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• What They Didn't Tell Ya About Money In High School Part 5
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About Retirement Calculator, Inc.

CBS The Early Show

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• 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

Debt Bill Consolidation

Looking for Debt and Bill Consolidation?

When you start to look into managing your debt ? whether you are tired of looking at a pile of bills or you're concerned about the economic climate - you may want to work with an agency that offers debt and bill consolidation along with credit counseling and will advocate for you with your creditors. there are a few things that you are going to want to be sure that you can take advantage of:

1. You're going to want to know that the company is legitimate and that your bills are going to be paid.
2. You're going to want to know that you are able to save money while eliminating your debt through negotiated lower interest rates.
3. You're going to want to make sure that the counselors are certified by the National Institute for Financial Counseling Education so that not only will they help you to reduce the debt that you have now, but also that they will help you to manage your money so that you don't end up in the same situation again.

Established debt and bill consolidation companies are going to give you all of those assurances ? often because they will be reviewed by an independent organization that has established standards and management practices that will ensure that consumers who take advantage of a given service are getting everything that has been promised to them.

In other words, when you are looking for organizations that offer debt and bill consolidation that are out there in order to help you to get out from under your debt, you need to know that you can trust that organization. You should be confident that not only does the agency focus on being there for you and the other clients that they are working with, but also that they have a solid reputation within the business community.

Not only is that certification something that can give you peace of mind and the sense that you will be able to focus on eliminating your debt, but it also indicates that the company will have some respect and recognition from the creditors that they are negotiating with on your behalf ? something that will make your creditors more likely to work with them.

Established and reputable debt and bill consolidation companies, on a basic level, are those agencies that display a commitment to helping those who look for their services. Registration with an independent quality assurance program such as BSI indicates a high standard for quality, and a dedication to not only meeting the customers' needs but also to providing the highest quality services possible. More importantly, for an organization that offers credit counseling and debt consolidation services to be registered with and recognized by BSI, it must go through an annual assessment. As a result, you will be able to feel confident that those standards are not going to slip at any point in time.

If you want to be certain that you are able to get out from under your unsecured debt ? whether it has come from major credit cards, store credit cards, tuition expenses or medical bills ? you need to be sure that you are working with a debt and bill consolidation agency that takes their reputation seriously. That way, you will be able to focus on eliminating your debt, creating a manageable budget and reaching the long term financial goals that you have set for yourself.

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?

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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:

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.