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Retirees

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Fortress Monthly Dividends: 5 Safe Picks for Retirees This August
business22 days ago

Fortress Monthly Dividends: 5 Safe Picks for Retirees This August

August’s five safest monthly-dividend plays for retirees are Realty Income (O), Main Street Capital (MAIN), Agree Realty (ADC), EPR Properties (EPR), and LTC Properties (LTC). With fortress balance sheets and near‑full occupancy, these names deliver steady monthly checks and multi‑year dividend growth, even in a higher-rate environment. Realty Income offers a long track record and ~5% yield; MAIN provides credit-focused stability; ADC complements with strong occupancy; EPR shows solid AFFO growth; and LTC benefits from aging demographics. While risks exist (impairments, debt, rate sensitivity), the article emphasizes safety and predictable income over headline yields for retirees seeking reliable monthly income.

via 24/7 Wall St.|
#business#dividend-stocks#monthly-dividends
Record NILF: 105.8 Million Americans Out of the Labor Force Sets New Peak
business1 month ago

Record NILF: 105.8 Million Americans Out of the Labor Force Sets New Peak

U.S. adults not in the labor force topped 105.8 million in June, a new record that exceeds peaks from the Great Recession and the COVID era. The labor-force participation rate slipped to 59%, with retirees comprising about half of NILF and roughly 23 million on long-term disability or illness. Analysts flag rising dropout rates among prime‑age men and a growing subset of women, noting the era’s aging population and sprawling disability programs as key factors. Some fear AI disruption and calls for universal basic income could worsen the trend, while others urge policy changes to better track and support those outside the workforce.

via New York Post|
#aging-population#business#labor-market
2027 Social Security COLA Expected Around 2.8% Amid Inflation Spike
finance4 months ago

2027 Social Security COLA Expected Around 2.8% Amid Inflation Spike

Predictions from the Senior Citizens League place the 2027 Social Security COLA at about 2.8%, with the official figure due in October after Q3 data. While the bump could equal or exceed 2026, inflation is rising (CPI around 3.3%, driven by higher oil prices), which may erode the real gain for retirees. Historically, COLAs have often lagged inflation, and many beneficiaries say the current lift won’t fully cover rising costs, so retirees should plan with cautious expectations.

via USA Today|
#cola#finance#inflation
Backlog Leaves Postal Retirees Waiting Months for Federal Benefits
local4 months ago

Backlog Leaves Postal Retirees Waiting Months for Federal Benefits

CBS Texas reports that thousands of federal retirees, including postal workers, are facing months-long delays in receiving retirement benefits as the USPS and the Office of Personnel Management cope with a shift from paper to electronic processing and a surge in new retirements. Some retirees have only partial interim pay while awaiting full benefits, and officials say paper filings take 90–100 days, with electronic filings processing faster as they work to speed up processing.

via CBS News|
#benefits-delays#federal-retirement-benefits#local
Avoid Costly Mistakes: Essential RMD Tips for Retirees
finance1 year ago

Avoid Costly Mistakes: Essential RMD Tips for Retirees

Many retirees are only taking their required minimum distributions (RMDs) from retirement accounts out of fear of outliving their assets, which can lead to significant lost income. This cautious approach, part of the 'retirement consumption paradox,' often results in large account balances and unnecessary withdrawals later in life. Retirees are encouraged to explore alternative strategies like qualified charitable distributions or rolling funds into a Roth account to optimize their income.

via Yahoo Finance|
#finance#financial-planning#income-strategy
Social Security 2025: Historic Milestones and Significant COLA Changes Ahead
economy1 year ago

Social Security 2025: Historic Milestones and Significant COLA Changes Ahead

Social Security beneficiaries are set to receive a 2.5% cost-of-living adjustment (COLA) in 2025, the smallest increase since 2021 and below the 10-year average. This adjustment may not fully compensate for inflation, as recent data shows inflation reaccelerating, potentially reducing retirees' purchasing power. Retirees are advised to explore options like high-yield savings accounts or stock market investments to supplement their income.

via The Motley Fool|
#cola#cpi-w#economy
2025 Brings Mixed Changes to Social Security and Medicare for Retirees
finance1 year ago

2025 Brings Mixed Changes to Social Security and Medicare for Retirees

Medicare Part B premiums will increase to $185 in 2025, up from $174.70 in 2024, alongside a rise in the annual deductible to $257. This increase will offset the 2.5% cost-of-living adjustment (COLA) in Social Security benefits, reducing the net benefit for many retirees. The impact will vary based on individual benefit amounts, with lower-income beneficiaries feeling the squeeze more acutely. However, 'hold harmless' rules will protect those with very low benefits from the full premium increase.

via Yahoo Finance|
#cola#finance#healthcare-costs
Key 2025 Social Security Updates: What Retirees Need to Know Before Claiming Benefits
personal-finance1 year ago

Key 2025 Social Security Updates: What Retirees Need to Know Before Claiming Benefits

Retirees considering claiming Social Security benefits in 2025 should carefully evaluate the financial implications of claiming early versus waiting. Claiming benefits as early as age 62 can reduce monthly payments by 25-30%, while delaying until age 70 can increase them by 15-25%. It's crucial to assess benefit options based on factors like income history and retirement plans, as there's no advantage to delaying claims past age 70. Consulting with the Social Security Administration can help retirees make informed decisions about when to start receiving benefits.

via Yahoo! Voices|
#benefits#financial-advice#personal-finance
Major Social Security Updates for 2025: What Beneficiaries Need to Know
economy1 year ago

Major Social Security Updates for 2025: What Beneficiaries Need to Know

The Social Security Administration announced a 2.5% cost-of-living adjustment (COLA) for 2025, which is smaller than recent years' increases. While this modest raise may seem disappointing, it reflects cooling inflation, meaning retirees' buying power may remain stable. However, rising Medicare Part B premiums will offset some of the COLA benefits, reducing the net increase for many seniors.

via Yahoo Finance|
#cola#economy#inflation
Upcoming Changes to Social Security: What Beneficiaries Need to Know for 2025
economy1 year ago

Upcoming Changes to Social Security: What Beneficiaries Need to Know for 2025

Social Security beneficiaries are set to receive a 2.5% cost-of-living adjustment (COLA) in 2025, translating to an average $49 monthly increase for retired workers. However, this increase may lead to more retirees facing federal taxation on their benefits, as the income thresholds for taxation have not been adjusted for inflation since their introduction in the 1980s. This situation highlights the double-edged nature of COLA increases, as they can inadvertently expose more retirees to taxes.

via The Motley Fool|
#cola#economy#inflation