Retirement

  • Most Topular Stories

  • Saying “NO” to fitting in

    Early Retirement Extreme
    Jacob
    21 Dec 2014 | 11:05 am
    And now for a guest post from a writer who needs no further introduction … Okay, it’s Trish from Simple in France. I could type you a grocery list hundreds of items long detailing all that my husband and I have said ‘no’ to as we’ve cut our expenses and our time commitments. The tangibles (gadgets, toys, clothes) that we didn’t collect. The experiences (vacations, cruises, dining out) that we don’t indulge in. Looking back on the six years we spent in California, however, what we really said ‘no’ to was fitting into the consumer culture around us. Going against the…
  • How to Put the Meaning into Retirement

    Sensible Money - Scottsdale Financial Advisors
    Dana Anspach
    22 Sep 2014 | 1:34 pm
    FreeDigitalPhotos.net You have a unique opportunity in retirement. A large portion of your time is no longer needed to sustain yourself. You have true financial independence and the possibility of using your time to contribute to anything you want – whatever matters the most to you. Given that, if there was one thing and only one thing I could get you to do as you transitioned to retirement, what do you think it would be? Most of you are probably smiling thinking “She’s going to say we need to get a financial plan.” Nope, that’s not it. The one thing I would want every near…
  • "Choice" Architecture - for Plan Sponsors

    Data "Points"
    20 Dec 2014 | 3:13 am
    In recent years, the notion that the ways in which choices are presented to individuals — known as “choice architecture” — can influence their decisions, has been widely embraced.Well before the advent of the Pension Protection Act of 2006, the retirement plan industry had acknowledged the positive influences of those behavioral finance techniques on overcoming, or at least countering, certain human behaviors. Based on the evidence of several decades of adoption, we know that automatic enrollment — even with the ability to opt out — transforms voluntary participation rates of…
  • Investment Sense – 2014 Year-End Edition

    Sensible Money - Scottsdale Financial Advisors
    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…
  • Market Commentary

    FutureAdvisor Blog
    Simon Moore
    5 Dec 2014 | 5:32 pm
    US job growth showed continued strength for the week ending December 5th. In fact, job growth for November 2014 in the US was the highest for several years. As such, we believe the US economy remains robust and the S&P 500 hit further new highs as a result. In contrast, on the other side of the Atlantic, Mario Draghi of the European Central Bank does not plan to provide additional economic stimulus before 2015. This disappointed markets given European inflation (the rate at which prices rise) is running well below the Bank’s 2% target. So, as the US exceeds expectations economically…
  • add this feed to my.Alltop

    Data "Points"

  • "Choice" Architecture - for Plan Sponsors

    20 Dec 2014 | 3:13 am
    In recent years, the notion that the ways in which choices are presented to individuals — known as “choice architecture” — can influence their decisions, has been widely embraced.Well before the advent of the Pension Protection Act of 2006, the retirement plan industry had acknowledged the positive influences of those behavioral finance techniques on overcoming, or at least countering, certain human behaviors. Based on the evidence of several decades of adoption, we know that automatic enrollment — even with the ability to opt out — transforms voluntary participation rates of…
  • A Second Opinion on Self-Medicating Your 401(k)

    13 Dec 2014 | 9:19 am
    At a recent event, one of the speakers was taking our industry to task for expecting too much from participants. “We don’t expect individuals to diagnose and treat their own illness,” he said, going on to note that with 401(k)s we expect people who don’t have any knowledge or training in investments to decide how to invest those balances.Admittedly, those 401(k) investment decisions can be complicated for some — and, since it (mostly) is their money, after all, most do give individual participants the ability to decide how it will be invested. As nice as it would be if individuals…
  • First Things First

    6 Dec 2014 | 8:04 am
    This may be the time of year when thoughts turn to stockings hung by the chimney with care, but it’s also the time of year when parents have to deal with assembling some of the things in those packages. And while Santa may have elves on staff to undertake the construction of a tricycle, dollhouse or Little Tykes airplane seesaw, in our house, that "elf" was named “Dad.”A painful lesson learned over those years was the importance of following the instructions. No matter how self-evident the process appeared at the outset, or how much I thought I remembered assembling something similar in…
  • Thanks Giving - A Retirement Plan Professional's List

    25 Nov 2014 | 8:32 pm
    Thanksgiving has been called a “uniquely American” holiday, and one on which it seems fitting to reflect on all for which we should be thankful. Here’s my 2014 list:I’m thankful that retirement plan coverage and participation is up, if slightly, and that there seems to be a expanding national dialogue about how to expand that.I’m thankful that a growing number of policy makers are willing to admit that the “deferred” nature of 401(k) tax preferences are, in fact, different from the permanent forbearance of other tax preferences — even if the governmental accountants and…
  • The Cost of Living

    22 Nov 2014 | 3:43 pm
    At a recent conference, our luncheon table got to talking about savings trends and the unique challenges of Millennials, specifically the impact of graduating with so much college debt.While several at the table had graduated with (and since paid off) college debt, the sums paled in comparison to the kinds of figures bandied about in recent headlines — or did, until I loaded up an online calculator that allowed us to see what our college debt at graduation amounted to in today’s dollars. To the collective astonishment of the retirement experts at that table, the totals, adjusted for…
 
  • add this feed to my.Alltop

    Sensible Money - Scottsdale Financial Advisors

  • 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…
  • The Key to Retirement Success – Online Class – Q&A

    Dana Anspach
    21 Oct 2014 | 3:53 pm
    Key to Retirement Success – Recorded Video Class Sensible Money’s founder and MoneyOver55 Expert Dana Anspach hosted a live online retirement class in October. You can view the recorded version on YouTube at Key to Retirement Success. Below are a collection of questions that were asked by attendees. Dana has provide a written answer to each question and when applicable provided links to additional articles and resources. Questions and Answers Question: My question is what is the best way to cover the “gap” if you retire early before you are eligible for access to…
  • January’s Online Class: 10 Worst Money Moves for Near Retirees

    Dana Anspach
    10 Oct 2014 | 6:42 pm
    November’s Class: The Secret to Finding the Perfect Investment – Click pic above to register. In January’s free online retirement class we’re going to take a deeper dive into the 10 Worst Money Moves for Near Retirees as described in our free report. This is an ideal class for anyone nearing retirement. This class will be live. It will run about one hour followed by questions and answers. Dates Tuesday, January 20th, lunch time, 11 am PST/12 pm AZ and MST/1 pm CST/2 pm EST Wednesday, January 28th, evening, 5 pm PST/6 pm AZ and MST/7 CST/8 EST Registration Required…
  • How to Put the Meaning into Retirement

    Dana Anspach
    22 Sep 2014 | 1:34 pm
    FreeDigitalPhotos.net You have a unique opportunity in retirement. A large portion of your time is no longer needed to sustain yourself. You have true financial independence and the possibility of using your time to contribute to anything you want – whatever matters the most to you. Given that, if there was one thing and only one thing I could get you to do as you transitioned to retirement, what do you think it would be? Most of you are probably smiling thinking “She’s going to say we need to get a financial plan.” Nope, that’s not it. The one thing I would want every near…
  • Investment Sense – Short Term Memories

    Dana Anspach
    29 Jul 2014 | 8:43 am
    Index Returns Through June 30, 2014 The conference room was full with over 100 financial advisors in attendance. The speaker asked a simple question. What were two of the biggest items in the media in the last few years that all your clients were asking about? I guarantee many of you reading this asked us about these things – and considered moving your portfolio to cash – just in case. Can you remember? They were: Greece The Government Shutdown We fielded numerous questions about these things and spent a lot of time “talking people off the ledge” so to speak; meaning encouraging…
  • add this feed to my.Alltop

    FutureAdvisor Blog

  • Market Commentary

    Simon Moore
    5 Dec 2014 | 5:32 pm
    US job growth showed continued strength for the week ending December 5th. In fact, job growth for November 2014 in the US was the highest for several years. As such, we believe the US economy remains robust and the S&P 500 hit further new highs as a result. In contrast, on the other side of the Atlantic, Mario Draghi of the European Central Bank does not plan to provide additional economic stimulus before 2015. This disappointed markets given European inflation (the rate at which prices rise) is running well below the Bank’s 2% target. So, as the US exceeds expectations economically…
  • I’m Not Worried About Money, and That Worries Me

    E.A. Mann
    25 Nov 2014 | 3:00 am
    During dinner last week my wife said: “You know, I’m due in a month.” I wondered what she was getting at… “We haven’t even started her room yet,” she said. This was true. For our first daughter’s room, we spent hours planning and days renovating. Electricians were called. Baseboard was painted. Somehow we got the idea into our heads that some well-placed stuffed animals, fresh paint and recessed lighting would ward off the stress of having a baby. We now know how foolish that was, and this time we have no plan. I guess you could say we’re more relaxed. For parents of a…
  • Is It Possible To Spend No Money?

    E.A. Mann
    17 Nov 2014 | 5:55 am
    Last month, my wife and I challenged each other to a “no money weekend”. At first glance the rules were simple: survive from Friday night through Sunday night without opening our wallets. Of course, there were some questions to work out. Did driving count as spending money if we were going to a free event? What about gift cards – were those cool? This sums up a lot of truths about money: the concepts are simple but the implementation is…complicated. But in the end, we ironed out some rules and I’m happy to report that we met the challenge. We took our daughter to a new bike path…
  • Here’s How I Stopped Fighting About Money With My Wife

    E.A. Mann
    12 Nov 2014 | 3:00 am
    There was a time back in 2010 when my wife and I fought about money constantly. We had a full joint account and, like jealous lovers on Facebook, we found ourselves scrutinizing each other’s every move. We questioned purchases, we argued over budgets, I checked our account from work and sent terrible, passive aggressive emails (‘How was the trip to the mall? Did we need more groceries?’). Something had to change. Over our six-year relationship, we’ve tried many ways of managing our money together, and thrown many methods away. In the end, we settled on something I call the Limited…
  • Let’s Talk About Why 50,000 Vets Are Homeless Every Night

    Chris
    11 Nov 2014 | 3:00 am
    In January, the US Department of Housing and Urban Development reported that 49,993 veterans were sleeping on the street on any given night. About 840,000 vets end up without shelter at some point during the year, according to the National Coalition for Homeless Veterans, and that’s a problem. While those numbers are in decline, down a third since 2010, vets still make up a disproportionate number of America’s homeless: they constitute roughly one-tenth of the general population,  one fifth of all suicides and one quarter of all homeless. Why? While homelessness has a lot of causes…
 
  • add this feed to my.Alltop

    Brunswick Plantation Living

  • Golf News from the Pro 12.14 by Brunswick Plantation Living

    Kevin Anderson
    15 Dec 2014 | 1:00 am
    Season’s greeting’s to all member’s and property owner’s! Winter Season: Winter pro-shop hours. December 1st -February 28th. 8 am to 5 pm. Our first tee-time is 8:50 am. Member Social: For those who attended our Member Christmas social, remember to … Continue reading → The post Golf News from the Pro 12.14 by Brunswick Plantation Living appeared first on Brunswick Plantation Living.
  • Coastal Living News and Events 12.14

    Bev
    15 Dec 2014 | 1:00 am
      It’s beginning to look a Lot Like Christmas …All Along Coastal Carolina, especially around our Community at Brunswick Plantation and Golf Resort ® ! The Spectacular Christmas Lights at Clayton’s Pond inspire the Christmas Spirit when folks gather to … Continue reading → The post Coastal Living News and Events 12.14 appeared first on Brunswick Plantation Living.
  • Brunswick Plantation News and Events 12.14

    Bev
    15 Dec 2014 | 1:00 am
    Brunswick Plantation and Golf Resort ® is alive with Festive Activity for this Christmas Season!  Friends and neighbors are sharing the Joy with each other as well having events to be sure Everyone Experiences the Love of this Holiday Season … Continue reading → The post Brunswick Plantation News and Events 12.14 appeared first on Brunswick Plantation Living.
  • Christmas Theme Trees and Lights of Good Cheer !

    Bev
    11 Dec 2014 | 6:30 am
    The Christmas Season is a special time of year…A Time of Celebration and Good Cheer! Brunswick Plantation and Golf Resort ® has many ways to honor this season of Love and Giving! Located in North Carolina, just three miles from  … Continue reading → The post Christmas Theme Trees and Lights of Good Cheer ! appeared first on Brunswick Plantation Living.
  • O Christmas Tree…Dazzling Lights that Delight US!

    Bev
    4 Dec 2014 | 3:17 pm
    O Christmas Tree! O Christmas Tree! Much pleasure thou can’st give me!     How often has the Christmas tree afforded me the greatest Glee! We all enjoy the bright lights of the Christmas Tree, seen everywhere for people of all faiths … Continue reading → The post O Christmas Tree…Dazzling Lights that Delight US! appeared first on Brunswick Plantation Living.
  • add this feed to my.Alltop

    Retirement And Good Living

  • A Virtual Retirement Community

    Rick Cloud
    20 Dec 2014 | 4:46 pm
    I’m a founding member, board member and volunteer for Capital City Village (CCV) in Austin, Texas. CCV is not a place, but a virtual community helping seniors age in place successfully. This means we choose to stay in our homes and thrive, rather than having how we age decided for us.   We’re part of ...more
  • Volunteering or Voluntourism?

    Danila Mansfield
    16 Dec 2014 | 7:58 am
    Whether retired baby-boomers or gap-year kids, it seems more and more people are getting involved in international volunteering. What is it, and how do you choose which project to get involved in? Chris and I have just started on our full-time travelling career, and spend time either renting apartments in interesting places around the world, ...more
  • Go Granny Go!

    C Anderson
    14 Dec 2014 | 4:48 am
    I always thought I was a good mom. I attended every teacher/parent conference; endured freezing cold, blistering hot, and life-threatening thunderstorms just to watch soccer/baseball games; stayed up all hours of the night finishing last-minute (they said) homework projects; and did all other ups and downs a parent is supposed to do.  I adored my ...more
  • Retiring Abroad – What Does It Take?

    Donna Davis
    12 Dec 2014 | 8:08 am
    “Aruba, Jamaica, ooh I wanna take ya Bermuda, Bahama, come on pretty mama” –The Beach Boys   In conversations about retirement, moving overseas is always a hot topic. The ocean is always bluer on the other side of the equator. We all know or have heard of the wonderful places, the low cost of living, ...more
  • We Are Not Trees…It’s Okay to Move!

    Don Murray
    10 Dec 2014 | 4:11 am
    So here’s the thing! I have shallow roots. In fact, I work to maintain shallow roots. I’m pretty sure it started when I was a child; forced to move many, many times as part of a horribly dysfunctional family with two alcoholic parents. I can’t even remember how many elementary schools I attended. I think ...more
 
  • add this feed to my.Alltop

    A Satisfying Retirement - Is a Lifestyle You Choose

  • What a Grand Time: Disneyland With The Grandkids

    Bob Lowry
    21 Dec 2014 | 1:00 am
    Choosing experiences over things has been one of the basic foundations of my marriage to Betty and in raising our two daughters. We try to make family memories whenever possible.That approach has been transferred to the next generation. Our oldest daughter and her husband decided that this holiday season would not involve a fully decorated tree and piles of presents for their three kids. Rather, a four day trip to Disneyland and California Adventure Park would make memories that will last a lifetime. And, to make it even more special, one of the days would…
  • Scams and The Elderly: Signs To Watch For

    Bob Lowry
    17 Dec 2014 | 1:00 am
    A few months ago I wrote about hackers and their ability to make our life difficult. Another concern is the assault on the elderly by those perpetuating scams of various types. As is often the case the most vulnerable are the most likely targets. The folllowing information was supplied by TrueLink, a service that helps protect folks from this type of indignity. I found the list worth presenting to you.Red Flags That Your Aging Relative is Suffering from Financial Exploitation 1. Missing funds – This is the obvious one. If mom is a victim of elder financial exploitation – whether it's…
  • Sun City Festival: A Retirement Community Treats Us Well

    Bob Lowry
    13 Dec 2014 | 7:00 pm
    A major force in the retirement landscape in the Phoenix area is the Del Webb company. It is best known for Sun City, the nation's first planned retirement community that opened on January 1, 1960 in the desert west of Phoenix. Since then three more Sun City communities have opened nearby, just part of 50 communities in 21 different markets.The newest, Sun City Festival, invited Betty and me for a weekend stay in one of their villas. We were invited to use the facilities, talk with local residents, interview marketing folks, and write about our experiences for Satisfying Retirement.
  • add this feed to my.Alltop

    Early Retirement Extreme

  • First impressions count — fitting square pegs into round holes

    Jacob
    21 Dec 2014 | 11:10 pm
    I’m still amused by a comment about Early Retirement Extreme I just read on reddit. Granted reddit is the archetypical site of the “tl;dr, but have opinion anyway”. Perhaps this is why the comment was so funny. On the other hand, it also shows the challenge of this site to enlighten the public opinion to what would be the third alternative; the two others being 1) go to college, get a job, buy a house and car, fill them with stuff, spend the rest of your life working to pay them off, or 2) sell cheesy crappy e-books on the web to fund your awesome lifestyle design. (Oh, how…
  • Saying “NO” to fitting in

    Jacob
    21 Dec 2014 | 11:05 am
    And now for a guest post from a writer who needs no further introduction … Okay, it’s Trish from Simple in France. I could type you a grocery list hundreds of items long detailing all that my husband and I have said ‘no’ to as we’ve cut our expenses and our time commitments. The tangibles (gadgets, toys, clothes) that we didn’t collect. The experiences (vacations, cruises, dining out) that we don’t indulge in. Looking back on the six years we spent in California, however, what we really said ‘no’ to was fitting into the consumer culture around us. Going against the…
  • Living like a student

    Jacob
    20 Dec 2014 | 11:03 pm
    Every so often, I get the objection that ERE means that one has to live like a student. I don’t understand what was so bad about living like a student and why this objection is so common. Am I really in the minority because I liked living like a student? Each weekday my (undergraduate) student life had 4 hours of lectures (which interested me), 2 hours of homework (which I could have done without), I knew all my neighbors and we often hung out, we had a weekly game night and parties once a month. Sometimes we had movie nights and sometimes we had a spontaneous soccer match or a trip to…
  • Value infection

    Jacob
    20 Dec 2014 | 11:00 am
    Imagine being born into the world with no immune system (not far from the truth) having no idea about conventions and how things are but having a curious mind, it starts picking things up. After learning the language to describe thing, attaching values and priorities become important. Initially, you would not pay attention to what people wear and you would think that it is unimportant what they wear as long as they are not too cold or too warm. After all, you can feel the associated discomfort on your own body, so you can relate. But now you see a few clothing catalogues, and you see…
  • The life and death of a blogger

    Jacob
    19 Dec 2014 | 10:55 pm
    I just went through my RSS reader which I admit that I rarely use and noticed that many good blogs which I used to read are now defunct. Through my tenure as a blogger, I have also noticed that readers have come and gone. Perhaps the blogosphere is indeed like an eco-system where blogs live and die as bloggers run out of things to say and blog readers enter and feed of the blogs until they have learned all they can and leave again. This leaves long time bloggers, who resort to repeating themselves. I used to think that that was a bad thing, but perhaps it is justified due to the systemic…
 
  • add this feed to my.Alltop

    Retirement: A Full-Time Job

  • The Retirement Crisis

    Retired Syd
    21 Dec 2014 | 11:28 am
    (Photo Details:  Doug and Syd dressed for a 70's disco party.  Revisiting the era before the invention of the 401(k) plan.) I have read a lot of agonizing over the years about our nation’s retirement crisis.  Much of the blame is attributed to our move from mostly employer-funded defined benefit plans (pensions) to our newer, mostly self-funded 401(k) retirement system.  The burden for saving for retirement has definitely shifted to the employee since the 401(k) provisions were introduced in the late 70’s.  According to this article, back in 1979, 62% of private sector employees with…
  • Radical Retirement

    Retired Syd
    20 Dec 2014 | 10:41 am
    This guest post is written by David Downie, who was once an early retirement skeptic, but ultimately found himself retiring at the age of 38. The following is an extract from his short ebook “Radical Immediate Retirement” (available from Amazon at http://www.amazon.com/dp/B00NP4U986), which he intends to be an easy to read book designed to motivate people to look harder at their options.   Taking stock and making the hard decisions The mass of men lead lives of quiet desperation. Henry Thoreau, 1854 It is difficult to free fools from the chains they revere. Voltaire, 1694-1778 Before you…
  • Fifty is the New 28

    Retired Syd
    5 Nov 2014 | 4:52 pm
    (Photo Details:  Sydney turning 50 in Hawaii--December 2013) Ok, since we’ve already established that we retirees are at a higher risk of death from a falling injury than from Ebola, let’s do something proactive to reduce that risk.  The great thing is that anything you can do to increase your fitness level helps prevent injury from falls and helps reduce the risk of the even greater probability of heart disease. The thing is, we already know how to improve our fitness level.  We’ve got to get more exercise.  And that’s not fun for everyone.  So I’ve got some ideas on how to…
  • The Real Epidemic

    Retired Syd
    3 Nov 2014 | 10:21 am
    First, some perspective: -There have been nine cases of Ebola treated in the U.S. so far.  -In six of the nine cases, the patients contracted the virus in their line of work-- working with Ebola patients in West Africa.  -The only two to have contracted the disease in the U.S were nurses treating Thomas Duncan--the Liberian man who came to the U.S. having already been infected with the virus. -The only Ebola patient in the U.S. that has died from the virus was Mr. Duncan, who was incorrectly diagnosed when he first sought treatment at an emergency room in Dallas, and was sent home.  (It is…
  • Permission to Bail on That

    Retired Syd
    15 Oct 2014 | 8:41 pm
    Talk to any person that’s been retired for awhile and they’ll tell you they are so busy they don’t even know how they used to find time for work. But isn’t that part of the reason we wanted to retire in the first place—so we wouldn’t be so busy?  Well it was for me. I’ve got piano practice, two volunteer jobs, and friends to socialize with.  I’ve got houses to clean, gardens to garden and exercise to fit in.  I’ve got books to read, blog posts to post, and TV shows to binge watch.  And while most of these things are things I really want to do, sometimes it feels like too…
  • add this feed to my.Alltop

    Oblivious Investor

  • Investing Blog Roundup: Tax Extenders and ABLE Act

    Mike
    19 Dec 2014 | 5:00 am
    As of this week, both houses of Congress have passed the Tax Increase Prevention Act of 2014, which retroactively extends several different tax breaks that had expired at the end of 2013. (Now, they expire at the end of 2014.) Among the extended tax breaks are the exclusion for “qualified charitable distributions” from IRAs, the tuition and fees deduction, and the deduction for teacher classroom expenses. In addition, Congress passed the Achieving a Better Life Experience (ABLE) Act of 2014, which permanently creates a new type of 529 account in which people can save/invest for…
  • Is It Time to Overweight Energy Stocks?

    Mike
    15 Dec 2014 | 5:00 am
    A reader writes in, asking: “What do you think of an Energy Mutual Fund such as Vanguard’s Energy Fund for a 3-5% position within one’s stock portfolio at this time? Some investors such as Buffet have suggested that the time to invest in markets when there is “blood in the streets”, and there is crying from obvious pain.  Do you think the rapid price decline of oil and related energy stocks is a good investment through an energy fund, or should one be satisfied with the percentage of energy and related stocks through an S&P 500 fund or total market index…
  • Investing Blog Roundup: Vanguard Personal Advisor Services

    Mike
    12 Dec 2014 | 5:00 am
    I read this week that Vanguard’s new “Personal Advisor Services” program (which provides asset management, a basic financial plan, and the ability to contact a CFP with any questions for a cost of 0.3% per year) has been gathering assets more quickly than the start-up companies in the robo-advisor space. Perhaps that shouldn’t be a surprise, given Vanguard’s massive size. But it will be interesting to see how quickly the program grows once Vanguard officially takes it out of the test phase and begins marketing it more broadly. Vanguard Quintuples Assets in…
  • Why Does Everybody Recommend Complex Portfolios?

    Mike
    8 Dec 2014 | 5:00 am
    A reader writes in, asking “On the Bogleheads forum I see people recommending the ‘three fund portfolio’ with Total Stock Market, Total International Stock, and Total Bond Market funds. But I never see something this basic anywhere else. Elsewhere, I see portfolios recommended that include many more funds or articles recommending the new and improved types of index funds. What’s wrong with a normal index fund portfolio? Why doesn’t the three fund portfolio or anything similar get talked about anywhere else?” To understand this phenomenon, I think…
  • Investing Blog Roundup: Tips for Taking RMDs

    Mike
    5 Dec 2014 | 5:00 am
    With the end of the year closing in, I enjoyed seeing an article on Vanguard’s website from Maria Bruno (a CFP in their Investment Counseling & Research group) giving several good tips relating to required minimum distributions (RMDs). It’s Beginning to Look a Lot Like RMD Season from Vanguard’s Maria Bruno Investing Articles Your Bond Income Could Be an Illusion from Allan Roth Thinking About Risk In Retirement from William Bernstein Rising Glidepaths and Liability-Matching Portfolios from Wade Pfau Does the Vanguard Financial Plan Work for Small Business Owners?
  • add this feed to my.Alltop

    Getting Your Financial Ducks In A Row

  • What is a QLAC?

    jim@blankenshipfinancial.com (Jim Blankenship)
    19 Dec 2014 | 5:00 am
    In July of 2014 the IRS issued final regulations regarding the allowance of qualified longevity annuity contracts in employer sponsored plans such as 401ks, 403bs and 457b plans as well as IRAs. What it Means and What it Means to You QLAC stands for qualified longevity annuity contract. This means that a person is allowed to take up to 25% of their overall account balance but not more than $125,000 in their retirement plan and use that money as premium to fund a longevity annuity contract. Additionally, the annuitant must start the annuity by no later than the first day of the month following…
  • Qualified Charitable Distributions Extended for 2014

    jim@blankenshipfinancial.com (Jim Blankenship)
    18 Dec 2014 | 7:19 am
    With the passage of the Taxpayer Tax Increase Prevention Act of 2014, the qualified charitable distribution (QCD) from your IRA is available through the end of the year under normal rules.  This means that you can, if you’re age 70½ or older, make direct distributions from your IRA to a qualified charity or charities, not counting the distribution as income and not itemizing the charitable contribution. Post originally appeared as Qualified Charitable Distributions Extended for 2014 on Getting Your Financial Ducks In A Row The post Qualified Charitable Distributions Extended for 2014…
  • Retirement vs College Saving in a Nutshell

    jim@blankenshipfinancial.com (Jim Blankenship)
    17 Dec 2014 | 5:17 am
    Those of us who are parents know this conflict very well – should we put aside money for retirement, or for college saving? It may come as a surprise, but a general rule of thumb with regard to this conflict is to put money aside for retirement first, and college second. The reason behind this is that there are many ways to pay for college, such as grants, scholarships, work-study programs, student loans, parent loans, etc.. With this plethora of choices, it becomes clear that your student’s college funding needs can be met from quite a few angles, none of which should have a dramatic…
  • Your Year-End Bonus

    jim@blankenshipfinancial.com (Jim Blankenship)
    12 Dec 2014 | 5:00 am
    As the end of the year approaches many employers will pay and many employees will receive year-end bonuses. While often the icing on the cake for a productive year employee should be aware of the tax consequences of their bonus. Percent vs. Aggregate Method When it comes to taxing the bonus an employer may choose the percentage method versus the aggregate method. Under the aggregate or wage holding bracket method the employer will use the withholding tables generally used for the employee normal paycheck. Then, the supplemental wages are aggregated with the employee’s normal pay and taxes…
  • Making Every Month Count – Excerpt from A Social Security Owner’s Manual, 3rd Edition

    jim@blankenshipfinancial.com (Jim Blankenship)
    8 Dec 2014 | 5:35 am
    You can listen to this article by using the podcast player below if you’re on the blog; if you’re reading this via RSS, there should be a “Play Now” link just below the title to access the audio. Did you realize that even delaying a few months can have a significant impact on your Social Security benefit? This is the case for all Social Security benefits, including your own, a Spousal Benefit, or a Survivor Benefit. This applies whether you are taking the benefit before FRA or after, since your age is always calculated by the month. Increase or reduction factors are applied for each…
 
  • add this feed to my.Alltop

    Personalincome.org

  • SuperNova Elite Review – Penny Stock Trading Service

    Kevin Mercadante
    20 Dec 2014 | 8:51 am
    There are all kinds of stock picking services available, but the penny stock sector is a niche all its own. SuperNova Elite may be the newsletter that enables you to get the upper hand on this poorly understood corner the stock market. SuperNova Elite is specifically geared toward the penny stock investor. It doesn’t include coverage in other investment areas, which is a benefit to you if penny stocks are where you’d like to make your money. What is SuperNova Elite Stock Picking Service? SuperNova Elite is a newsletter founded by Jeff Williams. Before becoming a committed penny stock…
  • How to Escape Student Loan Debt Before Age 30

    Chris Bibey
    19 Dec 2014 | 5:14 am
    When you graduate college at the age of 21 (or somewhere in that range) the world is at your fingertips. You now have the knowledge you need to take on anything that comes your way. While finding a job may be your top priority, personal finances should be on your mind as well. The moment that diploma hits your hand is the moment you become a full-fledged adult. The time has come for you to take life by the horns and handle your money in a responsible manner. It is likely that your student loans won’t come due for six months, so you have some time to get your finances in order. As your job…
  • 8 Essential Business Insurance Policies for the Entrepreneur

    Miranda Marquit
    17 Dec 2014 | 7:19 am
    When you have a business, you are responsible for your own fate, and the fate of your business. As part of your efforts to protect your assets — including your business assets — it makes sense to purchase insurance. Here are 8 business insurance policies that you should have if you want to make sure that your business is properly protected: 1. General Liability Insurance One of the most important types of business insurance to have as an entrepreneur is general liability insurance. This type of insurance is designed to protect you in the event that bodily injury, or property…
  • Claim Your Freedom by Saying ‘No’ to Debt

    Holly Johnson
    15 Dec 2014 | 6:22 am
    Look around you- we’ve all been told the same story. You’re supposed to study hard in school, graduate from college, and find a 9-5 job in an industry with stable, reliable work. You’re told you should buy as much house as you can afford – with two cars in the driveway, a picket fence, and maybe even a swimming pool. You’re encouraged to wear designer clothes, buy your kids everything they’ve ever wanted, and upgrade cars and appliances as often as you can. And whenever you cannot afford something, you are programmed to simply borrow the money. Because that’s…
  • 5 Ways You Are Sabotaging Your Finances

    Melanie Lockert
    12 Dec 2014 | 6:09 am
    As a personal finance writer, I like to think that I’m on the right path when it comes to my finances — I’m aggressively paying off my student loans, tracking all my expenses, and saving a bit for emergencies and retirement. However, I wasn’t always this way. There were times when I paid the minimum towards my debt because I didn’t think it was important. In college, I hardly saved any money although I lived at home rent free. I’ve made my fair share of mistakes and I’ve learned from them. As we make mistakes, grow older, and mature, we can often look back and see our…
  • add this feed to my.Alltop

    Florida Retirement Plan

  • What’s coming down the Pike

    Gardner Sherrill
    19 Dec 2014 | 9:29 am
    ​What does the future hold? The good news is most analysts expect economic growth in the United States to continue. The Wall Street Journal, The Economist, The Federal Reserve, and the International Monetary Fund all have forecast gross domestic product growth in the United States at 2.5 to 3.0 percent for 2015. That’s not quiteRead more
  • Weekly Market Update December 15, 2014

    Gardner Sherrill
    15 Dec 2014 | 9:27 am
    The Markets Ouch! It was no fun to be an investor last week. The week prior, a commentary in The Wall Street Journal’s blog, MoneyBeat, offered this insight: Read more
  • Social Security Planning: Don’t leave money on the table.

    Gardner Sherrill
    12 Dec 2014 | 6:50 am
    Social Security is one of the most popular programs the federal government has ever put into place. In total, about 57 million Americans received retirement, disability, or survivors’ benefits during 2012 at a cost of about $786 billion. Social Security retirement benefits were received by nine of 10 people age 65 or older during 2012Read more
  • Weekly Market Commentary December 8, 2014

    Gardner Sherrill
    8 Dec 2014 | 11:05 am
    The Markets In the United States, it was more of the same ole, same ole… Read more
  • The Perfect Investment Portfolio

    Gardner Sherrill
    19 Nov 2014 | 9:48 am
    Published in Bradenton Herald: November 16 By GARDNER SHERRILL |Investor’s Column What would the perfect investment portfolio look like? On a scale of 1 – 10, I believe it would require high numbers in the following areas: The key ingredients: Read more
 
  • add this feed to my.Alltop

    SMSF | SMSF Superannuation | SMSF Specialists | Redwood Advisory

  • Property Depreciation Schedule for SMSF

    Ivan Filipovic
    18 Dec 2014 | 2:53 pm
    SMSF Property Investors – Don’t overlook the benefits of Property Depreciation Schedule The question of SMSF Depreciation comes up a lot with our clients. Redwood Advisory encourages clients to obtain a SMSF Property Depreciation Report to claim deductions where possible. Which expenses can I claim? SMSF Properties are entitled to claim depreciations when they complete their annual tax return. Some of the deductions by investors include body corporate fees, agent fees and commissions, council rates, borrowing expenses, interest on loans, repairs and maintenance, gardening expenses.
  • Will SMSF Borrowing Be Banned?

    Ivan Filipovic
    7 Dec 2014 | 2:18 pm
    Borrowing in superannuation was introduced in 2007, for the right reasons to allowing flexibility and control for Australians to build wealth and create financial freedom – in the long term to benefits the retirement of Australian. Mr David Murray has released the “Financial Systems Inquiry” (“FSI”), a 320-page report which provided 44 recommendations. We will focus on a specific SMSF recommendation, which is Recommendation 8: “Ban on limited recourse borrowing arrangements” The FSI Report has found that SMSF borrowing could “pose risks to the financial system if it is allowed…
  • CAN I REFINANCE A SMSF LOAN?

    Ivan Filipovic
    26 Oct 2014 | 8:02 pm
      An SMSF can refinance an existing SMSF loan. This is beneficial for Limited Recourse Borrowing Arrangements (“LRBA”) entered into many years ago where interest rates were higher with less SMSF lenders in the marketplace. Currently, SMSF lending is competitive with many if not all lenders offering a SMSF Loan product. After all, SMSFs is a $600 billion industry and the banks are rushing into SMSFs to cash in. Why Refinance an existing SMSF Loan? SMSF Loans have grown considerably. Interest rates may vary between lenders amd existing loans may be at a higher rate than the comparison…
  • SMSF LOANS AND BENEFITS OF AN OFFSET ACCOUNT

    Ivan Filipovic
    26 Oct 2014 | 7:57 pm
    To the knowledgeable SMSF investor, an offset account is a ‘must-have’, both inside and outside of super. An offset account is a valuable feature of a SMSF loan. This is due to the fact that SMSFs generally hold a reasonable proportion of cash within the SMSF, either for a ‘rainy day’ or thinking about your next investment. The benefit of an offset is clear, the cash held in your SMSF will offset you loan and save you interest on your loan in the short term and long term. What is an offset account? An offset account is a transaction account that can be linked to your SMSF, home or…
  • EXPLORING THE MYTH OF PERSONAL GUARANTEES AND LIMITED RECOURSE SMSF LOANS

    Ivan Filipovic
    26 Oct 2014 | 7:53 pm
    A contentious area of SMSF Lending is the growing trend of SMSF lenders to obtain a personal guarantee for SMSF Loans. Our experience indicates that many brokers and SMSF Trustees lack the required understanding of the impact of the personal guarantee, and usually spot the personal guarantee too late when they are signing mortgage documents close to settlement date. What is a personal guarantee? A personal guarantee means that the SMSF member or third party provides the lender with additional assets as security for the loan. If the SMSF member fails to repay the loan, the SMSF lender has a…
  • add this feed to my.Alltop

    Live My Retirement

  • Stress Free Holidays

    Life adventurer
    20 Dec 2014 | 3:58 pm
    livemyretirement.com I have written a few articles on the Holidays (Thanksgiving and Holiday Travel) and it’s not just due to the timing of the season, it’s because as we age the Holidays transform into a variety of meaning. Some use the holidays to catch up with family and friends, some use the holidays to relax, or vacation to a ski resort or even the beach. There are many flavors for how to spend your holiday, but one that happens to us all, is the street of the holidays! Here are some tips and tricks to keep you with Stress Free Holidays! Stress Free Holiday    …
  • Holiday Travel in Retirement

    Life adventurer
    12 Dec 2014 | 4:33 pm
    livemyretirement.com There went Thanksgiving and now onto the busy Holiday season! The Holiday’s come with a lot of work, don’t they? Whether you are planning for family to come and visit you or you go visit family, the coordination need to spend Christmas together is getting very complicated! Well thankfully with the way technology has progressed, Holiday travel in retirement can now be a little easier. This article is all about finding the cheapest plane ticket and the best car transportation when you arrive! Holiday Travel in Retirement  Finding the Cheapest Airfare for…
  • Driving Uber and Lyft in Retirement

    Life adventurer
    8 Dec 2014 | 3:18 pm
    livemyretirement.com As many articles we have written about, retirement is about many new opportunities, many new doors! And while moving into retirement you may have certain expectations of not working again, for one reason or another, you find yourself still interested in getting out into the world and wanting to make a little extra cash. Driving Uber and Lyft in retirement is an exciting new option for retired people as the service is just growing in popularity! Becoming a driver for these businesses, you can make up to $1,000/week by driving 25-40 hours.  What Are These Services? A few…
  • Involving your children in retirement

    annyb44
    8 Dec 2014 | 7:56 am
    livemyretirement.com One of the larger questions upon retirement is how  much do you involve your children? You may be faced with many questions as your retirement world opens doors and closes others. Having different perspectives is a great way to keep your world in the “door open” category, with  involving your children in retirement as one such perspective. Your Retirement Your Relationships Some families really enjoy short visits and FaceTime to catch up.  Some families celebrate holidays and birthdays together or not. Some families are inclusive and open.  Some families…
  • Scottsdale Farmers’ Market

    Life adventurer
    30 Nov 2014 | 4:36 pm
    livemyretirement.com Scottsdale, Arizona was voted the #1 city in America for several reasons, the safety, the food, and the strength of the city to maintain an architecture fitting it’s Southwestern roots. With the enjoyment of Scottsdale also comes a special treat most don’t know about, the Scottsdale Farmers’ Market located in Old Town Scottsdale. It offers a variety of boutique like tent shops that is perfect for a Saturday or sometimes on Sunday strolls. Scottsdale Farmers’ Market               The Shops at the Scottsdale…
Log in