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The Bipartisan Budget Act, which was passed by Congress last October, includes the biggest changes to Social Security in over a decade. The new regulations are effective for 2016, so if you are retired or approaching retirement, you should be sure you understand the changes and how they could affect your retirement income. 

man stacking coins

When it comes to retirement, it seems that money can buy you some happiness—in the form of security, peace of mind, and the opportunity to travel and make the most of your free time. You spent your career building your nest egg, and your retirement years are the time to make the most of it. 

snowman made of sand

As snow starts falling in most parts of the country, who isn’t dreaming of a warm-weather getaway? You can escape to warmer weather this winter for less by following the savvy advice of travel industry insiders.

If you’re retired, you’ve got time on your side. That translates to big savings when it comes to travel.

jar of money

You probably have a vague sense that medical expenses will account for a significant portion of your budget in retirement. But, if you’re like many Americans, you may not have a good sense of exactly how much you are likely to spend on health care in later life. 

identity theft

Identity theft is a year-round problem, but it’s particularly important to safeguard your financial information during this time of year.

Little boy holding toy airplane

Travel expenses can eat up a good portion of expendable income in retirement. You may be able to shrink your vacation costs—or even take a trip for free—by taking advantage of travel rewards programs through credit cards, airlines, and hotels.

Gift bag and Santa hat

We ve all got people who make our lives easier all year long. There s the manicurist who always squeezes you into her schedule, the folks who mow the lawn and shovel the snow so you don t have to, and even the mail and delivery workers who make sure letters and packages arrive safely to your front door.

Stock Market

You have probably heard about exchange-traded funds (ETFs) in recent years, but maybe you re unsure exactly what the so-called ETFs actually are and whether they could be right for your investment portfolio. ETFs are very similar to mutual funds, in that they are made up of a basket of securities, and therefore provide diversification for investors.

Piggy Bank

Do you ever wonder what millionaires know that the rest of us don t? Experts say affluent people don t necessarily understand the stock market or real estate better than the rest of us. In fact, it s usually common sense financial decisions that build wealth. Below are eight habits millionaires tend to have in common. Try some (or all!) of them to create a more secure retirement for yourself.