• Most Topular Stories

  • An End of Year Financial Checklist

    Getting Your Financial Ducks In A Row
    21 Nov 2014 | 5:00 am
    Image courtesy of nuchylee at It’s hard to imagine but another year is almost over. Soon, 2014 will make way for 2015. As you prepare for the end of the year here are some good tips to keep in mind before January 1st. Have you put as much as you can into your 401k, 403b or other employer sponsored plan? If you’re expecting a bonus, consider saving some or all of it to your plan. Did you get a raise? If you got raise, did you remember to give yourself a raise in your retirement savings? Many folks find that it’s easy to save raises automatically in their 401k and…
  • Finding your passion in retirement » Retirement
    Janet Reusch
    17 Nov 2014 | 7:39 am
    Ally Bank and Bankrate co-hosted a tweetchat where participants discussed their dreams for retirement.
  • The Perfect Investment Portfolio

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

    U.S. News - Planning to Retire
    Emily Brandon
    29 Aug 2014 | 1:19 pm
    Workers are increasingly pursuing creative retirement solutions.
  • 5 Social Security Changes Coming in 2015

    U.S. News - Planning to Retire
    Emily Brandon
    22 Oct 2014 | 7:10 am
    Retirees will get bigger checks next year, and some workers will receive benefit statements.
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    Data "Points"

  • "Missed" Deeds and 401(k) Fees

    15 Nov 2014 | 5:47 pm
    The Nov. 7 issue of The New York Times included a story about “Finding, and Battling, Hidden Costs of 401(k) Plans.” The story focused primarily on the plight of Ronald Tussey, the named plaintiff in Tussey v. ABB, Inc., one of the so-called “excess fee” revenue sharing cases.Tussey, now 70, claims that he was told that his retirement plan was “free,” even though, according to the Times article, “middlemen1 were deducting expenses from his savings.” The story also notes that Tussey “never thought that his retirement plan might be flawed,” and that “he trusted…
  • Access "Able?"

    8 Nov 2014 | 5:26 am
    Though I’ve now spent more than three decades working with employment-based benefit plans, I’ve also worked for some very different employers, ranging from organizations that employed tens of thousands of workers to those that were a fraction of that size. Those organizations were all very different, of course, but they all had at least one thing in common: All offered a workplace retirement savings program.That’s apparently not as common as one might think, certainly among smaller employers. In fact, a new study from the Employee Benefit Research Institute (EBRI) notes that the…
  • Room to Grow

    25 Oct 2014 | 6:59 pm
    Several months back we acquired an aquarium, and I looked forward to filling it up with all kinds and sizes of exotic fish – only to be disappointed to find out that, despite the massive displays of what appeared to be whole schools of fish in similar sized tanks at the pet store, our tank would only support a handful of the fish I had hoped to display. The reason; they need room to thrive and grow. The more fish you want to have (and live), the bigger the tank.The IRS has now announced the new contribution and benefit limits for 2015. Most were increased, notably the annual contribution…
  • Just "Because"

    18 Oct 2014 | 7:13 pm
    As you may have heard (but may not), we recently celebrated National Save for Retirement Week. Of course, there’s no “magic” to a week dedicated to a focus on saving for retirement — even one that Congress has seen fit to acknowledge with a resolution.That said, saving for retirement — which seems far away for some (though likely not as far away as some think) — is something that many find easy to defer for another day, a more convenient time, a more settled financial situation. We all know we should do it — but some figure that it will take more time and energy than we can…
  • 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…
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    FutureAdvisor Blog

  • Is It Possible To Spend No Money?

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

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

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

    E.A. Mann
    10 Nov 2014 | 5:50 am
    ETF’s are like anti-lock brakes: they’re everywhere, most people know generally what they do, but I doubt the average person could explain them in any great detail. When I talk to people, I get the sense that most think about ETF’s and mutual funds interchangeably. They’re right in spirit but wrong on the details. Let’s try to hone in on a clearer definition of ETF’s. The acronym stands for Exchange Traded Funds, but instead of continuing on with dry definitions, let’s look at them through the lens of an investor who has some cash and is desperate to buy a piece of the stock…
  • No-Money Weekend

    E.A. Mann
    10 Nov 2014 | 3:00 am
    Last month, my wife and I had a “no-money weekend.” The rules were simple: survive from Friday night through Sunday night without spending a dime. Of course, there were some lingering questions. Did driving count as spending if we were going to a free event? What about gift cards — could we use those? (Hint: No.) This sums up a lot of truths about money: the concepts are simple, but the execution is complicated. In the end, we did it. We took our daughter to a new bike path, and got creative with dinners, cleaning out the fridge for a stir fry. When it was time to relax, I dug up…
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    Brunswick Plantation Living

  • Smart Spending Tips Monthly November 2014 by Brunswick Plantation Living

    Kevin Anderson
    20 Nov 2014 | 1:25 pm
    Here at Brunswick Plantation & Golf Resort, a coastal Carolina gated community, we believe Smart Spending is part of A Better Way of Life.  Want to save hundreds OR thousands? Take 5 minutes and read on to learn how in … Continue reading → The post Smart Spending Tips Monthly November 2014 by Brunswick Plantation Living appeared first on Brunswick Plantation Living.
  • Golf News from the Pro 11.14 by Brunswick Plantation Living

    Kevin Anderson
    18 Nov 2014 | 4:21 am
    Hello again Members and Property Owners,   Holiday Season. November is here and that means the Holidays are drawing near. October was a great month for golf with gorgeous weather and the first part of November has been pretty good … Continue reading → The post Golf News from the Pro 11.14 by Brunswick Plantation Living appeared first on Brunswick Plantation Living.
  • Coastal Living News and Events 11.14

    15 Nov 2014 | 6:02 am
    Coastal Living is alive with Holiday Delights of all kinds…Festivals and  Celebrations for All Ages! Thanksgiving and Christmas are Near and Dear Holidays , as well as Hannukah and other Cherished Celebrations! Tis also the Season of giving and remembering … Continue reading → The post Coastal Living News and Events 11.14 appeared first on Brunswick Plantation Living.
  • Brunswick Plantation News and Events 11.14

    15 Nov 2014 | 5:49 am
    Brunswick Plantation and Golf Resort ® has a variety of special activities offered in our dynamic , gated community…Thanks to our wonderful  friends and neighbors  who promote and coordinate them! We are a community that works together for the benefit … Continue reading → The post Brunswick Plantation News and Events 11.14 appeared first on Brunswick Plantation Living.
  • Eyewitness to History…”The Fall of the Berlin Wall” By: Bev Filer

    13 Nov 2014 | 6:30 am
    November 9, 2014 is the 25th anniversary of the “Fall of the Berlin Wall”! As I have been listening to the stories of people who were there or were personally affected by the Berlin Wall, I am remembering my own … Continue reading → The post Eyewitness to History…”The Fall of the Berlin Wall” By: Bev Filer appeared first on Brunswick Plantation Living.
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    Retirement And Good Living

  • Naturally Beautiful Vancouver

    Alison Armstrong
    20 Nov 2014 | 4:23 am
    The city of Vancouver is relatively small with only about 600,000 people. On the other hand Greater Vancouver, more commonly known as the Lower Mainland, has a population of 2.5 million. It includes, among others, the contiguous cities of Burnaby, Richmond, Surrey, New Westminster, and Coquitlam, and across the harbour North Vancouver and West Vancouver. ...more
  • Writing After Retirement

    Carol Smallwood
    18 Nov 2014 | 7:54 am
    “Live first, write afterwards.” “If I Only Knew….” Glimpses & Reflections John Galsworthy 1937 London, Toronto William Heineman   Multitasking and mobile technology, efforts to save time and get more work done, don’t leave much time to mull things over which is crucial for writers: we need time to daydream, drive without talking on phones. ...more
  • Benefits of reducing inflammation as you age

    Joanne Turner PhD
    16 Nov 2014 | 7:54 pm
    As we grow older changes occur in our cells and tissues, and these changes can impact how our immune system works. One change that occurs over time as we age has recently been called inflammaging. Inflammaging is described as an age-associated increase in the amount of molecules in our blood that either cause inflammation, or ...more
  • Take Your 15 Minutes of Fame

    Barbara Morris R.Ph.
    13 Nov 2014 | 4:05 am
    At age 60 I was a contestant in a Ms. Senior America competition. I knew my chances of winning were slim because among other deficits, I do not sing, dance, twirl a baton or recite poetry. When I shared my shortcomings with the pageant director, she suggested I take acting lessons to acquire some stage ...more
  • Moving to Italy

    Orna O'Reilly
    5 Nov 2014 | 4:18 am
    Moving to Italy was my dream. As I approached retirement age, I could be found most nights surfing the web, searching for my place in the sun. Those cold, wet winter evenings in Galway, Ireland, glass of red wine (Italian) and a few potato chips for company, I scanned a multitude of property websites in ...more
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    A Satisfying Retirement - Is a Lifestyle You Choose

  • Retirement and The Middle Class: Still Possible?

    Bob Lowry
    21 Nov 2014 | 1:00 am
    First published three years ago, the discussion about the fate of the American middle class and the growing economic inequality in this country has not gone away, in fact it has intensified. I'd welcome your thoughtful comment on this issue.There has been a lot written recently about the decline, if not outright disappearance, of the middle class in many countries around the world. The original premise was that hard work and perseverance would result in a comfortable lifestyle and a satisfying retirement. That vision included decent retirement funds, health care coverage…
  • Is College Always The Right Choice For Our Grandchildren?

    Bob Lowry
    18 Nov 2014 | 1:00 am
    Not long ago I was contacted by a fellow who works for an Internet training company. The CEO had just posed a provocative question on their web site. The question asked was whether a college education is worth the money. Is there enough of a return on the investment of tens of thousands, maybe even hundreds of thousands of dollars for everyone who goes?The author, Dave Dunn, cited figures that projected the costs of sending his three children to private colleges several years into the future. The totals were over $1,000,000. He used that million dollar figure to raise the issue. Aside…
  • When Life Shrinks Your Glass - Get A Smaller Glass

    Bob Lowry
    14 Nov 2014 | 1:00 am
    An astute reader left a comment a month or so ago on a previous post. She noted she is a glass half-full kind of person rather than one who sees the glass of her life as half-empty. Then, she added a thought that I loved: if life has suddenly become more of a struggle because of some problem, rather than switch to a pessimistic view, she simply envisions a smaller glass...which is still half full.I have written a lot about attitude and retirement. There should be little doubt as to which side of the half glass side I am on. But, her comment gave me new insight into how to react to the…
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    Early Retirement Extreme

  • More about the book

    21 Nov 2014 | 8:32 am
    The title of the book is “Early Retirement Extreme — A philosophical and practical guide to financial independence”. In terms of physical properties, it is 238 pages long and has 400+ words per page. The ink-density is high, a comparable e-book would be 500 pages long. click here to order (more ordering details are given in the previous post) The book took 22 months to write and 5 months to edit. It is not a blog-to-book book in the sense of stringing together a bunch of blog posts and passing it off as a book. Aside from one section in the book, I have written everything…
  • Does retiring early lead to a shorter lifespan?

    20 Nov 2014 | 8:30 pm
    Not according to this graph, which shows an almost inverse correlation between retirement age and lifespan, that is, the sooner you retire, the longer you will live. The graph shows linearity going into earlier years. It is interesting how long that relation holds. This somehow contrasts with this study which comes to the opposite conclusion. However, if, as stated in the comments, the study was not corrected for the poorer health of some early retires, e.g. people retire early because they are in poor health, the conclusion that one doesn’t live long is obvious, no? A priori reasoning…
  • The second step out of consumerism

    20 Nov 2014 | 8:26 am
    One of the cornerstones of consumerism is the development of desires. Insofar that marketing and product developers can not think of novel products a good strategy to keep consumers buying is to engage them in a cycle of upgrading. Upgrading can be a competition both with others but I think it works more effectively when compared to oneself. Ideally one would choose to buy a product that is accurately and deliberate chosen to just satisfy one’s needs (see graph), no more, no less. However, it can be hard to ignore one’s wants, especially given the brochures and advertising about…
  • Who needs a college degree anyway?

    19 Nov 2014 | 8:22 pm
    I think that in many cases a college degree is a waste of money! I do believe that university educations should only be for a select few. In particular I do not believe that sending everybody to college will make us collectively smarter. Consequently, I do not believe that college degrees will make our society richer or more competitive. Thus I believe that government support for continued education in the form of 529 plans and cheaper tuition at state universities is a misguided policy. There I said it! The main problem is that a college education does not make people smarter. Hence, the…
  • Keeping warm during winter

    19 Nov 2014 | 8:19 am
    I was originally going to use “Winter heating” for the title of this post, but then I realized that, perhaps like many other things, this misses the main point. At its essence, the problem is cold. The solution is to stay warm. How do we accomplish this. There are two variables. The first one is how cold you feel. Naturally people with higher, what I would call metabolism although it is not technically correct tend to stay warmer. First, they have more muscles, second they move more. One reason you can wear jeans but need a thick jacket when it’s freezing is that the legs are more…
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    Retirement: A Full-Time Job

  • Fifty is the New 28

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

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

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

  • Investing Blog Roundup: Safety-First Retirement Planning

    21 Nov 2014 | 5:00 am
    When it comes to retirement planning, there are two broad schools of thought about how to cover your expenses. One method is to continue using a portfolio that looks much like the portfolio somebody would use during their accumulation stage (i.e., stocks, bonds, and mutual funds), albeit with a more conservative allocation. The other school of thought – the “safety first” method — relies on a different set of tools, such as bond ladders and annuities. Elizabeth O’Brien of MarketWatch has more on the topic: Do You Need a ‘Safety-First’ Retirement…
  • Are Dividends More Important Than Price Appreciation?

    17 Nov 2014 | 5:00 am
    A reader writes in, asking: “I’ve read that dividends account for the vast majority of the return of the stock market over history. I’m confused by the article you linked to last week about not being a dividend investor, given that dividends are so much more powerful than price growth.” It’s true that, without dividends, you’d experience only a small portion of the market’s overall return over an extended period. But the idea that dividends are more powerful than price appreciation is a significant misunderstanding. (Unfortunately, I’ve seen…
  • Investing Blog Roundup: Is Long-Term Care Insurance Likely to Be Beneficial?

    14 Nov 2014 | 5:00 am
    One of the toughest questions about retirement planning is the question of long-term care insurance. The available policies have an assortment of drawbacks, and they’re expensive. On the flip side, needing to pay for an extended period of long-term care out of pocket would decimate many people’s savings. This week, a new paper from two professors and two researchers at the Center for Retirement Research at Boston College takes a look at what percentage of people are likely to benefit from purchasing such insurance: Long-Term Care: How Big A Risk? from Leora Friedberg, Wenliang…
  • Why Bother with Social Security Break-Even Calculations?

    10 Nov 2014 | 5:00 am
    Broadly speaking, there are two general ways to assess the Social Security decision: You can look at it as an insurance question (i.e., do I want to buy insurance against longevity risk), or You can do a break-even analysis (i.e., how long do I have to live before I come out ahead as a result of delaying benefits). An argument I’m seeing more and more often in financial publications is that it’s a mistake to even bother with a break-even analysis and that people should instead look at the question solely from the insurance perspective. From the insurance perspective, delaying…
  • Investing Blog Roundup: Dividend Stock Investing

    7 Nov 2014 | 5:00 am
    One of the more common strategies for active stock selection is to be a dividend investor — buying stocks with favorable dividend characteristics (e.g., high yield, stability of dividends, or high rate of dividend growth). This week blogger Darrow Kirkpatrick gave what I found to be a very balanced discussion of the pros and cons of such a strategy. In the end, Kirkpatrick comes to the same conclusion that I have. Should You Be a Dividend Stock Investor? from Darrow Kirkpatrick Investing Articles Fighting Through Risk Tolerance Questionnaires from Rick Ferri Putting All Your Eggs in…
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    Getting Your Financial Ducks In A Row

  • An End of Year Financial Checklist

    21 Nov 2014 | 5:00 am
    Image courtesy of nuchylee at It’s hard to imagine but another year is almost over. Soon, 2014 will make way for 2015. As you prepare for the end of the year here are some good tips to keep in mind before January 1st. Have you put as much as you can into your 401k, 403b or other employer sponsored plan? If you’re expecting a bonus, consider saving some or all of it to your plan. Did you get a raise? If you got raise, did you remember to give yourself a raise in your retirement savings? Many folks find that it’s easy to save raises automatically in their 401k and…
  • Fixing Social Security

    19 Nov 2014 | 5:52 am
    For quite a while now we’ve been reading the reports from the Social Security Administration’s reviews of the status of the trust fund – where the prediction is that we’ll end up in the year 2033 with only enough money to pay 77¢ on the dollar of the promised benefits from Social Security. So far this revelation has not resulted in policymakers’ taking any actual steps to fix things, but sometime someone has to act. What can be done about fixing Social Security? What Can We Do About Fixing Social Security? As future recipients of benefits, we have some actions we can take to reduce…
  • Safety with an Emergency Fund

    17 Nov 2014 | 5:37 am
    Today’s message is about Safety – but not things like “don’t run with scissors” or “wait a half hour after eating to go swimming”. What we’re referring to is the old concept of having an emergency fund. The primary thing that you should take away from this Safety discussion is Peace Of Mind. An emergency fund is a vital component of your overall financial toolkit. You should have 3 to 6 months’ worth of expenses set aside in a liquid, stable account, such as a bank passbook savings account or a money market account. By “liquid”…
  • Wants and Needs

    14 Nov 2014 | 5:00 am
    Sometimes when we need more money for a specific goal in the future such as retirement, college, a down payment on a home or an emergency fund we may feel that before these things can happen we need to make more money. We may feel that once our incomes are up to a certain level that we’ll be able to afford to save for those goals. It may not be necessary to earn more in order to achieve the above goals. For many folks the solution is simply to prioritize between wants and needs. In other words, learning to distinguish between the wants and the needs in your life and then reallocating your…
  • A new way to fund your Roth IRA

    12 Nov 2014 | 5:36 am
    Photo courtesy of lee Scott on As you plan and save for your retirement, it’s nice to have multiple types of taxation for your income sources. You may have a pension, Social Security, and a traditional IRA, all of which are taxed to some degree or another.  Adding to this list you might have a Roth IRA which generally will provide you with tax-free income in retirement. The problem with the Roth IRA is that you have some strict limits on the amounts that you can contribute, and typical Roth Conversion strategies are costly and complicated. With the recent pronouncement…
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  • Lessons Learned from Paying Off Over $50,000 in Debt

    Gina Horkey
    21 Nov 2014 | 1:30 am
    Is one of your goals to be debt free? If not, it should be! The numbers vary greatly when it comes to the average amount of credit card debt per American household. I’m here to argue that any amount of (revolving) credit card debt is too much! I’ve been there, in fact it wasn’t too long ago that my husband and I had a credit card balance of $10,000 – and that was after we had worked hard to get it paid down! We were your typical American newlywed couple, that spent beyond our means and banked on the fact that our income or house value would rise to meet the occasion. Only…
  • Insuring Your Jewelry Makes Sound Financial Sense

    Donny Gamble
    19 Nov 2014 | 6:43 am
    Your jewelry says a lot about you and the special moments in life that each piece symbolizes, and it’s important to make plans to safeguard your precious investments. Imagine all of the things you own: maybe a car electronics possibly a home. If you recently got engaged, your ring may be one of your most valuable assets (especially if you don’t own a home). Since your car and electronics are most likely insured, it makes sense to get your valuable jewelry insured as well. And did you know that approximately 40 percent of U.S. households that own an engagement ring do not have insurance to…
  • How I Left My Stable Job to Become a Solopreneur

    Kassandra Dasent
    17 Nov 2014 | 7:04 am
    If you had asked me ten years ago whether I would have considered self-employment, I would have quickly answered “No”.  Back then, I was happily employed by a great company, surrounded by talented co-workers, offered solid benefits and earning a respectable salary as a corporate credit analyst. I had additional sources of income, “side hustles”, that streamed from my ability as a professional singer and musician.  However, I held no ambitions on ever opening my own business or becoming a solopreneur. That all changed in August of 2012. At times, life brings about massive changes and…
  • 24Option Review

    Kevin Mercadante
    14 Nov 2014 | 9:10 am
    If you’re interested in trading binary options but have never done so before, 24Option could be the trading platform you’ve been looking for. What is 24Option? 24Option is an online binary options platform which is operated by Rodeler LTD Financial Services. The company is based in the Mediterranean island of Cyprus. The business is privately owned, and operated and supervised by trading professionals who have years of online experience in trading in the financial markets, forex, stocks and binary options. The aim of 24Option is to be at the forefront of the binary options trading…
  • 3 Things You Should Know Before Investing in Physical Gold

    Miranda Marquit
    4 Nov 2014 | 6:25 am
    We like to think of gold as the ultimate in “true” value. After all, gold is versatile. It is seen as “pure money” while at the same time being a metal used in industrial processes. From jewelry to collectors coins to bullion, investing in physical gold is something that many people are interested in. I’m not overly fond of investing in physical gold myself, but I can see the appeal. Even in a situation of economic collapse, gold would be valuable in any physical form. On top of that, owning gold can be seen as a hedge against the declining value of the dollar.
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    Florida Retirement Plan

  • The Perfect Investment Portfolio

    Gardner Sherrill
    19 Nov 2014 | 9:48 am
    Published in Bradenton Herald: November 16 By GARDNER SHERRILL |Investor’s Column What would the perfect investment portfolio look like? On a scale of 1 – 10, I believe it would require high numbers in the following areas: The key ingredients: Read more
  • Weekly Market Commentary November 17, 2014

    Gardner Sherrill
    17 Nov 2014 | 9:23 am
    The Markets “Is all this stock market optimism a red flag?” Read more
  • Family Business Dynamics

    Gardner Sherrill
    14 Nov 2014 | 9:14 am
    Let’s hear it for family businesses! Family-owned and family-controlled businesses are a pretty important part of the global economy. McKinsey & Company recently noted: Read more
  • Weekly Market Commentary November 10, 2014

    Gardner Sherrill
    10 Nov 2014 | 1:09 pm
    The Markets Is it a melt-up? Read more
  • What is Deflation

    Gardner Sherrill
    7 Nov 2014 | 6:19 am
    Why are people worrying about deflation? Deflation is a general decline in prices. For anyone who has been struggling to make ends meet that may not sound all bad. In fact, it’s not always bad. According to the Federal Reserve Bank of St. Louis, between 1876 and 1879, prices in the United States fell byRead more
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    SMSF | SMSF Superannuation | SMSF Specialists | Redwood Advisory


    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…

    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…

    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…

    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…

    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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  • Life Changes are Good

    Life adventurer
    20 Nov 2014 | 5:29 pm Who would have thought that after all of our years on earth, we still struggle with making the right decisions? The best decision for us, in the short term but more importantly in the long term. We grew up learning our ways on how to make the decision and the fallout of those decisions (both the mistakes and good). And as we grew older we felt more confident in our decision making, we knew what was right and what was wrong – job, career, family, faith, relationships. But then you are faced with a decision that you are not sure what to do as with all of your history…
  • Live In The Moment Books

    17 Nov 2014 | 8:28 am For those of you who either love to read or are taking it up now that you have more time and don’t want to vegetate in front of tv football games, I read a book a few years back. Here are are few personal thoughts about live in the moment books. Live the Moment A good book can be just the cure for a dull day Eckhart Tolle, spiritual guru published “a rare earth”. Yes, like Rare Earth that band from the seventies. Eckhart Tolle “I just wanna celebrate”. Get it?  Get off that couch and find a book that you embrace. Move enjoy,  and that is…
  • Experience Counts in Retirement

    17 Nov 2014 | 7:57 am Let’s face it, experience counts in retirement! Thinking about life as a kindergartner, the more experiences a child has before this first official entrance to  formal education, the sooner they get to learn. Social skills, reading readiness, understanding how to follow rules or directions, how to pay attention. All these things give us a jump start to learning. If you already know some skills, your energy levels can focus on adding new concepts. Retirement requires constant focus on what’s important. Now let’s consider how important this is to an aging…
  • OHSO Phoenix, Arizona

    Life adventurer
    15 Nov 2014 | 6:01 pm OHSO Eatery + nano Brewery is a high quality restaurant in two parts of Phoenix, Arizona. It’s called an eatery due to to it’s trendy environment and let’s face it, some good marketing spin to get younger people to come and eat. However, here is a secret about OHSO that you may not know being retired…it’s unbelievably good! Here is our OHSO review and fair warning they have great beer! OHSO Review               OHSO Eatery OHSO the eatery (restaurant) has a variety of food, but mainly is known for their…
  • Finding Value in Change

    Life adventurer
    12 Nov 2014 | 6:15 pm Today was hard, a uphill battle of sorts, full of hope, choices, and inevitably finding value in who I am. These words much like the journey that takes us all to finding value in change are not easy to get to. It is through a hard day of change, that many question their decisions, their value. Fear not, for without change, we do not evolve and evolve we must if we are to be successful in this next phase of our life. It is the following article that helps me find value in change. Find Value in Change           Like the Trees of Fall, We Too Must…
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