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The retired couple's guide to livin' the dream

08.03.10

Question: My husband and I have been happily married for 28 years. Careful spending and sound planning over time has provided us with a very comfortable financial future. Although we're compatible in many ways, our outlook differs when it comes to enjoying our money. I'm more of a saver and I hate to shop. I'm already retired, and when my husband retires in a year we'll begin drawing on our retirement savings. Can you suggest some tips on how we can communicate effectively about spending our money? How do we assure that we'll both have the independence to decide how we want to spend "our share" without judgment? --Margaret M.

So your 401(k) plan is down. A lot. Should you scale back your contributions and put the money elsewhere? Capture holiday memories with these snazzy shooters - and still have money left for the turkey. Question: I'm in my 50s and I got a late start on my 401(k) plan at work. All my contributions go into a balanced fund, but when I get my statement each quarter, it seems that I'm losing as much as I'm contributing. Should I leave my money where it is or should I switch to another fund? --Linda Mandrell, Tampa, Florida



Last autumn I took time off to go back to school. The timing turned out to be just right: My American economic history course at the University of California at Berkeley got to the Great Depression in early October, around the time everyone became convinced we were about to have another one. Happy new year and welcome to your new job. One that pays 30%, 50%, 70% less than your old one. Every time a doctor orders an extra test for you, it pushes up your medical costs and -- some experts say -- contributes to the waste in the nation's $2.2 trillion in health care spending.

Talk about a recession double whammy. It's bad enough that you've been working harder with less prospect of getting a raise. Now it feels as if you can't even afford to get sick.

The economy is in shambles, and the stock market is in the tank. If you're entering the waning years of your career - or if you've already retired - that's more than enough to suck the joy out of retirement. If you let it. President Obama has said he'd like to lower the tax load on families making less than $250,000 and to raise it on people who make more than that.

Gaming companies have taken a huge hit in the current downturn, and their stocks have been crapping out. But with overseas markets booming and a lot of assets hitting the selling block, some industry watchers say it may be time for investors to put their chips back on the table. Health care IT company Emdeon is the latest tech company to have a happy debut in the public markets. Money looked for careers with great pay, superior growth prospects, intellectual challenge, flexibility and more.



After a tough 2009, you may be looking for some help in getting 2010 off to the right start financially. Unfortunately, finding objective, affordable, individualized advice from a live person can be a challenge. Last year it looked as if the era of the celebrity fund manager was finally, definitively over. The best and brightest had not only failed to avoid the financial meltdown but did worse than the market as a whole. Now some are staging a comeback. Students can now pay their college loans and save with Sallie Mae.

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