Retirement

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  • A Preference on ‘Preferences’?

    Data "Points"
    20 Jun 2015 | 7:00 pm
    A research paper finds that introducing a Roth 401(k) option doesn’t have much impact on current plan savings rates — but what does that have to do with their preference for tax preferences?Well, according to “Does Front-Loading Taxation Increase Savings? Evidence from Roth 401(k) Introductions,” governments could actually increase private savings by taxing savings up front, rather than in retirement. This conclusion basically suggests that taking away the current 401(k) pre-tax contribution and replacing it with a Roth assumption would not only not decrease, but it might actually…
  • June’s Online Class – The Key to Retirement Success for Women

    Sensible Money - Scottsdale Financial Advisors
    Dana Anspach
    3 Jun 2015 | 7:11 pm
    You can click on photo above to register. In this free online retirement class we’re going to discuss the retirement risks that women face to a greater degree than men do. We also find that some women can be intimidated by financial terms, so we will be covering some basics such as what is a stock, what is a bond, and how mutual funds work. Then we’ll dive into subjects pertaining to how long your money lasts in retirement and how you go about planning for withdrawals as you near that phase of life. Additional Topics We’ll Cover Social Security for women Facing retirement alone Ways…
  • Paul Moulton…Photo Magic All The Way To The White House!

    Brunswick Plantation Living
    Bev
    25 Jun 2015 | 4:47 pm
    Brunswick Plantation and Golf Resort ® is Home to many Fun and Fascinating Folks! People come here from all over the Untied States and Canada, as well as Countries Overseas! They enrich each other with their personal stories & Love of … Continue reading → The post Paul Moulton…Photo Magic All The Way To The White House! appeared first on Brunswick Plantation Living.
  • Golden Years

    Retirement And Good Living
    Bonnie Friedman
    15 Jun 2015 | 7:59 am
    “This isn’t what I thought my golden years would be.” My father’s words echoed in a time-lapse soundtrack that played back regularly in the recesses of my memory. He was a self-made, hardworking man, not given to complaining or griping, even when he had good cause. So his oft-repeated remorse about his disappointing golden years ...more
  • Upcycling: Turning waste into goods

    Early Retirement Extreme
    Jacob
    30 Jun 2015 | 10:35 pm
    Among other things, I spent today making two self-watering plant pots. In doing so I simultaneously solved two other problems, namely The problem of empty 2L soda bottles that need to be stored and eventually taken to the recycling center. The problem of having too many t-shirts thanks to participating in events, promotional t-shirts from ordering stuff, etc. which in turn have to be taken to a donation container (very hard to find in California). These two problems can be solved by turning them into self-watering plant containers. This solves the additional problem of remembering to water…
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    Data "Points"

  • A Preference on ‘Preferences’?

    20 Jun 2015 | 7:00 pm
    A research paper finds that introducing a Roth 401(k) option doesn’t have much impact on current plan savings rates — but what does that have to do with their preference for tax preferences?Well, according to “Does Front-Loading Taxation Increase Savings? Evidence from Roth 401(k) Introductions,” governments could actually increase private savings by taxing savings up front, rather than in retirement. This conclusion basically suggests that taking away the current 401(k) pre-tax contribution and replacing it with a Roth assumption would not only not decrease, but it might actually…
  • 5 Things You Need to Know About Retirement Readiness

    13 Jun 2015 | 8:02 am
    Recently the Government Accountability Office (GAO) released a report titled with its conclusion: “Most Households Approaching Retirement Have Low Savings.” The title was no surprise — though the definitions of “most” and “low” bear further understanding.The GAO Analysis The GAO based most of its conclusions on findings from the 2013 Survey of Consumer Finance (SCF), conducted by the Federal Reserve every three years. It is a reputable and well-regarded source of consumer information, drawn from a sampling of about 6,000 households (different ones every cycle). That said,…
  • 7 Common Retirement Plan Mistakes

    6 Jun 2015 | 5:54 am
    The headlines are all about revenue-sharing, conflicts of interest and statutes of limitation — but the things that are likely to get plans and plan sponsors in trouble are a lot more mundane.Here are seven that are more likely to gum up the works for your average plan sponsor. 1. Not following the terms of the plan document regarding the administration of loan provisions (maximum amounts, repayment schedules, etc.) or hardship withdrawals.Plan documents routinely provide that hardship distributions can only be obtained for certain very specific reasons, and that participants first avail…
  • 5 Investment Committee Lessons Learned From Tibble

    30 May 2015 | 5:24 am
    Two things have been overlooked by many people in the days leading up to the Supreme Court’s decision in Tibble v. Edison International and the weeks thereafter: (1) most of the wrongs1 initially alleged did not survive the judgment of the district court; and (2) only a single issue — the determination as to how to apply ERISA’s statute of limitations to fund selection — was before the nation’s highest court.While the Supreme Court rejected the notion that an initial fund review was sufficient in the absence of significant changes in circumstance to preclude the need for an ongoing…
  • 3 Things You Should Know About Automatic Enrollment

    23 May 2015 | 4:00 am
    One of the most celebrated plan design features of the 401(k) era is automatic enrollment. Nearly as old as the 401(k) itself, once upon a time it was called a “negative election.” But regardless of the name, the concept has been extraordinarily effective at not only getting, but keeping, workers saving via their workplace retirement plans.However, adoption of the design, after a surge in the wake of the passage of the Pension Protection Act of 2006, now seems to have plateaued. Moreover, current data suggests that, while automatic enrollment adoption has certainly had a positive impact…
 
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    Sensible Money - Scottsdale Financial Advisors

  • June’s Online Class – The Key to Retirement Success for Women

    Dana Anspach
    3 Jun 2015 | 7:11 pm
    You can click on photo above to register. In this free online retirement class we’re going to discuss the retirement risks that women face to a greater degree than men do. We also find that some women can be intimidated by financial terms, so we will be covering some basics such as what is a stock, what is a bond, and how mutual funds work. Then we’ll dive into subjects pertaining to how long your money lasts in retirement and how you go about planning for withdrawals as you near that phase of life. Additional Topics We’ll Cover Social Security for women Facing retirement alone Ways…
  • What is Risk? – Investment Sense April 2015

    Dana Anspach
    20 Apr 2015 | 3:28 pm
    Index Returns Through 3-31-15 In the investment world risk is most often defined in statistical terms as something called “standard deviation”. In laymen’s terms we call this volatility; the measurement of the ups and downs of the market, an entire portfolio, or an individual investment such as a mutual fund or stock. Most often standard deviation is measured as volatility experienced over a one year time frame. For the average person saving for retirement, or already retired, this standard deviation measure of risk over one year has little, if anything, to do with their financial…
  • May’s Online Class: The Key to Retirement Success

    Dana Anspach
    23 Mar 2015 | 11:42 pm
    The Key to Retirement Success – Click pic above to register. In this free online retirement class we’re going to discuss the retirement risks that you can’t control such as longevity, market returns, inflation, the economy, and how they affect how much money you will need in retirement. Then we’re going to show you how you can adjust the items you can control, such as spending, tax management, investment risk, and your retirement date, to maintain a stable life-long standard of living. This class will be live. It will run about one hour followed by questions and answers. It will…
  • Investment Sense – Feb 2015 – Diverging Returns

    Dana Anspach
    3 Feb 2015 | 7:32 am
    Index Returns Through 12-31-14 This month we want to provide a quick snapshot of 2014 results and talk about how things are shaping up as we begin 2015. Diverging Returns In 2014, while U.S. equity returns were high relative to those of other regional markets, returns within various U.S. market segments diverged. U.S. large cap stocks significantly outperformed small cap stocks. In addition, for the third year in a row the U.S. large cap market avoided a 10% market correction (which historically on average occurs about every 8 months). This unbroken streak of positive U.S. large cap…
  • Investment Sense – 2014 Year-End Edition

    Dana Anspach
    3 Dec 2014 | 11:33 am
    Different parts of “the market” do not always deliver the same results. To share our approach on portfolios and the current investment climate, we thought we’d present this edition of Investment Sense in a Question & Answer format, reflecting some of the questions our clients have asked recently. Q. I have not been watching our accounts real closely but I did notice something that seems very strange to me. In early September the DOW was around 17300. Later in September and October the DOW dropped to about 16000 and the account dropped accordingly. Today the Dow is at 17800…
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    Brunswick Plantation Living

  • Paul Moulton…Photo Magic All The Way To The White House!

    Bev
    25 Jun 2015 | 4:47 pm
    Brunswick Plantation and Golf Resort ® is Home to many Fun and Fascinating Folks! People come here from all over the Untied States and Canada, as well as Countries Overseas! They enrich each other with their personal stories & Love of … Continue reading → The post Paul Moulton…Photo Magic All The Way To The White House! appeared first on Brunswick Plantation Living.
  • Coastal Living News and Events 6.15

    Bev
    15 Jun 2015 | 1:35 pm
    Brunswick Plantation and Golf Resort ® is the Ideal Place for Fun for All ages! Brunswick Plantation is in Calabash, North Carolina…Just 3 miles from the state line to Little River & N. Myrtle Beach, South Carolina. Waterfront areas all … Continue reading → The post Coastal Living News and Events 6.15 appeared first on Brunswick Plantation Living.
  • Golf News from the Pro 6.15 by Brunswick Plantation Living

    admin
    15 Jun 2015 | 3:23 am
    Hello to All: June is here and with it comes warm temps and higher humidity.  Be sure to drink plenty of water before you play and during your round.  By doing this you will defend yourself against cramping, heat exhaustion … Continue reading → The post Golf News from the Pro 6.15 by Brunswick Plantation Living appeared first on Brunswick Plantation Living.
  • Brunswick Plantation News and Events 6.15

    Bev
    15 Jun 2015 | 3:13 am
    Brunswick Plantation and Golf Resort ®, our vibrant, gated golf community is coastal Carolina is always brimming with activity! The summer, as usual, has a variety of opportunities to…Have Fun & Enjoy the Sun with our Friends and Neighbors! Choose … Continue reading → The post Brunswick Plantation News and Events 6.15 appeared first on Brunswick Plantation Living.
  • Meet “All the Single Ladies”…Dorothea Benton Frank

    Bev
    11 Jun 2015 | 6:30 am
    Dorothea Benton Frank is a New York Times bestselling author. Ms. Frank is revealing  her latest book “All the Single Ladies” on a Book Tour…Which Opened at Silver Coast Winery in Ocean Isle , NC on Monday, June 8th with … Continue reading → The post Meet “All the Single Ladies”…Dorothea Benton Frank appeared first on Brunswick Plantation Living.
 
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    Retirement And Good Living

  • Golden Years

    Bonnie Friedman
    15 Jun 2015 | 7:59 am
    “This isn’t what I thought my golden years would be.” My father’s words echoed in a time-lapse soundtrack that played back regularly in the recesses of my memory. He was a self-made, hardworking man, not given to complaining or griping, even when he had good cause. So his oft-repeated remorse about his disappointing golden years ...more
  • Becoming An Artist In Retirement

    Esther Ritz
    7 Jun 2015 | 5:18 am
    As a child I was given art lessons by my parents and lots of encouragement too. I remember vividly when they took me to see modern art at the museums in New York. When I was about 10 years old, they took me to an art supply store in Greenwich Village and bought me a ...more
  • The Class of 2015

    Len Schritter
    4 Jun 2015 | 4:40 am
    We walked through the busy parking lot following the rest of the crowd. It was a warm evening and the sun was setting on the other side of the arena which loomed in front of us. Snippets of conversation could be heard as we walked quickly with the throng. It was a joyful night. Everyone ...more
  • Aging Dynamically

    Kathy Merlino
    30 May 2015 | 4:41 am
    Growing up on the shore, we sometimes went to an inlet from the sea with an old bulkhead. As the tide went out, we searched for crabs clinging to the decaying wood. Back home in my parents’ kitchen, my younger brother and I played with the crabs on the floor as my mother boiled a ...more
  • Choosing Where to Spend Your Retirement Years

    Dr. Sara Zeff Geber
    23 May 2015 | 4:39 am
    The ocean? The mountains? Downsize? Upsize? Near the grandkids? With other retirees? Seek peace, quiet and solitude? Get closer to the action? So many choices are now available to those with the freedom to move anywhere they like – or nowhere at all. How should you make this huge decision?   First of all, it’s ...more
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    Early Retirement Extreme

  • Upcycling: Turning waste into goods

    Jacob
    30 Jun 2015 | 10:35 pm
    Among other things, I spent today making two self-watering plant pots. In doing so I simultaneously solved two other problems, namely The problem of empty 2L soda bottles that need to be stored and eventually taken to the recycling center. The problem of having too many t-shirts thanks to participating in events, promotional t-shirts from ordering stuff, etc. which in turn have to be taken to a donation container (very hard to find in California). These two problems can be solved by turning them into self-watering plant containers. This solves the additional problem of remembering to water…
  • What people ought to know about the different kinds of personal finance blogs

    Jacob
    30 Jun 2015 | 10:34 am
    Personal finance blogs primarily fall in three major categories. First, there are the “getting out of debt” blogs. Second, there are the “just got out of college” personal finance blogs. Third, there are the “career track” personal finance blogs. Of course there are more categories such as retirement blogs or I-won-the-lottery blogs, but these are the biggest. Drawn below is a graph depicting this triad. The x-axis shows spending. The y-axis shows earning. The diagonal line shows where earnings are equal to spending. Those who are in debt have been spending…
  • The Drake equation of personal finance

    Jacob
    29 Jun 2015 | 10:32 pm
    In trying to change people’s behavior when it comes to personal finance, I have come to believe that it is not so much for the lack of “great posts” or wonderful insights as much as it is a question about the right person reading the right post at the right moment in time. In exobiology there’s an equation used to estimate the number the advanced civilizations in the galaxy. (Our galaxy is the only one of relevance… the nearest other galaxy is 2 billion light years away. In between galaxies, there’s mostly a whole lot of “empty” which excludes…
  • How to get a solid desk for free (this opportunity doesn’t last)

    Jacob
    29 Jun 2015 | 10:32 am
    When it comes to consumer durables, I rarely pay retail. These days stuff is generally well made (lasts for years), yet people have a desire to buy things as if they were going out of style — well, maybe they are, I wouldn’t know — so I prefer to pick through people’s overflowing garages and get things significantly reduced or even for free. We got our old desk in the way that many grad students acquire their furniture. The inhabitants of university departments, grad students, postdocs, and professors, tend to recycle furniture internally. People who are leaving either…
  • Are we blogging the wrong way?

    Jacob
    28 Jun 2015 | 10:30 pm
    Some strategies for discovering things that go unnoticed would involve ignoring the “junk mail” and go to the (usually smaller) shops in the side streets. These often offer better deals because they do not sell low margin junk and compensate for it by volume and advertising like the mass stores. Yesterday I alluded to the fact that search engines may have begun to suffer from the same problem by ranking according to popularity or by being gamed by specific writing styles (aka “marketing” in the real world). In other words, search engines show the main streets, first…
 
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    Retirement: A Full-Time Job

  • Keeping Fia

    Retired Syd
    25 Jun 2015 | 10:07 pm
    Ok, so here’s the part of the Fia story that makes me sad. After we returned home from Las Vegas, Fia’s mommy emailed me to ask if Fia was with us—Fia hadn’t been home the whole time we were gone!  She was worried about Fia and now I was worried too.  I told her we had been out of town; I just assumed she would go back home if we weren’t here.  Now I know many of us animal lovers ascribe human emotions to our pets, and perhaps this never entered her little cat brain.  But I was not only worried about where she had slept and eaten that week, I was also worried that she felt like…
  • Meeting Fia

    Retired Syd
    23 Jun 2015 | 9:51 pm
    Our back yard seems to attract a lot of cats.  They lounge around in the sun mostly, but we had seen many of the kitties drinking the sprinkler water that pools along the bottom edge of our barbeque cover.  So I started leaving a bowl of water out for our feline visitors. Always, the cats ran if I went out to try and pet them.  Not Fia.  She came right up to our sliding glass door to introduce herself.  And when I opened the door, she didn’t flee—she came right in and made herself comfortable on our breakfast table next to our computers. We became accostomed to her visits, she spent…
  • The Dog-Free Retirement (or Becoming Cat Parents--Part One)

    Retired Syd
    23 Jun 2015 | 3:22 pm
    After our dog Murphy died, we decided to take a break from pets for a while.  Once I retired, we relished the ability to travel spontaneously--and for long stretches of time--without worrying about a canine companion back home.  We figured it would be a very long time until we got another dog. I admit, our decision to wait was also impacted by the fact that we were a little bit scarred from the experience of being Beagle parents.  Beagles are not for beginners. Things that Murphy ate: Fruit (including pits) dropped from our plum tree, My dad’s $300 glasses, L’Oreal Spice #860 lipstick,…
  • Picturing Retirement: Meet Fia

    Retired Syd
    15 May 2015 | 7:52 am
    Photo Friday:  I know I said wouldn't get another dog for a long time.  At least until our traveling days wound down.  I'm a dog person, I never even considered getting a cat.  But here we are, with a kitty now.  I wouldn't say I got a cat so much as I'd say the cat decided she wanted to live here, and who am I do deny her what she wants? Next week I'll share the story of how Fia made her way into our home and our hearts. Related Posts: Picturing Retirement:  Coco-sitting     Picturing Retirement:  Quality Time     Picturing Retirement:  Enjoying Other People's Pets Can’t keep…
  • Why the Apple Watch is for Me

    Retired Syd
    13 May 2015 | 11:58 am
    I have been so entertained lately reading how much people who don’t have the new Apple Watch hate it.  The best one was watching Harris Faulkner’s show on the Fox New Network this weekend.  (First, a disclaimer that I don’t watch Fox “News” because I like it.  I hate-watch it because I’m a masochist.)  You would think a news organization could at least get the price right.  But after their review of several smart watches, they deemed Apple’s watch not worth its $650 starting-price tag.  I wonder if they would have thought it was worth it if they got the price right at…
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    Oblivious Investor

  • Social Security for Same-Sex Couples

    Mike
    29 Jun 2015 | 5:00 am
    As you have surely heard, on Friday, the Supreme Court ruled that, “the Fourteenth Amendment requires a State to license a marriage between two people of the same sex and to recognize a marriage between two people of the same sex when their marriage was lawfully licensed and performed out-of-State.” The following articles do a good job of briefly summarizing the overall personal finance impacts: What the Same-Sex Marriage Ruling Means for Couples’ Finances from Kerri Anne Renzulli Same-Sex Marriage is Legal. Here’s What It Means for Couples from Katie Lobosco But I…
  • Investing Blog Roundup: Affordable Care Act Subsidies Are Here to Stay

    Mike
    26 Jun 2015 | 5:00 am
    The big personal finance news this week is that the Supreme Court ruled in favor of the federal government in King v. Burwell. The issue being decided was whether taxpayers in states that declined to establish their own health insurance exchanges could receive premium subsidies. The Court definitively ruled that, yes, they can. Adam Liptak of the New York Times has a good summary of the issues and ruling, and The full opinion can be found here. Investing Articles Socially Responsible Investing: Worth the Price? from Darrow Kirkpatrick 529 Plan Deduct and Run from The Finance Buff Richard…
  • How Does Income or Education Level Affect Social Security/Retirement Planning?

    Mike
    22 Jun 2015 | 5:00 am
    A recent paper published by the Center for Retirement Research at Boston College (authored by Barry P. Bosworth, Gary Burtless, and Kan Zhang of The Brookings Institution) looks at how mortality rates are affected by socioeconomic status. As the authors put it, “A large empirical literature has established that there are significant differences in life expectancy between people with high and low socioeconomic status as measured by indicators such as income and educational attainment.” For example, if we look at women age 50-74, for those with a college degree, the mortality rate…
  • Investing Blog Roundup: Assume Your SSN Has Been Stolen

    Mike
    19 Jun 2015 | 5:00 am
    Financial fraud/identity theft is an ever-growing problem, and it has the potential to cause you both financial losses and a heck of a lot of hassle. This week, Dirk Cotton has good advice for how to minimize your risk: Assume Your SSN Has Already Been Stolen from Dirk Cotton Investing Articles What You Can Do About a Lousy 401(k) from Jason Stipp and Christine Benz Safe Withdrawal Rates for Retirement and the Trinity Study from Wade Pfau Financial Advisor Exposes His Own Portfolio from Allan Roth Asset Allocation in Pyramid Form from Monevator 5 Dumbest Investing Bets from Allan Roth Other…
  • What to Do When Index Funds Are More Expensive

    Mike
    15 Jun 2015 | 5:00 am
    A reader writes in, asking: “The problem my husband and I have encountered is that the index funds in his work retirement plan have high expenses, around 1%. The gap between index and non-index is small or non-existent for some asset categories. When confronted with such a situation, should you still go for the index fund, or is the non-index fund worth considering? What if the non-index fund is actually a little less expensive than the index fund, as is the case for one of our asset categories?” My primary reason for (usually) preferring index funds is that: There’s been…
 
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    Getting Your Financial Ducks In A Row

  • Have You Saved Enough for Retirement?

    jim@blankenshipfinancial.com (Jim Blankenship)
    29 Jun 2015 | 5:36 am
    One of the reasons that retirement funding is a mystery to most folks is the uncertainty that comes with trying to determine how much is enough – enough savings set aside so that we don’t run out of money during retirement. The answer to this question begins with an understanding of your day-to-day living expenses, and how those expenses may change in retirement. This is a simple enough process, although it does take some effort. The difficult part is to determine what the funding requirement is in order to provide the income you’ll need to cover your living expenses – for as much as…
  • How to Invest

    jim@blankenshipfinancial.com (Jim Blankenship)
    26 Jun 2015 | 5:00 am
    Photo courtesy of sraskie Occasionally, someone will ask me a question in the following different ways: “Did you see what the market did today?” or “How did the market do today?” To be honest, I’d love to use the line that Charley Ellis has used from the movie Gone with the Wind; “Frankly my dear, I don’t give a damn.” Professionally, my response is more in line with “I couldn’t tell you.” or “I don’t follow the market really.” The response is not meant to be rude or abrupt, but more to simply say that for most investors (myself included); they shouldn’t be…
  • Delayed Retirement Credits for Social Security

    jim@blankenshipfinancial.com (Jim Blankenship)
    24 Jun 2015 | 5:11 am
    When you delay filing for your Social Security retirement benefit until after your Full Retirement Age (FRA), your future benefit increases due to a factor known as Delayed Retirement Credits, or DRCs. These credits accrue at the rate of 2/3% for each month of delay, which equates to 8% for every full year of delay. It’s important to know a few facts about DRCs. For one – the delayed retirement credits are accumulative, not compounding. If your Full Retirement Age is 66 (if you were born between 1943 and 1954), you can accrue a full 32% in DRCs. This means that the amount of benefit that…
  • The Second Most Important Factor to Investing Success

    jim@blankenshipfinancial.com (Jim Blankenship)
    22 Jun 2015 | 5:26 am
    Photo courtesy of Padurariu Alexandru via Unsplash.com. On these very pages not too long ago, I pointed out the most important factor to achieving investing success, which is consistent accumulation. The second most important factor? Asset allocation. Asset allocation is the process of dividing your investment “pile” into various different types of investments in an effort to maximize your exposure to the unique benefits of each type of asset class – while at the same time utilizing the risk as efficiently as possible. When it comes to asset allocation, there are two primary factors…
  • Perspective

    jim@blankenshipfinancial.com (Jim Blankenship)
    19 Jun 2015 | 5:00 am
    A number of years ago while in my garden I was tending to my raspberry patch. It had been a long winter and I feared that many had not survived the cold Wisconsin winter. In the spring, the vigorous plants shot through the soil and in just a few months I had a glorious stand of robust plants. To my chagrin, the tall, leafy canes were lacking berries. I didn’t even see any flowers blossoming. For two weeks I would go out and check the patch to see if there were any signs of blossoms or berries and each time I went out, I can back in to the house disappointed. Had something happened? I began…
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    Personalincome.org

  • Home Storage Gold IRA: Is It Really Legal to Store Gold in Your Home?

    Donny Gamble
    22 Jun 2015 | 8:14 pm
    Today, it seems that more eager investors than ever before have begun to enter the fray of the modern-day gold rush, resulting in a number of crucial questions about best practices. For example, some people are spending all of their time wondering where they should buy gold – whereas others are recognizing the concerns around how precious metals should be stored. The great thing about a gold investment, is that precious metals will always have value – even if prices seem to rise and dip during the time you have your investment. Most experts suggest that it’s a good idea to…
  • Millionaire Todd Tresidder Reveals The Process of Investing

    Sarah Li Cain
    15 Jun 2015 | 6:06 am
    Take a hard look at your money. Are you making enough from your investments? Do you wish you could earn just a little bit more? If you do (don’t we all?), then it’s most likely because you’ve been investing all wrong. According to Stastica, the recent recession had 60% of people saying they might have to delay retirement due to losses in their investments. What’s even more shocking is that even though Americans have investments, 35% of people over 65 years old still have to rely on Social Security as their main source of income. Need more proof?  For people who started working at 25,…
  • Bitcoin IRA: How to Put Bitcoins in Your Retirement Account

    Kevin Mercadante
    19 May 2015 | 7:49 am
    Bitcoin has been gaining traction in the investment universe in recent years, so it’s only natural that it will be considered a candidate for inclusion in an IRA account. How common is Bitcoin in IRAs? Not very. Yes, you can hold Bitcoin in an IRA, buy you may have to make a number of special provisions in order to do so. Is Bitcoin a Permitted IRA Asset? IRS guidelines on IRA investments are at least a little bit fuzzy in regard to Bitcoin, not the least of which since it’s something close to a standalone asset. Current guidelines permit all but the following asset types to be included…
  • 7 Tax Tips Every Small Business Owner Must Follow

    Chris Bibey
    12 May 2015 | 8:49 am
    As a small business owner, you will have a lot on your plate at all times. In addition to your regular work, you must keep a solid grasp on your tax situation. One mistake, no matter how big or small it may appear, can cause you a lot of trouble. Small business owners can benefit from following these seven tax tips: #1. Hire professional help Even if you don’t have the money to hire a full-time finance professional, you can still work closely with a CPA. There is no replacement for having a knowledgeable CPA on your team. This person can answer your questions, take care of all your filings,…
  • Securities Crowdfunding: Is it the future for funding startups?

    Miranda Marquit
    5 May 2015 | 7:34 am
    When most of us think of crowdfunding, we think of sites like Kickstarter and Indiegogo. Businesses and artists can use these sites to raise funds for their projects. As an investor, these types of crowdfunding campaigns aren’t very useful in terms of ROI. Typically, you pledge a set amount of money, and you are provided a “gift” in exchange. If you fund a business startup, you are likely to receive a version of the product as your gift; you don’t receive a stake in the company. That is changing now as securities crowdfunding picks up steam. Back in 2010, Congress…
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  • Norming Behavior

    Gardner Sherrill
    22 Jun 2015 | 9:11 am
    Ip! Ip! OORAY! Greg Ip, Chief Economics Commentator at The Wall Street Journal, was blogging about business cycles. He wrote, “After a perplexing start to the year, the economy is starting to make sense…[Recently released data] has begun to help solve three puzzles that have hung over the U.S. and global economies in the last […] The post Norming Behavior appeared first on Florida Retirement Plan.
  • Liquidity and the Perfect Portfolio

    Gardner Sherrill
    16 Jun 2015 | 1:37 pm
    ​ Published in Bradenton Herald: June 16, 2015 By GARDNER SHERRILL  |Investor’s Column […] The post Liquidity and the Perfect Portfolio appeared first on Florida Retirement Plan.
  • Interest Rate Predictions

    Gardner Sherrill
    15 Jun 2015 | 2:11 pm
    and the survey says… September! The Wall Street Journal has been out on the street asking economists when they think the Federal Reserve is likely to begin increasing the Fed funds rate. Unlike Jay Leno’s interviews with average people on the street, not one economist asked, “What’s the Fed funds rate?” Although a few diehard […] The post Interest Rate Predictions appeared first on Florida Retirement Plan.
  • Back to the Future

    Gardner Sherrill
    12 Jun 2015 | 6:24 am
    Before you know it – thanks to smart phones, tablets, and wireless technology – your home will be connected to the Internet of Things. Sure, home automation costs a few shekels, but just imagine it! You could be the envy of Jane Jetson, receiving text messages from your slow cooker, giving voice commands to water […] The post Back to the Future appeared first on Florida Retirement Plan.
  • What is our Fiscal Space?

    Gardner Sherrill
    9 Jun 2015 | 11:14 am
    When a government has a lot of debt, is it better to implement an austerity plan and pay the debt down? Or, take advantage of low interest rates and invest in the country? Since the financial crisis, countries around the world have racked up a lot of debt through stimulus programs, financial bailouts, and other […] The post What is our Fiscal Space? appeared first on Florida Retirement Plan.
 
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    Redwood Advisory

  • 30 JUNE 2015 SMSF YEAR END CHECKLIST & STRATEGIES

    Ivan Filipovic
    23 Jun 2015 | 11:12 pm
    The end of the financial year is fast approaching. We will now address some of the key strategies that must be considered pre 30 June 2015. Self managed superannuation funds (“SMSF’s) are about strategy, and your strategy needs to be compliant with Superannuation Law. A sound SMSF strategy will ensure you achieve the maximum tax benefits for your fund and will improve your retirement balance in the long run. We have identified key strategies and compliance considerations for your in preparation for 30 June. 1. Contributions Be sure to take advantage of concessional contributions before 30…
  • SMSF Loans & Borrowing Checklist

    Ivan Filipovic
    21 Jun 2015 | 4:52 pm
    Redwood Home Loans and Redwood Advisory SMSF Specialists will guide you through the SMSF Loans process from SMSF Set-up to settlement to ensure there are no surprises. After all – SMSFs are supposed to be fun. Below we describe the steps taken to ensure a smooth SMSF Loan process. 1. Your SMSF must be established before your purchase a property or apply for a loan Before you apply for a loan or sign a contract of sale for the purchase of property, Redwood Advisory will establish the SMSF before SMSF property purchase date. 2. The SMSF Trust Deed must be compliant It is important that your…
  • A Beginner’s Guide To Buying Property

    Ivan Filipovic
    28 May 2015 | 9:09 pm
    Buying property is an exciting experience, particularly if it is your first time. But, it can also be a daunting experience particularly constant press around the property bubble. Therefore it is important to surround yourself with a property investment advisor to determine your investment strategy for financial freedom. Currently, first home buyers are presented with a booming property market and record low interest rates. Buying property can be done alone or with the help of a trusted property investment advisor to find the right property to meet you needs. In fact the first step in the…
  • Buying Your First Home: Saving For A Home Loan Deposit

    Ivan Filipovic
    13 May 2015 | 12:54 am
    With interest rates at record lows – many Australians are asking the question – “How much do I need for a deposit to purchase my first home?”. This question will then determine the amount of your loan and ultimately your borrowing power. The bigger your deposit, the smaller your loan will be and the less you’ll pay in interest. We recommend that you save as much as you can, an acceptable amount will be 20% of the property price if possible to achieve a 80% Loan to Value Ratio. If you exceed 80% you will incur Lenders Mortgage Insurance (“LMI”) which protects the lender in the…
  • What is my borrowing power?

    Ivan Filipovic
    11 May 2015 | 5:56 pm
    The first step in the journey to financial freedom is to approach your Redwood Home Loans Mortgage Broker to determine your borrowing power. This is important to know how much you can afford to spend on a property and repay on your home/ investment loan. By having an idea of what you can borrow, you can adjust your property search so that you only look at dwellings that are in your price range. The amount you can borrow will depend on a number of factors: Your annual income Your monthly expenses The type of loan and current interest rate Repayment type (principal or principal and interest)…
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    Innovative Advisory Group

  • Inflation Monitor – June 2015

    Kirk Chisholm
    26 Jun 2015 | 8:15 am
    Inflation Monitor – June 2015 Inflation Monitor Summary - Composite Ranking   * The Inflation Equilibrium is a quick summary for the whole data series of the inflation monitor. If you don't like statistics, this is the chart for you.   Inflation Monitor - June 2015 - Introduction It is officially summer and most markets are becoming more quiet. This is of course excluding the ongoing crisis in Greece. They must love the attention because they have been dragging out this "crisis" since 2011. Everyone involved in this mess (on both sides) has a reason to kick the can down…
  • What You Don’t Know About Renting vs Buying a Home Can Cost You Money

    Kirk Chisholm
    22 Jun 2015 | 7:29 am
    What You Don’t Know About Renting vs Buying a Home Can Cost You Money   "If you rent a home, it is an expense. When you buy a home, it is an expense. If you buy a home and rent it out to a third party, it becomes an investment. A better way to put it is that when you are renting, you rent from a landlord. When you buy a home to live in, you are renting from yourself." This is the third and last post of this series. The first post, Should You Rent or Buy a Home?, examined what factors you should consider when renting vs buying a home. The second post, What is the True Cost of…
  • What is the True Cost of Owning a Home?

    Kirk Chisholm
    10 Jun 2015 | 7:04 am
    What is the True Cost of Owning a Home?     In the prior post of this series, Should You Rent or Buy a Home?, I wrote about the pros and cons of home ownership vs renting. It is important to start here when you are considering whether to rent or buy a home. The decision of where to live should not be solely made on emotional attachment or financial considerations. It should be made up of both if you are planning on living in a home for many years. You want to love where you live. This week’s post will be focused more on the financial considerations of renting vs buying a home.
  • Inflation Monitor – May 2015

    Kirk Chisholm
    1 Jun 2015 | 7:30 am
    Inflation Monitor – May 2015 Inflation Monitor Summary - Composite Ranking * The Inflation Equilibrium is a quick summary for the whole data series of the inflation monitor. If you don't like statistics, this is the chart for you.   Inflation Monitor - May 2015 - Introduction   This month we were a bit slow getting this out due to some website upgrades. We expect that this June version of the Inflation Monitor will be out in 2 weeks so you will get a double dose of information. May was a month of mixed results. Some data is showing some signs of life with inflation, but…
  • Should You Rent or Buy a Home?

    Kirk Chisholm
    27 May 2015 | 7:30 am
    Should You Rent or Buy a Home? "But there has been also the American dream, that dream of a land in which life should be better and richer and fuller for every man, with opportunity for each according to ability or achievement. It is a difficult dream for the European upper classes to interpret adequately, and too many of us ourselves have grown weary and mistrustful of it. It is not a dream of motor cars and high wages merely, but a dream of social order in which each man and each woman shall be able to attain to the fullest stature of which they are innately capable, and be recognized by…
 
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    Now It Counts

  • How To Join The Ranks Of The New 401(k) Millionaire

    Buck Wargo
    30 Jun 2015 | 8:46 pm
    In February, Fidelity Investments told Now It Counts that the number of 401(k) millionaires stood at 70,000, double of what it was in 2012. And that trend isn’t expected to slow down with the new limits for your IRA or 401(k) plan. The average age of the 401(k) millionaire studied by Fidelity over 12 years ... The post How To Join The Ranks Of The New 401(k) Millionaire appeared first on Now It Counts.
  • IRA Balances Increase With The Rise In Contribution Limits

    Buck Wargo
    30 Jun 2015 | 10:25 am
    Following trend of 401(k) millionaires First came the emergence of the 401(k) millionaires… So it’s only natural that balances in IRA accounts are now making a steep jump. More Americans are finally starting to get it when it comes to saving for their retirement, and financial analysts say you don’t want to be left behind. ... The post IRA Balances Increase With The Rise In Contribution Limits appeared first on Now It Counts.
  • How To Become A Millionaire In The Next Five Years

    Buck Wargo
    30 Jun 2015 | 12:00 am
    Leading author gives advice and says it’s never too late. How to become a millionaire? Making it happen in the next five years doesn’t have to be a fantasy. That’s the view of Steve Siebold, 50, author of How Rich People Think. Siebold, a self-made millionaire who consults for corporate sales teams and gives speeches ... The post How To Become A Millionaire In The Next Five Years appeared first on Now It Counts.
  • Kiehl’s Has Pushed Men’s Grooming Into The Anti-Aging Arena With Major Force

    Marco Medrano
    29 Jun 2015 | 12:32 pm
    The famous line has grown up (but not old) with their committed customer base. There was a time in skincare technology when super-hydration and moisturization seemed sufficient. And the skin science beat goes on… Gentlemen, now power-packed enzyme and antioxidant-infused serums, tightening lifters, and all-over brightening for blotches and spots arenot only the new normal, ... The post Kiehl’s Has Pushed Men’s Grooming Into The Anti-Aging Arena With Major Force appeared first on Now It Counts.
  • Forget About Money – Retirement Happiness Comes From Finding Fulfillment

    Buck Wargo
    29 Jun 2015 | 12:13 pm
    “Life-long learning” can help us feel fulfilled in our later years. If you’re obsessing over your stress about retirement, then it’s time to stop, sit down, and do something about it. The best retirement plans start early. Why today? Because retirement coaches and planners say procrastination is one of the biggest obstacles people face in ... The post Forget About Money – Retirement Happiness Comes From Finding Fulfillment appeared first on Now It Counts.
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