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Insurance Rates at Dyman and Associates: Those with retirement plans
increasingly confident

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Insurance Rates at Dyman and Associates: Those with retirement plans
increasingly confident

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The ratio of workers who are confident they'll be able to retire comfortably rebounded this year to the highest level in seven years, according to an Employee Benefit Research Institute survey.

The 24th annual retirement confidence survey found that 55% of workers described themselves as either being "very confident" or "somewhat confident" of their ability to live comfortably during their retirement years. That compares with a combined 51% in 2013. Eighteen percent described themselves as "very confident," compared with a record low of 13% last year. Insurance Tips at Dyman and Associates

Retirement experts attributed the shift largely to greater confidence among workers with retirement investments, who benefited from a resurgent stock market in 2012 and 2013. The attitudes of those without a tie to the stock market were largely unchanged while those with significant levels of debt continued to struggle.

"Without a doubt, we enjoyed two years of very positive market performance in 2012 and 2013, and those who had savings and 401(k) balances enjoyed the benefit of those market returns," said Greg Burrows, a senior vice president for retirement and investor services at Dyman Associates Insurance Group.

The Employee Benefit Research Institute survey is the oldest of its kind and was based on January phone interviews with 1,000 workers and 501 retirees. It has a margin of error of at least ±3.5 percentage points.

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Consumer confidence still has not recovered to pre-recession levels. In 2007, 70% of those surveyed were confident of their ability to retire.

The percentage of respondents who described themselves as "not at all" confident receded to 24% this year from a record 28% in 2013. That gauge of anxious workers has worsened fairly steadily since the first year of the survey in 1993, when only 6% of respondents described themselves as "not at all" confident.

"Worker savings remain low, and only a minority appears to be taking basic steps to prepare for retirement," survey co-authors Nevin Adams and Jack VanDerhei wrote on behalf of the institute. "Increased confidence is observed almost exclusively among those with higher household income, but confidence was also found to be strongly correlated with household participation in a retirement plan."

Forty-six percent of the workers surveyed who did not have a retirement plan described themselves as "not at all" confident, compared with only 11% of those with a plan. About 24% of those with a pension, 401(k) or IRA plan described themselves as "very confident," compared with 9% of those without a plan.

The weak labor market has affected wages and benefits since the Great Recession, which began in December 2007 and ended in June 2009. The employment-to-population ratio, a measure of the percentage of Americans with jobs, was 58.8% in February. That compares with 63.3% for February 2007. The 4.5-percentage-point difference is equal to more than 14 million people.

Stagnant wages and lost jobs have left many Americans in basic survival mode. Some also are laboring to pay off sizable levels of student loan debt, which totaled more than $1.08 trillion at the end of 2013, according to the Federal Reserve. About 11.5% of student loan debt was at least 90 days overdue.

"More than half the workers in the survey indicated that managing daily expenses and the cost of living are the primary reasons they are not saving for retirement," Burrows said, noting that those who fail to save for retirement in good times are left with even fewer choices in hard times.

Workers who begin saving $3,000 a year at age 25 wind up with five times more retirement savings than those who begin at 45, according to Principal Financial Group. The Des Moines-based insurance and investment management firm had more than $483 billion of assets under management as of Dec. 31

"Fifty-eight percent of workers and 44% of retirees say they are having a problem with their level of debt," said Matt Greenwald of Greenwald & Associates, which conducted the study with the institute.

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Dyman & Associates Insurance Group of Companies: Why
Aren't We Buying Insurance Against Global Warming?

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Dyman & Associates Insurance Group of Companies: Why
Aren't We Buying Insurance Against Global Warming?

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Every responsible person carries insurance against all sorts of life's potential catastrophes. We don't think twice about buying health insurance, home insurance, car insurance, life insurance, liability insurance, and it goes on and on.

From a gambler's perspective, these are all sucker bets. Insurance companies make their big bucks by tipping the actuarial odds in their favor so that they can pay off far less in reimbursements than they receive in premiums.

We are willing to richly reward insurance companies in this way because they spread the risks across a large group. The individual pays the extra price to gain security and peace of mind. Which brings us to the two life or death questions now facing our species: Why we are failing to take out an insurance policy against global warming? Can we wise up before it is too late? The risks that we are causing and will suffer from a future environmental catastrophe couldn't be clearer. Atmospheric and oceanic carbon dioxide is rising at an alarming rate. Computer models predict drastic temperature and sea level changes with increasing certainty. The population explosion and the rapid growth in per capita consumption are together befouling our atmosphere and draining irreplaceable supplies of fossil water.

And the effects of global warming are likely already upon us. Year after year of record-setting world mean temperatures. Unprecedented droughts in California. Unprecedented rains in England. Atlanta colder in January than Anchorage. Supposedly once-in-a- hundred-year weather disasters happening every few years.

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Learning Center by Dyman
and Associates Insurance Group

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Learning Center by Dyman
and Associates Insurance Group

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My Great Home

We make your life at home a little easier by our online resource for manufactured and modular home owners.

Indoors

Making it a comfortable surrounding that reflects your personality it is one of the joys of owning a home is making it your own. May it be choosing the right window actions or painting your walls, we are loaded of ideas to help you begin. We also present to you tips tin helping you put in order your home and make the most out of the space you have.

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Outdoors

If you do have a large yard that extends around your home or a cozy one in the back, either of those, you can make the most out of these ideas for your outdoor enjoyment. A green thumb is not a requirement following our easy gardening and landscaping tips.

Fix-it Guide

Upholding and mending a manufactured home vary very much from site-built homes for the reason that each type is constructed in a different way. Our widespread fix-it guide, just for manufactured home owners, goes into great detail on the many repair and preventive maintenance tasks you typically encounter.

Home Safety

DIY, very much trendy nowadays, especially at your homes and you can do it a little or no cost. But you can always turn to us to safeguard your family and property against common hazards.

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Dyman
and Associates Insurance Group: Buying & Selling

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Dyman
and Associates Insurance Group: Buying & Selling

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Dyman and Associates Insurance Group

If you decide to buy or sell a manufactured home, or if you're just seeking for more information, you'll profit from this section. Let our easy-to-follow tips help guide the way before you getting overwhelmed by all you need to know to buy or sell a manufactured home.

·  Buying a New Manufactured Home

·  Buying a Pre-Owned Manufactured Home

·  Buying and Selling Resources

·  Choosing the Right Location

·  Colleen’s Chronicles: An e-Journal of a First Time Manufactured Home Buyer

·  Manufactured Home Featured Resources

·  Mortgage Calculator

·  Moving and Packing Guide

·  Parts & Supplies Resources

·  Selling a Manufactured Home

·  The Park Manager Tool Kit – A Free Guide to Make a Park Manager’s Job Easier