Retirement

  • Most Topular Stories

  • Needs "Assessment"

    Data "Points"
    13 Apr 2014 | 6:47 am
    My eating habits have always tended toward what my mother politely calls “finicky.” Oh, she tried repeatedly over the years to broaden my horizons but without much success. My wife has similarly tried to expand and improve my dietary choices over the years, but even with the admonition of needing to set a good example for my kids, (my) old habits die hard. In exasperation, she’ll frequently say, “Have you ever even tried _____?”One of the more surprising findings from the 2014 Retirement Confidence Survey was that fewer than half of respondents indicate they (or their spouse) have…
  • Income for Life

    Sensible Money - Scottsdale Financial Advisors
    admin
    8 Apr 2014 | 12:45 pm
    A comprehensive retirement plan means you can relax and enjoy retirement. You can’t control everything in retirement. But when you have a comprehensive plan in place that helps you manage the aspects that are within your control it frees you up to relax and enjoy yourself. Ask yourself these questions: Are you prepared for retirement? Do you have a strategy for investing your retirement assets? Is it the same strategy you’ve used to get this far? Your savings and investment strategy may have been quite effective in helping you accumulate assets. But that same strategy may not be…
  • Our Response to the Heartbleed Bug

    FutureAdvisor Blog
    Clyde Law
    10 Apr 2014 | 3:09 pm
    You may have heard in the news that many major Internet sites were affected by the Heartbleed Bug. We want to assure you, our users, that FutureAdvisor’s security and engineering team has been following developments since the vulnerability was first announced, and has taken the necessary steps to assess our systems and address any that were affected. Bottom Line Our security assessment confirmed that FutureAdvisor systems storing customer information were not affected by the Heartbleed Bug. The systems that were affected have been patched and are no longer vulnerable. Technical Details…
  • Coastal Living News and Events 4.14

    Brunswick Plantation Living
    Bev
    15 Apr 2014 | 5:46 am
    Spring has Sprung in Coastal North Carolina…So Much to Do & See! Spring and Easter celebrations, along with a variety of other events are minutes from Brunswick Plantation and Golf Resort...The Two State Solution to Fun! Enjoy a Better Way … Continue reading →The post Coastal Living News and Events 4.14 appeared first on Brunswick Plantation Living.
  • Retirement is Great!

    Retirement And Good Living
    Kerry Watson
    16 Apr 2014 | 9:01 am
    In 2008 we spent six short weeks in Europe visiting France, Italy and cruising on the Mediterranean and decided there and then that we would return to the beautiful regions of Provence in France and Tuscany in Italy for a extended time once we retired. We loved it there. On returning to our home in Western Australia (WA) we dreamt about where we would stay and what we would do on our return…. and even wondered if we would really ever get there.   So in 2013 when we both retired and the reality was no longer a dream, we headed off on our nine-month trip to start our retirement in La…
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    Data "Points"

  • Needs "Assessment"

    13 Apr 2014 | 6:47 am
    My eating habits have always tended toward what my mother politely calls “finicky.” Oh, she tried repeatedly over the years to broaden my horizons but without much success. My wife has similarly tried to expand and improve my dietary choices over the years, but even with the admonition of needing to set a good example for my kids, (my) old habits die hard. In exasperation, she’ll frequently say, “Have you ever even tried _____?”One of the more surprising findings from the 2014 Retirement Confidence Survey was that fewer than half of respondents indicate they (or their spouse) have…
  • "Expected" Values

    6 Apr 2014 | 5:30 am
    Over the past several years, a growing amount of attention has been focused on the decumulations of defined contribution plan balances in retirement. Much of that focus has, of course, been driven by concerns that those individuals won’t have enough resources accumulated to fund those retirements. More recently, there has been a sense that one way to help provide a different perspective on these retirement savings would be to provide participants with an estimate of what their current or projected savings would produce in terms of a retirement income stream.In May 2013, the U.S. Department…
  • Bargain Based

    30 Mar 2014 | 12:57 pm
    My father had many admirable personality traits, but he also had his quirks. He was buying in bulk at warehouse stores well before it was “cool” to do so (and before many of the current generation of such stores existed), and he was an earlier adopter of generic food brands. And, yes, sometimes he bought generic food and paper stocks in bulk. While the quality of such offerings has doubtless improved dramatically over the years, I still shudder at the memory of my first sip of generic cola.My childhood encounters with generic products notwithstanding, I’ve generally not been as…
  • Security "Blanket"

    23 Mar 2014 | 5:00 am
    “How do they expect to retire on THAT?”In the several days since the 2014 Retirement Confidence Survey(1)  hit the streets, I think I’ve heard that question more than any other. “That” in this case is the widely cited finding of the survey that 36% of respondents have less than $1,000 (aside from home equity and defined benefit plan) saved – and that’s up from 20 percent in that category in 2009 and 28 percent a year ago(2).So, how does that group expect to retire?We can’t know for certain, but there are several things that might offer a better understanding. First, many…
  • ”Background” Check

    16 Mar 2014 | 5:00 am
    We’ve never invested in a vacation home, but for a number of years now, my family has made relatively regular trips to Gettysburg, Pennsylvania. And while we’ve visited many places over the years, Gettysburg remains special, both because there are places that we know, and have visited many times, and because there are (still) things to discover. Over time we’ve also shared that experience with friends and members of our extended family, and their participation adds an additional, fresh perspective, even to sites we have visited many times before. On March 18, EBRI and Greenwald &…
 
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    Sensible Money - Scottsdale Financial Advisors

  • Income for Life

    admin
    8 Apr 2014 | 12:45 pm
    A comprehensive retirement plan means you can relax and enjoy retirement. You can’t control everything in retirement. But when you have a comprehensive plan in place that helps you manage the aspects that are within your control it frees you up to relax and enjoy yourself. Ask yourself these questions: Are you prepared for retirement? Do you have a strategy for investing your retirement assets? Is it the same strategy you’ve used to get this far? Your savings and investment strategy may have been quite effective in helping you accumulate assets. But that same strategy may not be…
  • Welcome Kathleen Mealey!

    admin
    3 Mar 2014 | 5:04 pm
    Sensible Money welcomes Kathy Mealey. A service business lives and dies by the quality of its people. A sales organization isn’t so concerned with that. In my brokerage firm days the revolving door of advisors who were hired and quit spun around at a rapid pace. It wasn’t about expertise, and unfortunately if often wasn’t about ethics. It was about  finding people who could sell. Times are a-changing though, and for the better I must say. Our organization is on the forefront of that change. We are specialists. You only retire once, and the planning that goes into a successful…
  • More Frequently Asked Questions About Our Services

    admin
    19 Feb 2014 | 1:11 pm
    Smart planning delivers an increase in retirement income when compared to an unplanned approach*. How do your services work? We quote you a one-time price to prepare a financial plan. We call this going through our Juicing® process – as it is designed to help you squeeze more out of your money. Your financial plan projects how well prepared you are to meet your financial goals. A plan is necessary in order to make the appropriate investment recommendations. Once the plan is understood, most Sensible Money clients work with us on an ongoing basis to manage investments and provide planning…
  • Case Study – How Much Can I Spend This Year in Retirement?

    admin
    4 Feb 2014 | 3:45 pm
    Your Money Your Values Once retired, the planning doesn’t end. You’ll still want to remodel, travel, or perhaps move to a different state. A plan helps outline the financial aspects of these decisions. Take the case of a couple we’ll call George and Marla. They began working with us in early 2007. George is ten years older than Marla, and the goal was to get Marla retired so they could have time together while both are still healthy and living an active lifestyle. Marla retired in 2010 and the two began traveling. In their first year of retirement they fell in love with Ouray, Colorado.
  • Investment Sense – My Favorite 2014 Predictions

    admin
    28 Jan 2014 | 10:41 am
    Index Returns to Dec. 31, 2013 – 1 month, 5 year, 10 year As you (hopefully) know by now, we don’t write these newsletters to impress you with our forecasting prowess. We know our crystal ball doesn’t work – and we know no one else’s works either.  This certainty always makes the beginning of the year quite entertaining. Everywhere you look someone is making a 2014 prediction about something – health care, Congress, interest rates, etc. -  you name it, plenty of people have put a prediction on it. It’s like a giant casino full of wagers. Why do people play? Throw enough…
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    FutureAdvisor Blog

  • Our Response to the Heartbleed Bug

    Clyde Law
    10 Apr 2014 | 3:09 pm
    You may have heard in the news that many major Internet sites were affected by the Heartbleed Bug. We want to assure you, our users, that FutureAdvisor’s security and engineering team has been following developments since the vulnerability was first announced, and has taken the necessary steps to assess our systems and address any that were affected. Bottom Line Our security assessment confirmed that FutureAdvisor systems storing customer information were not affected by the Heartbleed Bug. The systems that were affected have been patched and are no longer vulnerable. Technical Details…
  • Top Investment Trends For 2014

    futureadvisor
    10 Apr 2014 | 2:30 pm
    We’re now firmly into 2014, and a few important changes for savings are worth making note of. MyRA is the most significant change in offering a new class of retirement investment for those on middle incomes, but we also expect a reversion to more normal stock market returns after 2013 and continued expansion of lower fee investment opportunities via ETFs. MyRA Expected To Launch By The End Of The Year As announced in the State of the Union address in January, a new government initiative makes it even easier to save for retirement, particularly for those on lower incomes. MyRA (My…
  • How People With Over $20M Invest

    futureadvisor
    3 Apr 2014 | 1:10 pm
        Wealth Distribution Of Those With Over $20M The IRS discloses average income details for wealthy Americans. The data above shows the distribution of assets for Americans with over $20M in wealth for 2012. The bulk of assets are held in stocks, either those that trade on the stock market or privately held equity, and if you treat non-corporate business assets and limited partnerships as similar to stock, then you have the wealthy investing over half their wealth in stock-like investments. Real estate represents 10% and bond 11%. Within bonds, there is a heavy skew towards state…
  • Research Shows Overtrading Undermines Returns

    Chris Nicholson
    2 Apr 2014 | 4:29 pm
    In 2000, Brad M. Barber and Terrance Odean, both of the Graduate School of Management at UC Davis, published what would become a reference work in all future studies on overtrading. The gist of their research is this: Individual investors who hold common stocks directly pay a tremendous performance penalty for active trading. Of 66,465 households with accounts at a large discount broker during 1991 to 1996, those that trade most earn an annual return of 11.4 percent, while the market returns 17.9 percent. The average household earns an annual return of 16.4 percent, tilts its common stock…
  • How American Spend Their Money: BLS Data

    Chris Nicholson
    2 Apr 2014 | 3:33 pm
    Last month, the US Bureau of Labor Statistics released important data about how Americans, rich and poor, spend their income. While the two top items for both the top and bottom quintiles were housing and transportation, differences emerged from the third line item on down. The poor spend a much higher percentage of their income on eating in and keeping the lights on, while the rich direct a greater share of funds toward education and entertainment. The crucial point, in our view, is education, since the top quintile is very consciously diverting funds away from consumption in order invest in…
 
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    Brunswick Plantation Living

  • Coastal Living News and Events 4.14

    Bev
    15 Apr 2014 | 5:46 am
    Spring has Sprung in Coastal North Carolina…So Much to Do & See! Spring and Easter celebrations, along with a variety of other events are minutes from Brunswick Plantation and Golf Resort...The Two State Solution to Fun! Enjoy a Better Way … Continue reading →The post Coastal Living News and Events 4.14 appeared first on Brunswick Plantation Living.
  • Brunswick Plantation News and Events 4.14

    Bev
    15 Apr 2014 | 5:38 am
    Brunswick Plantation and Golf Resort is set for Spring! The flowers are blooming and so are the activities we enjoy with friends and neighbors…Fun For All! The following are happening right here in our lovely gated community! Enjoy! Couples Golf … Continue reading →The post Brunswick Plantation News and Events 4.14 appeared first on Brunswick Plantation Living.
  • Golf News from the Pro 4.14 at Brunswick Plantation and Golf Resort

    Kevin Anderson
    15 Apr 2014 | 5:29 am
    Hello to All, April is here and so is the Spring weather.  The golf course is greening up and is busy with play. The Pro Shop is continuing to offer discounts up to 30% on most items, so come take … Continue reading →The post Golf News from the Pro 4.14 at Brunswick Plantation and Golf Resort appeared first on Brunswick Plantation Living.
  • Smart Spending Tips Monthly April 2014 by Brunswick Plantation Living

    Kevin Anderson
    7 Apr 2014 | 3:54 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 April 2014 by Brunswick Plantation Living appeared first on Brunswick Plantation Living.
  • Calabash, NC…Historic Journey to the “Seafood Capital of the World”!

    Bev
    3 Apr 2014 | 8:30 am
    Calabash is a charming, picturesque fishing village nestled into the tidal plains in the southeast corner of coastal North Carolina. This beautiful town, just a couple of miles from the South Carolina border, has a timeless legacy and a rich … Continue reading →The post Calabash, NC…Historic Journey to the “Seafood Capital of the World”! appeared first on Brunswick Plantation Living.
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    Retirement And Good Living

  • Retirement is Great!

    Kerry Watson
    16 Apr 2014 | 9:01 am
    In 2008 we spent six short weeks in Europe visiting France, Italy and cruising on the Mediterranean and decided there and then that we would return to the beautiful regions of Provence in France and Tuscany in Italy for a extended time once we retired. We loved it there. On returning to our home in Western Australia (WA) we dreamt about where we would stay and what we would do on our return…. and even wondered if we would really ever get there.   So in 2013 when we both retired and the reality was no longer a dream, we headed off on our nine-month trip to start our retirement in La…
  • Why I Like Being Old

    Kathryn Tyler
    15 Apr 2014 | 5:14 am
    I like being old because I have the wisdom to be more forgiving of myself for all the mistakes I made in the past. I can also more easily forgive myself for the mistakes I continue to make on a daily basis. I am more aware now than ever before that as the imperfect human I am, I am entitled to screw up.   I like being old because no men whistle at me anymore. I never have to worry anymore about attracting the wrong men by the clothing I wear or by how glamorous I look, because when you’re older, you become strangely invisible. And that’s okay by me—it’s liberating.   I like…
  • “Scritching” at a Mayan Site in Belize

    Cathie Kelly
    14 Apr 2014 | 9:56 am
    Have you ever wondered how it feels to dig up and then hold a piece of pottery in your hand that hasn’t been touched by another human in hundreds or thousands of years? I’ve had the privilege of doing just that! Taking a trowel in hand, plunking down in the hard hot dirt and carefully scritching away the layers to uncover the past. It’s a very strange and exhilarating feeling indeed! “Scritching” is the term we use to describe the sound and movement of a hand trowel as we slowly and carefully scrape away layers of hard sun-baked dirt to uncover history. The…
  • The Englishman, the Irishman and the Scotsman

    B Mahoney
    13 Apr 2014 | 12:52 pm
    The experiences that come with being a retired expat mean that, very quickly, we are put in a position when we learn more about ourselves. Characteristics that we learn to associate with those from other nations are usually quickly dispelled and, hopefully, we begin to learn more about people of other faiths, cultures and those who speak a different language.   It is very easy to fall into the trap of national stereotypes, such as Germans being efficient and hardworking, the Spanish having a mañana attitude to life, the Italians being lazy and too fond of pasta, never to trust a Dutch…
  • The U.S. Toilet Paper Inventory

    Paul Burri, RSA
    12 Apr 2014 | 3:49 am
    I just read an interesting statistic. The average US household uses 46 squares of toilet paper per person per day. Now based on the fact that the current US population is 313.9 million persons, that comes to about 14 billion squares per person per day – after adjusting downward for those persons who either use newspaper, corn cobs or nothing at all. In any case, it sounds like a lot of crap if you ask me.   But more importantly, my questions are these. 1. “Who does a study like this (not to mention, who pays for it)?” and, perhaps even more interesting is, 2.
 
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    A Satisfying Retirement - Leads To A Satisfying Life

  • A Slice of (Your) Retirement Life

    Bob Lowry
    17 Apr 2014 | 2:00 am
    A few weeks ago the post, What's Going On?, generated several comments that expressed an interest in reading about other retirees' experiences in all the areas that concern us: is retirement everything you hoped, and if not, why not? What keeps you up at night and what excites you every morning? How do you productively fill your time and balance commitments with freedom? How about travel...doing more or less than you thought you would?.....basically we are asking to hear some of each other's unique story.Those types of interviews filled my last book. I found those…
  • To Move or Stay Put: I Can't Decide

    Bob Lowry
    14 Apr 2014 | 2:00 am
    Is it ignorance or apathy?  I don't know and I don't care. Jimmy Buffett may have summarized my dilemma best with these lyrics from one of his songs. Betty and I have changed our mind on this one decision so often that our kids now just roll their eyes and ask, "What is your plan today?" We have lived in our current home for twelve years. It was a major downsize choice after our daughters finished college and moved out to start their lives. It is a pleasant, older home with a big backyard, enough room for us and plenty of storage, room for the RV on the side yard, and in a quiet and…
  • Do You Lack The Necessary Skills To Retire?

    Bob Lowry
    10 Apr 2014 | 2:00 am
    How's that for an enticing headline? Nothing like a little guilt or uneasiness to grab someone's attention. Well, I am going to relieve your fear or anxiety right away: retirement skills are no different from the skills that got you this far in life. There is nothing so special about this phase of your life that you must relearn how to react and cope. There is nothing so special that you have to worry about "failing" retirement. Retirement is simply a less-than-adequate word for a time in your life when you are freer to use your unique combination of life experiences, skills, talents,…
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    Early Retirement Extreme

  • Using baking soda for brushing teeth

    Jacob
    17 Apr 2014 | 8:50 am
    I have started to use baking soda to brush my teeth (again). I don’t do this to save money on toothpaste, which is cheap and often free thanks to the lunacy of coupon clipping (this is the only place where we do this). Rather, I do it to save money on the dentist, who is evil and sadistic. For someone who is contemplating skipping dental insurance, this becomes a concern. Baking soda raises the pH (I knew that) while bacteria in the mouth creates acid (low pH) as a byproduct (I knew that) which destroys the enamel (I knew that too). I just did not put those things together and thought…
  • Guest post: War resistance through taxes and frugality

    Jacob
    16 Apr 2014 | 8:42 pm
    This is a guest post from David Gross who blogs about tax resistance, frugality, ethics, and other such issues at his blog, The Picket Line. If you want to learn more about his tax resistance tactics, read the FAQ or check out his How-To Guide to learn how you can do it too. Regardless of whether you support the government, learning about the tax code, as demonstrated by the example below, can be much more remunerative than the standard comparative economics argument of “I earn $100/hour so I’m better off paying some $15/hour tax-clerk who took a two-week course to plug my numbers…
  • Selling graduate textbooks

    Jacob
    16 Apr 2014 | 8:40 am
    Once upon a time I realized that limited edition graduate texts in myField might go out of print some day and I decided to establish my own “little” library by buying them before they went out of print. In retrospect this was stupid. The reason is that graduate level texts are generally only useful while one is actually on the graduate level. After that most information is acquired from published papers. This even goes for the graduate textbooks which also reference papers. Another problem is that the information slowly gets outdated. It is rare that some information will turn out…
  • The extrapolation fallacy

    Jacob
    15 Apr 2014 | 8:32 pm
    I do not know why this keeps popping up. It basically goes like this: Take the most recent piece of history, here recent is a maybe a quarter of the characteristic time scale of anything, say the economy, technology, population, … and proceed to extrapolate it into the far future. The reason this never works is that everything has a natural limit set by the system. The extrapolation is always done at a point where the thing being extrapolated is just a minor player of insignificant but slightly noticeable value. Like the space rocket launches of the 1960s that were projected into the…
  • Teaching and talking

    Jacob
    15 Apr 2014 | 8:24 am
    In my previous life I had to give talks on a regular basis usually running from around 15 minutes to 60 minutes (questions included), although a few were 10 minutes and 120 minutes respectively. I found the size of the audience (usually 10-300) never really matters as much as its composition, here experts are easier to “handle” than non-experts, because the latter may misunderstand the subject and ask strange questions(*). (*) My favorite one being the nuclear physicist who was trying to use the optical theorem (quantum wave scattering) to try to understand a binary star…
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    Retirement: A Full-Time Job

  • Another Way to Save on Travel Costs in Retirement

    Retired Syd
    1 Apr 2014 | 10:01 am
    (Photo Details:  Sydney and Doug overlooking the Lido Deck) We just got back from a cruise, my first ever, to Mexico.  My parents-in-law splurged and treated the entire family to luxurious mini-suites with adjoining balconies.  I only gained one pound, which was a real feat considering the quantity of food I consumed while onboard.   But even for people without such generous parents, there's still a way to enjoy vacations without paying for lodging.  That's the subject of my article in yesterday's Wall Street Journal--sorry for the delay in posting:  Home Exchanges Can Stretch Your…
  • Save More So You Can Splurge More

    Retired Syd
    26 Mar 2014 | 3:00 pm
    (Photo Details:  Sydney and Doug on the splurge-more side of the equation in Hawaii) Despite the fact that I do a lot of things to save money, I would not describe myself as a frugal person.  While I do like to save a buck, or thousands of them, I do not shy away from spending when it’s something that I really want.  We saved a ton of money on flights to and around Southeast Asia, but our first week’s tour is something no frugal person would approve of.   I don’t save money just for the purpose of saving money, I save it so I can spend it on something I really value.  We have a…
  • Fear of Flying

    Retired Syd
    25 Mar 2014 | 12:02 pm
    (Photo Details:  Twenty-one year old Sydney in Paris) Putting together all that information for my post yesterday about the frequent flyer miles totally shocked me.  Not just because I hadn’t really realized how much free travel we’ve managed over the last six years.  But also because that list didn’t even include the flights we did pay for like an all-inclusive trip to Cabo, two package deals to Hawaii, and a several other trips down to LA and to Vegas.  I never would have guessed we went on that many trips! The other thing I realized, is somewhere during this travel frenzy, I…
  • Have Miles, Will Travel

    Retired Syd
    24 Mar 2014 | 9:29 am
    (Photo Details:  Used frequent flyer miles to get two of my BFF's and me to New York--Business Class!) For those of you who love to travel and want to find ways to save money doing it—this post is for you.  Today’s lesson is how to work the flight mileage award plans.  You don’t need to spend more money to get more miles, you just need to spend smarter. For Beginners You will need to start with a small investment—in a credit card that earns airline miles.  Ours costs $100 per year.  We charge everything--and I mean everything--we buy.  That means groceries, gas, clothing, home…
  • The Full-Time Job of Retirement Travel

    Retired Syd
    19 Mar 2014 | 11:01 am
    (Photo Detail:  Hayman Island, Australia) One of the things I looked forward to when I retired was the chance to travel more frequently, and for longer stretches of time.   Home-exchange has turned out to be a great way to stretch the length of our trips without straining our travel budget.  But the big advantage of retirement is being able to get out of town whenever opportunity knocks. And opportunity to travel with friends has knocked many times over the last six years of our retirement.  I can only think of two or three times during my working years that we were able to coordinate a…
 
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    Oblivious Investor

  • When Should I Contribute to a Roth IRA as Opposed to Traditional IRA?

    Mike
    14 Apr 2014 | 5:00 am
    In reply to a recent Vanguard blog post indicating that investors contribute significantly more to Roth IRAs than to traditional IRAs, a reader asked for an explanation of when it makes sense to use a Roth IRA as opposed to traditional IRA. For most people, the question of whether to make tax-deferred (i.e., “traditional”) retirement account contributions as opposed to Roth contributions is a function of marginal tax rates. (At any given time, your marginal tax rate is the rate of tax you would have to pay on an additional dollar of income.) A simplified example illustrates how…
  • Investing Blog Roundup: Last Call for 2013 IRA Contributions

    Mike
    11 Apr 2014 | 5:00 am
    Just a friendly reminder: We’re down to the wire here on 2013 IRA contributions. Also, for those of you who will have to make estimated tax payments in 2014, April 15 is the due date for payment #1. Investing Articles If You Can: How Millennials Can Get Rich Slowly (a new short book by William Bernstein) Jason Zweig and Jonathan Clements on Consuelo Mack WealthTrack Vanguard Financial Plan Review Part 4 from The Finance Buff Do Small Cap Value Stocks Add Value in Retirement Portfolios? from Joe Tomlinson Why You Don’t Need to Worry About High Frequency Traders from Monevator…
  • The Social Security Lump Sum Strategy: Don’t Bother

    Mike
    7 Apr 2014 | 5:00 am
    Reminder: Today at 3pm EST, I’ll be participating in a WSJ webcast about creating an action plan for tapping investments and Social Security in retirement. Questions from viewers are very welcome, so please join us. (For anybody who is interested but who cannot make it at the scheduled time, a recorded version of the webcast will be available at the same URL afterward.) A reader recently asked me about an article in ThinkAdvisor in which the authors suggest that advisors recommend a “lump-sum” Social Security strategy to their clients. The article states: “For those…
  • Investing Blog Roundup: Social Security and Retirement Webcast

    Mike
    4 Apr 2014 | 5:00 am
    On Monday (April 7) at 3pm Eastern, I’ll be participating in a WSJ webcast about creating an action plan for tapping investments and Social Security in retirement. Questions from viewers are very welcome, so please join us. (For anybody who is interested but who cannot make it at the scheduled time, a recorded version of the webcast will be available at the same URL afterward.) Investing Articles What Michael Lewis’s Book Has to Do With Your Money from Carl Richards Vanguard Financial Plan Review Part 3 from The Finance Buff Watching the Market Is Not Investing from Rick Ferri…
  • Testing an Advisor with Part of Your Portfolio

    Mike
    31 Mar 2014 | 5:00 am
    A reader writes in, asking: “What do you think about testing an advisor for a few years by giving him just a piece of the overall portfolio before turning everything over?” I think the answer depends on what type of advisor you’re considering. But first, let’s get something important (and perhaps obvious) out of the way: Intentionally withholding information from your advisor is generally unhelpful if your goal is to get the best advice possible. As a result, anybody giving you financial advice should at least know about all of your holdings. If we’re talking…
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    Getting Your Financial Ducks In A Row

  • Obamacare and Your 2013 Tax Return

    Jim Blankenship
    14 Apr 2014 | 5:12 am
    Taxation – Highlighted in the dictionary (Photo credit: efile989) So – you’re considering your income tax return (or maybe you’ve already filed) and you’re wondering if there are things you need to know with regard to Obamacare.  Fortunately, it’s not much (for most folks), for your 2013 return anyhow.  Next year will be a different story. The IRS recently produced their Health Care Tax Tip HCTT-2014-10 which lists some tips about how the health care law impacts your 2013 tax return.  The actual text of the Tip is below: What do I need to know about the Health Care Law for…
  • The Cost of Waiting

    sraskie
    11 Apr 2014 | 5:00 am
    Procrastination is a silent and slow killer. Everyone, including yours truly, is guilty of putting things off, waiting until the last minute and then scurrying around frantically to get done what we could have easily gotten finished weeks or months ago if we would have either planned ahead or simply started. Let me give you an example. Last year my wife and I were debating whether or not to have a tree removed from our back yard. The culprit is the much loathed sweet gum tree that is common in this area of the country. Readers familiar with this pariah of the deciduous family of trees…
  • Avoiding Mistakes on Your Tax Return

    Jim Blankenship
    10 Apr 2014 | 5:43 am
    “YOU ARE ONE OF 50,000,000 AMERICANS WHO MUST FILL OUT AN INCOME TAX RETURN BY MARCH 15. DO IT NOW^ AVOID THE RUSH…. – NARA – 516202 (Photo credit: Wikipedia) When filing your tax return you want to make sure that you don’t make mistakes.  Mistakes can be costly in terms of additional tax and penalties, as well as the extra time and grief they can cause you.  Most of the time using e-filing software can help you to avoid these mistakes, but you should check over the return anyhow to make certain you haven’t fat-fingered something or if something didn’t go wrong…
  • Capital Gains and Losses and Your Tax Return

    Jim Blankenship
    9 Apr 2014 | 5:38 am
    AlistairDarling (Photo credit: StCartmail) When you own certain kinds of assets and you sell them, you may incur a capital gain or loss that is applicable to your income tax preparation.  If the original purchase price plus applicable expenses associated with the asset (known as the basis) is less than the proceeds that you receive from the sale of the asset, you have incurred a capital gain.  On the other hand, if the basis of your asset is greater than the proceeds from the sale, you have incurred a capital loss. Capital gains are taxable to you, using a separate tax rate – and capital…
  • Simplified Home-Office Deduction Available

    Jim Blankenship
    7 Apr 2014 | 5:54 am
    home office (Photo credit: Sean MacEntee) Beginning with your 2013 tax return you have a new option available for calculating the Home-Office deduction – based solely on the square footage of the dedicated space used for the home office. Instead of having to maintain records that are directly and indirectly associated with your home office, you can use the simplified method, which applies a flat $5 rate per square foot to the home office space, up to a maximum of $1,500. The record-keeping and tax preparation simplification is very beneficial: Form 8829 (the usual home-office deduction…
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    Personalincome.org

  • 7 Investing Terms About the Stock Market You Must Know to Succeed

    Carrie Smith
    15 Apr 2014 | 7:54 am
    Are you just starting to invest in the stock market? It’s often an overwhelming, and even scary, subject for many of us who don’t understand it. But the thankfully it’s been around for a long time and isn’t as complicated of a subject as you might think. Since 1792, when the New York Stock Exchange (NYSE) traded it’s first securities and 1817 when the Exchange Board was accepted, investors have been putting their hard-earned money into the market. So don’t be afraid to get your piece of the stock market’s pie, and make your financial goals a reality. In an effort to reduce the…
  • Provident Trust Group, LLC Review

    Donny Gamble
    13 Apr 2014 | 12:48 pm
    Provident Trust Group Analysis and Recommendations Provident Trust Group is a relatively young company that has managed to maintain a generally positive reputation in the financial and investment community. A few complaints were filed against the company in the Better Business Bureau website, but they were only minor and were immediately resolved by the company. Although the small number of complaints were not enough to shed a bad light on Provident Trust Group, positive reviews about the company from real and current clients were hard to find. However, one must keep in mind that this does…
  • NuView IRA, Inc. Review

    Donny Gamble
    11 Apr 2014 | 12:22 pm
    NuView IRA Analysis and Recommendations There is not much information available about NuView IRA, Inc online. In other words, prominent watchdog sites do not feature customer reviews about the company. However, even though the company lacks documented client feedback, this does not mean that the company provides satisfactory service. BBB Rating: A+ http://www.bbb.org/central-florida/business-reviews/financial-services/nuview-ira-in-lake-mary-fl-90206553 In the Better Business Bureau website, NuView IRA was given an “A+” rating on a scale from F to A+. According To the organization’s…
  • Smart Ways for Retirees to Make Supplemental Income

    Kevin Mulligan
    10 Apr 2014 | 9:08 am
    Planning on living on Social Security? What was once a nice level of income support during your golden years has eroded over time to most likely not being enough to live on. Unfortunately, Social Security rules discourage you from earning extra income during retirement. If you won’t reach full retirement age during this tax year the government will deduct $1 of Social Security benefit from every $2 you earn this year above $15,480 if you end up retiring this year. If you would reach full retirement age at some point during the year and end up retiring, they deduct $1 of benefit from…
  • Defining Wealth – Then Creating a Strategy to Obtain It

    Kevin Mercadante
    8 Apr 2014 | 8:15 am
    When it comes to defining wealth most of us have a fairly one-dimensional concept of what it is. We most typically think of it in terms of financial assets – stocks, bonds, and other interest-bearing securities. But there’s more to wealth than financial assets, in fact I can list at least five more. And I’ll bet you can come up a couple that I haven’t even thought of. This is important because once we can define the various aspects of wealth, we can begin creating strategies to obtain it – in whatever forms it takes. Let’s look at each of the six areas of wealth that I’ve…
 
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    fl-retirementplan.com

  • 1st Quarter Review 2014

    Gardner Sherrill
    17 Apr 2014 | 3:13 am
  • Weekly Perspective April 14, 2014

    Gardner Sherrill
    14 Apr 2014 | 8:44 am
    The Markets If you’re feeling whiplashed from the mid-week collision of good and bad economic news, you’re not alone. On Wednesday, the Federal Reserve’s Open Market Committee (FOMC) meeting minutes were released and investors were reassured by what they read. Although the Fed lowered its Gross Domestic Product (GDP) growth projections for the first half […]
  • Is it time to be hopeful about global economic growth?

    Gardner Sherrill
    11 Apr 2014 | 12:40 pm
    Certified Financial Analysts (CFAs) are more optimistic and confident that both local and global economies may grow this year, according to the 2014 Global Market Sentiment Survey (pg 5). Sixty-three percent of CFA Institute members think the world economy may expand in 2014. That’s a big change from 2013 when only 40 percent were optimistic […]
  • Weekly Perspective April 7, 2014

    Gardner Sherrill
    7 Apr 2014 | 2:23 pm
    The Markets  The first quarter of 2014 offered up all the excitement and chills of a thriller. First, stock markets careened like runaway mining cars during January. Next, in her first press conference as new Federal Reserve Chairwoman, Janet Yellen implied the Fed might tighten monetary policy sooner than anyone expected which unsettled markets. Finally, […]
  • What does the Future Hold?

    Gardner Sherrill
    4 Apr 2014 | 10:30 am
    If you’re wondering about reality television, National Public Radio says it may be virtual reality goggles that let viewers feel as though they are part of a show or let them interact with shows. If you’re asking about astronomy, it could be finding a planet that’s ten times larger than earth orbiting our sun. Of […]
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    Bankrate.com » Retirement

  • Tips from Michael Phelps’ return

    Jennie Phipps
    16 Apr 2014 | 1:28 pm
    Olympic swimmer Michael Phelps is abandoning retirement and jumping back into the pool. Here's what we can learn from his experience.
  • Hiring home caregivers directly

    Jennie Phipps
    15 Apr 2014 | 9:40 am
    Fewer long-term care insurance policies allow insureds to pay for home care directly, but being able to do this can stretch long-term care dollars.
  • 8 ways to hedge a longevity bet

    Jennie Phipps
    14 Apr 2014 | 12:28 pm
    Outliving your money is a big retirement risk. Here are eight ways to keep enough income flowing.
  • Carrots to keep boomers working

    Jennie Phipps
    13 Apr 2014 | 5:00 am
    Here's an idea for a low-cost incentive plan that encourages older workers to hang around.
  • A Social Security scam?

    Barbara Whelehan
    11 Apr 2014 | 11:25 am
    The Treasury and the Social Security Administration are intercepting tax refunds to satisfy old debts going back decades. Should this be allowed to happen?
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