term financial goals?
• Would you like to learn more about Annuities, 401's, Life Insurance and Long Term Care?

Retirement Homes & Retirement Communities Retirement Homes is a comprehensive directory of retirement homes, retirement communities, senior housing, long term care and elder care facilities. Retirement Homes will help you learn about all your retirement living, senior housing, and long term care options in the USA and Canada. Search Zip Code Facility Select type of senior housing and preferred location to begin. Active Lifestyle Independent Living Congregate Living Assisted Living Continuing Care Nursing Care Alzheimer's Care Rehabilitation Care City: State: - State/Province - ---USA--- Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New England New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming ---Canada--- Alberta British Columbia Manitoba New Brunswick Newfoundland Northwest Territories Nova Scotia Nunavut Ontario Prince Edward Island Quebec Saskatchewan Yukon Outside USA/Canada   Learn more about senior housing options. Advanced Search Select type of senior housing & zip/postal code to begin. (*Required Field) Active Lifestyle Independent Living Congregate Living Assisted Living Continuing Care Nursing Care Alzheimer's Care Rehabilitation Care Zip/Postal Code:* (eg. 90210 or M6A 1J2) Distance:* 5 10 25 50 100 Units: Miles Kilometers Learn more about senior housing options. Advanced Search Enter the name of the senior housing community to begin. Facility Name: Learn more about senior housing options. Advanced Search

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Analysis of the Economics of Early Social Security Withdrawal

Robert J. Phillips
Chief Retirement Consultant

Deciding whether or not to take the early withdrawal of social security at age 62 can be difficult. If you need this income at 62 to fund your retirement the decision is fairly straightforward. Take it early! On the other hand, if you have another source of revenue to fund your retirement your decision will be primarily based on lifestyle, health and investment preferences.

Several factors can affect your decision. First is your life expectancy. If you are in good health and have a family history of living beyond 90 then waiting for full benefits may be best. Two other factors impact this decision. First and most important is the value of money or your expected return from your investments. If you are using other investments instead of social security to fund your retirement you should use the rate of return of these investments as your value of money. There is another way to look at the value of money. If you do not require the social security money to live, you can invest the distributions for the future. The rate of return of this investment is your value of money. If your investments will make larger returns such as stocks this would favor taking the early withdrawal.

The last factor impacting your decision is inflation. Social security includes an annual adjustment based on inflation. You cannot control this variable but you should be aware of its impact. If future inflation is significant it will favor a later full distribution

FREE Social Security Calculator:

Find Out Your Breakeven Age

We developed a calculator to assist in analyzing the impact of taking early benefits at age 62 or waiting for full benefits at age 66 to 67 depending on the year you were born...If you were born in 1960 or later your full benefits will begin at age 67 and your reduction for early benefits at age 62 will be 30%. If you were born between 1946 and 1960 your full benefits begin as early as age 66. We have included a chart that summarizes information.

To use the calculator you need to input your year of birth. You also need to input a value of money up to 10% and a projected inflation adjustment. The calculator analyzes income generated over time from both the early and full benefit investments. It calculates the age at which full social security will catch up and breakeven with the early withdrawal. If you were born before 1960 your breakeven age will be impacted by the year you were born. An early breakeven age favors waiting for full benefits.

The social security calculator is not the final answer whether to take an early withdrawal but it does give you additional economic data to assist in that decision. Ultimately you must balance income, investments and lifestyle to optimize your enjoyment during your retirement years.