Related Consumer Finance Programs - The following sub-directories of companies offer a wide variety of financial programs to assist you with the management of your finances. Consolidate debt with a consolidation loan or use a debt counseling service or mortgage refinance for help with the consolidation of your charge card debt and other monthly payments.
- Bad Credit Debt consolidation - Learn about the debt consolidation process and review detailed listings for lenders and services offering to help consolidate your debts.
- Consumer Debt Management - Having trouble keeping up with your monthly credit payments? Compare debt management companies in this online list that can try amd help you get a grip on your personal financial situation.
- Personal Loan Companies - Need a smaller loan? Personal loan financing is most often unsecured. Meaning... your home or personal property is not used as collateral and the loan decision will typically be based upon your credit history and your ability to make the necessary payments. Also, this is often referred to as a signature loan.
A Special Guide for Seniors and Families
Retirement Strategies for All Ages: A "To-Do" List
Your Retirement
The rules governing retirement can be complicated. So, about a year before you plan to retire, discuss your situation with a Social Security Administration claims representative. After you decide on a retirement date, apply for your Social Security benefits and other pensions about three months in advance. If you plan to work part-time, find out how this will affect your Social Security income or taxes.
Arrange to have your periodic payments, such as Social Security benefits, directly deposited into your checking account. Ask your personnel department or financial advisor about whether to receive your 401(k) money in a lump sum or periodic payments.
Reduce your debts as much as possible. Be careful before taking on new debt, such as a home-equity loan or a reverse mortgage (see Helping Your Money Last...).
Lean toward conservative, income-producing investments, but don't rule out stocks or stock funds. Possible portfolio: 20 to 40 percent in stock or stock mutual funds and most of the rest in CDs, bonds, bond funds or money market accounts.
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Fall 2005 | Early Career | Mid-Career | Late Career | Retirement |
FDIC Consumer News is published by the Federal Deposit Insurance Corporation
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Last updated on 11/14/2005