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But politicians are usually reactive as opposed to proactive, so dont count on it. Thats too bad, because people are more dependent on Social Security than ever. 70% of all eligible folks cant even wait until 65 to start taking benefits, many as early as 62, even though that means lower payments and likely a lower total benefit. This is why in general financial experts say you should wait as late as possible to free online credit check Chicago get a higher payment for the rest of your life.

Take this analysis via this WaPo article: Consider an average-wage two-earner couple together earning $89,000 a year. Upon retiring in 2011, they would have paid $114,000 in Medicare payroll taxes during their careers. But they can expect to receive medical services including prescriptions and hospital care worth $355,000, or about three times what they put in. [...] The same hypothetical couple retiring in 2011 will have paid $614,000 in Social Security taxes, and can expect to collect $555,000 in free online credit check Chicago benefits. identity credit report Find more in Insurance, Retirement | 9/16 | 53 Comments I dont usually post market forecasts, but I just wanted to jot this one down for posterity. Jack Bogle, founder of Vanguard, is interviewed in a WSJ article Why a Legendary Market Skeptic Is Upbeat About Stocks where he makes a prediction of 7% annual returns for stocks for the upcoming decade. He correctly predicted 10%+ gains for the 1990s, and also low single-digit returns for the 2000s. Bogle said stocks are likely to generate an average annual return, including dividends, of around 7%. People ought to get over the illusion [of higher expectations] and realize that they may have to invest free online credit check Chicago for longer time periods, start earlier and save more. credit report now

There other good observations in the article, although they wont surprise any Bogle followers. I free online credit check Chicago previously wrote about Bogles future return prediction methodology where total stock returns are the sum of earnings growth (aligns with GDP growth), dividend yield, and P/E ratio changes. The diagram below is reproduced from his 2007 book Little Book of Common Sense Investing, which also shows us a 7% forward prediction at the time. Well, weve got some catching up to do Find more in Investing | 9/15 | 12 Comments Theres a ways to go, but were still aiming to retire within the next 10 years. As such, Ive been thinking about what happens free online credit check Chicago when we want to live off of withdrawals from our retirement portfolio. According to the passively-managed Target Date funds by Vanguard, if you free online credit check Chicago reach retirement youre directed to free online credit check Chicago the Vanguard Target Retirement Income fund. www.annualcreditreport.com Another popular option free online credit check Chicago for retirees is the Vanguard Wellesley Income Fund, which has been around for over 40 years, and is actively-managed by Wellington Management Company, an advisory company that has been around since the Great Depression.