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need to know
Disney's ESPN woes undercut 'Star Wars' gain
Pinterest hires Google exec as new ad chief
U.S. stocks end flat as oil continues to slide
SolarCity shares drop on soft forecast
Apple CEO Cook’s deleted Super Bowl tweet
Google CEO Pichai gets $199 million in stock
What to expect from Whole Foods earnings
Sears warns on sales, to speed up closures

The sad truth of why retirement
is a myth

Burberry sues, says J.C. Penney copied its designs

S.F. real estate looks like it did before dot-com crash
Every major city in the world, in one map

Americans quitting their jobs hit a nine-year high
NFIB survey hints wage gains are fleeting
Job openings are second highest on record

Recipe for less boring Oscar speeches

What to know before buying Beyoncé tickets

How to get mortgage approved: hope for sunny day

Can oil get so cheap that it won’t pay to extract it?
Oil sinks under $29 as EIA lowers price outlook
Barron’s Buzz: How low can the price of oil go?

99 Cent Gas May Be on Its Way
99-cents-a-gallon gas may be on its way: 24/7 Wall St.

Is the gold rally the real deal or ‘fool’s gold’?
Teen can keep $20,000 gold bar found in lake
Gold one of Wall Street’s best bets early in 2016
Gold futures stretch win streak to five sessions

Why is everyone freaking out about ‘CoCos’?
Convertible bonds are alluring as stocks fall
 
Deutsche Bank co-CEO says bank is ‘rock solid’
Deutsche may buy back billions in debt: FT
Why the selloff in European banks is ominous

This stock market has been Europe’s best in 2016

Strategists are arguing that stocks need a true purge

A strand of Lennon’s hair is selling for $12,000

White House forecasts decade-best economic growth
Obama proposes $4.1 trillion federal budget

Five questions that Janet Yellen must answer
Yellen may say goal is not to slow the economy
Fed: Too white, too male, too many bankers?
Expansion won’t die of old age: S.F. Fed study

Facebook, Amazon are the keys to tapping this market
French regulator threatens to fine Facebook
India bans Facebook’s free Internet service


Europe’s battles: migrants, ‘Brexit’ and ECB
German output, exports drop in December
Roubini: Welcome to the New Abnormal


This has been the No. 1 car in America for decades
How far can you get on $50 in gas?


/conga/frontpage.html 367523

Markets »

127.74MDow Volume:
Avg Vol: 130.29M
Unchanged
156
Decliners
4273
Advancers
2073
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 16,014 -13 0.08%
Nasdaq
/quotes/zigman/12633936/realtime 4,269 -15 0.35%
S&P 500
/quotes/zigman/3870025/realtime 1,852 -1 0.07%
GlobalDow
/quotes/zigman/629063/realtime 2,079 -6 0.29%
Gold
/quotes/zigman/33772884/delayed 1,193 -5 0.43%
Oil
/quotes/zigman/2260836/delayed 28.43 +0.49 1.75%
FTSE 100
/quotes/zigman/3173262/delayed 5,632 -57 1.00%
DAX
/quotes/zigman/2380246/delayed 8,879 -100 1.11%
CAC 40
/quotes/zigman/3173214/delayed 3,998 -69 1.69%
FTSE MIB
/quotes/zigman/1482176/delayed 15,913 -528 3.21%
IBEX 35
/quotes/zigman/2759620/delayed 7,928 -195 2.39%
Stoxx 600
/quotes/zigman/2380150/delayed 309 -5 1.58%
Asia Dow
/quotes/zigman/6959860/realtime 2,445 -26 1.05%
Nikkei 225
/quotes/zigman/5986735/delayed 15,820 -266 1.65%
Hang Seng
/quotes/zigman/2622475/delayed 19,288 +105 0.55%
Shanghai
/quotes/zigman/1859015/delayed 2,763 -18 0.63%
Sensex
/quotes/zigman/1652085/delayed 24,021 -266 1.10%
Singapore
/quotes/zigman/1709939/delayed 2,570 -53 2.01%
Euro
/quotes/zigman/16008136/realtime/sampled 1.13 +0.00 0.10%
Yen
/quotes/zigman/16008150/realtime/sampled 114.41 -0.72 0.62%
Pound
/quotes/zigman/16008140/realtime/sampled 1.45 0.00 0.05%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.70 0.00 0.35%
DXY Index
/quotes/zigman/1652083/delayed 95.86 -0.20 0.21%
WSJ $ Idx
/quotes/zigman/41508961/realtime 89.20 -0.08 0.08%
U.S. 10yr
/quotes/zigman/15866666/realtime 1.70 -0.03 1.48%
German 10y
/quotes/zigman/15866409/realtime 0.24 0.00 0.00%
Italy 10yr
/quotes/zigman/15866497/realtime 1.68 0.00 0.00%
Spain 10yr
/quotes/zigman/15866444/realtime 1.79 0.00 0.00%
U.K. 10yr
/quotes/zigman/15866328/realtime 1.42 0.00 0.00%
Japan 10yr
/quotes/zigman/15866525/realtime -0.01 +0.01 53.74%
Crude Oil
/quotes/zigman/2260836/delayed 28 +0 1.75%
Gold
/quotes/zigman/33772884/delayed 1,193 -5 0.43%
Corn
/quotes/zigman/25518691/delayed 362 +1 0.14%
DJIA F
/quotes/zigman/48241424/delayed 15,869 -90 0.56%
S&P F
/quotes/zigman/43106711/delayed 1,839 -10 0.51%
Silver
/quotes/zigman/32655632/delayed 15 0 1.03%

Quotes

Symbol Price Change % Change
FB /quotes/zigman/9962609/composite 99.54 -0.21 -0.21%
AAPL /quotes/zigman/68270/composite 94.99 -0.02 -0.02%
GOOG /quotes/zigman/59527964/composite 678.11 -4.63 -0.68%
BAC /quotes/zigman/190927/composite 12.20 -0.07 -0.57%
C /quotes/zigman/5065548/composite 37.51 -0.30 -0.79%
F /quotes/zigman/264304/composite 11.35 -0.24 -2.07%
T /quotes/zigman/398198/composite 36.65 -0.46 -1.24%
BP /quotes/zigman/247026/composite 28.95 -0.97 -3.24%
GE /quotes/zigman/227468/composite 28.28 0.11 0.39%
Visit the quote page and your most recently viewed stocks will automatically be displayed here.
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Rates »

5 yr CD
1.3%
2 yr CD
0.7%
1 yr CD
0.5%
MMA $10K+
0.2%
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 11.96% 11.88% 11.62%
Business 13.12% 13.11% 12.85%
Student 13.42% 13.42% 13.14%
Balance Transfer 14.35% 14.30% 14.12%
Airline 15.17% 15.16% 15.10%
Cash Back 15.26% 15.23% 15.27%
Reward 15.28% 15.25% 15.14%
Instant Approval 18.21% 18.18% 18.00%
Bad Credit 22.88% 22.88% 22.73%
Source:CreditCards.com

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SmartMoney Blogs

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
Bulletin
Investor Alert

Tokyo Markets Close in:

need to know
Disney's ESPN woes undercut 'Star Wars' gain
Pinterest hires Google exec as new ad chief
U.S. stocks end flat as oil continues to slide
SolarCity shares drop on soft forecast
Apple CEO Cook’s deleted Super Bowl tweet
Google CEO Pichai gets $199 million in stock
What to expect from Whole Foods earnings
Sears warns on sales, to speed up closures

The sad truth of why retirement
is a myth

Burberry sues, says J.C. Penney copied its designs

S.F. real estate looks like it did before dot-com crash
Every major city in the world, in one map

Americans quitting their jobs hit a nine-year high
NFIB survey hints wage gains are fleeting
Job openings are second highest on record

Recipe for less boring Oscar speeches

What to know before buying Beyoncé tickets

How to get mortgage approved: hope for sunny day

Can oil get so cheap that it won’t pay to extract it?
Oil sinks under $29 as EIA lowers price outlook
Barron’s Buzz: How low can the price of oil go?

99 Cent Gas May Be on Its Way
99-cents-a-gallon gas may be on its way: 24/7 Wall St.

Is the gold rally the real deal or ‘fool’s gold’?
Teen can keep $20,000 gold bar found in lake
Gold one of Wall Street’s best bets early in 2016
Gold futures stretch win streak to five sessions

Why is everyone freaking out about ‘CoCos’?
Convertible bonds are alluring as stocks fall
 
Deutsche Bank co-CEO says bank is ‘rock solid’
Deutsche may buy back billions in debt: FT
Why the selloff in European banks is ominous

This stock market has been Europe’s best in 2016

Strategists are arguing that stocks need a true purge

A strand of Lennon’s hair is selling for $12,000

White House forecasts decade-best economic growth
Obama proposes $4.1 trillion federal budget

Five questions that Janet Yellen must answer
Yellen may say goal is not to slow the economy
Fed: Too white, too male, too many bankers?
Expansion won’t die of old age: S.F. Fed study

Facebook, Amazon are the keys to tapping this market
French regulator threatens to fine Facebook
India bans Facebook’s free Internet service


Europe’s battles: migrants, ‘Brexit’ and ECB
German output, exports drop in December
Roubini: Welcome to the New Abnormal


This has been the No. 1 car in America for decades
How far can you get on $50 in gas?


/conga/frontpage.html 367523

Markets »

127.74MDow Volume:
Avg Vol: 130.29M
Unchanged
156
Decliners
4273
Advancers
2073
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 16,014 -13 0.08%
Nasdaq
/quotes/zigman/12633936/realtime 4,269 -15 0.35%
S&P 500
/quotes/zigman/3870025/realtime 1,852 -1 0.07%
GlobalDow
/quotes/zigman/629063/realtime 2,079 -6 0.28%
Gold
/quotes/zigman/33772884/delayed 1,193 -5 0.43%
Oil
/quotes/zigman/2260836/delayed 28.43 +0.49 1.75%
FTSE 100
/quotes/zigman/3173262/delayed 5,632 -57 1.00%
DAX
/quotes/zigman/2380246/delayed 8,879 -100 1.11%
CAC 40
/quotes/zigman/3173214/delayed 3,998 -69 1.69%
FTSE MIB
/quotes/zigman/1482176/delayed 15,913 -528 3.21%
IBEX 35
/quotes/zigman/2759620/delayed 7,928 -195 2.39%
Stoxx 600
/quotes/zigman/2380150/delayed 309 -5 1.58%
Asia Dow
/quotes/zigman/6959860/realtime 2,445 -26 1.05%
Nikkei 225
/quotes/zigman/5986735/delayed 15,825 -261 1.62%
Hang Seng
/quotes/zigman/2622475/delayed 19,288 +105 0.55%
Shanghai
/quotes/zigman/1859015/delayed 2,763 -18 0.63%
Sensex
/quotes/zigman/1652085/delayed 24,021 -266 1.10%
Singapore
/quotes/zigman/1709939/delayed 2,571 -52 2.00%
Euro
/quotes/zigman/16008136/realtime/sampled 1.13 +0.00 0.10%
Yen
/quotes/zigman/16008150/realtime/sampled 114.42 -0.70 0.61%
Pound
/quotes/zigman/16008140/realtime/sampled 1.45 0.00 0.05%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.70 0.00 0.34%
DXY Index
/quotes/zigman/1652083/delayed 95.87 -0.19 0.20%
WSJ $ Idx
/quotes/zigman/41508961/realtime 89.21 -0.07 0.08%
U.S. 10yr
/quotes/zigman/15866666/realtime 1.70 -0.03 1.48%
German 10y
/quotes/zigman/15866409/realtime 0.24 0.00 0.00%
Italy 10yr
/quotes/zigman/15866497/realtime 1.68 0.00 0.00%
Spain 10yr
/quotes/zigman/15866444/realtime 1.79 0.00 0.00%
U.K. 10yr
/quotes/zigman/15866328/realtime 1.42 0.00 0.00%
Japan 10yr
/quotes/zigman/15866525/realtime -0.01 +0.01 53.74%
Crude Oil
/quotes/zigman/2260836/delayed 28 +0 1.75%
Gold
/quotes/zigman/33772884/delayed 1,193 -5 0.43%
Corn
/quotes/zigman/25518691/delayed 362 +1 0.14%
DJIA F
/quotes/zigman/48241424/delayed 15,871 -88 0.55%
S&P F
/quotes/zigman/43106711/delayed 1,839 -10 0.51%
Silver
/quotes/zigman/32655632/delayed 15 0 1.03%

Quotes

Symbol Price Change % Change
FB /quotes/zigman/9962609/composite 99.54 -0.21 -0.21%
AAPL /quotes/zigman/68270/composite 94.99 -0.02 -0.02%
GOOG /quotes/zigman/59527964/composite 678.11 -4.63 -0.68%
BAC /quotes/zigman/190927/composite 12.20 -0.07 -0.57%
C /quotes/zigman/5065548/composite 37.51 -0.30 -0.79%
F /quotes/zigman/264304/composite 11.35 -0.24 -2.07%
T /quotes/zigman/398198/composite 36.65 -0.46 -1.24%
BP /quotes/zigman/247026/composite 28.95 -0.97 -3.24%
GE /quotes/zigman/227468/composite 28.28 0.11 0.39%
Visit the quote page and your most recently viewed stocks will automatically be displayed here.
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Rates »

5 yr CD
1.3%
2 yr CD
0.7%
1 yr CD
0.5%
MMA $10K+
0.2%
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 11.96% 11.88% 11.62%
Business 13.12% 13.11% 12.85%
Student 13.42% 13.42% 13.14%
Balance Transfer 14.35% 14.30% 14.12%
Airline 15.17% 15.16% 15.10%
Cash Back 15.26% 15.23% 15.27%
Reward 15.28% 15.25% 15.14%
Instant Approval 18.21% 18.18% 18.00%
Bad Credit 22.88% 22.88% 22.73%
Source:CreditCards.com

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