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finances
Photo: © Tetra Images/ age fotostock. Jimmy Gonzalez

       
   

Older Hispanic Workers on the Rise

Demographic trends suggest that tomorrow’s employer will likely face a labor shortage—and older Hispanic workers could fill the gap.
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Equity Rich, Cash Poor

In the economic downturn, many seniors struggle to maintain their homes. Some turn to nonprofits that can lend a helping hand.
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  money gift  

The Generous Giver’s Dilemma

Even in today’s slumping economy, parents and grandparents can find great financial gifts for kids.
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Ask the Experts

A column from AARP Bulletin Today. This month's topic: What to do when a layoff catches you with a 401(k) loan.
more at AARP Bulletin Today>>

       
   

Spectacular Quinceañeras on the Cheap

These families offer proof that you don’t have to skip throwing a memorable quinceañera, despite rough economic times. Plus: Party up, pay down: tips for party planning on a budget.
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Your Life-Crisis Money Plan: How to Get Ready for the Worst That Could Happen

Suppose you lost your job, your health, or your spouse. Could you cope? Would you end up broke? With the economy on life support, it's time to stress-test your finances.
more at AARP The Magazine>>

       
   

Uncertain Economy Changes Outlook on Job Status

The economy’s doldrums are prompting the 45-and-older crowd to view employment and retirement in a different light, a new AARP Bulletin survey indicates.
more at AARP Bulletin Today>>

       
  man on park bench contemplating single leaf in tree above him  

Advance Directives

When planning for the inevitable, draw up your advance directives as part of your life portfolio to be sure your loved ones make health choices according to your wishes.
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Save the World—and Save Money

You can take care of the environment and fill the piggy bank at the same time. It’s easier than you think.
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50 Thrifty Ideas

We asked how you pinch pennies these days, and you responded with a thousand suggestions. Our pick of the lot could save you thousands of dollars.
more at AARP The Magazine>>

       
   

The Earned Income Tax Credit—Free Money on Tax Day!

Many eligible Hispanic taxpayers overlook the Earned Income Tax Credit. It’s like free money, so we tell you how to take advantage of this benefit—no matter which income tax form you use.
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Steps to a New Job

Experts explain how you can secure your employment by moving up—or out—in these tough economic times.
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Loosening the Shackles of Debt

Overwhelmed by credit card debt? You're not alone. Try these tips from the experts for breaking free.
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Insurance: Who Needs It?

Now more than ever, it's important to make sure you're covered. But what kind of insurance do you need? Use this checklist to help you make sense of it all.
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Insurance: Who Needs it? Part II

In Part II of our insurance checklist, we look at renters, life, umbrella, long-term care, cancer and heart disease/stroke insurance. Do they make sense for you?
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Easy Money?

As the economy nose-dives, a debit card for your 401(k) is stirring up controversy.
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Protecting Holiday Cheer

Wallet feeling thin for the holidays? Here are some strategies that can help protect your bottom line.
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U.S. Treasury Secretary’s Priority

Treasury Secretary Henry Paulson met with AARP’s board of directors to outline his plan for a coordinated effort to stabilize world markets and the U.S. financial system.
more at AARP Bulletin>>

       
   

Updated December 23, 2008
Top Questions Members Are Asking AARP About the Current Financial Crisis

Scared? Stoic? Hopeful? We know that many of you are concerned about your hard-earned  savings, your investments, your home and what the future holds for your retirement. We will be updating this page with new questions and answers frequently.
more at AARP Bulletin Today>>

       
   

AARP Financial’s Ten Tips to Survive Today’s Market

Proactive steps you can take to help protect your nest egg amidst a financial market that is in turmoil.
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Going Without the Basics

AARP's exclusive poll shows that to make ends meet during the economic downturn, Hispanics ages 45+ are taking drastic—and often dangerous—measures.
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Social Security Tries the Debit Card Route

The U.S. government is offering Social Security recipients a new way to receive benefits: debit cards. But they come with a price.
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Choice of a Lifetime

A will or living trust can distribute your most valuable possessions—but which is the best option for you?
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How to Ride Out a Recession

Bad signs in the economy make it easy to worry, but experts say the sky isn’t falling—yet. This is what you can do to protect yourself.
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Consumer Alert. . .
When Trouble Calls

Rosemary McDougall got an unsolicited phone call at dinnertime from a telemarketer selling automotive warranties, just one day after she had taken her car to the dealer for repairs.
more at AARP Bulletin Online>>

       
   

Everything You Need to Know About the Economic Stimulus Payments

Find out what you need to do—even if you don't normally file taxes—to receive your check from the Internal Revenue Service. Plus, we provide an online tool to request your Economic Stimulus Payment.
more at AARP.org>>

       
   

Refinance to Save Your Money…and Your Home

The paperwork’s signed—the home is your own. Now all you’ll have to do is make your monthly payments. But wait: it may not be so simple.
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AARP Tax-Aide Serves Millions

The nation’s largest free, volunteer-run tax preparation and assistance service helps millions of taxpayers every year. Can it help you?
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Consumer Alert...
Stealing Home

As foreclosure rates soar, predatory "rescue" lenders are promising 11th-hour help—then disappearing with your money, leaving you homeless.
more at AARP Bulletin Online>>

       
   

Slash Your Food Bill

Stop paying full price at the checkout line: smart tips to help you pocket a few extra dollars.
more at AARP The Magazine Online>>

       
   

Get Above Water: When You Can't Make the Mortgage Payments

Many homeowners are struggling to make their mortgage payments and too many now feel that they are drowning in debt and at risk of foreclosure. If you have that sinking feeling, there are some things that you can do to save your home.
more at AARP.org>>

       
   

Virtual Meetings With Family and Friends Overseas

With today's technology, you can call family and friends around the world for free or at low cost.
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Retirement Planner 2007

Jane Bryant Quinn says that the traditional safety nets of Social Security, pensions and personal savings are no longer enough to support us in our retirement.

Plus: How to decide when to take Social Security, the pitfalls that can snare women on the road to retirement, and a quiz to see what you know—and don't.
more on AARP Bulletin Online>>

       
   

The Pros of Travel Insurance

Travel insurance equals peace of mind, and many travelers agree: sales have tripled since September 11. Despite the cost—4 to 8 percent of the trip's total price—nearly a third of all travelers insured their vacations in 2006.
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A Tradition of Financial Planning

Retirement planning is a self-taught skill for most Hispanics. The Merlos are taking what they've learned and teaching not only their children, but also their grandchild, how to be financially secure.

Plus: What is your retirement strategy and how are you teaching your family good habits? Let us know on our message board.
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Save and Spend on Tax Day

Under new Internal Revenue Service guidelines, if you use direct deposit for your refund, you can divide it among up to three checking and savings accounts.
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Thinking Long-Term

Americans 45-plus think they know the costs of long-term care services, and long-term care insurance can provide security for a rainy day. But can you afford it?

Online Extra:  Average Daily Cost for Nursing Home Care by State
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Banking on Hispanics

Hispanic-owned banks offer greater cultural sensitivity and customized products and services. Knowing what they offer can help you get the best service from a bank in your community.
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Put Your Retirement on Remote Control

With target-date lifecycle funds, you make just one decison: when you want to retire. The fund company does the rest.
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Callers Beware

Hispanics spend more time on their cell phone than their non-Hispanic counterparts. As companies roll out cell phone plans with bells and whistles designed to capitalize on this statistic, choosing a plan carefully becomes even more important.
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It Pays to Be Frugal

Trying to save extra money for retirement, education, vacations, or something fun? Use our tips and find, in everyday places, extra cash to stash.

Plus: Use our debt-reduction planner and look forward to a healthy financial future.
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Saving Graces

Many credit card companies are introducing savings programs that use your credit purchases to help build your bank account.
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Special Report: Building Financial Security

Learn simple steps from some of the most trusted voices in personal finance to reach financial security at 50, 60, 70, and beyond.

Web Exclusive: AARP Segunda Juventud Online puts the power in your hands:
» New Retirement Calculator

» New
Debt Reduction Planner
» New Asset Allocation Calculator
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Family First: Life Insurance

Simplify the maze of information on life insurance. It isn't for you; it's for the people who rely on your income and who will continue to need your help when you're gone.
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FanTAXstic tips

That hefty tax refund you may be looking forward to might seem like a windfall, but it comes at a price.
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The Gift of Giving

Helpful and simple ways to keep to a budget and share in the gift-giving during this holiday season.
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  Reverse Mortgages  

Building Blocks: A Look at Reverse Mortgages

Find out how to use the equity in your home to help clear your debt, pay for your grandchildren's education, or help with your everyday expenses.
more>>

Plus: Use our Web-exclusive reverse mortgage calculator to find out how much you could borrow.
more on AARP.org>>

       
  Stash the Cash. Illustration: Anthony Freda  

Stash the Cash

Does it matter which investments you put into your tax-deferred retirement account and which go into your taxable brokerage or savings bank account? You bet! It mattered under old tax laws, and it still matters under the new ones. Here’s what you need to know.
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  Long-Term Care: When the Quality of Life Carries a Price - Illustration: Walter Vasconcelos  

Long-Term Care: When the Quality of Life Carries a Price

Historically, the Hispanic community has taken care of their elders but that is beginning to change. Follow these tips to help you make some smart financial decisions early in the process. Plus, find out how Puerto Rico is trying to provide sufficient services to a rapidly aging population as it faces an impending long-term care crisis.
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  Money Doctors - Illustration: Jon Cannell  

Money Doctors

Protect yourself - and your money - with these guidelines for finding a competent financial planner.
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  Catch the Rates!  

Catch the Rates!

Today's low interest rates might be bad news for some retirees but a gift from heaven for others.
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  Your Money and Your Future  

Your Money and Your Future

If you are one of those people who gets to the end of the week and cannot account for where all the money has gone - you know who you are - then read on, this AARP program may be just what you are looking for.
more>>

       
  Will Power  

Will Power

Our guide to estate planning: seven vital steps to protect your family's future.
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  Drowning in Plastic Debt  

Drowning in Plastic Debt

Some people may find themselves buried in debt before they have had the opportunity to learn how the system works and how to build a good credit record. Read on and learn how to avoid being seduced by easy credit.
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  Unlocking the Door to Your Own Home  

Unlocking the Door to Your Own Home

More and more Hispanics can now buy their own homes, but they still have obstacles to overcome, like high prices and a lack of information in their own language.
more>>

       

 
 
 





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