Retirement

  • Most Topular Stories

  • "Class" of '74

    Data "Points"
    2 Sep 2014 | 4:30 am
    Pensions were not on my mind in 1974, certainly not on Labor Day of that year.  While I was pondering my new college textbooks, President Gerald Ford, less than a month in that role, signed into law the Employee Retirement Income Security Act of 1974 – better known to most of us as ERISA. Little did I know at the time that that law – and the structure it provided to the nation’s private pension system – would, in the years to follow, play such an integral role in my life.ERISA did not create pensions, of course; they existed in significant numbers prior to 1974.  Rather, it…
  • What Is Beta?

    FutureAdvisor Blog
    Nicholas Pell
    2 Sep 2014 | 6:46 am
    The stock market is a good investment when taken as a whole; In any given period longer than three years, historically speaking, the chances are high that you’re going to come out on top, provided you invest in the whole market. Picking individual stocks, however, is much more risky. Enter beta. Beta is the coefficient used to measure the volatility and risk of a specific stock. The higher the beta coefficient, the greater the risk of investment. For example, treasury bonds have a very low beta, whereas stocks with prices all over the place have a very high beta. In practice this means that…
  • Phyllis and Ed’s Love Story…61 Years Of FUN

    Brunswick Plantation Living
    Bev
    28 Aug 2014 | 3:46 pm
    We enjoy the great people that make Brunswick Plantation and Golf Resort their home! It is such a treat to celebrate life together! We salute our neighbors, Phyllis and Ed Billingsley , as they recently celebrated their 61st Year of … Continue reading → The post Phyllis and Ed’s Love Story…61 Years Of FUN appeared first on Brunswick Plantation Living.
  • Couples and Retirement: Creating a Shared Vision

    Retirement And Good Living
    Roberta Taylor
    2 Sep 2014 | 1:04 pm
    A few years ago my husband started talking about retirement. Although he left the corporate world after many years, he continued an intense work and travel schedule as a consultant. He was ready to slow down and enjoy a different lifestyle with more time and space to pursue personal interests, volunteer a few days a ...more
  • One Time Only Experiences

    A Satisfying Retirement - Is a Lifestyle You Choose
    Bob Lowry
    28 Aug 2014 | 2:00 am
    Living in the moment is wise counsel that I ignore way too often. I spend copious amounts of time and energy worrying about the future or rehashing the past. The former I can't really control and the latter is past all control. Even, so, give me 15 minutes and I will probably spend 13 of it that way.One of the positives of an RV trip (or any type of travel that removes you from your normal routine and place) is the chance to experience something that you will never experience again. Time, place, weather, and attitude combine in a unique way. At least for me on this trip, I…
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    Data "Points"

  • "Class" of '74

    2 Sep 2014 | 4:30 am
    Pensions were not on my mind in 1974, certainly not on Labor Day of that year.  While I was pondering my new college textbooks, President Gerald Ford, less than a month in that role, signed into law the Employee Retirement Income Security Act of 1974 – better known to most of us as ERISA. Little did I know at the time that that law – and the structure it provided to the nation’s private pension system – would, in the years to follow, play such an integral role in my life.ERISA did not create pensions, of course; they existed in significant numbers prior to 1974.  Rather, it…
  • "Working" It Out

    23 Aug 2014 | 6:30 am
    It is routinely reported that 10,000 Baby Boomers are retiring every day, and yet surveys continue to indicate that Americans plan to postpone retirement. This raises the question: are more older Americans working? A recent Wall Street Journal article notes (subscription required) that one of the biggest changes in the U.S. labor market over the past two decades has been the increasing number of people working over the age of 55. As recently as 1993, only 29% of people that age were in the labor force, but by 2012 more than 41% of that age group were still in the labor force, the highest…
  • When You Assume...

    16 Aug 2014 | 2:57 pm
    The use of assumptions was the focus of a recent report from the Employee Benefit Research Institute (EBRI), which not only highlighted the assumptions used in two separate retirement studies, but illustrated a real problem with their results. The EBRI report examined two earlier  studies — one by Pew Trusts, the other by the Center for Retirement Research at Boston College — that purported to show that the retirement prospects for Gen Xers were worse than those of the Baby Boomers. The EBRI report not only highlighted the questionable assumptions, but took the time to quantify the…
  • Lessons Learned

    9 Aug 2014 | 4:30 am
    I joined EBRI with a passion for the insights that quality research can provide, and a modest concern about the dangers that inaccurate, sloppy, and/or poorly constructed methodologies and the flawed conclusions and recommendations they support can wreak on policy decisions.  While my tenure here has only served to increase my passion for the former, on (too) many occasions I have been struck not only by the breadth of assumptions made in employee benefit research, but just how difficult – though not impossible – it is for a non-researcher to discern those particulars.We have over…
  • "Repeat" Performance

    2 Aug 2014 | 4:30 am
    A few months back, I was intrigued to catch several episodes of “Cosmos,” an updated version of the classic 1980 Carl Sagan series.  Along with the significantly expanded and enhanced visuals and (to me, anyway, generally annoying) animations, the series recounted the work, travails and accomplishments of Edmond Halley, who, even today, is probably best remembered for the comet whose 75-year cycle he identified and which still, as Halley’s Comet, bears his name.Halley wasn’t the first to see the comet, of course – in fact, it had been recorded by Chinese astronomers as far back…
 
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    FutureAdvisor Blog

  • What Is Beta?

    Nicholas Pell
    2 Sep 2014 | 6:46 am
    The stock market is a good investment when taken as a whole; In any given period longer than three years, historically speaking, the chances are high that you’re going to come out on top, provided you invest in the whole market. Picking individual stocks, however, is much more risky. Enter beta. Beta is the coefficient used to measure the volatility and risk of a specific stock. The higher the beta coefficient, the greater the risk of investment. For example, treasury bonds have a very low beta, whereas stocks with prices all over the place have a very high beta. In practice this means that…
  • Why Student Loan Debt Should Inspire You To Save

    futureadvisor
    28 Aug 2014 | 6:38 am
    In 2012, student loan debt surpassed $1 trillion dollars in the U.S. We’ve added another $200 billion since then. Nearly one in five American households is paying off student loan debt, as are approximately two-thirds (37 million) of American students. The average debt per student is around $27,000, surpassing car loans and credit cards as the largest source of personal debt in America. It is the second most important type of consumer debt behind mortgages. Left unchecked, student loans could be the next subprime mortgage. The repercussions of rising student debt extend far beyond…
  • Don’t Become a Victim Of Cyber Espionage

    Qiana Chavaia
    18 Aug 2014 | 6:32 am
    Cyber crimes are on the rise and criminals are becoming more sophisticated in their attacks. According to the U.S. Department of Justice, identity theft arising from Internet fraud and phishing scams cost Americans 27.4 billion in 2013, exceeding all other types of crimes. And the Kaspersky Lab Cyber forecast for 2014 predicts cyber attacks will continue to grow. Scams on Craigslist Since its inception in 1995 as an email list for San Francisco-based events, Craigslist has expanded to 700 localities in 70 countries. The site receives over 50 billion page views, 60 million classified ads, and…
  • Tax Loss Harvesting – Untangling Your Shares

    E.A. Mann
    13 Aug 2014 | 6:32 am
    Imagine you’ve bought a shiny new car. It has dozens of beautiful chrome knobs and levers. There are sturdy paddles behind the steering wheel that make a satisfying click sound when depressed. The center console sports a big red button, shined to a gloss, seductively flashing the word “Push”.  Now imagine that I own this car, but that the only parts of it I’ve touched are the steering wheel and the gas and brake pedals. This about sums up my experience with my investment websites, where about the only button I’ve pressed is “Buy”. However, to properly harvest…
  • Performance: July 2014

    Simon Moore
    8 Aug 2014 | 8:16 pm
    Year to date through the end of July 2014 the average FutureAdvisor portfolio has outperformed the S&P 500 by +1.01%. The S&P 500 has returned +5.66% relative to +6.67% for the average FutureAdvisor portfolio. For the month of July the S&P declined -1.38% whereas the average FutureAdvisor portfolio declined -0.92% hence outperforming the S&P 500 by +0.46%. July was a weak month for most markets, during which the gains for stocks from June were largely reversed, though many indices remain close to all time highs. We believe this was due to a combination of factors surfacing…
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    Brunswick Plantation Living

  • Phyllis and Ed’s Love Story…61 Years Of FUN

    Bev
    28 Aug 2014 | 3:46 pm
    We enjoy the great people that make Brunswick Plantation and Golf Resort their home! It is such a treat to celebrate life together! We salute our neighbors, Phyllis and Ed Billingsley , as they recently celebrated their 61st Year of … Continue reading → The post Phyllis and Ed’s Love Story…61 Years Of FUN appeared first on Brunswick Plantation Living.
  • Sweetgrass Baskets And Gullah African Traditions

    Bev
    21 Aug 2014 | 11:43 am
    Sweetgrass baskets are beautiful intricately weaved, coiled baskets and one of the oldest African crafts in America! These baskets, a cultural heritage of the Gullah African tradition, were transported across the Atlantic by enslaved African people. The baskets appeared in … Continue reading → The post Sweetgrass Baskets And Gullah African Traditions appeared first on Brunswick Plantation Living.
  • Summer Savings with Seal and Insulate – Don’t Sweat It! shared by Brunswick Plantation Living

    Kevin Anderson
    18 Aug 2014 | 3:00 pm
    The Construction Group by Caw Caw Land Corp, at Brunswick Plantation and Golf Resort, a coastal Carolina gated community, has been a proud Energy Star partner since 2010 . We want to help people save energy at home, period. If you … Continue reading → The post Summer Savings with Seal and Insulate – Don’t Sweat It! shared by Brunswick Plantation Living appeared first on Brunswick Plantation Living.
  • Coastal Living News and Events 8.14

    Bev
    15 Aug 2014 | 12:10 pm
    Coastal living is Fun all year with much to do and see in the Carolinas! There is so much to choose from located in and close to the lovely gated community of Brunswick Plantation and Golf Resort. It really is … Continue reading → The post Coastal Living News and Events 8.14 appeared first on Brunswick Plantation Living.
  • Brunswick Plantation News and Events 8.14

    Bev
    15 Aug 2014 | 11:51 am
    Summer Time and the Livin’ is Easy! There is, as usual, so much going on in our lovely gated community of Brunswick Plantation and Golf Resort! Folks here are even busy planning Fall activities! What a dynamic group of friends … Continue reading → The post Brunswick Plantation News and Events 8.14 appeared first on Brunswick Plantation Living.
 
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    Retirement And Good Living

  • Couples and Retirement: Creating a Shared Vision

    Roberta Taylor
    2 Sep 2014 | 1:04 pm
    A few years ago my husband started talking about retirement. Although he left the corporate world after many years, he continued an intense work and travel schedule as a consultant. He was ready to slow down and enjoy a different lifestyle with more time and space to pursue personal interests, volunteer a few days a ...more
  • A Visit from Emily

    Len Schritter
    1 Sep 2014 | 4:08 am
    It was just a normal day, like any other day. I was off running some errands on a busy summer afternoon. Nothing special. I had just parked my car in the parking lot of a strip mall and was walking down the sidewalk to a Walgreen’s to pick some prescriptions. That’s when I saw him. ...more
  • Boomers and Marijuana

    Terri Benincasa
    29 Aug 2014 | 1:49 pm
    Legalization of marijuana, from medical only to full recreational use, is becoming quite the trend.   Interestingly, many of us who gladly passed the joint after a strong toke when we were in college, now frown upon the substance’s legalization. The usual reasons:   I used it in my youth and I know how bad ...more
  • A Day in the Life

    Ken Wibecan
    28 Aug 2014 | 1:09 pm
    Each morning I rise from bed, slowly, as is my habit, and sit quietly on the bed contemplating the day that looms before me. It is summer, and each day a pencil of morning sunlight shines its way across the room, illuminating a different spot on the west wall until one day it is gone ...more
  • Tips to Help Couples Communicate More Effectively

    Dr. Dorian Mintzer
    27 Aug 2014 | 1:32 pm
    Have you been thinking about and even worrying about the upcoming years—and your spouse wants nothing to do with it and thinks you’re “crazy” to be thinking about something in the future? Or, perhaps your spouse is pushing for the discussion and you don’t even want him or her to consider retiring since it will ...more
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    A Satisfying Retirement - Is a Lifestyle You Choose

  • One Time Only Experiences

    Bob Lowry
    28 Aug 2014 | 2:00 am
    Living in the moment is wise counsel that I ignore way too often. I spend copious amounts of time and energy worrying about the future or rehashing the past. The former I can't really control and the latter is past all control. Even, so, give me 15 minutes and I will probably spend 13 of it that way.One of the positives of an RV trip (or any type of travel that removes you from your normal routine and place) is the chance to experience something that you will never experience again. Time, place, weather, and attitude combine in a unique way. At least for me on this trip, I…
  • Heaven Help Our Roads

    Bob Lowry
    20 Aug 2014 | 1:24 pm
    As I write this post we have passed 3,500 miles on our trip. I have felt almost every one of those three thousand five hundred miles. The RV has shaken enough to loosen dozens of screws and make things rattle that I didn't even know could rattle. Why? Because too many of America's roads are falling part.If you have plans to motor through the Midwest, hold on to your hat (and anything else that might be loose): I-70 through eastern Colorado, I-90 through southern Minnesota, I-35 in Iowa and Minnesota, I-39 in Wisconsin.....the list is endless. Have you noticed that the major offenders are…
  • Making The Turn Toward Home

    Bob Lowry
    12 Aug 2014 | 6:27 am
    The RV’s nose has turned west. After 5 weeks of putting 2,500 miles between us and home, we have begun the return trip. Though not rushing back, we are feeling the pull of family and friends and implementing some of what we have learned about each other and what makes our individual retirement journey so satisfying.One of the joys of this type of travel is the ability to make changes when we feel like it so, we are adding two states to our itinerary. Realizing that we aren’t likely to be back this way anytime soon, our return will include some time in North Dakota and Montana. That will…
 
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    Early Retirement Extreme

  • Incomplete list of hobbies that could earn money

    Jacob
    3 Sep 2014 | 2:14 am
    In the past I have mentioned the importance of selecting hobbies, activities really, in such a way that they do not cost you money, rather they should be free or at best actually make you money. Disclaimer: Yes, I know that my two sports (inline hockey and shinkendo) cost me money and thus are not in accordance with what I preach. These are recent additions though. I don’t know about you, but pretty much anything I get my brain on eventually turns interesting once I learn enough, so having had a hobby for a long time or thinking that something new is not or less interesting is no excuse…
  • Don’t wash your clothes every day

    Jacob
    2 Sep 2014 | 2:11 pm
    When my mom was a kid, they had something called school clothes and play clothes. School clothes had to be kept clean and play clothes was something one changed into after school. The washing machine is sometimes said to be the factor of the 20th century that liberated women. I do think though, that the maxim that a task expands to fill the available time holds here too. Thus once laundry got faster we simply started doing more of it. All that washing wears the clothes out. It is obvious from the accumulating lint that drying wears the clothes down. This is why we line dry. However, clothes…
  • Thousand Islands

    Jacob
    2 Sep 2014 | 2:10 am
    I suppose I should have developed an appropriate level of cynicism when it comes the familiar products I use: No, they are not proprietary products based on secret formulas painstakingly developed by bench scientists during many years of research. No, most products are simply comprised of a few simple ingredients to which you add a bunch of preservatives so they store well on store shelves and a bunch of coloring agents that gets added to an impressive marketing campaign. And so we pay through our ignorance, both in terms of cost and the possible side effects of ingesting all these funny…
  • How to deal with heat

    Jacob
    2 Sep 2014 | 2:10 am
    Dealing with heat is far worse than dealing with cold because you can not just put more clothes on. Now, one could just switch on the A/C, but there are also ways to avoid this by taking advantage of the environment rather than ignoring it or working against it. In general the nights get tolerably low or even nice and cool, so if you are not tied to specific working hours like 9-5, consider working very early in the morning or in the evening. This is a good time to to garden work (when the full moon is out). Then reserve the mid day for a siesta. Also, remember, the less you use A/C the more…
  • Getting in shape without paying a dime

    Jacob
    1 Sep 2014 | 2:07 pm
    Using body weight and leverage is possible to put stresses on the body that would correspond to a couple of hundred pounds in the gym. For strength, there is the one-armed push up and the one-legged squat as described in The Naked Warrior. The best thing about these exercises is that they can be done anywhere. Conventional gym wisdom teaches you to do a set to exhaustion. This is not a good idea with these. Instead, do a set that does not exhaust you every hour on the hour. Alternatively, do it whenever you go into a specific room, like the bathroom or the kitchen. 5 push ups and 5 squats.
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    Retirement: A Full-Time Job

  • My Short Career as a Landlord

    Retired Syd
    29 Aug 2014 | 8:36 am
    (Photo Details:  Secluded Napa Valley vacation rental) This is a story about how I learned that I’m not going to start a little rental business in retirement. Back when I was still working, Doug and I bought a vacation home in the Napa Valley.   We used it on the weekends to escape San Francisco’s dreary summers.  In less than two hours we could be 30 degrees warmer.  Seriously. A few years later we ditched the fog of San Francisco for suburbia so I could be closer to work.  The upside was a 12-minute commute and a town whose motto is “Climate best by government test.”  But…
  • Looking Forward

    Retired Syd
    27 Jul 2014 | 3:48 pm
    (Photo Details:  The view from Roosevelt Island to Manhattan's Upper East SIde--July 2014) So this is my last day in Manhattan, for this year anyway.  I am always sad to go home.  Not only will I miss the thrill of living right up next to other people’s lives, I will miss the way this place continues to surprise me every time I come here.  More about that later--this is a post about looking forward.  Instead of being sad about leaving, I’m working on looking forward to going back home.  When I’m away, especially for such a long time, I am more removed from the things that weigh…
  • How to See Retirement With a Tourists Eyes

    Retired Syd
    20 Jul 2014 | 3:20 pm
    (Photo Details:  Top of the Metropolitan Museum of Art, New York--June 2014) I’m just finishing up a five-week visit to Manhattan on our annual home-exchange vacation.  I get a lot of questions from people about why I like to return to New York year after year.  Why not go somewhere different?  Why go for an entire month?  And why go during the hottest time of year? And I do have answers to all those questions.  But this post is about the value of seeing something that you’ve seen before in a totally different light.  I just calculated that I’ve visited New York City 14 times…
  • Picturing Retirement: Stop and Smell the Cacti

    Retired Syd
    18 Jul 2014 | 6:49 am
    Photo Friday:  Terri has been retired for almost a year now.  She sends wonderful email updates about how much she is enjoying her newfound time.  This photo is from her travels earlier this year to Sedona and to the Grand Canyon.  This cactus only blooms one week each year and she and her husband were there to see it.  Thanks for sharing Terri! Related Posts: Picturing Retirement:  First Morning of Retirement     Picturing Retirement:  Retired Art Teacher with Wanderlust     Picturing Retirement:  Retire in the City or in the Country? Can’t keep track of my non-existent posting…
  • Is it Ok to Be Happily Retired?

    Retired Syd
    15 Jul 2014 | 11:25 am
    (Photo Details:  Pool at Grand Hotel D'Angkor--Siem Reap, Cambodia) If only this one was as easy as turning off the TV. Yesterday I posted about how it seems like we’re not allowed to be happy about good news yet.  Yes, maybe it’s that bad news sells.  But I also think it’s because we feel guilty about feeling happy when there are still so many people whose circumstances are not as good. I think that’s why I get so many emails from readers who feel like they have to downplay their happiness about being retired.  Since many of these folks have retired before their friends or family…
 
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    Oblivious Investor

  • When Does it Make Sense for Married Taxpayers to File Separately?

    Mike
    1 Sep 2014 | 5:00 am
    A reader writes in, asking: “Under what circumstances does it make sense for a married couple to file separate tax returns rather than file jointly?” In most cases, it doesn’t make sense. That is, in most cases, a married couple will end up paying more total tax by filing separately than by filing jointly. There are, broadly speaking, two reasons for this. Reasons Not to File Separately First, by filing separately, you’re made ineligible for a number of tax breaks, including (but not limited to): The student loan interest deduction, The American Opportunity Credit,…
  • Investing Blog Roundup: Vanguard Interviews Jonathan Clements

    Mike
    29 Aug 2014 | 5:00 am
    When I first started reading about personal finance, Jonathan Clements (writing for The Wall Street Journal at the time) was one of my favorite writers. After a several-year hiatus, Clements began writing for WSJ again this year. You can find a collection of his articles here. This week, in an interview with Vanguard, Clements argues that today is a great time to be an investor: The Best of Times? A Conversation with Jonathan Clements from Vanguard Investing Articles S&P 500: A Great 2nd Place Index Fund from Rick Ferri Where to Stash Your Cash to Make More from Allan Roth On Turning…
  • Why I Prefer Vanguard LifeStrategy Funds to Target Retirement Funds

    Mike
    25 Aug 2014 | 5:00 am
    A reader writes in, asking: “I enjoyed the Bogleheads piece. [Editor's note: He's referring to this recent Money article by Penelope Wang.] I noticed that there was a recommendation for the Target Retirement Funds. I wonder if you’d run your preference for the LifeStrategies Growth Fund by me one more time?” As a tool for investors in general, I prefer the LifeStrategy funds primarily due to their naming convention (i.e, the use of the names Growth, Moderate Growth, Conservative Growth, and Income rather than date-based names). When presented with a menu of LifeStrategy…
  • Investing Blog Roundup: Tips from the Bogleheads

    Mike
    22 Aug 2014 | 5:00 am
    This week Penelope Wang of Money has a great write-up about the Bogleheads community, as well as the new edition of The Bogleheads Guide to Investing that was released this week. Wang writes: “Wouldn’t it be great to get advice on managing your money from a knowledgeable friend—one who isn’t trying to rake in a commission or push a bad investment? That’s what the Bogleheads are all about.” 3 Smart Moves for Retirement Investors from the Bogleheads from Penelope Wang Investing Articles iShares to Close Target Retirement ETFs from Barry Barnitz Why Your Fund’s Return…
  • Helpful Social Security References

    Mike
    18 Aug 2014 | 5:00 am
    From time to time, I hear from people who have visited their local SSA office (or spoken with an SSA employee on the phone) to execute a legitimate Social Security strategy, only to have the SSA employee (incorrectly) tell them that they cannot do such a thing. Generally, the best thing you can do in such a situation is to respectfully direct the SSA employee to an applicable reference in the Code of Federal Regulations or Program Operations Manual System (i.e., the SSA’s internal employee manual). What follows are a few such references that may be helpful in getting things moving…
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    Getting Your Financial Ducks In A Row

  • Should You Have Gold in Your Portfolio?

    sraskie
    29 Aug 2014 | 5:00 am
    American Gold Eagle (Photo credit: Wikipedia) We had a great question come in by request this week that we address the question of whether folks should have gold in their portfolios. Gold can be included under the umbrella of a larger asset class known as commodities. Think of commodities as items used to make or produce other items – such as gold is used to produce jewelry, circuitry and coinage, while timber is used to make lumber and paper, while coal is used to make electricity and disappoint not-so-good kids on Christmas morning (sorry, couldn’t resist). Getting back to gold, the…
  • 10 questions: Social Security Spousal Benefits

    Jim Blankenship
    27 Aug 2014 | 5:27 am
    Photo courtesy of Dan Ruswick on unsplash.com I recently had the pleasure of taking part in a live interactive event with Yahoo! Finance, where folks were able to ask virtually any question they wished. We received and responded to over 200 questions – they’re all on Facebook on the Yahoo! Finance page (click the link to go to the page). One recurring theme played out over and over: Social Security Spousal Benefits are not understood by a vast number of folks. Naturally I find this to be disturbing.  Social Security Spousal Benefits often represent a large part of the total…
  • Social Security Wage Base Projected for 2015

    Jim Blankenship
    25 Aug 2014 | 5:58 am
    Photo courtesy of Stephy Pariande Marzian on unsplash.com According to the Social Security Administration trustees, the Social Security wage base for 2015 is projected to be $119,100.  This represents an increase of $2,100 from the 2014 wage base of $117,000. This is an increase of 1.79% – and won’t be finalized until October when the other increases for Social Security amounts are announced. This is a relatively small increase when compared to recent annual increases we’ve seen.  The previous 3 years’ increases have averaged 3.09%. This is different from the COLA (Cost of Living…
  • What Keeps Your Planner Up at Night?

    sraskie
    22 Aug 2014 | 5:00 am
    stressed and worried (Photo credit: Wikipedia) I thought I’d share some of the things that go through my mind, financially, even though I’m “in the business” of being a financial planner and teach classes on finance and investments. The goal is to help readers understand that although we give an objective point of view when working with you there are times with our own financial well-being that we too have worries and concerns. We’re certainly not immune. Being married with two children brings along its own set of circumstances and planning issues that I deal with. One of the…
  • RMD Avoidance Scheme: Birthdate Makes All The Difference

    Jim Blankenship
    20 Aug 2014 | 5:15 am
    Photo courtesy of Lizzy Gadd on unsplash.com As you may recall from this previous article, it is possible to use a rollover into an active 401(k) plan as an RMD avoidance scheme. Of course, this will only work as long as you’re employed by the employer sponsoring the 401(k) plan and you’re not a 5% or greater owner of the company. In addition, the rollover must be done in a timely fashion, prior to the year that you will reach age 70 1/2 in order to avoid RMD. An example of where timing worked against a taxpayer (at least temporarily) recently came to me via the ol’…
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    Personalincome.org

  • 5 Reasons Why Silver May Be Better Than Gold For a Middle Class Investor

    Kevin Mercadante
    1 Sep 2014 | 7:39 am
    In the past dozen years or so we’ve been hearing a lot about gold as an investment. This is been the case in part because the price of gold rocketed from a 20 year low in 2000, to an all-time high of nearly $2,000 an ounce in 2011. We’ve also heard a lot about gold because of the dot.com bust that started in 2000, and the financial meltdown that began in 2007. Gold tends to perform best in times of great uncertainty, and the early 2000’s certainly brought us such a time. Less well covered – and largely out of the public eye – has been the performance of silver. The price of silver…
  • The Entrust Group Review – Did I Chose Them to be my IRA Custodian?

    Donny Gamble
    31 Aug 2014 | 12:26 pm
    The Entrust Group was founded in 1982 by Hubert Bromma. It is one of the leading providers of self-directed IRA services, which allow individuals to place real estate and precious metals into their retirement accounts. Their main office is currently based in Oakland, CA. What I Learn When Doing Research on Entrust Group The Entrust Group is one of the most respected self direction service providers in the entire industries. Many individuals and corporations leverage their retirement services when it comes to setting up retirement accounts. However, after some research, I noticed that they…
  • Self Directed IRA Services Review – Should you setup a self directed IRA?

    Donny Gamble
    30 Aug 2014 | 10:31 am
    Self Directed IRA Services (SDIRA Services) was founded in 2008 in Waco, TX. It provides administration and custody services that allow individuals to place assets in the retirement via a self-directed IRA. The company is a subsidiary of Horizon Bank. What I Learn When Doing Research on SDIRA Services Even though Self Directed IRA Services might be a great company to work with, it is hard to tell because they have no reviews from current or past customers around the web. I could not find one single review of this company even on the industry watchdog websites. This is an important part of my…
  • KeltnerPro Review – Does this automated forex robot really work?

    Donny Gamble
    29 Aug 2014 | 8:04 am
    The world of Forex trading has been a driver of the global economy since money was first invented. Forex seems simple: you buy currency when it is worth a small amount and sell it when it is worth more, thereby making a profit. However, for all its simplicity, it seems that only experienced traders have truly figured out how it works. This is where Keltner Pro comes in, however, which is a software package that claims to help you see a very rapid return on investment, after which can you start enjoying profits. It is not the only program of its kind, so what makes this one different? What is…
  • SEP IRA – Introduction Guide to Simplified Employee Pension Plans

    Kevin Mulligan
    27 Aug 2014 | 9:19 am
    What is a SEP IRA? Simplified Employee Pension IRAs or SEP IRAs are retirement accounts primarily utilized by self-employed individuals or smaller employees. SEP IRAs are part of SEP Plans; the IRA is just the vehicle that carries the financial assets to retirement. Unlike Traditional or Roth IRAs a SEP IRA is not primarily funded by the employee. The employer funds the SEP portion of the IRA. The only time an employee would contribute to a SEP IRA would be if the company holding the SEP allowed the IRA to be treated like a Traditional IRA. If so, standard Traditional IRA rules apply. The…
 
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    fl-retirementplan.com

  • Weekly Market Commentary September 1, 2014

    Gardner Sherrill
    2 Sep 2014 | 2:26 pm
    The Markets There is no substitute for mental preparedness. Just ask any professional athlete or Navy SEAL. One essential aspect of metal preparation is situational awareness – being able to identify, process, and understand what is happening around you at any given time. Read more
  • What’s Your Number

    Gardner Sherrill
    2 Sep 2014 | 2:14 pm
    If you are like most people, retirement is your number one investment goal. Unfortunately, most investors have not planned for how they are going to pursue that goal. Financial experts estimate you will need to replace at least 80% of your pre-retirement income with dollars from several sources like Social Security, a company pension orRead more
  • Estate planning – Tips to Coordinate

    Gardner Sherrill
    29 Aug 2014 | 9:35 am
    ​Mind the gap. Here in America, some of the most important gaps that need to be filled are in estate plans. It’s not enough to have a plan. You also need to make sure all of the components of your plan – from retirement accounts to investments to property – are properly coordinated. Often theRead more
  • Weekly Market Commentary August 25, 2014

    Gardner Sherrill
    25 Aug 2014 | 8:02 am
    The Markets What do Harry S. Truman and Hindu goddesses have in common? Both were invoked to describe Federal Reserve Chairwoman Janet Yellen’s speech at the Jackson Hole Economic Policy Symposium last week. Read more
  • Old World Investing

    Gardner Sherrill
    17 Aug 2014 | 1:11 pm
    The Old World focus was on beating "the market" through finding mispriced securities and actively trading them. Wall Street and associated insiders had information and technology advantages that allowed them to leverage their scale and talent. Read more
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    Structured Settlement

  • The Use of Annuities and Structured Settlements

    Michael Reid
    1 Sep 2014 | 12:36 am
    An annuity is a popular financial product offered by insurance companies to customers as a type of investment that repays a premium to the purchaser sometime in the future. It offers the purchaser secure and regular payments at a predetermined date. It is especially useful for those planning for retirement or who has received an award for personal injury. It takes on features that have similarities to investments and insurance policies. It can be seen as an investment because the insurance company is in businesses to make a profit and at the same time providing a suitable rate of return to…
  • Millionaire Calculator

    Michael Reid
    29 Aug 2014 | 3:29 am
    How long will it take you to save up enough money to reach the millionaire mark. This calculator will help you to determine that age and you can start making plans or adjustment to your current plan to make that goal a reality. <div><a href=”http://www.dollartimes.com/calculators/on-your-site/millionaire-calculator.htm”>Put a Millionaire Calculator on your site!</a> <script src=”http://www.dollartimes.com/calculators/on-your-site/calculator.php?id=19″ type=”text/javascript”></script></div>  
  • Retirement Calculator

    Michael Reid
    29 Aug 2014 | 3:17 am
    What will retirement look like for you? Here is a calculator that gives an estimate of how much you will have to save to achieve your retirement goal. Who knows what the future hold? You may live to see 100 years, have great health or bad health, etc. What you can do is put a great plan in place so no matter what happens you are well prepared. One has to think about sources of income like social security, pensions, annuity, structured setllemnt etc. Here is another great source for a retirement calculator. Click Here Put a Retirement Calculator on your site!
  • Annuity Calculator

    Michael Reid
    29 Aug 2014 | 3:02 am
    An annuity calculator help you to look at both present and future value. Here is a simple calculator that you can use. Put an Annuity Calculator on your site!
  • List of Structured Settlement Brokers

    Michael Reid
    24 Aug 2014 | 3:33 pm
    Structured settlement brokers are licensed to administer settlement payments. The complete list of licensed brokers is listed at the Department of Justice website. You can search the list to find an appropriate broker to handle your settlement. Here is the 2014 calendar-year list of annuity brokers who meet minimum qualifications for providing annuity brokerage services in connection with structured settlements. Scroll down for link to complete list from the ADAMS, Thomas M.; St. Louis, MO ALEXANDER, Albert May Jr.; Memphis, TN BAIR, John Theodore; Buffalo, NY BARK.HANSEN, Henry W.; Chicago,…
 
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