Retirement

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  • 3 Things You Should Know About Automatic Enrollment

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

    Brunswick Plantation Living
    Bev
    28 May 2015 | 3:36 pm
    Donna and Jim Stangroom lived in Virginia, and for a few years they came South to vacation at a Time Share in North Myrtle Beach.   In 2003 they saw a sign for Ocean Ridge and decided to take a look.  … Continue reading → The post Donna and Jim Stangroom…So Happy that Brunswick Plantation Picked Them! appeared first on Brunswick Plantation Living.
  • Choosing Where to Spend Your Retirement Years

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

    Early Retirement Extreme
    Jacob
    29 May 2015 | 7:04 pm
    If you have been dreaming about moving into a smaller and more ecologically sound housing project and you live below 40 degrees latitude, you may want to consider moving into an RV. You will probably be surprised that RVs come with many of the ecological/sustainable options that stick homes pay dearly for in terms of redesign and installations. RVs are much smaller than regular houses, the layout is very cleverly thought out, and storage space is much more efficient with things being stored inside the furniture, and much of the furniture converting into other furniture. For instance, our…
  • 5 Surprising Facts About IRAs

    U.S. News - Planning to Retire
    Emily Brandon
    29 May 2015 | 8:58 am
    See how your IRA savings compares to the national averages.
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    Data "Points"

  • 3 Things You Should Know About Automatic Enrollment

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

    16 May 2015 | 3:30 pm
    One of my more frustrating memories of parenthood was trying to help my kids with their homework. Not because I hadn’t covered the territory once upon a time myself, or because I couldn’t manage to refresh my recollection(s) of the subject. It wasn’t enough to teach my kids a method sufficient to arrive at the correct answer, and to help them understand how we got there. No, it didn’t “count” unless I could arrive at the answer by adhering to what struck me as a weirdly inefficient and complicated regimen upon which their teachers insisted. If this was the “new math,” I…
  • 13 Things About Work You Probably Didn’t Learn in School

    9 May 2015 | 3:24 am
    This weekend our youngest will graduate from college. It’s a big day for him, of course, and a big deal for us, having for some part of the past eight years had either one, two — and for one interesting year, all three — of our children in college at the same time.Life has many lessons to teach us, some more painful than others. But as my son — and graduates everywhere — look ahead to the next chapter in their lives, it’s a natural time for the rest of us, particularly those of us who are parents, to reflect on the lessons we’ve learned along the way.So, for my son — and all…
  • On Retirement Plans and Plans for Retirement

    18 Apr 2015 | 10:12 am
    When is a plan not a plan? When you have a retirement plan at work, apparently.The good news is that the 2015 Retirement Confidence Survey shows a strengthening of retirement confidence — at least among those who had some kind of retirement plan (DB, DC or IRA). Indeed, among that group, the number saying they were very confident has doubled since 2013. The bad news? Well, there doesn’t seem to be much in terms of substantive savings accumulations1 or planning behaviors to account for this uptick in confidence. Consider that fewer than half (48%) of workers report they and/or their…
  • 3 (More) Pervasive Retirement Myths - an Academic Perspective

    11 Apr 2015 | 3:30 am
    Last week I highlighted three “myths” about the retirement system that will not die — all the more distressing because they are perpetuated by retirement industry pundits. Here are three more that (mostly) aren’t perpetuated by those who actually work with retirement plans, but by academics.  Academics who, sadly, are often listened to, and cited by those who regulate and legislate these programs.The Match Doesn’t MatterThis doubtless comes as a surprise to those of us who work with retirement plans and retirement plan participants. More precisely, there are a few studies out…
 
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    Brunswick Plantation Living

  • Donna and Jim Stangroom…So Happy that Brunswick Plantation Picked Them!

    Bev
    28 May 2015 | 3:36 pm
    Donna and Jim Stangroom lived in Virginia, and for a few years they came South to vacation at a Time Share in North Myrtle Beach.   In 2003 they saw a sign for Ocean Ridge and decided to take a look.  … Continue reading → The post Donna and Jim Stangroom…So Happy that Brunswick Plantation Picked Them! appeared first on Brunswick Plantation Living.
  • Music on Main Concerts…Shag Dance and Shop in N. Myrtle Beach

    Bev
    21 May 2015 | 5:00 am
    Brunswick Plantation and Golf Resort ® is the prefect location to for recreation and relaxation in Coastal Carolina! Located in Calabash, North Carolina and minutes from Little River & N. Myrtle Beach, South Carolina…Enjoy a smorgasbord of vibrant entertainment and activities … Continue reading → The post Music on Main Concerts…Shag Dance and Shop in N. Myrtle Beach appeared first on Brunswick Plantation Living.
  • Coastal Living News and Events 5.15

    Bev
    17 May 2015 | 4:29 pm
       Brunswick Plantation and Golf Resort ® is in a perfect location for events, activities, and entertainment in North and South Carolina. North to Sunset Beach, one of the charming area coastal beaches, and 3 miles South to Little River … Continue reading → The post Coastal Living News and Events 5.15 appeared first on Brunswick Plantation Living.
  • Brunswick Plantation News and Events 5.15

    Bev
    17 May 2015 | 4:27 pm
    BrunswickPlantation and Golf Resort ® is a dynamic gated community in Coastal North Carolina.  There are so many energetic folks living here and sharing their vast array of talents with friends and neighbors! It keeps the excitement in the air for … Continue reading → The post Brunswick Plantation News and Events 5.15 appeared first on Brunswick Plantation Living.
  • Golf News from the Pro 5.15 by Brunswick Plantation Living

    admin
    17 May 2015 | 4:22 pm
    Hello to All: May brings beautiful sunny and warm days and we have had plenty of wonderful days. Our course is starting its way back to summer shape. The cooler than average winter/spring has not allowed the Bermuda grass to … Continue reading → The post Golf News from the Pro 5.15 by Brunswick Plantation Living appeared first on Brunswick Plantation Living.
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    Retirement And Good Living

  • Choosing Where to Spend Your Retirement Years

    Dr. Sara Zeff Geber
    23 May 2015 | 4:39 am
    The ocean? The mountains? Downsize? Upsize? Near the grandkids? With other retirees? Seek peace, quiet and solitude? Get closer to the action? So many choices are now available to those with the freedom to move anywhere they like – or nowhere at all. How should you make this huge decision?   First of all, it’s ...more
  • Health and Medical Care While Travelling the World. Seventy is the new fifty – except for the cost of health insurance!

    Alison Armstrong
    15 May 2015 | 3:09 am
    We have been living a nomadic life for almost four years now. We’ve traveled to 24 different countries and usually spend six months at a time overseas in various parts of the world, ranging from Italy and Spain to South America to the South Pacific islands of Samoa and Fiji, to India and Southeast Asia, ...more
  • Say What? Braces? At My Age?

    Linda Vernon
    13 May 2015 | 3:07 am
    One of the things about aging no one ever mentions is the inevitable transmigration of one’s teeth. For the last 50 years or so, my teeth have been slowly but surely jockeying for position. A position, I might add, they have absolutely no business being in.   That’s because my teeth are unrealistic. They are ...more
  • Pura Vida, the cultural differences between the U.S. and Costa Rica

    Mark Van Patten
    9 May 2015 | 4:26 am
    Suppose your spouse had taken a day trip with some friends and you were to await a phone call for a time to make the pick up.   Now suppose you didn’t get the call because your cell phone service didn’t work.   Now suppose, 30 minutes later your spouse got a call through and ...more
  • Retired to Tenerife

    Diane Gateley
    7 May 2015 | 4:50 am
    We first came to Tenerife on Holiday in the early 80’s, we loved it and like a lot of people we commented to each other ‘one day we will live here’, on returning to the UK we got caught up with our Mail Order Business selling motor racing parts and life continued , but that ...more
 
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    Early Retirement Extreme

  • Ecological housing – consider an RV

    Jacob
    29 May 2015 | 7:04 pm
    If you have been dreaming about moving into a smaller and more ecologically sound housing project and you live below 40 degrees latitude, you may want to consider moving into an RV. You will probably be surprised that RVs come with many of the ecological/sustainable options that stick homes pay dearly for in terms of redesign and installations. RVs are much smaller than regular houses, the layout is very cleverly thought out, and storage space is much more efficient with things being stored inside the furniture, and much of the furniture converting into other furniture. For instance, our…
  • The rise and decline of the American middle class

    Jacob
    29 May 2015 | 7:02 am
    The article, The Coming Fury of an Angry America (via @mymoneyshrugged), explains the predicament of the middle class very well. This further strengthens my resolve not to join the middle class. In my opinion, the middle class has as its fundamental core problem the issue of willingly becoming a single cog in a machine it does not control, being heavily indebted from student loans (to become the cogs), car loans (to get to work and to feed oneself, and also to get laid, at least if you live in L.A.), and mortgages and credit cards (because what else could one possible spend one’s life…
  • Potato pancakes – dinner for less than $1

    Jacob
    28 May 2015 | 7:00 pm
    You need a bag of mealy potatoes, an onion, some eggs, and a ton of cooking oil. This will basically be a meal so full of fat, starch, and cholesterol that you’ll be able to hear your arteries hardening while you eat it. Peel about 2-3 times the number of potatoes you would usually eat as a side dish if they were cooked and shred them using a grater. Unfortunately we don’t have a grater so this was one of those rare instances where the food processor came in handy. Also shred an onion to taste and dump it in with the potatoes. Dump the shredded material on a towel and wring out as…
  • My theory of persuasion

    Jacob
    28 May 2015 | 6:56 am
    My theory or persuasion is very simple and probably colored by the fact that I, in terms of personality, am very different from most people (present company mostly excluded) in that I am not very good at convincing most people that what I say is correct. (Mind you, I have a very good track record of being correct, but that’s besides the point.) Now this may be skewed by the fact that I tend to think somewhat differently compared to most people (present company mostly excluded) and therefore I have some actual convincing to do. Conversely, most people think mostly in the same way and…
  • Make your own refried beans

    Jacob
    27 May 2015 | 6:53 pm
    Here’s how to make refried beans (unit cost: negligible) First you get a 20lbs bag of pinto beans for free at freecycle.org Second, you take a large bowl and soak the some beans in water all day. Third, you cook them in a pressure cooker. An ordinary pot works as well, but it takes 3 times as long and requires 6 times as much electricity, gas, etc. Fourth, you mince an onion and crush a few garlic. By a few I mean a lot Fifth, you saute the onion and garlic in a deep pan until golden brown. Cast iron works great(*). I use one of these. Use more oil than you think.You probably want to…
 
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    Retirement: A Full-Time Job

  • Picturing Retirement: Meet Fia

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

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

    Retired Syd
    12 May 2015 | 10:06 am
    (Photo Details:  Siem Reap 2014, Vines holding up the temple at Ta Phrom) Yesterday I wrote about the 4% rule and why I still think it’s a great place to start your retirement plan, despite the rule’s detractors.   A few days ago, a reader sent me this New York Times article (thanks DGP):  New Math For Retirees and the 4% Rule. The article gives you a great rundown of the 4% rule and also touches on some of the criticisms: "In a recent analysis, Mr. Pfau compared several withdrawal strategies in an attempt to illustrate how spending patterns might change to guarantee that a portfolio…
  • Is the 4% Rule Dead?

    Retired Syd
    11 May 2015 | 2:30 pm
    (Photo Details:  May 2015 at the Kentucky Derby.  Is retirement planning like betting on a horse race?) The 4% “rule” is based on financial planner William Bengen’s analysis of 80 years of historical stock market, bond market, and inflation rate data.  By studying every 30-year slice of history within that 80-year period, Bengen showed that a retiree who is able to live off 4% of her beginning retirement nest egg (and that same dollar amount, adjusted for inflation each year), would never run out of money if she lived as long as 30 years.  In most cases, our retiree would wind up…
  • Tax Season

    Retired Syd
    17 Mar 2015 | 4:18 pm
    (Photo Details:  My last tax season) I drove by my old office last night and it struck me that it is tax season and I'm driving home from class at 9pm, not driving home from work at 9pm.  What a nice feeling. But in the spirit of tax season, I have two new posts over at the Wall Street Journal's Experts blog, both having to do with taxes: The Case for Earlier Withdrawals From IRAs Two Dumb Financial Decisions I Made-and Why I Made Them In other tax news, twice this week I got a call from a guy claiming to be an IRS Auditor.  I was to call back immediately to avoid arrest.  I almost called…
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    Oblivious Investor

  • Investing Blog Roundup: IRS Data Breach

    Mike
    29 May 2015 | 6:00 am
    The IRS announced this week that identity thieves used the online “Get Transcript” application to successfully obtain tax return information of more than 100,000 taxpayers. Kelly Phillips Erb has more information: Identity Thieves Accessed Tax Transcripts For More Than 100,000 Taxpayers from Kelly Phillips Erb Investing Articles Annuities: Useful But Little Understood from Squared Away Blog Can Indexing Become Too Big? from Allan Roth Making Investment Decisions: Focus on What You Can Control from Vanguard With Short-Term Goals, Go for a Bird in the Hand from Carl Richards Other…
  • Does Including International Stocks Really Make You More Diversified?

    Mike
    25 May 2015 | 5:00 am
    A reader writes in, asking: “I’ve read that Mr. Bogle doesn’t think investors should use an international allocation. His argument makes sense to me. With our globalized economy, it seems that the performance of companies here in the United States would be dependent on what is going on in other countries anyway, allowing for international diversification without an international fund. What do you think?” This is one topic where, despite my immense respect for Jack Bogle, I do not agree with his position. I strongly prefer to have international stocks in my portfolio.
  • Investing Blog Roundup: Rick Ferri Launches Robo-Advisory

    Mike
    22 May 2015 | 5:00 am
    This week, well-known author/advisor Rick Ferri announced that he will soon be launching a robo-advisory service, targeted toward younger investors. Cinthia Murphy of ETF.com has the scoop: Rick Ferri Launching a Robo-Advisory from Cinthia Murphy Investing Articles Supreme Court Makes It Easier to Sue Over 401(k) Plans from Associated Press The Perfect Financial Advisor from Jim Dahle Our Investment Mistakes Benefit Future Generations from Rick Ferri Other Money-Related Articles Financial Success in a High Cost of Living Area from The Finance Buff Lange’s Cascading Beneficiary Plan…
  • Moving Money from Taxable Accounts to Retirement Accounts

    Mike
    18 May 2015 | 5:00 am
    A reader writes in, asking: “I recently came into some money, about $40,000 of assorted stocks. Is there a way to get this into one of my retirement accounts? I gather that I am not allowed to roll it into my 401K or IRAs, is that correct?” It is correct that you cannot roll money from a regular taxable brokerage account into a retirement account. (If you could, there would be no point in having contribution limits, because you could save as much as you wanted in a taxable brokerage account and just roll it over.) However, there may be a way to ultimately get the money into a…
  • Investing Blog Roundup: Finding Balance in Bonds

    Mike
    15 May 2015 | 5:00 am
    Update: Vanguard unpublished the article mentioned below for some reason. I’ve asked them via Twitter if they’ll be republishing it, but have not yet received an answer. Over the last several years, with interest rates being so low, many investors have been making changes to their bond portfolios. Some are choosing longer duration bonds in the hope of getting a decent yield, while other investors are making exactly the opposite decision — using short-duration bonds in order to minimize the price decline they’ll experience when rates do eventually go up. This week,…
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    Getting Your Financial Ducks In A Row

  • Is a Reverse Mortgage Right for You?

    jim@blankenshipfinancial.com (Jim Blankenship)
    29 May 2015 | 5:00 am
    As individuals near retirement there may be a need for additional income in order to support their living expenses in retirement. On this blog we have discussed creating income streams in retirement with annuities, Social Security optimization, and withdrawal strategies in qualified accounts. For some individuals these streams of income may not be enough. Another potential vehicle to assist with providing income in retirement is a reverse mortgage. Reverse mortgages are where an individual or couple uses the equity in their home to received monthly income payments. Generally, once the owners…
  • Social Security Earnings Test

    jim@blankenshipfinancial.com (Jim Blankenship)
    27 May 2015 | 5:32 am
    When you’re receiving Social Security benefits before your Full Retirement Age (FRA, which is age 66 ranging up to age 67 for folks born in 1960 or later), there is an earnings test which can reduce or eliminate the benefit you are planning to receive. If your earned income* is greater than $15,720 (2015 figure), for every $2 over this limit, $1 will be withheld from your Social Security benefit. So, for example, if you earn $20,000 in 2015, a total of $2,140 in benefits will be withheld – 50% of the over-earned amount of $4,280. If you are receiving a Social Security benefit of $1,070…
  • Mandatory Retirement Plans

    jim@blankenshipfinancial.com (Jim Blankenship)
    22 May 2015 | 5:00 am
    A few weeks ago I finished a paper arguing for mandatory retirement contributions from both employers and employees. Though arguably the paper will not come close to changing public policy on retirement plans, it did raise some arguments in favor of the United States adopting a mandatory savings plan. In the paper I explained that research has shown that individuals risk not having enough saved for retirement. This could be due to employees not having a retirement plan through work or because employees face an abundance of mutual fund options in the plan that they don’t know where to begin.
  • Social Security Survivor Benefit Coordination

    jim@blankenshipfinancial.com (Jim Blankenship)
    20 May 2015 | 5:37 am
    If you’re a widow or widower and you are eligible for Social Security Survivor’s Benefits based on your late spouse’s record, you may have some timing decisions to make that could significantly affect your overall benefits. This is especially true if you are also eligible for Social Security benefits based on your own earnings record. Timing the receipt of benefits is, as with most all Social Security benefits, the primary factor that you can control.  If you have worked over your lifetime and you have a  becomes even more important. The decision process is dependent upon the relative…
  • Complications with Social Security Filing for Divorcees

    jim@blankenshipfinancial.com (Jim Blankenship)
    18 May 2015 | 5:29 am
    Social Security filing decisions are tough enough – and so is being divorced. Add the two together and you have all sorts of complications. In this article we’ll review one type of complication with Social Security filing for divorcees that can work in your favor and one that can work against you. Let’s start with the provision that may work against you – Deemed Filing. Deemed Filing When you file for benefits prior to Full Retirement Age (FRA, which is 66 for folks born between 1943 and 1954, ranging up to age 67 if born in 1960), a provision called “deemed filing” takes effect.
 
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    Personalincome.org

  • Bitcoin IRA: How to Put Bitcoins in Your Retirement Account

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

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

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

    Grayson Bell
    28 Apr 2015 | 7:49 am
    Have you noticed the slight shift of how people are earning their money these days? Entrepreneurship is not a new idea, as it’s been time tested over many generations. What’s happening today is slightly different. It’s a combination of Millennials and the ideas of not being tethered to one place. Millennials are exploding the concept of digital entrepreneurship. Prior to the advancement of the internet, most people made money by working a nine-to-five job for 40 hour a week. We had white and blue collar jobs. People were used to the idea and expected such lifestyle when…
  • New Sharing Economy: 3 Ways to Build a Business

    Miranda Marquit
    21 Apr 2015 | 8:53 am
    Over the last few years, we’ve seen the rise of what many are calling the sharing economy. The sharing economy is marked by people taking a look at what they’re not currently using and then renting it out. While there are some people who just make a few extra bucks here and there by renting out their apartments when they are gone with the help of websites like Airbnb, or by filling idle hours by shuttling people around as Lyft or Uber drivers, the reality is that you can build a business using the sharing economy. Here are 3 unique ways that you can create a business from this new…
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    Florida Retirement Plan | RSS Feed

  • Weekly Market Commentary May 26, 2015

    Gardner Sherrill
    26 May 2015 | 11:18 am
    The Markets You could have set the events of last week to music. Should they stay or should they go? Last week, the Bank of England (BOE), Britain’s central bank, inadvertently sent a memo describing how staffers should handle press inquiries about its confidential research into the possibility of a British exit (Brexit) from the […] The post Weekly Market Commentary May 26, 2015 appeared first on Florida Retirement Plan.
  • Debt, Debt, Debt…….

    Gardner Sherrill
    22 May 2015 | 5:55 am
    The world’s debt is 286 percent of its GDP, according to The Economist. GDP stands for gross domestic product, which is the value of all goods and services produced in a country or region. […] The post Debt, Debt, Debt……. appeared first on Florida Retirement Plan.
  • Weekly Market Commentary May 18, 2015

    Gardner Sherrill
    18 May 2015 | 11:49 am
    The Markets The U.S. Treasury market is a bit like a lake in the midst of a drought. All the action – fish, frogs, crawdads, and such – that was once hidden in the depths has become a lot more visible as the water shallows. […] The post Weekly Market Commentary May 18, 2015 appeared first on Florida Retirement Plan.
  • Unemployment Reporting

    Gardner Sherrill
    15 May 2015 | 8:24 am
    ​ Reading the unemployment tea leaves. Americans have long relied on unemployment statistics to provide insights to our country’s economic health. The Richmond Federal Reserve defined full employment as “the level of employment at which virtually anyone who wants to work can find employment at the prevailing wage.” Interestingly, full employment is not zero unemployment […] The post Unemployment Reporting appeared first on Florida Retirement Plan.
  • Weekly Market Commentary May 11, 2015

    Gardner Sherrill
    11 May 2015 | 7:40 am
    The Markets Government bonds have gone wild! Sure, you might expect high-yield bonds to act unpredictably from time to time. That’s why they’re high-yield bonds. They don’t receive investment-grade ratings – BBB through AAA – from leading credit rating agencies because they’re not considered to be as creditworthy as investment grade bonds and carry a […] The post Weekly Market Commentary May 11, 2015 appeared first on Florida Retirement Plan.
 
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    Redwood Advisory

  • A Beginner’s Guide To Buying Property

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

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

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

    Ivan Filipovic
    7 May 2015 | 11:09 pm
    Whenever you see an interest rate, it may display this awesome low interest rate, then beside it you may see a ‘comparison rate’ which is considerably less attractive – with a (*) and no explanation for the higher rate. Understanding the comparison rate is imperative in choosing the right loan for you. The Comparison Rate is an indicative interest rate that is designed to help members identify the ‘true cost’ of a loan. It takes into account the interest rate and “ fees and charges” that relate to the loan. In simple terms, the comparison rate takes account of the…
  • How to make the most out of record low interest rates

    Ivan Filipovic
    5 May 2015 | 6:33 pm
    The Reserve Bank has cut official interest rates by 25 basis points to a fresh record low of 2 per cent, a fresh injection into the Australian economy and particularly the housing market. If passed on in full by Australia’s “Big 4” banks, this will indicate significant savings – approximately $60 per month on a $400,000 loan – much needed cash in the pocket for many Australians. For first home buyers, this is a perfect time to consider your borrowing power and enter the property market. For existing homeowners, it may be time to refinance their current home loan with home loan rates…
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    Innovative Advisory Group

  • Should You Rent or Buy a Home?

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

    Kirk Chisholm
    18 May 2015 | 8:27 am
    The Real Estate Investor’s Guide: Using a Self-Directed IRA to Buy Real Estate   “Every nickel I make gets put back into real estate.” This is what an investor told me my first week of working on Wall Street. At the time I didn't understand it, but this quote epitomizes the mind of the typical real estate investor. All they know is real estate, all they trust is real estate, and they are not remotely interested in any other type of investment. I get it. Real estate is a very attractive asset class. I discussed some of the reasons for this here, These Top 7 Powerful Tools Can…
  • Deflation – How a Mortgage Can Destroy Your Real Estate Wealth

    Kirk Chisholm
    11 May 2015 | 8:35 am
    Deflation – How a Mortgage Can Destroy Your Real Estate Wealth "Thus inflation is unjust and deflation is inexpedient. Of the two perhaps deflation is, if we rule out exaggerated inflations such as that of Germany, the worse; because it is worse, in an impoverished world, to provoke unemployment than to disappoint the rentier. But it is necessary that we should weigh one evil against the other. It is easier to agree that both are evils to be shunned."   - John Maynard Keynes This is the 3rd in a series of 4 posts about investing in real estate. The last post, Inflation - The Secret To…
  • Inflation Monitor – April 2015

    Kirk Chisholm
    1 May 2015 | 5:17 am
    Inflation Monitor – April 2015 Inflation Monitor Summary - Composite Ranking   * The Inflation Equilibrium is a quick summary for the whole data series of the inflation monitor. If you don't like statistics, this is the chart for you.   Inflation Monitor - April 2015 - Introduction Spring is finally here and with it comes the warm weather. Unfortunately the warm weather has not been able to thaw out deflation or the wintery economic chill that has gripped certain parts of the US economy and many European nations. The CPI continues to hit negative territory on an annual…
  • Inflation – The Secret to Building Wealth in Real Estate

    Kirk Chisholm
    20 Apr 2015 | 7:52 am
    Inflation – The Secret to Building Wealth in Real Estate   “The major fortunes in America have been made in land.”- John D. Rockefeller After more than 75 years John D. Rockefeller is still considered the richest man in history when you adjust for inflation. According to the New York Times as of 2007, his net worth reached $192 Billion. Compare this with Bill Gates whose fortune is only $82 Billion. This shows how enormous the fortune of John D Rockefeller actually was. Only Commodore Vanderbilt and John Astor have even come close with $143 Billion and $116 Billion. Rockefeller…
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    Now It Counts

  • Toss Him in the Clown Car: Rick Santorum Announces Second Run For President

    Richard Zombeck
    28 May 2015 | 2:16 pm
    His announcement alone was straight up wingnut-palooza. Rick Santorum announced his bid for presidency in 2016, and his announcement speech was full on wingnut-palooza. His equally nutty fans applauded nearly all of the lunacy emitting from the podium, apparently oblivious to the simple fact that no matter how much Santorum thinks that God is on ... The post Toss Him in the Clown Car: Rick Santorum Announces Second Run For President appeared first on Now It Counts.
  • Salty Sow in Phoenix Delivers Farm-Fresh Food In Signature Location With Unbeatable Service

    Michael Lazar
    28 May 2015 | 7:34 am
    A posh and contemporary exterior is what greets me when first heading into the Salty Sow in Phoenix, Arizona, for some grubbing. The chance to try new gourmet eats is always something I find intriguing, and Phoenix has a long list of great places, but this one is newer. So here’s what I found. The ... The post Salty Sow in Phoenix Delivers Farm-Fresh Food In Signature Location With Unbeatable Service appeared first on Now It Counts.
  • New Research Shows Lack Of Sleep Increases Heart Attack Risk

    Michael Lazar
    28 May 2015 | 2:30 am
    We all know that we should get at least six to eight hours of sleep each night. As it turns out, the lack thereof can put you in a whole new heart attack risk category that can be entirely avoided by simply getting more snooze time in each evening. New research is showing that sleeping ... The post New Research Shows Lack Of Sleep Increases Heart Attack Risk appeared first on Now It Counts.
  • You’ll Have Some Whine With This Cheese! Five Most Expensive Cheeses In The World Revealed

    Michael Lazar
    27 May 2015 | 11:19 am
    When it comes to cheeses, we all know that they never really are that cheap. But the price tag on the five most expensive cheeses in the world will have you turning your head, rolling your eyes and wanting some whine (not some wine). We’ve covered lots of expensive foods in our never-ending quest to ... The post You’ll Have Some Whine With This Cheese! Five Most Expensive Cheeses In The World Revealed appeared first on Now It Counts.
  • It’s Never Too Late To Be A Millionaire – But Is It Necessary?

    Buck Wargo
    27 May 2015 | 7:59 am
    If you live modestly now, you might not need to listen to the hype. It’s never too late to be a millionaire – even if you’re 50 and older. Saving more, spending less, tapping home equity in a reverse mortgage, starting a business, and working longer are some of the ways we can put ourselves ... The post It’s Never Too Late To Be A Millionaire – But Is It Necessary? appeared first on Now It Counts.
 
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