3 in 4 Boomers May Delay Retirement

And more than three in 10 have no retirement budget

Clock and Glasses sitting on a desk; Retirement Concept

By Lee Barney – PlanAdviser – March 21, 2018

Seventy-three percent of non-retired Americans 50+ expect to delay their retirement, the non-profit NHP Foundation learned in a survey. Thirty-one percent haven’t prepared a retirement budget. Among those who have tried to figure out a retirement budget, 62% say that Social Security will comprise half or more of their monthly income; 65% have not budgeted for unforeseen health-related expenses.

Among those who have no retirement budget and plan on Social Security to provide half or more of their retirement income, 72% said they haven’t accounted for unforeseen health-related expenses.

Click to continue to article…based on REPORT

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If You Care About Your Clients …

Young Couple Talking with Agent By Anthony Iannarino – The Sales Blog – February 8, 2018

When you engaged with clients, many of them will want you to provide them with a proposal and pricing before you’ve done the work of collaborating with them to identify a solution that works. They’ll want you to make it easy on them and transact, emailing them a proposal and pricing, even when doing so doesn’t serve them. If you care about your clients, you won’t give them what they want, you’ll help them with what they need.

You need the courage to go first. You need the skillful means necessary to address what needs to be addressed. You need to care enough to do what is right, not what is easy.

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Millennials See No Comfortable Retirement

70% believe that, by the age of 80, such a thing will be a thing of the past

Group of young professionals standing in a lobby

By Anthony Iannarino – The Sales Blog – February 8, 2018

Millennials don’t share the confidence of Baby Boomers and Gen Xers that they’ll be financially better off than their parents, a Prudential Financial survey found: 88% of Millennials believe people in their 20s and 30s will need to work much longer than previous generations to retire with the same level of financial security; 70% say that’s because they’re unable to save as much as retirement planning tools recommend

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INFOGRAPHIC

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Avoiding Frauds in Sales and Marketing

Computer Hacker hiding behind laptop with some of his face showingBy Anthony Iannarino – The Sales Blog – March 16, 2018

There are those who present ideas to you as if they are truths you must follow to improve your sales. Here’s a field guide to frauds: The “This Is Dead” Fraud: those frauds who insist that some prospecting methods no longer work; The “Social Only” Fraud: those who insist that social channels produce better results than cold calling;The “Henny Penny” Fraud: those who suggest that the salesperson is irrelevant;

The “Fake News” Fraud: those who share fraudulent facts about sales that lack the smallest hint of credibility;The “Non-selling Expert” Fraud: those who offer sales advice without ever having sold. Bad ideas are infections – once you believe something is true and adjust your actions to those beliefs, the consequences of your actions follow, no matter the harm that comes to you. Avoid frauds.

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Social Security Eligibility Changes in 2018

The age for Medicare eligibility remains unchanged

Social Security Form

By Emily Brandon – U.S. News & World Report – February 15, 2018

Most Baby Boomers are eligible to claim their full Social Security benefit at age 66. However, Americans who turn 62 in 2018 must delay claiming Social Security for an additional four months in order to claim their full benefit. The full retirement age will continue to increase in two-month increments each year until it hits 67 for everyone born in 1960 or later.

Workers who wait until 66 or later to sign up for Social Security still must sign up for Medicare at 65, or maintain other health insurance to avoid Medicare late enrollment penalties. Here’s how the Social Security full retirement age is changing:

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