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• What They Didn't Tell Ya About Money In High School Part 1
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• What They Didn't Tell Ya About Money In High School Part 4
• What They Didn't Tell Ya About Money In High School Part 5
• How to Stop The "N.F.L. Syndrome" From Stealing Your Retirement
• To those who want to save more money in 2009 and beyond...
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About Retirement Calculator, Inc.

CBS The Early Show

Watch the video clip

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• To 30 Something Married Couples...
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• To single mothers who need to salvage their 401K's...
• The Nervous Retiree
• 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
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• FREE Consultation with a certified financial advisor in your area

Social Network for Adults

Three Things to Look for in a Social Network for Adults

When you are looking at social networks for adults, there are a number of things that are going to be important for you to consider. Many of these elements are going to be a bit predictable, others you may not have already taken into consideration.

First, when you're looking at a social network for adults, you are going to want to ensure that you are choosing a social network filled with others who share your interests. If you have little or nothing in common with the other members of a social network for adults, chances are good that you will not be getting as much out of your membership as you otherwise could.

After you've found a social network for adults who share your interests, you are going to want to focus on the location of the group: how far will you need to travel in order to attend meetings? A similar question is whether or not the weather conditions may play a role in whether or not you will be able to attend functions.

Finally, you will want to make an effort to understand that many of the activities sponsored by a social network for adults are going to have a cost associated with them. In some cases, say, for meals or lectures or film events, the costs may be relatively low. In other cases, when you are a member of a social network for adults that focuses on travel, you will need to be sure that your savings will allow you to take advantage of all that the group offers.

One way in which you are able to ensure that you have the savings that you need - particularly so that you can ensure that once you retire you will still be able to remain active in a social network for adults - is the retirement calculator that you can download from the bottom of this page.

With it, you will be able to enter simple information about the savings accounts that you have and about the investments that you have made. You will be able to see whether or not you have been saving and investing in a way that will be extremely beneficial to you, or whether there are some changes that you are going to need to make.

Once you have a stronger sense of your current situation, you will be able to know whether or not you'll be able to join a social network for adults and to take advantage of all of the benefits even after you have retired. More importantly, because when you download the free retirement calculator your contact information will be forwarded to a financial advisor in your area, you can be sure that even if you're not on track now, you'll be able to get there.

A social network for adults is great for those who want to stay active once they've retired - even if they are still far from retirement. Why risk losing your ability to take advantage of a network that would be great for you when you can use this free retirement calculator to make sure that everything is in place?

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?

Would you like to retire, but aren't sure you can?

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For a limited time, purchase Retire In a Weekend for $29.95 and receive a free download of Retirement Calculator Premium.

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:

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.