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141.44MDow Volume:
Avg Vol: 109.98M
Unchanged
217
Decliners
3378
Advancers
3004
Price Chg %Chg 1 Day
Range: 1 Day
  • 1 Day
  • 5 Days
  • 1 Month
  • 3 Months
  • 6 Months
  • 1 Year
  • 2 Years
Dow
/quotes/zigman/627449/realtime 16,528 -115 0.69%
Nasdaq
/quotes/zigman/12633936/realtime 4,777 -52 1.07%
S&P 500
/quotes/zigman/3870025/realtime 1,972 -17 0.84%
GlobalDow
/quotes/zigman/629063/realtime 2,355 -19 0.78%
Gold
/quotes/zigman/662444/delayed 1,135 +2 0.19%
Oil
/quotes/zigman/2331095/delayed 47.63 -1.57 3.19%
FTSE 100
/quotes/zigman/3173262/delayed 6,248 +56 0.90%
DAX
/quotes/zigman/2380246/delayed 10,259 -39 0.38%
CAC 40
/quotes/zigman/3173214/delayed 4,653 -22 0.47%
FTSE MIB
/quotes/zigman/1482176/delayed 21,942 -52 0.24%
IBEX 35
/quotes/zigman/2759620/delayed 10,259 -94 0.91%
Stoxx 600
/quotes/zigman/2380150/delayed 363 0 0.13%
Asia Dow
/quotes/zigman/6959860/realtime 2,784 -14 0.49%
Nikkei 225
/quotes/zigman/5986735/delayed 18,890 -246 1.28%
Hang Seng
/quotes/zigman/2622475/delayed 21,671 +58 0.27%
Shanghai
/quotes/zigman/1859015/delayed 3,206 -26 0.82%
Sensex
/quotes/zigman/1652085/delayed 26,283 -109 0.41%
Singapore
/quotes/zigman/1709939/delayed 2,921 -35 1.17%
Euro
/quotes/zigman/16008136/realtime/sampled 1.12 +0.00 0.04%
Yen
/quotes/zigman/16008150/realtime/sampled 121.23 +0.00 0.00%
Pound
/quotes/zigman/16008140/realtime/sampled 1.54 +0.00 0.06%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.71 0.00 0.00%
DXY Index
/quotes/zigman/1652083/delayed 95.93 +0.00 0.00%
WSJ $ Idx
/quotes/zigman/41508961/realtime 88.41 -0.02 0.03%
U.S. 10yr
/quotes/zigman/15866666/realtime 2.22 +0.03 1.59%
German 10y
/quotes/zigman/15866409/realtime 0.73 -0.01 1.33%
Italy 10yr
/quotes/zigman/15866497/realtime 1.92 +0.01 0.45%
Spain 10yr
/quotes/zigman/15866444/realtime 2.06 0.00 0.19%
U.K. 10yr
/quotes/zigman/15866328/realtime 1.85 -0.02 0.96%
Japan 10yr
/quotes/zigman/15866525/realtime 0.38 0.00 0.55%
Crude Oil
/quotes/zigman/2331095/delayed 48 -2 3.19%
Gold
/quotes/zigman/662444/delayed 1,135 +2 0.19%
Corn
/quotes/zigman/7599553/delayed 375 +0 0.07%
DJIA F
/quotes/zigman/38649152/delayed 16,452 -56 0.34%
S&P F
/quotes/zigman/30356461/delayed 1,961 -8 0.40%
Silver
/quotes/zigman/3134148/delayed 15 +0 0.10%

Quotes

Symbol Price Change % Change
FB /quotes/zigman/9962609/composite 89.43 -1.58 -1.74%
AAPL /quotes/zigman/68270/composite 112.76 -0.53 -0.47%
GOOG /quotes/zigman/30194416/composite 618.25 -12.13 -1.92%
BAC /quotes/zigman/190927/composite 16.34 -0.02 -0.12%
C /quotes/zigman/5065548/composite 53.48 0.20 0.38%
F /quotes/zigman/264304/composite 13.87 0.13 0.95%
T /quotes/zigman/398198/composite 33.20 -0.09 -0.27%
BP /quotes/zigman/247026/composite 33.54 0.28 0.84%
GE /quotes/zigman/227468/composite 24.82 -0.34 -1.35%
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Rates »

5 yr CD
1.5%
2 yr CD
0.8%
1 yr CD
0.6%
MMA $10K+
0.3%
MMA $50K+
0.4%

National averages from Bankrate.com

You Don’t Need Another Credit Card, You Need A Better One.
Avg. APR Last Week 6 Months
Low Interest 11.62% 11.62% 11.53%
Business 12.85% 12.85% 12.85%
Student 13.14% 13.14% 13.14%
Balance Transfer 14.12% 14.12% 14.00%
Airline 15.10% 15.10% 15.15%
Reward 15.14% 15.14% 14.99%
Cash Back 15.27% 15.27% 15.26%
Instant Approval 18.00% 18.00% 17.93%
Bad Credit 22.73% 22.73% 22.48%
Source:CreditCards.com

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  • /quotes/zigman/12221594/composite AMBA-0.71%
  • /quotes/zigman/88601/composite WYNN-4.03%
  • /quotes/zigman/55553287/composite NK-7.76%
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Encore
A blog about living in and planning for retirement

What Happens If You Can’t Work Until Age 65?

iStockPhoto

Half of boomers say they plan to work into their 70s, according to a study by First Command Financial Services.  But in reality, many may have to stop working in their 50s and early 60s due to a disability. What do you do if this happens to you?

About three in ten workers will become too disabled to work before they are ready to retire, according to the Social Security Administration.  Among the most common conditions are bad backs, arthritis and cancer — many of which become more prevalent with age, says Brett Albren, the president and managing partner of The Advocator Group, which specializes in Social Security Disability Insurance.  For workers under 65 who find themselves with a condition that prevents them from working, the Social Security Administration may provide financial aid through its Social Security Disability Insurance program.

SmartMoney.com asked Albren to highlight some of the things you’ll need to know to get Social Security Disability Insurance.

  • How can I qualify for benefits? There are several factors you must meet to qualify for Social Security Disability Insurance. First, your disability has to have lasted or be expected to last for at least a year or to result in death. Second, you can’t now do the job that you once did because of your medical condition, and your condition must prevent you from adjusting to doing another job. Third, you have to have worked for a certain amount of years to qualify.  For anyone over the age of 31, the rule requires one to have worked at least five out of the last 10 years. For a complete discussion on how to qualify for benefits, click here.
  • How do I apply for Social Security Disability Insurance? The Social Security Administration has set up a website that lets you apply for benefits online.  The SSA says that it “can take a long time to process an application for disability benefits (three to five months),” so be prepared to wait to get a check. Albren notes that you might want to hire a lawyer to help you apply for these benefits, as the process can be arduous and confusing. The lawyer will typically get about 25% of the past-due benefits owed to you with a cap of about $6,000, he says.
  • How much can I expect to get? The amount of Social Security Disability Insurance you will receive is based on your previous employment earnings. The average benefit is about $1,100 to $1,200 per month, Albren says.  To figure out how much you might get, use the calculator here.

Comments

We welcome thoughtful comments from readers. Please comply with our guidelines. Our blogs do not require the use of your real name.

Comments (2 of 2)

View all Comments »
    • It’s me again!Before I forget I want to say that I rellay love your painting on the easel!I understand that this is your vision or it was at the time of painting?I enjoy reading about the different ways I can do something with my life. I suppose we all have a vision of ourselves which is different from either how others see us or even how I want to se myself. The only thing is that to realise my VISION I have to DO something and I suppose I am just comfortable with the way things are even if I am not rellay satisfied with the shape of my life.I will contiue looking thro’ your exercises and I do get encouragement from reading what others have written about how your workshopr and YOUR VISION has helped them.Thank you for opening my mind to the fact that I can REALISE my DREAM and live my life more EFFECTIVELY especially once I have clarified it !.Resel.

    • Marvin Tolkin has given us a new and refreshing way to look at and plan for retmreient. Instead of thinking about retmreient as the rest of your life , he suggests that you think of it as the best of your life. Marvin offers a totally different way to look at retmreient. Instead of taking the typical financial planner’s perspective, he takes a holistic approach. Most financial planners are concerned with allocating resources among stocks, bonds and other investments. Marvin suggests that you plan for your retmreient by investing in things that interest you. Stocks and bonds do not generally give you any personal sense of satisfaction. Collecting stamps, gold coins, art and other such collectables can offer a good financial investment as well as a personal satisfaction.He gives some fairly good advice about alternative investments. Seek out and find experts. Take their advice. Focus on the higher end, more expensive products where there is likely to be higher demand, more appreciation. One of the concepts he talks about is marrying time to money . His view is that you should only invest in things that you are passionate about things you love spending time doing. If you naturally are passionate about something, you will study it, devote the time and attention to looking after the investment and even if the investment does not totally pan out, you will at least have enjoyed the ride.Marvin develops his philosophy of retmreient by telling his own story. In some respects this is helpful, in others it has it disadvantages. Marvin was a highly successful businessman and therefore had many advantages that many people do not. He got to travel extensively. He had the cash flow to invest in real estate. He also was able to invest in collectables that would appreciate in value.Many people will look at his plan and not be able to transfer the lessons or principles from his life to their own. In addition to the financial planning, Marvin talks about staying active, living with a purpose. In my view, this is as important as the financial information. I have seen countless people retire and then sit around waiting to die. Watching TV or playing golf everyday can get boring in a hurry. Marvin suggest that you must stay active, physically and mentally to enjoy your retmreient.There is a lot of really good advice in this book. It is written in an easy to read style and the layout is reader friendly. It is never too early to start planning for your retmreient. But if you are over 40, this would be a great book to read. The quality of your retmreient will be directly related to the time and energy you spend planning for it. This book could be a very helpful guide.

About Encore

  • Encore examines the changing nature of retirement, from new rules and guidelines for financial security to the shifting identities and priorities of today’s retirees. The blog also explores news that affects retirement, from the Wall Street Journal Digital Network and around the web. Lead bloggers are reporter Catey Hill and senior editor Jeremy Olshan. Other contributors include The Wall Street Journal’s retirement columnists Glenn Ruffenach and Anne Tergesen; the Director for the Center for Retirement Research at Boston College, Alicia Munnell; and the Director of Research for Pinnacle Advisory Group, Michael Kitces, CFP.

MarketWatch - Stock Market Quotes, Business News, Financial News
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Markets »

141.44MDow Volume:
Avg Vol: 109.98M
Unchanged
217
Decliners
3378
Advancers
3004
Price Chg %Chg 1 Day
Range: 1 Day
  • 1 Day
  • 5 Days
  • 1 Month
  • 3 Months
  • 6 Months
  • 1 Year
  • 2 Years
Dow
/quotes/zigman/627449/realtime 16,528 -115 0.69%
Nasdaq
/quotes/zigman/12633936/realtime 4,777 -52 1.07%
S&P 500
/quotes/zigman/3870025/realtime 1,972 -17 0.84%
GlobalDow
/quotes/zigman/629063/realtime 2,355 -19 0.78%
Gold
/quotes/zigman/662444/delayed 1,135 +2 0.19%
Oil
/quotes/zigman/2331095/delayed 47.63 -1.57 3.19%
FTSE 100
/quotes/zigman/3173262/delayed 6,248 +56 0.90%
DAX
/quotes/zigman/2380246/delayed 10,259 -39 0.38%
CAC 40
/quotes/zigman/3173214/delayed 4,653 -22 0.47%
FTSE MIB
/quotes/zigman/1482176/delayed 21,942 -52 0.24%
IBEX 35
/quotes/zigman/2759620/delayed 10,259 -94 0.91%
Stoxx 600
/quotes/zigman/2380150/delayed 363 0 0.13%
Asia Dow
/quotes/zigman/6959860/realtime 2,784 -14 0.49%
Nikkei 225
/quotes/zigman/5986735/delayed 18,890 -246 1.28%
Hang Seng
/quotes/zigman/2622475/delayed 21,671 +58 0.27%
Shanghai
/quotes/zigman/1859015/delayed 3,206 -26 0.82%
Sensex
/quotes/zigman/1652085/delayed 26,283 -109 0.41%
Singapore
/quotes/zigman/1709939/delayed 2,921 -35 1.17%
Euro
/quotes/zigman/16008136/realtime/sampled 1.12 +0.00 0.04%
Yen
/quotes/zigman/16008150/realtime/sampled 121.23 +0.00 0.00%
Pound
/quotes/zigman/16008140/realtime/sampled 1.54 +0.00 0.06%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.71 0.00 0.00%
DXY Index
/quotes/zigman/1652083/delayed 95.94 +0.01 0.01%
WSJ $ Idx
/quotes/zigman/41508961/realtime 88.41 -0.02 0.03%
U.S. 10yr
/quotes/zigman/15866666/realtime 2.22 +0.03 1.59%
German 10y
/quotes/zigman/15866409/realtime 0.73 -0.01 1.33%
Italy 10yr
/quotes/zigman/15866497/realtime 1.92 +0.01 0.45%
Spain 10yr
/quotes/zigman/15866444/realtime 2.06 0.00 0.19%
U.K. 10yr
/quotes/zigman/15866328/realtime 1.85 -0.02 0.96%
Japan 10yr
/quotes/zigman/15866525/realtime 0.38 0.00 0.55%
Crude Oil
/quotes/zigman/2331095/delayed 48 -2 3.19%
Gold
/quotes/zigman/662444/delayed 1,135 +2 0.19%
Corn
/quotes/zigman/7599553/delayed 375 +0 0.07%
DJIA F
/quotes/zigman/38649152/delayed 16,452 -56 0.34%
S&P F
/quotes/zigman/30356461/delayed 1,961 -8 0.40%
Silver
/quotes/zigman/3134148/delayed 15 +0 0.10%

Quotes

Symbol Price Change % Change
FB /quotes/zigman/9962609/composite 89.43 -1.58 -1.74%
AAPL /quotes/zigman/68270/composite 112.76 -0.53 -0.47%
GOOG /quotes/zigman/30194416/composite 618.25 -12.13 -1.92%
BAC /quotes/zigman/190927/composite 16.34 -0.02 -0.12%
C /quotes/zigman/5065548/composite 53.48 0.20 0.38%
F /quotes/zigman/264304/composite 13.87 0.13 0.95%
T /quotes/zigman/398198/composite 33.20 -0.09 -0.27%
BP /quotes/zigman/247026/composite 33.54 0.28 0.84%
GE /quotes/zigman/227468/composite 24.82 -0.34 -1.35%
Visit the quote page and your most recently viewed stocks will automatically be displayed here.
Please log in to view your watchlist
MarketWatch Portfolio

World News from MarketWatch

Rates »

5 yr CD
1.5%
2 yr CD
0.8%
1 yr CD
0.6%
MMA $10K+
0.3%
MMA $50K+
0.4%

National averages from Bankrate.com

You Don’t Need Another Credit Card, You Need A Better One.
Avg. APR Last Week 6 Months
Low Interest 11.62% 11.62% 11.53%
Business 12.85% 12.85% 12.85%
Student 13.14% 13.14% 13.14%
Balance Transfer 14.12% 14.12% 14.00%
Airline 15.10% 15.10% 15.15%
Reward 15.14% 15.14% 14.99%
Cash Back 15.27% 15.27% 15.26%
Instant Approval 18.00% 18.00% 17.93%
Bad Credit 22.73% 22.73% 22.48%
Source:CreditCards.com

SPONSORED SECTIONS

Trending Tickers
  • /quotes/zigman/413712/composite USO+6.79%
  • /quotes/zigman/8669138/composite DWTI-22.19%
  • /quotes/zigman/12221594/composite AMBA-0.71%
  • /quotes/zigman/88601/composite WYNN-4.03%
  • /quotes/zigman/55553287/composite NK-7.76%
X
Powered by StockTwits
Link to MarketWatch's Slice.

As of July 2, 2013, the SmartMoney content you loved now lives on MarketWatch.

MarketWatch will continue to provide the same important news and information you rely on every day. And, as a MarketWatch user, you will be able to enjoy:

  • Personalized news and quote email alerts
  • Editorial e-newsletters about personal finance, mutual funds and market-specific coverage
  • Premium newsletters by our market experts
  • Games, such as Virtual Stock Exchange and Beat the Darts
  • Free WSJ.com registration

Email address

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