A good balance between work and leisure time is necessary to a healthy life. There seems to be a
chemical explanation for some of the depression problems that we may have overlooked. The dimmed
natural light of winter signals the body to increase the production of melatonin. For many of us who already
spend much of our time indoors, the increased production of this chemical makes i...

There are many stresses in life that may lead to depression, and growing old can be a key one. One very important for those troubled by depression is to know that it isn't normal, and rarely will they come through it without professional help.

In older people, one trigger for depression is difficulty in the transition from a productive working life to retirement. For others, the loss of a...

Since the average life expectancy is on the increase because of higher and sophisticated standards of living. Lifetime annuities are mainly for funding retirement. There are two types of lifetime annuities -- fixed and variable.

A very important investment option available for those people who are looking for retirement savings is variable annuities. The companies offering variable annui...

A 401K plan is a retirement savings plan that is funded by employee contributions and a matching contribution from the employer. Contributions are made from pre-tax salary and the funds grow tax-free until they're withdrawn. Companies, non-profit and other tax-exempt organizations can establish these plans for their employees. 401K retirement plans are named after the section of the Internal Re...

Philadelphia is Pennsylvania’s largest city and is a bustling manufacturing and financial business center. There are many businesses that have a thriving practice in the city and starting a retirement planning service can be an ideal business idea. It will be necessary for you to be knowledgeable about the various retirement plans for individuals and business owners.

Careful retirement pl...

Unfortunately if you decide on an early retirement withdrawal you'll find yourself being hit with a 10% penalty on top of having to pay income tax as well at the top end of the tax bracket. However there are times when you can do an early retirement withdrawal if you incur some expenses because of some dire circumstances such as high medical expenses or because of disability. Also if someone ...

While some retirees don’t want to leave the comfort of home and family, many more are finding the appeal of retiring overseas. It has become a trend that more and more Americans are selecting to live their retirement years overseas. For a various number of reasons, American seniors have opted to break free of the American ways and live their lives free of the hustle and the bustle of the Unit...

As successive governments keep reminding us, too few people plan properly, if at all, for their retirement; too few people appreciate that an investment now is an investment in their future throughout retirement. So, if you're reading this, you've the edge over that particular group of people and are poised to do some serious planning for the day you can stop working for your living. it's then ...

While providing a retirement savings plan overview for your business rotates around the peripheries of retaining quality employees, reducing taxes and maximizing the company benefits, it also gives you a certain amount of publicity that draws people to work for you. However, the publicity varies as per the chosen plan.

The onset of 2008 has found employers offering the Roth 401(k) retirem...