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need to know
U.K. stocks wobble after sinking to 3-year low
France industrial output falls 1.6% on month
Nissan net jumps 25% on U.S., Europe sales
Moller-Maersk earnings hit by oil, freight falls
SoftBank profit falls sharply, misses views
Oil hovers above $28 | Dollar falls vs. yen

Disney's ESPN woes undercut 'Star Wars' gain
What to expect from Whole Foods earnings
Japan stocks fall to lowest level since 2014

Why is everyone freaking out about ‘CoCos’?
Convertible bonds are alluring as stocks fall

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

Tim Cook deletes Super Bowl tweet after mockery

IRS says identity thieves breached its systems
How to know if your tax preparer is a crook
Tax software firm warns of data breach
White House's lesson about online security

Is it wise to hold onto cash reserves?

The sad truth of why retirement
is a myth

Why you should consider retiring abroad

Asahi bids more than $3.5 bln for Peroni, Grolsch
Heineken lifts dividend as profit rises
Carlsberg reports surprise net profit
Greene King sales rise, cheered by Christmas


Burberry sues, says J.C. Penney copied its designs
Hermès sales up 15% on euro, Asian demand

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

This stock market has been Europe’s best in 2016
Europe’s battles: migrants, ‘Brexit’ and ECB

Strategists are arguing that stocks need a true purge

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

Do elite colleges really lead to higher salaries?
Make a lot of money without the Ivy League
Women, minorities get less from college

99 Cent Gas May Be on Its Way
99-cents-a-gallon gas may be on its way: 24/7 Wall St.
/conga/frontpage.html 367539

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 2,091 +6 0.28%
Gold
/quotes/zigman/33772884/delayed 1,183 -16 1.31%
Oil
/quotes/zigman/2260836/delayed 28.52 +0.58 2.08%
FTSE 100
/quotes/zigman/3173262/delayed 5,681 +49 0.87%
DAX
/quotes/zigman/2380246/delayed 9,037 +158 1.78%
CAC 40
/quotes/zigman/3173214/delayed 4,072 +74 1.85%
FTSE MIB
/quotes/zigman/1482176/delayed 16,498 +585 3.68%
IBEX 35
/quotes/zigman/2759620/delayed 8,127 +199 2.52%
Stoxx 600
/quotes/zigman/2380150/delayed 315 +6 1.85%
Asia Dow
/quotes/zigman/6959860/realtime 2,454 -17 0.70%
Nikkei 225
/quotes/zigman/5986735/delayed 15,713 -372 2.31%
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 23,774 -247 1.03%
Singapore
/quotes/zigman/1709939/delayed 2,582 -41 1.57%
Euro
/quotes/zigman/16008136/realtime/sampled 1.13 0.00 0.26%
Yen
/quotes/zigman/16008150/realtime/sampled 114.91 -0.21 0.18%
Pound
/quotes/zigman/16008140/realtime/sampled 1.45 +0.00 0.19%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.71 +0.00 0.47%
DXY Index
/quotes/zigman/1652083/delayed 96.16 +0.11 0.11%
WSJ $ Idx
/quotes/zigman/41508961/realtime 89.19 -0.09 0.10%
U.S. 10yr
/quotes/zigman/15866666/realtime 1.76 +0.03 1.92%
German 10y
/quotes/zigman/15866409/realtime 0.26 +0.02 9.06%
Italy 10yr
/quotes/zigman/15866497/realtime 1.62 -0.06 3.83%
Spain 10yr
/quotes/zigman/15866444/realtime 1.69 -0.10 5.35%
U.K. 10yr
/quotes/zigman/15866328/realtime 1.43 +0.02 1.19%
Japan 10yr
/quotes/zigman/15866525/realtime 0.01 +0.04 165.64%
Crude Oil
/quotes/zigman/2260836/delayed 29 +1 2.08%
Gold
/quotes/zigman/33772884/delayed 1,183 -16 1.31%
Corn
/quotes/zigman/25518691/delayed 360 -1 0.21%
DJIA F
/quotes/zigman/48241424/delayed 16,054 +95 0.60%
S&P F
/quotes/zigman/43106711/delayed 1,862 +14 0.76%
Silver
/quotes/zigman/32655632/delayed 15 0 1.87%

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% 11.96% 11.62%
Business 13.12% 13.12% 12.85%
Student 13.42% 13.42% 13.14%
Balance Transfer 14.35% 14.35% 14.12%
Airline 15.17% 15.17% 15.10%
Cash Back 15.26% 15.26% 15.27%
Reward 15.28% 15.28% 15.14%
Instant Approval 18.21% 18.21% 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

3 Ways the Recession Changed Retirement

iStockphoto

The past few years brought about a sea change in how Americans view retirement.  Back in 2007, many thought they’d be set at age 65 with money from that house they  planned to flip, and flush retirement accounts from a stock market that just wouldn’t quit. But the recession changed all that.

Nowadays, retirement looks different.  Here are some of the ways it’s changed:

80 is the new 65
As I reported earlier this year, 80 is the new 65: Whereas most of our parents’ generation expected to (and did) retire around 65, a full one in four baby boomers plan to keep on working until age 80, according to a Wells Fargo retirement survey released this year.  It’s a finding that’s consistent with a variety of other surveys by financial companies — in effect, baby boomers expect to work far longer than their parents (many of whom had pensions to fall back on) ever did. “It’s really setting in with a lot of people that they’re under-saved and so it might be hard to maintain their lifestyle,” says Joseph Ready, an executive vice president of Wells Fargo Institutional Retirement & Trust.  Read more here.

Working in retirement
Even people who at some point fully retire plan to pick up odd jobs or part-time work in their retirement.  In 2010, one in five workers 50 and older who had fully retired worked a job in retirement, according to a study by the Sloan Center on Aging & Work.  With the tsunami of aging boomers, this trend will become more pronounced, with 75% of workers 50 and up saying they plan to pick up a “retirement job” in the future, the study found.  “‘”Working in retirement’ is quickly becoming a new stage in career progression,” the study authors concluded.

Debt in old age
While prior generations  had pensions to help them remain debt-free in retirement, boomers aren’t so lucky.  Forty-eight percent of boomers expect to carry a mortgage into retirement, according to a May 2011 Bankers Life and Casualty Company survey; one in three workers over 55 have more credit card debt than retirement savings. What’s more, Americans 45 and older are the fastest growing group filing for bankruptcy.

That all sounds really depressing.  But the good news is that many still have time to get out of debt and save more for retirement.  Here are some resources to help:

  • Get out of debt:
    This SmartMoney.com story will help older workers  figure out how to negotiate a payment plan with their creditors and choose a debt counselor.
  • Save more for retirement:
    First, check out SmartMoney.com’s retirement planner to figure out how much one needs to save for retirement.  Then, invest  those savings  using strategies like these.

Comments

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

Comments (5 of 8)

View all Comments »
    • what sort of gear did you use, were you self-sufficient? Do you have a blog or journal vnreciog the trip and what gear you used in more detail? I am thinking of doing a tour through Scandinavia next year and am trying to work out what gear I’ll need.

    • We learned about Dave Ramsey and have been following his plan since 2010. He offers sound financial advice on how to get out of debt and live like no one else.

    • Large companies like Lowes and Home Depot are adding seniors to their workforce . They don’t have to provide them with Health care because they have Medicare and many heve Social security so a pension program doesn’t have to be added . In addition they are conscientious workers with life’s experience as part of their education . They are quite reliable because they want to work .
      Seniors make for good employees .

    • You can always work for the TSA they will hire anyone.

    • Hello, everybody, the good shoping place, the new season approaching, click in.
      Welcome to

      http://ppt。cc/ew(L

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

New York Markets Open in:

Futures: /quotes/zigman/43106711/delayed S&P 500 +0.8% /quotes/zigman/48241424/delayed DOW +0.6% /quotes/zigman/43108768/delayed NASDAQ +1.1%

need to know
U.K. stocks wobble after sinking to 3-year low
France industrial output falls 1.6% on month
Nissan net jumps 25% on U.S., Europe sales
Moller-Maersk earnings hit by oil, freight falls
SoftBank profit falls sharply, misses views
Oil hovers above $28 | Dollar falls vs. yen

Disney's ESPN woes undercut 'Star Wars' gain
What to expect from Whole Foods earnings
Japan stocks fall to lowest level since 2014

Why is everyone freaking out about ‘CoCos’?
Convertible bonds are alluring as stocks fall

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

Tim Cook deletes Super Bowl tweet after mockery

IRS says identity thieves breached its systems
How to know if your tax preparer is a crook
Tax software firm warns of data breach
White House's lesson about online security

Is it wise to hold onto cash reserves?

The sad truth of why retirement
is a myth

Why you should consider retiring abroad

Asahi bids more than $3.5 bln for Peroni, Grolsch
Heineken lifts dividend as profit rises
Carlsberg reports surprise net profit
Greene King sales rise, cheered by Christmas


Burberry sues, says J.C. Penney copied its designs
Hermès sales up 15% on euro, Asian demand

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

This stock market has been Europe’s best in 2016
Europe’s battles: migrants, ‘Brexit’ and ECB

Strategists are arguing that stocks need a true purge

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

Do elite colleges really lead to higher salaries?
Make a lot of money without the Ivy League
Women, minorities get less from college

99 Cent Gas May Be on Its Way
99-cents-a-gallon gas may be on its way: 24/7 Wall St.
/conga/frontpage.html 367539

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 2,091 +6 0.28%
Gold
/quotes/zigman/33772884/delayed 1,183 -16 1.31%
Oil
/quotes/zigman/2260836/delayed 28.52 +0.58 2.08%
FTSE 100
/quotes/zigman/3173262/delayed 5,681 +49 0.87%
DAX
/quotes/zigman/2380246/delayed 9,037 +158 1.78%
CAC 40
/quotes/zigman/3173214/delayed 4,072 +75 1.87%
FTSE MIB
/quotes/zigman/1482176/delayed 16,498 +585 3.68%
IBEX 35
/quotes/zigman/2759620/delayed 8,128 +201 2.53%
Stoxx 600
/quotes/zigman/2380150/delayed 315 +6 1.87%
Asia Dow
/quotes/zigman/6959860/realtime 2,454 -17 0.70%
Nikkei 225
/quotes/zigman/5986735/delayed 15,713 -372 2.31%
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 23,775 -246 1.02%
Singapore
/quotes/zigman/1709939/delayed 2,582 -41 1.57%
Euro
/quotes/zigman/16008136/realtime/sampled 1.13 0.00 0.26%
Yen
/quotes/zigman/16008150/realtime/sampled 114.91 -0.21 0.18%
Pound
/quotes/zigman/16008140/realtime/sampled 1.45 +0.00 0.19%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.71 +0.00 0.47%
DXY Index
/quotes/zigman/1652083/delayed 96.16 +0.10 0.11%
WSJ $ Idx
/quotes/zigman/41508961/realtime 89.19 -0.09 0.10%
U.S. 10yr
/quotes/zigman/15866666/realtime 1.76 +0.03 1.92%
German 10y
/quotes/zigman/15866409/realtime 0.26 +0.02 9.06%
Italy 10yr
/quotes/zigman/15866497/realtime 1.62 -0.06 3.83%
Spain 10yr
/quotes/zigman/15866444/realtime 1.69 -0.10 5.45%
U.K. 10yr
/quotes/zigman/15866328/realtime 1.43 +0.02 1.19%
Japan 10yr
/quotes/zigman/15866525/realtime 0.01 +0.04 165.64%
Crude Oil
/quotes/zigman/2260836/delayed 29 +1 2.08%
Gold
/quotes/zigman/33772884/delayed 1,183 -16 1.31%
Corn
/quotes/zigman/25518691/delayed 360 -1 0.21%
DJIA F
/quotes/zigman/48241424/delayed 16,054 +95 0.60%
S&P F
/quotes/zigman/43106711/delayed 1,862 +14 0.76%
Silver
/quotes/zigman/32655632/delayed 15 0 1.87%

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.
Please log in to view your watchlist
MarketWatch Portfolio

World News from MarketWatch

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% 11.96% 11.62%
Business 13.12% 13.12% 12.85%
Student 13.42% 13.42% 13.14%
Balance Transfer 14.35% 14.35% 14.12%
Airline 15.17% 15.17% 15.10%
Cash Back 15.26% 15.26% 15.27%
Reward 15.28% 15.28% 15.14%
Instant Approval 18.21% 18.21% 18.00%
Bad Credit 22.88% 22.88% 22.73%
Source:CreditCards.com

Top 3 from Barron's

Today's list of the most-viewed stories from Barron's. More »

  1. 1.
  2. 2.
  3. 3.

Visit Barrons.com

SPONSORED SECTIONS

Trending Tickers
  • /quotes/zigman/245568/composite DIS+0.22%
  • /quotes/zigman/13139813/composite SCTY-5.69%
  • /quotes/zigman/93928/composite PSEC-7.39%
  • /quotes/zigman/118681/composite TSLA+0.18%
  • /quotes/zigman/207002/composite DB-1.03%
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