Retirement

  • Most Topular Stories

  • 5 Surprising Habits of the Ultra-Wealthy

    Personalincome.org
    Miranda Marquit
    29 Oct 2014 | 5:57 am
    I’m not really interested in becoming ultra-wealthy. For the most part, I’m happy to be able to cover my needs, invest for the future, and do a great deal of what I want with my life. I have a great deal of freedom, and becoming ultra-wealthy is not a goal I have. However, I can see how some of the habits of the ultra-wealthy can ensure my continued financial freedom. No matter your current income level, or your future wealth goals, learning from the success of others can be a good way for you to look at where you stand right now, and figure out how to tweak your habits in order…
  • Moving Targets

    Data "Points"
    11 Oct 2014 | 1:38 pm
    Before target-date funds were “cool” (or widely available), I had steered my mother toward an asset-allocation fund as a good place to invest her retirement plan rollover balance. The logic was, I thought, impeccable: A professional money manager would be keeping an eye on and rebalancing those investments on a regular basis. The fee was reasonable, and the portfolio was split about 60/40 between stocks and bonds, which also seemed reasonable in view of her investment horizon. From time to time Mom would call and ask if we needed to rebalance that investment — and I confidently assured…
  • The Key to Retirement Success – Online Class – Q&A

    Sensible Money - Scottsdale Financial Advisors
    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…
  • The United States of Apple: A State-­by­-State Analysis

    FutureAdvisor Blog
    Chris
    17 Oct 2014 | 3:00 am
    Apple and General Electric are by far the most popular stocks among US retail investors, a FutureAdvisor study of 161,000 investors shows. Apple was the most widely held stock in 45 states and the District of Columbia, and General Electric was the second­most in 30 states plus DC, the study shows. In three states Apple was no. 2, and in Wyoming, General Electric was no. 1. While Apple has the largest market capitalization among US companies, being popular among retail investors does not always follow. ExxonMobil, no. 2 for market cap, is 30th in popularity among retail investors covered by…
  • Pat and Ron Melvin…From Intrique to Amour At Brunswick Plantation

    Brunswick Plantation Living
    Bev
    30 Oct 2014 | 11:00 am
    Brunswick Plantation and Golf Resort ® is a dynamic gated golf community in Coastal Carolina that lots of Friendly Folks call Home! Pat and Ron Melvin are one Happy couple that actually lived and met at Brunswick Plantation before their marriage … Continue reading → The post Pat and Ron Melvin…From Intrique to Amour At Brunswick Plantation appeared first on Brunswick Plantation Living.
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    Data "Points"

  • Moving Targets

    11 Oct 2014 | 1:38 pm
    Before target-date funds were “cool” (or widely available), I had steered my mother toward an asset-allocation fund as a good place to invest her retirement plan rollover balance. The logic was, I thought, impeccable: A professional money manager would be keeping an eye on and rebalancing those investments on a regular basis. The fee was reasonable, and the portfolio was split about 60/40 between stocks and bonds, which also seemed reasonable in view of her investment horizon. From time to time Mom would call and ask if we needed to rebalance that investment — and I confidently assured…
  • Crisis "Centered"

    4 Oct 2014 | 1:53 pm
    Is there a retirement crisis or not?  Though you may have missed it, last week a Wall Street Journal op-ed (subscription required) claimed that there was an “imaginary” retirement income crisis that was being pushed by some who want to boost Social Security benefits and reduce tax incentives for saving (such as those available to 401(k) plan participants). In fact, authors Andrew Biggs and Syl Schieber claimed that the statistics relied on by the crisis were “vast overstatements, generated by methods that range from flawed to bogus.”Within a day, New School…
  • "Left" Overs?

    27 Sep 2014 | 2:23 pm
    I’ve never been big on leftovers. Now, I know that many relish the taste of cold pizza for breakfast, while others swear that a desirable marinating takes place during storage. As for me, no matter how good the original dish, and despite the wonders of microwaving, I have a hard time getting excited about sitting down to a meal comprised of things that (at least in some cases) weren’t good enough to finish the first time. When it comes to retirement savings, most still seem to “begin” with whatever is “left over” — after bills, living expenses, food and the like. Not that…
  • "Working" Capital

    12 Sep 2014 | 7:14 pm
    In response to concerns that tomorrow’s retirees will run short of money, we are often told to save more, to work longer, or — as often as not these days — to work longer and save more. Certainly working and saving longer can do wonders in terms of stretching your retirement nest egg.It should probably come as no surprise that American workers are expecting to work longer. The Retirement Confidence Survey notes that in 1991, just 11% of workers expected to retire after age 65. This year that was up to 33% of workers, and another 10% who said they don’t plan to retire at all.However,…
  • Under Covered

    5 Sep 2014 | 7:23 pm
    Have you heard this one? “Only about half of working Americans are covered by a workplace retirement plan.”Sure you have. It’s a statistic that is widely cited and reported, both in the mainstream press and on Capitol Hill. It comes from a reliable, objective source (the U.S. Census Bureau’s Current Population Survey) and conjures up a compelling need for action by advisors (and others) hoping and working to expand the availability of workplace retirement plans.In reviewing the Census Bureau data, the Employee Benefit Research Institute (EBRI) recently noted that, in 2011, 78.5…
 
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    Sensible Money - Scottsdale Financial Advisors

  • 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…
  • November’s Online Class: The Secret to Finding the Perfect Investment

    Dana Anspach
    10 Oct 2014 | 6:42 pm
    November’s Class: The Secret to Finding the Perfect Investment – Click pic above to register. In November’s free online investment class we’re going to cover basics like what is a stock, what is a bond, how mutual funds work, the difference between passive and active investing and much more. Then we’re going to look at this in light of the ongoing quest for the “perfect investment” and how you can use this info to design the perfect investment approach for you. This class will be live. It will run about one hour followed by questions and answers. It will…
  • 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…
  • What Should a Retirement Withdrawal Plan Include?

    Dana Anspach
    20 May 2014 | 2:21 pm
    Retirement income planning involves knowing how much to pour each year, and out of what bottle. Imagine you are headed out on a hike. If it’s going to be a long hike, you’ll likely wear a Camelback and maybe even fill up a few extra bottles to take with you. This process of filling up your bottles represents the savings, or accumulation phase, of your financial life. Once retired, the process changes. Now you need to determine how much you can drink from each bottle, and over what time frame, to make sure you have enough to last throughout the adventure. This is the decumulation…
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    FutureAdvisor Blog

  • The United States of Apple: A State-­by­-State Analysis

    Chris
    17 Oct 2014 | 3:00 am
    Apple and General Electric are by far the most popular stocks among US retail investors, a FutureAdvisor study of 161,000 investors shows. Apple was the most widely held stock in 45 states and the District of Columbia, and General Electric was the second­most in 30 states plus DC, the study shows. In three states Apple was no. 2, and in Wyoming, General Electric was no. 1. While Apple has the largest market capitalization among US companies, being popular among retail investors does not always follow. ExxonMobil, no. 2 for market cap, is 30th in popularity among retail investors covered by…
  • The Benefit Of Being a Long Term Investor

    Simon Moore
    29 Sep 2014 | 12:19 pm
    The S&P 500 since 1950 has fallen 47% of the time on a daily basis. That means that chance of the market rising or falling each day is a shade better than a coin toss. However, the market falls only 27% of the time on a 12 month, and only 7% of the time when you look at a rolling 10 year view. From a historical standpoint the chance of market decline reduce significantly as your time horizon lengthens. On a daily basis, all of us are really guessing as to how the market will do. Nonetheless, over the course of a decade, it’s surprising if stocks don’t rise in value. What looks almost…
  • Birth Control: A Twenty-Something’s Best Asset Class

    E.A. Mann
    16 Sep 2014 | 8:59 am
    Let’s say you’re a twenty-something with money to invest. Maybe you just started your first real job. Of course you’ll want to fund your 401(k), especially if there’s an employer match. You should open a Roth IRA. You may even want to start saving toward your first home purchase. But at the end of the day, your best performing investment might be your stock of birth control. It doesn’t have a ticker symbol and it doesn’t pay a quarterly dividend, but it insures against one of the biggest expenses a young person can incur: an unexpected child with an arbitrary partner. We know that…
  • Study: Uber Pulls Ahead of Lyft in Riders and Revenue With 12x Lead in U.S.

    Chris
    11 Sep 2014 | 6:00 am
    Uber has pulled ahead of Lyft in terms of revenue, riders, revenue per rider and absolute growth rates in the U.S., according to exclusive data from FutureAdvisor. Uber’s revenue was about 12 times Lyft’s for the 12 months until May 2014 in the US market, data tracking 3.8 million active credit and debit card users show. Those customers spent $28.6 million on Uber and Lyft for the period of June 2013 to May 2014. Of that, $26.4 million went to Uber and $2.2 million went to Lyft, the data show. During that same period, Uber provided more than 7 times the rides that Lyft did, and…
  • 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…
 
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    Brunswick Plantation Living

  • Pat and Ron Melvin…From Intrique to Amour At Brunswick Plantation

    Bev
    30 Oct 2014 | 11:00 am
    Brunswick Plantation and Golf Resort ® is a dynamic gated golf community in Coastal Carolina that lots of Friendly Folks call Home! Pat and Ron Melvin are one Happy couple that actually lived and met at Brunswick Plantation before their marriage … Continue reading → The post Pat and Ron Melvin…From Intrique to Amour At Brunswick Plantation appeared first on Brunswick Plantation Living.
  • Energy Star LED light bulbs: the bright choice- shared by Brunswick Plantation Living

    Kevin Anderson
    27 Oct 2014 | 3:07 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 Energy Star LED light bulbs: the bright choice- shared by Brunswick Plantation Living appeared first on Brunswick Plantation Living.
  • “The Warrior Ride” Coastal Carolina Tour… Honored at Brunswick Plantation

    Bev
    23 Oct 2014 | 8:30 am
    The Coastal Carolina Tour of “The Warrior Ride”…October 15 – 18 this year was a revered event for everyone! Folks at Brunswick Plantation and Golf Resort ® were honored to have the participants and their staff and caregivers stay in … Continue reading → The post “The Warrior Ride” Coastal Carolina Tour… Honored at Brunswick Plantation appeared first on Brunswick Plantation Living.
  • Coastal Living News And Events 10.14

    Bev
    14 Oct 2014 | 5:58 pm
    Coastal Living in the Carolinas is good any time of year. Autumn is an awesome  season with many reasons to celebrate the Good Life at Brunswick Plantation and Golf Resort ! These are just a few ideas for places and … Continue reading → The post Coastal Living News And Events 10.14 appeared first on Brunswick Plantation Living.
  • Golf News from the Pro 10.14 by Brunswick Plantation Living

    Kevin Anderson
    14 Oct 2014 | 9:36 am
    Hello again Members and Property Owners, Fall Golf Season: is here and that brings us great weather and wonderful playing conditions!  October is a popular month at Brunswick Plantation & Golf Resort and a busy one too!  Please be sure to … Continue reading → The post Golf News from the Pro 10.14 by Brunswick Plantation Living appeared first on Brunswick Plantation Living.
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    Retirement And Good Living

  • An Early Retirement Experiment in Malaysia

    Rob Kaplan
    29 Oct 2014 | 8:27 am
    Adventurous by nature, my wife and I began pondering early retirement not long after our wedding. Although successful from a professional point of view, we always viewed our jobs as a registered nurse and a financial services administrator as a gateway towards something more rewarding than a good paycheck.  Raised in a generation devoid of ...more
  • Creating Alternative Ways to Live in Community as You Age

    Beth Baker
    25 Oct 2014 | 11:15 am
    Until recently, the living options for those in the “third third” of life were limited: living alone, moving in with your kids, or going to a traditional retirement community. But now, people across the country are re-imagining their lives in retirement. They are coming up with a remarkable number of alternatives. Among them:   Housing ...more
  • Lunch With Mars/Venus’ John Gray

    Ken Solin
    21 Oct 2014 | 2:24 pm
    I met John Gray, best selling author of Men Are from Mars, Women Are from Venus for lunch recently. His continued passion for his work is palpable. We covered quite a few topics related to sex, dating, and relationships over two hours. But his work regarding ADHD and boomer relationship commitment, the topic of his ...more
  • The Long Road to Thailand

    Steven LePoidevin
    19 Oct 2014 | 5:06 pm
    Gazing out from my ninth floor balcony in the heart of Chiang Mai, it is interesting to reflect on how we ended up retiring to a remote city in Northern Thailand half a world away from my family in Eastern Canada. How did my career path lead me to this part of the world and ...more
  • Aging and Immunity are influenced by nutrition

    Professor Arne Akbar
    17 Oct 2014 | 9:07 am
    The number of people aged 60 and over will reach 2 billion by the year 2050. Older subjects have increased morbidity and mortality after infections and it is estimated that 90% of the 10,000–40,000 excess deaths attributed to influenza annually in the United States occur in individuals who are ≥65 years of age. Therefore the ...more
 
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    A Satisfying Retirement - Is a Lifestyle You Choose

  • One Year Ago: Are We Feeling Better Yet?

    Bob Lowry
    30 Oct 2014 | 2:00 am
    Just about one year ago we began the adventure called by various names, with Obamacare, the one used most often. The infamous web site, Healthcare.gov, was launched to great fanfare - and quickly became a disaster. The president's signature legislative program almost ended before it began. While I don't think the miscues were related to the hacking problem I wrote about a few weeks ago, the government couldn't design a web site that worked.One year later, where are we? The new enrollment period for health coverage starts on November 15th and runs through February.
  • What To Do When Things Are Rocky With Your Parents

    Bob Lowry
    26 Oct 2014 | 2:00 am
    This was first posted about 3 1/2 years ago, well before Satisfying Retirement had many readers. Since it is a subject that continues to concern many of us, I decided to give it fresh exposure. I think many of the thoughts can also apply to siblings and marriages. I am most interested in your thoughts and feedback on this topic. Not long ago a reader asked for some feedback on the important issue of dealing with a difficult parent. This problem is one that many of us are facing now, or will have to deal with in the future. I don’t pretend to be an expert in this area of human relationships.
  • Not A Lot Has Changed In 4 Years

    Bob Lowry
    22 Oct 2014 | 2:00 am
    One of the reasons I started Satisfying Retirement was because of the near universal focus on retirement finances on blogs available on the Internet. Of course I had financial questions, like when to begin Social Security, should I pay off my mortgage as soon as I could, would I benefit from consulting a financial advisor?But, when I first began to think of closing my company and retiring I was also looking for practical help on all the issues that would affect my life if I stopped working: keeping relationships healthy, dealing with boredom and lots of free time, maintaining my…
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    Early Retirement Extreme

  • The blender, the spice grinder

    Jacob
    31 Oct 2014 | 7:01 pm
    As it turns out, our $25 blender can grind spices to a flour like powder on the ice crushing setting. I did not know that! Knowing that could have saved a lot of hours with the mortar and pestle, and it could also have saved the 15 bucks spent to get it a few years ago. Now I’m wondering, what else don’t I know. Which other cooking utensils can do double duty? Almost all cutting jobs can be done with a serrated utility knife. This can cut directly into a plate eliminating the cutting board. A lid held just right replaces a colander. Glass jars with lids can double as drinking…
  • What does being (early) retired mean?

    Jacob
    31 Oct 2014 | 6:59 am
    I have had some issues defining myself now that I can no just fling out a job title. First, I used the term “retired”, but then I got the impression that I was not allowed to do anything that earned me money; that I should essentially sit back and withdraw money from my savings. I then started using the term “semi-retired”. Of course, this implied that I still had to have some kind of job to sustain me, maybe working half-time or half-season; in that regard I have said that I was a “semi-retired ” depending on who I talked to. What it really means though is…
  • Pilaf: To really slash your grocery budget

    Jacob
    30 Oct 2014 | 6:56 pm
    I read once in Luxury Fever that it’s quite possible to get used to eating the same meal three times a day, day in and day out. As long as a diet is well-balanced, there’s no harm in repetition. I bet the reason that people are told to eat a varied diet is similar to the reasons behind index fund investing: If you’re clueless, eating a random selection which eventually averages out to whatever everybody else is reading is the most generic recommendation that’s likely not to harm you more than the average. Can you say corn syrup? The cheapest “base food” I…
  • Becoming less productive and less competitive

    Jacob
    30 Oct 2014 | 6:54 am
    Modern man has an endless fascination with productivity. There is always something that could be done faster or more effective. Productivity is not a natural state though. You do not see an animal trying to be more productive. It simply does its thing, takes what it needs and no more. Not humans, they always take more than they need or do more than they have to. Does this derive from competitiveness with productivity leading to promotion? If so, it is a tragedy of the commons. The reason is that productivity methods are soon copied by the competition and once that happens you have to work…
  • The two personal finance books that changed my life

    Jacob
    29 Oct 2014 | 6:51 pm
    I really like “Rich Dad Poor Dad” (The Cashflow Quadrant) and “Your Money Or Your Life“. While Your Money Or Your Life made me reevaluate whether an expense was really worth it, Rich Dad Poor Dad changed the way I thought about money. I must admit that prior to reading Rich Dad Poor Dad my whole mindset regarding money was that it was something I earned in order to spend. The more I earned, the more I could spend. Frequently when we are very set in a paradigm it is hard to see the alternatives. The idea of accumulating enough money to get the money to work for me…
 
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    Retirement: A Full-Time Job

  • 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…
  • Back to Blogging

    Retired Syd
    10 Oct 2014 | 3:18 pm
    Wow, it sure has been a long time since I’ve checked in with you all!  I promised Diane C. that I would resume postings today, thanks for the nudge Diane--and thanks to all you others for your nice emails. While I haven’t been posting on my blog recently, I have been busy with interviews for other publications.  I did an interview with Kiplinger’s Retirement Report (where you’ll also see Tom at Sightings at 60), a podcast (sorry no link yet), and another interview with Premier Reverse Mortgage. I’m always surprised how long conversations can be so condensed into articles from…
  • 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…
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    Oblivious Investor

  • Investing Blog Roundup: Schwab “Intelligent Portfolios”

    Mike
    31 Oct 2014 | 5:00 am
    The big news in the investment world this week is Schwab’s announcement of their “Intelligent Portfolios” platform, scheduled for release in early 2015. They haven’t provided all the details yet, but it looks to be a rebalancing and tax-loss harvesting service (much like the services provided by Betterment or Wealthfront), with one big difference being that it will be free. The Finance Buff has the scoop: Schwab Intelligent Portfolios: Game Over For Betterment and Wealthfront? from The Finance Buff Other Money-Related Articles Boring, High-Quality Bonds and Why…
  • What Does it Mean for Something to Be “Priced In”?

    Mike
    27 Oct 2014 | 5:00 am
    A reader asks: “[At the recent Bogleheads event], Vanguard economist Roger Aliaga-Díaz spoke about a number of trends occurring in various parts of the world — things like the slowing of China’s economic growth rate. When asked what we should do with our portfolios because of these trends, he kept saying that all the trends are already ‘priced in.’ What specifically does that mean?” At any given time, the price of a stock reflects the market’s consensus expectations about the company’s future earnings. For example, if the market expects Google to have rapid…
  • Investing Blog Roundup: Bogleheads Conference

    Mike
    24 Oct 2014 | 5:00 am
    I’m flying home today from the annual Bogleheads event. As always, it’s been fun to chat with many Oblivious Investor readers face to face. And, as always, the visit to Vanguard and their ask-the-expert panel was very interesting. I’m looking forward to writing about a few of the conversations over the coming weeks. Investing Articles Low Volatility — Having Your Cake and Eating It from Monevator The MythBusters Approach to Investing: Indexing in Inefficient Markets from Chris Philips Investing for Retirement in a 529 from Jim Dahle Other Money-Related Articles 8…
  • Should I Invest in Schwab’s Fundamental Index Funds?

    Mike
    20 Oct 2014 | 5:00 am
    A reader writes in, asking: “I currently use three Schwab ETFs for my portfolio: Schwab U.S. Broad Market, Schwab International Equity, and Schwab Short-Term U.S. Treasury. But I’ve been reading about their Fundamental Index Funds and ETFs as well. The idea of allocating to companies according to sales and cash flow makes a lot of sense to me. Do you think it would be prudent to add some of these funds to my existing holdings?” As a bit of background information: Traditional index funds (and ETFs) are market-cap weighted. This means that each stock (or bond) held in the…
  • Investing Blog Roundup: Buying Insurance

    Mike
    17 Oct 2014 | 5:00 am
    This week, I enjoyed three articles about buying insurance. Karen Haywood Queen shares a strategy for saving money on life insurance. Jim Dahle warns against a common (but poorly-reasoned) sales pitch for life insurance. And Michael Kitces offers a guiding overall philosophy on when and when not to buy insurance. Saving with a Life Insurance Ladder from Karen Haywood Queen The Retirement “Tax Trap” — Another Way to Sell You Unnecessary Insurance from Jim Dahle You Should Only Buy Insurance That’s Expected to Lose You Money from Michael Kitces Investing Articles…
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    Getting Your Financial Ducks In A Row

  • To Roll or Not to Roll?

    sraskie
    31 Oct 2014 | 5:00 am
    At some point in almost everyone’s lifetime they have gone through the process of changing jobs. Many times those jobs offered retirement plans such as 401(k)s 403(b)s, etc. Conventional wisdom would say that for most employees it may make sense to roll their employer sponsored plan into an IRA. Based on a request from a reader (thanks David!), I thought I would go over some of the issues to consider before rolling your employer sponsored plan to an IRA. Check expenses. Generally, many employer sponsored plans are able to offer their respective investments (generally mutual funds) for much…
  • Social Security Bend Points for 2015

    jblankenship
    29 Oct 2014 | 5:53 am
    Along with the increases to the maximum wage base and the Cost-of-Living Adjustment (COLA) announced by the Social Security Administration, the 2015 bend points used to calculate both the Primary Insurance Amount (PIA) for Social Security benefits were announced as well. In addition, the Family Maximum Benefit (FMax) bend points for 2015 were also announced. Primary Insurance Amount Bend Points The bend points for calculating individuals’ Primary Insurance Amounts (PIA) for 2015 will be $826 and $4,980.  These are used to calculate your PIA from your Average Indexed Monthly Earnings…
  • 2015 Contribution Limits for Retirement Plans

    jblankenship
    27 Oct 2014 | 5:19 am
    The IRS recently published the new contribution limits for various retirement plans for 2015.  These limits are indexed to inflation, and as such sometimes they do not increase much year over year, and sometimes they don’t increase at all. This year we saw a few increases for some contribution amounts, and the income limits increased for most types of accounts after virtually no changes to the contribution amounts in 2014. IRAs The annual contribution limit for IRAs (both traditional and Roth) remains at $5,500 for 2015 (second year without an increase).  The “catch up” contribution…
  • Why You Should Consider Long Term Care Insurance

    sraskie
    24 Oct 2014 | 5:00 am
    Long term care insurance is insurance that will pay in the event that an individual needs caregiving due to a number of afflictions or diseases. For example, if an individual is suffering from Alzheimer’s disease or dementia they made needs round the clock care. Generally, that care is provided by family members, with the majority of caregivers being daughters and spouses of caregiver. The costs for needing long term care can be expensive. Depending on the area of the country, care can range from $50,000 to $80,000 per year to stay in a nursing home and may run in the range of $20 to $30…
  • Social Security Wage Base Set for 2015

    jblankenship
    22 Oct 2014 | 10:50 am
    Photo courtesy of Ryan Tauss on unsplash.com The Social Security Administration has set the maximum taxable wage base for 2015 at $118,500. This represents an increase of $1,500 over the 2014 wage base of $117,000, an increase of 1.28%. Post originally appeared as Social Security Wage Base Set for 2015 on Getting Your Financial Ducks In A Row The post Social Security Wage Base Set for 2015 appeared first on Getting Your Financial Ducks In A Row. Related posts: Social Security COLA for 2015 Set at 1.7% A Little-Known Social Security Spousal Benefit Option Your Social Security Benefits: Are…
 
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    Personalincome.org

  • Luck League Review – Should you Join This Community of Entrepreneurs?

    Kevin Mercadante
    31 Oct 2014 | 11:29 am
    Do you ever think that you would give just about anything to learn how people are making small and large fortunes by marketing their businesses on the Internet? There’s some good news here – you can learn how to make money with an online business, but you won’t have to give just about anything to learn about it. A program called Luck League is available, that will teach you how to start and build a successful online business – one that you can work from the comfort of your own home – from someone who has done it already, several times. What is Luck League? Luck League is a program…
  • 5 Surprising Habits of the Ultra-Wealthy

    Miranda Marquit
    29 Oct 2014 | 5:57 am
    I’m not really interested in becoming ultra-wealthy. For the most part, I’m happy to be able to cover my needs, invest for the future, and do a great deal of what I want with my life. I have a great deal of freedom, and becoming ultra-wealthy is not a goal I have. However, I can see how some of the habits of the ultra-wealthy can ensure my continued financial freedom. No matter your current income level, or your future wealth goals, learning from the success of others can be a good way for you to look at where you stand right now, and figure out how to tweak your habits in order…
  • Success Council Review – The Bitcoin Tipping Point is About to Happen

    Kevin Mercadante
    25 Oct 2014 | 12:29 pm
    The world is going to hell in a hand basket – there are a lot of people and websites discussing that topic. But along comes a site – Success Council – that not only talks about it, but they also provide concrete steps as to how to survive it, thrive in it, and prepare to build a better world on the other side of the oncoming global train wreck. A lot of people, probably the majority, dismiss this kind of talk as being part and parcel of the radical fringe. But if you are of the opinion that we are heading into just such a debacle, then this is one website that you need to…
  • Bitcoin Wealth Alliance Review – Should You Start Investing in Bitcoin?

    Donny Gamble
    23 Oct 2014 | 8:19 am
    You’ve probably heard a lot about Bitcoin, the most common name in cyber crypto-currencies. The price has been swinging wildly in the past couple of years, making some people overnight millionaires, and sending others to the poor farm. But there is a program available, called Bitcoin Wealth Alliance, that can make sense of this mysterious new currency, and even show you how to make big profits on it on an ongoing basis. What is the Bitcoin Wealth Alliance? Bitcoin Wealth Alliance was started by Chris Dunn, a well known trader who has made a fortune trading other investment assets. He…
  • How to Write a Business Plan – 7 Key Elements You Need to Have

    Miranda Marquit
    21 Oct 2014 | 7:10 am
    One of the most important things you can have as an entrepreneur is a business plan. Your business plan is the key to your future. It allows you to gain perspective, reflecting on your business, and what makes it tick, so that you can project your actions into the future. Not only can a business plan be a useful tool for you as you plot your course as an entrepreneur, but it can also help you secure the funding and support you need to make your business work. No lender will approve you for a loan without first seeing your business loan, and no investor or venture capitalist will give you a…
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    Florida Retirement Plan

  • Weekly Market Commentary October 27, 2014

    Gardner Sherrill
    27 Oct 2014 | 6:51 am
    The Markets After a week that left investors wondering what’s next – much like fishermen on a lake as the wind kicks up and the water gets choppy – the wind settled and the fish started biting. U.S. stock markets posted their best weekly returns in almost two years last week. When all was saidRead more
  • Weekly Market Commentary October 20, 2014

    Gardner Sherrill
    20 Oct 2014 | 8:49 am
    The Markets It’s a little early for Halloween, but markets sure got spooked last week. After a 21-month ride to mid-September highs, stock markets jolted and shook investors last week like the most dramatic and scream-inducing rollercoaster at an amusement park’s fright night. Barron’s described it like this: Read more
  • 3rd Quarter 2014 Review

    Gardner Sherrill
    14 Oct 2014 | 2:17 pm
  • Weekly Market Commentary October 13, 2014

    Gardner Sherrill
    13 Oct 2014 | 6:53 am
    The Markets Keep Calm and Carry On. The slogan comes from a United Kingdom Ministry of Information propaganda poster designed to boost morale if the United Kingdom was invaded during World War II. Despite its current popularity, the poster was never distributed. Read more
  • So You Say There’s Gonna be a Revolution

    Gardner Sherrill
    10 Oct 2014 | 7:12 am
    ​ Is another industrial revolution upon us? Sure, sure, historians still debate whether the term ‘revolution’ is a misnomer since the first industrial revolution began in the 1700s and sort of merged into the second industrial revolution in the mid-1800s. Read more
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    Bankrate.com » Retirement

  • Planning dollars and digital assets

    Janet Reusch
    31 Oct 2014 | 12:38 pm
    Estate planning is evolving rapidly in the digital age. Learn how to solidify your legacy.
  • 5 useful Medicare factoids

    Jennie Phipps
    30 Oct 2014 | 12:40 pm
    Here are some details worth knowing as you reconsider your Medicare coverage during open enrollment.
  • 5 steps to rescuing retirement

    Jennie Phipps
    29 Oct 2014 | 10:19 am
    Fixing 401(k)s, making working longer easier, and paying more Social Security taxes are three of the key changes outlined in a new book on the subject of retirement.
  • Get ready to live to 120

    Jennie Phipps
    28 Oct 2014 | 12:19 pm
    Life spans are increasing, with the average 65-year-old likely to live at least two years longer than 65-year-olds were expected to live 10 years ago.
  • 6 ways to flub a small biz plan

    Jennie Phipps
    27 Oct 2014 | 11:51 am
    Owners of small businesses face some of the biggest retirement planning challenges.
 
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    Ira Success

  • Can I Get A Reverse Mortgage With Bad Credit?

    Kathleen Crouden
    20 Oct 2014 | 9:52 am
    One of the many advantages of reverse mortgages is that you do not need good credit to qualify. In fact, although there are requirements to obtain a reverse mortgage, having a good credit score is not necessarily a determining factor. The Federal Housing Administration (FHA) insures almost all reverse mortgages, which allows lenders to loan [...] The post Can I Get A Reverse Mortgage With Bad Credit? appeared first on Ira Success.
  • Why Participate in Your Company’s 401(k) Plan

    Christopher Hardwick
    19 Jun 2014 | 10:53 am
    401(k) plans can provide employees with before-tax contributions and free money from your employer. Were you aware of the match contributions (e.g. free money) and tax benefits offered from 401(k) company sponsored programs?  Outlined below are the pros and cons of a 401(k) plan and whether if it is a good plan for you. Why [...] The post Why Participate in Your Company’s 401(k) Plan appeared first on Ira Success.
  • Adult Children Need To Discuss Later Life Issues With Their Parents

    Jack Tatar
    12 Jun 2014 | 7:42 am
    Each year, concerns mount about the ability for Americans to retire safely.  Only 14% of Americans feel comfortable that they can retire.[1]  In terms of money for retirement, 42% fear they might outlive their savings.[2]  The sad fact is that 57% of pre-retirees haven’t even created a concrete retirement plan.[3] When you add in the [...] The post Adult Children Need To Discuss Later Life Issues With Their Parents appeared first on Ira Success.
  • How to Choose a Financial Advisor

    Jack Tatar
    10 Jun 2014 | 7:04 am
    Examining where you are financially and putting together a Financial Preparedness plan requires a bit of time and effort.  Inevitably, the question pops up as to whether to do this on your own or to work with a financial advisor. The short answer is yes, either way. The long answer is if you choose to [...] The post How to Choose a Financial Advisor appeared first on Ira Success.
  • Becoming Financially Prepared for Retirement – Considering Liabilities

    Jack Tatar
    2 Jun 2014 | 11:02 pm
    When you’re trying to understand if you’re financially prepared for retirement, it’s important to evaluate your current situation and look at four areas: Assets Liabilities What Counts Toward Retirement and What Doesn’t Forms of Income In this article we'll look at how to evaluate your liabilities as well as what counts toward retirement and what doesn't. [...] The post Becoming Financially Prepared for Retirement – Considering Liabilities appeared first on Ira Success.
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    SMSF | SMSF Superannuation | SMSF Specialists | Redwood Advisory

  • 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…
  • SMSF INSURANCE – PREMIUMS ARE DEDUCTIBLE

    Ivan Filipovic
    17 Sep 2014 | 5:36 pm
      The number of SMSFs is increasing with over one million members and 3600 SMSF’s established per month. However, many SMSF members fail to understand the importance of SMSF insurance. The first consideration in starting an SMSF is “is an SMSF right for me?” and if yes, an SMSF is established. Many SMSF investors are quick to open a SMSF bank account and process their rollover from their industry or employer sponsored fund. A key consideration prior to processing your rollover is your current insurance coverage as the transfer may result in insurance ceasing at transfer date. If…
  • HOW TO ROLLOVER INTO YOUR SMSF QUICKLY AND EASILY

    Ivan Filipovic
    15 Sep 2014 | 7:08 pm
    A key part of the SMSF establishment process is rolling over your superannuation balance from your industry/ retail or employer sponsored fund to your Self Managed Superannuation Fund (“SMSF”). If performed incorrectly, this can become a frustrating and timely process. A similar process is followed by most funds, which will include a rollover form, certified identification and a compliance letter. Absence of these documents and the rollover will most likely be declined. Rollover Form The ATO SMSF rollover form can be found here. Note the form is the transfer of ‘whole balance’,…
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    Live My Retirement

  • Retirement Hobby – Art

    Life adventurer
    30 Oct 2014 | 7:43 pm
    livemyretirement.com Sam Houston State University article on art healing As we retire, find a hobby becomes crucially important to keeping us on top of our game! These hobbies vary from art, travel, golf and even dancing. My friend at the KelletDigest.com found this great article that I wanted to share on finding a hobby in retirement. When Sam Houston State University senior art major Laurie Grawl was 37 years old, she suffered a massive heart attack, resulting in damage to 40 percent of her lower heart. After seven years of battling what she learned was a genetic mutation disorder; being in…
  • Retirement Hobby – Hiking Phoenix, Arizona: Shaw Butte

    Life adventurer
    30 Oct 2014 | 7:03 pm
    livemyretirement.com So you find yourself wanting to be hiking Phoenix, Arizona. One such spot I recommend is Shaw Butte in Central Phoenix, a beautiful 4 mile round trip hike perfect that gets great 360 degree views of the city. Shaw Butte Trail Hiking Phoenix, Arizona           What is the hike? It’s 4.0 miles for the round trip in the heart of Phoenix, Arizona. The hike offers a variety of options for retired people, ranging from easy strolls to the more difficult but rewarding Shaw Butte trail that leads you to the top with the radio towers. The hike does offer…
  • Retirement Hobby – Hiking Phoenix, Arizona: Tombs Thumb

    Life adventurer
    30 Oct 2014 | 6:37 pm
    livemyretirement.com Hey Travelers! So you find yourself wanting to be hiking Phoenix, Arizona and it’s not over 100 degrees! Phoenix has many great things to offer as a retirement hobby, especially hiking. One such spot I recommend is Tombs Thumb, a beautiful 5 mile round trip trek perfect for a quick morning walk or late afternoon sunset picnic! Tombs Thumb, Phoenix Arizona Hiking           What is the hike? It’s 4.2 miles for the round trip, with a nice easy starting path. The trail is part of the McDowell Sonoran Mountain Range (North Phoenix and…
  • Technology Help – Laptop Buying

    Life adventurer
    29 Oct 2014 | 8:14 pm
    livemyretirement.com Laptops are a truly fantastic tool that can help your world expand drastically! With this technology help on laptop buying, our goal is to provide some insight on the somewhat complicated process of choosing the right laptop for you. Selecting the Right Laptop for You… Some basic questions before you walk into a store like Best Buy or purchase from an online retailer like Amazon.com, ask yourself some  simple questions on what you need from a laptop. 1. What is the Primary Use? Basic Email and Facebook to stay in touch with family and friends? Surfing the web 30…
  • Retirement Anxiety

    annyb44
    26 Oct 2014 | 10:55 pm
    livemyretirement.com Not everybody wants to hit the floor running when you no longer have to get up and go to a job daily, and the retirement anxiety can be hard, if not life crippling. What does it take to get up? Fight Retirement Withdrawal! For some, sleeping in, taking a walk or playing with grandchildren is enough to get started in your new life.  For others, your inner child might start to come out. No worries!  Selecting things each day that bring you pleasure is a way to say it’s all good. Two arenas for enjoyment include golf and ballroom dance. Studies have shown seniors who…
 
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