Retirement

  • Most Topular Stories

  • The Gaps in Retirement Savings "Gaps"

    Data "Points"
    21 Mar 2015 | 4:39 am
    As spring follows winter, so apparently do dire predictions about the nation’s retirement prospects. For example, the Center for Retirement Research (CRR) at Boston College now claims we are looking at a $7.7 trillion dollar “retirement gap” for American workers, up from $6.6 trillion five years ago. Meanwhile, a new report by the National Institute on Retirement Security (NIRS) on what it called the “Continuing Retirement Savings Crisis” didn’t cite a specific aggregate gap, but a year ago NIRS employed a similar approach to suggest that that gap was likely somewhere between $6.8…
  • Should You Delay Retirement?

    Getting Your Financial Ducks In A Row
    jim@blankenshipfinancial.com (Jim Blankenship)
    20 Mar 2015 | 5:00 am
    The question of delaying retirement may arise as you get closer to your “goal year” of when you want to retire. For some individuals’ fortunate enough to be covered under a company or state pension, it can be tempting to retire as soon as possible and collect the pension benefit. The same may be true for folks wanting to start taking Social Security at age 62. Before making the decision to retire or retire early an individual should consider the effects on delaying retirement and continuing to work. This is assuming that they can accrue extra pension benefits for the extra years of…
  • Analyze your assets to avoid missing the mark

    Getting Your Financial Ducks In A Row
    jim@blankenshipfinancial.com (Jim Blankenship)
    23 Mar 2015 | 5:06 am
    When we talk about financial fitness, one of the measures that is most important to the conversation is the value of our assets. There are really five different kinds of assets that we should consider: Personal Assets. Clothing, furnishings, and jewelry fit into this category. Most of this “stuff” decreases in value to less than half what we paid for it before we even get it home. Household Assets. This includes real estate, cars, and appliances. Most of these items either appreciate in value over time or provide a fair value over their life (in relation to renting the service). The total…
  • May’s Online Class: The Key to Retirement Success

    Sensible Money - Scottsdale Financial Advisors
    Dana Anspach
    23 Mar 2015 | 11:42 pm
    The Key to Retirement Success – Click pic above to register. In this free online retirement class we’re going to discuss the retirement risks that you can’t control such as longevity, market returns, inflation, the economy, and how they affect how much money you will need in retirement. Then we’re going to show you how you can adjust the items you can control, such as spending, tax management, investment risk, and your retirement date, to maintain a stable life-long standard of living. This class will be live. It will run about one hour followed by questions and answers. It will…
  • IRA Window Closing Fast

    FutureAdvisor Blog
    Robert Shaye
    25 Mar 2015 | 12:44 pm
    On April 15th, the window for prior year IRA contributions will close for good. Have you already maxed out your 2014 Traditional or Roth IRA with $5,500? (or $6,500 for those 50 and over.)  Or, are you receiving a tax refund and wondering how to invest it?  Here at FutureAdvisor, we have your back.  Retirement planning is surprisingly similar to kids’ books: you have to choose your own adventure.  Here are the choices: You have already maxed your 2014 IRA: Nice work! Now read this article on why maxing out your 2015 IRA is smart. You think Ira is one of your grandmother’s cribbage…
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    Data "Points"

  • The Gaps in Retirement Savings "Gaps"

    21 Mar 2015 | 4:39 am
    As spring follows winter, so apparently do dire predictions about the nation’s retirement prospects. For example, the Center for Retirement Research (CRR) at Boston College now claims we are looking at a $7.7 trillion dollar “retirement gap” for American workers, up from $6.6 trillion five years ago. Meanwhile, a new report by the National Institute on Retirement Security (NIRS) on what it called the “Continuing Retirement Savings Crisis” didn’t cite a specific aggregate gap, but a year ago NIRS employed a similar approach to suggest that that gap was likely somewhere between $6.8…
  • The Trouble With Tibble

    7 Mar 2015 | 1:00 am
    Ours is a complex business. For one thing, it’s fraught with potential peril for inattentive plan fiduciaries, many of whom find themselves tasked with the responsibilities of the role (frequently as part of a much wider range of responsibilities) with little in the way of background, training or explanation to help.And then you have the defendants in the Tibble v. Edison International case: a large ($2 billion-plus) plan that not only had an investment committee, but also one separate from the benefits administration function. Moreover, that investment committee had access to the services…
  • The Importance of Having a Plan

    28 Feb 2015 | 3:30 am
    Over the course of my career, I’ve had the opportunity to participate in any number of “projects,” and to manage more than a few.Some were explicitly tagged as such at the start, while others simply expanded to fit that name. Most of those projects turned out well; others faded into the woodwork after a time; some drew to a close after “redefining success;” and a couple actually “crashed and burned.” A lot of variables determine whether a project will be a success or failure, but in my experience, projects that lack either a limited budget and/or a specific timeframe are doomed…
  • 3 Things Every Plan Committee Member Should Know

    20 Feb 2015 | 5:44 am
    Plan investment committee members come in all shapes and sizes, sometimes drawn exclusively from staff of the employer sponsoring the plan, sometimes not. More importantly, they are frequently tapped for this important role for reasons that may have little to do with their background or expertise in the matters that will come before the committee.Now, with luck they’ll learn early on about the requirement to act solely in the interests of plan participants and beneficiaries, the importance of process (and documenting that process) and the implications of the prudent expert rule. But as…
  • The Impact of Assumptions on the Impact of Leakage

    13 Feb 2015 | 3:53 pm
    It has become something of an article of faith in our industry that “leakage,” the distribution of money from retirement accounts prior to retirement, is bad.Bad, of course, in the sense that those “premature” withdrawals, via hardship withdrawals, loans or the so-called “deemed distributions” that result when a termination occurs when a loan is outstanding, reduce individual retirement savings. So when the Center for Retirement Research at Boston College published a paper last week entitled “The Impact of Leakages on 401(k)/IRA Assets,” it really wasn’t a question of…
 
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    Sensible Money - Scottsdale Financial Advisors

  • May’s Online Class: The Key to Retirement Success

    Dana Anspach
    23 Mar 2015 | 11:42 pm
    The Key to Retirement Success – Click pic above to register. In this free online retirement class we’re going to discuss the retirement risks that you can’t control such as longevity, market returns, inflation, the economy, and how they affect how much money you will need in retirement. Then we’re going to show you how you can adjust the items you can control, such as spending, tax management, investment risk, and your retirement date, to maintain a stable life-long standard of living. This class will be live. It will run about one hour followed by questions and answers. It will…
  • Investment Sense – Feb 2015 – Diverging Returns

    Dana Anspach
    3 Feb 2015 | 7:32 am
    Index Returns Through 12-31-14 This month we want to provide a quick snapshot of 2014 results and talk about how things are shaping up as we begin 2015. Diverging Returns In 2014, while U.S. equity returns were high relative to those of other regional markets, returns within various U.S. market segments diverged. U.S. large cap stocks significantly outperformed small cap stocks. In addition, for the third year in a row the U.S. large cap market avoided a 10% market correction (which historically on average occurs about every 8 months). This unbroken streak of positive U.S. large cap…
  • Investment Sense – 2014 Year-End Edition

    Dana Anspach
    3 Dec 2014 | 11:33 am
    Different parts of “the market” do not always deliver the same results. To share our approach on portfolios and the current investment climate, we thought we’d present this edition of Investment Sense in a Question & Answer format, reflecting some of the questions our clients have asked recently. Q. I have not been watching our accounts real closely but I did notice something that seems very strange to me. In early September the DOW was around 17300. Later in September and October the DOW dropped to about 16000 and the account dropped accordingly. Today the Dow is at 17800…
  • The Key to Retirement Success – Online Class – Q&A

    Dana Anspach
    21 Oct 2014 | 3:53 pm
    Key to Retirement Success – Recorded Video Class Sensible Money’s founder and MoneyOver55 Expert Dana Anspach hosted a live online retirement class in October. You can view the recorded version on YouTube at Key to Retirement Success. Below are a collection of questions that were asked by attendees. Dana has provide a written answer to each question and when applicable provided links to additional articles and resources. Questions and Answers Question: My question is what is the best way to cover the “gap” if you retire early before you are eligible for access to…
  • How to Put the Meaning into Retirement

    Dana Anspach
    22 Sep 2014 | 1:34 pm
    FreeDigitalPhotos.net You have a unique opportunity in retirement. A large portion of your time is no longer needed to sustain yourself. You have true financial independence and the possibility of using your time to contribute to anything you want – whatever matters the most to you. Given that, if there was one thing and only one thing I could get you to do as you transitioned to retirement, what do you think it would be? Most of you are probably smiling thinking “She’s going to say we need to get a financial plan.” Nope, that’s not it. The one thing I would want every near…
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    FutureAdvisor Blog

  • IRA Window Closing Fast

    Robert Shaye
    25 Mar 2015 | 12:44 pm
    On April 15th, the window for prior year IRA contributions will close for good. Have you already maxed out your 2014 Traditional or Roth IRA with $5,500? (or $6,500 for those 50 and over.)  Or, are you receiving a tax refund and wondering how to invest it?  Here at FutureAdvisor, we have your back.  Retirement planning is surprisingly similar to kids’ books: you have to choose your own adventure.  Here are the choices: You have already maxed your 2014 IRA: Nice work! Now read this article on why maxing out your 2015 IRA is smart. You think Ira is one of your grandmother’s cribbage…
  • Savvy Millennials Do This at the Start of Each Year

    Robert Shaye
    6 Mar 2015 | 4:40 pm
    It was New Year’s Day and I woke up thirsty, headachy, trying not to think about the pile of dishes in the sink. My girlfriend and I held a New Years Eve party the night before, and we were both still recovering. While she jumped in the shower, I ignored the dishes and flipped open my Mac between two sticky puddles of champagne drying on the living room table. I log into my Fidelity account and suddenly the headache’s gone. Hangover or no hangover, this is one of my favorite times of year… New Years Day is special, but it’s not about taking a day off from work. With each new year, a…
  • It’s Tax Season: Do These 3 Things to Save Money This Year

    Robert Shaye
    24 Feb 2015 | 3:26 pm
    Even if you’ve already filed your taxes, now is a great time to think about what you can do to reduce your annual tax liability.  While smart tax planning happens year round, here are three things you can do right now to save money: Maximize your tax shelters One of the best ways to reduce your annual tax liability is to maximize your tax shelters. This means maxing out your IRA and 401k (especially if you get matching contributions) and then saving additional retirement dollars in a taxable account.  Sadly many Americans make the mistake of not maximizing their tax shelters and as a…
  • Our Algorithms Are Better — Here’s How

    futureadvisor
    13 Feb 2015 | 6:33 pm
    FutureAdvisor’s algorithms and recommendations have been helping customers do some great things over the past several years. Our 250,000 clients have seen firsthand our ability to find opportunities to keep savings in their portfolios. As just one example: the average FutureAdvisor Premium customer with a taxable account saved $600 in taxes in December alone through our powerful tax-loss harvesting capabilities. For many investors, these savings cover the cost of our premium service for an entire year. We’re still pushing to improve. Our engineers are making some smart updates to our…
  • I Was a Wealth Manager, and I Cashed Out During the Crash

    futureadvisor
    27 Jan 2015 | 11:58 am
    Don’t time it. After almost a decade working in wealth management firms and large banks, I’ve come to understand this simple fact: unless you’re a standup comedian, you probably don’t have timing down. I started my career in 2004 — heady days — researching on contract for investment teams while I was still an undergrad. After college, I moved into wealth management. Investors were chasing equities like six-year-olds go after Halloween candy. Diversification was just another word for missing out. During the panic of late 2008 and early 2009, my clients abandoned stocks, and…
 
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    Brunswick Plantation Living

  • Soaring Angels…Celestial Sounds of Seaside United Methodist

    Bev
    25 Mar 2015 | 3:23 pm
    Brunswick Plantation and Golf Resort ® is the perfect location for active folks from far and near! There is something for everyone, and opportunities to share your talents! The “Soaring Angels” of Seaside United Methodist Church in Sunset Beach serenade … Continue reading → The post Soaring Angels…Celestial Sounds of Seaside United Methodist appeared first on Brunswick Plantation Living.
  • Golf News from the Pro 3.15 by Brunswick Plantation Living

    Kevin Anderson
    16 Mar 2015 | 6:38 pm
    Hello to All: Spring is here and we are looking for some beautiful weather here in coastal North Carolina. My staff and I are happy to see everyone playing golf. Reminders Members may only make starting times in the morning … Continue reading → The post Golf News from the Pro 3.15 by Brunswick Plantation Living appeared first on Brunswick Plantation Living.
  • Coastal Living News and Events 3.15

    Bev
    16 Mar 2015 | 6:31 am
    Day Light, Day Bright, We can see the Sun later each night…Since Daylight Savings Time!  We now have a longer time to enjoy the many pleasures of Spring and Summer! Folks at Brunswick Plantation and Golf Resort ® can play … Continue reading → The post Coastal Living News and Events 3.15 appeared first on Brunswick Plantation Living.
  • Brunswick Plantation News and Events 3.15

    Bev
    16 Mar 2015 | 5:57 am
    Brunswick Plantation and Golf Resort ® is a great place to welcome Spring in Coastal Carolina. Folks who live in the lovely gated community are  always planning ways to share the Fun for Everyone! We have some interesting activities and … Continue reading → The post Brunswick Plantation News and Events 3.15 appeared first on Brunswick Plantation Living.
  • Beach Music…A Lifestyle of “Beach and Shag”

    Bev
    12 Mar 2015 | 12:55 pm
    Beach Music…Also known as Carolina Beach Music, is very popular in North and South Carolina. It has a perfect beat for the Carolina Shag…A dance with a smooth rhythm & gliding steps. Music with a 4/4 “Blues Shuffle” rhythmic structure … Continue reading → The post Beach Music…A Lifestyle of “Beach and Shag” appeared first on Brunswick Plantation Living.
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    Retirement And Good Living

  • The Truth About Aging

    Professor Sarah H. Kagan
    19 Mar 2015 | 4:01 pm
    I’ve long believed there must be some kernel of truth in any saying or aphorisms that we use to punctuate our conversations and read from authors and others. In an aging society, I’m particularly conscious of the sayings we use to describe old age. Some of those sayings take a bit of examination to find ...more
  • International Volunteering for Professionals

    John Dwyer
    13 Mar 2015 | 8:24 am
    There is a demand for professional service volunteers in the developing world and international volunteering can add a fulfilling dimension to your life. A volunteer has the ability to travel, learn new cultures, and contribute to the enhancement of others’ lives while enhancing one’s own.   Volunteer sending organizations and non-governmental organizations (NGOs) are seeking ...more
  • Ibuprofen and Aging

    Dr. Chong He
    11 Mar 2015 | 8:53 am
    The ibuprofen story began in 2013, a year after I joined Dr. Brian Kennedy’s lab at the Buck Institute for Research on Aging. At that time, I had embarked on a new project involving a novel path to the discovery of drugs that slow aging. While the strategy follows a common path in aging research ...more
  • 5 Ways a Golden Attitude Can Improve Your Golden Years

    Dr. Sharon Bergquist
    5 Mar 2015 | 6:04 am
    Rather than acting your age, you may be better off acting your attitude.   That’s right. By celebrating rather than dreading the number of candles on your birthday cake, you can improve your health and longevity.   Without realizing it, your attitude about your age gets internalized and ultimately influences your physical and emotional health. ...more
  • Why I’m Not in Boston

    Len Schritter
    1 Mar 2015 | 9:54 am
    I hate the snow!   Didn’t used to be this way. In my former life, that is my life away from Arizona, winter weather and all the inconveniences that go with it were just part of the deal. We didn’t know any different. Every fall, just as soon as that familiar chill was felt in ...more
 
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    A Satisfying Retirement - Is a Lifestyle You Choose

  • The Excitement of a Fresh Start

    Bob Lowry
    26 Mar 2015 | 2:00 am
    Our house has sold. It took 14 days to change the "For Sale" sign to one that says, "Sale Pending." While this was the goal it still took us by surprise: we had no place else to live and the new owner wants to be in our house by early May. The RV was beginning to look more and more like someplace we would be living for a period of time. Not to worry. Two days later Betty and I found a home we immediately liked that is a mile from the grand kids and closer to our other daughter than where we live now. Of course, it broke two of the "rules'" we had established for the move: a…
  • It May Be Part of Life But I Am In No Rush To Welcome It

    Bob Lowry
    23 Mar 2015 | 2:00 am
    Within the past month I have experienced the sting of death several times. My dad passed away on March 7th. On March 17th Betty and I received a call that a 87 year old gentleman we had driven to church every month for the past year was near death. He passed away two days later. Then, on March 18th, a man who I had worked with in radio over 40 years ago lost his year long battle with leukemia. I know it is part of life and I know it is unpreventable and inevitable, but I don't have to welcome it. My faith promises me that my death will not be the end of me, but…
  • Netflix's Business Model Explains A Lot

    Bob Lowry
    19 Mar 2015 | 2:00 am
    I imagine there are very few folks who haven't heard of Netflix. With over 54 million subscribers in 50 countries, it has established itself as the leader in streaming video services. Some could argue that it is largely responsible for the move away from cable TV in the home and into the world of on-demand video from companies like Amazon Prime and Hulu, as well as Netflix.Personally, I am a huge fan of these choices. From paying over $100 a month for hundreds of cable channels that I rarely watched I now pay $17 a month for Netflix's unlimited streaming service and DVD mailed-to-my-home…
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    Early Retirement Extreme

  • The climate science debate

    Jacob
    26 Mar 2015 | 10:59 pm
    I just watched this debate on climate change (thanks to T_ from pointing it out) … and now I feel a rant is coming on. I’m happy that some are still willing to debate. Then again, maybe I’m not. I think it’s sad when science is being “debated” in a “fair and balanced” manner. It reflects a complete misunderstanding on part of the people (journalists and politicians?) of what the point of science is. The point of science is to provide a true (useful) understanding of the natural world. Good science provides a useful and coherent understanding.
  • Running as transportation

    Jacob
    26 Mar 2015 | 10:53 am
    When I first came to the US about five years ago, someone asked me if I rode bikes, as in bicycles. I replied in the affirmative, and then I was asked whether I liked to ride for fun. “For fun?”, yes, you see in the US, people mainly ride bikes recreationally, whereas in Europe, people mainly ride bikes as a form of transportation from point A to B. This orientation is extremely ingrained. Having no longer a need to go from A to B, I find myself rarely riding my bike. Now, in the US, walking is something you do inside the mall (also Segways are gaining popularity) and in Europe…
  • The life and death of a blogger

    Jacob
    25 Mar 2015 | 10:50 pm
    I just went through my RSS reader which I admit that I rarely use and noticed that many good blogs which I used to read are now defunct. Through my tenure as a blogger, I have also noticed that readers have come and gone. Perhaps the blogosphere is indeed like an eco-system where blogs live and die as bloggers run out of things to say and blog readers enter and feed of the blogs until they have learned all they can and leave again. This leaves long time bloggers, who resort to repeating themselves. I used to think that that was a bad thing, but perhaps it is justified due to the systemic…
  • What happens to technology if people quit their jobs

    Jacob
    25 Mar 2015 | 10:47 am
    csdx brought an interesting concern too bear on the last post, namely, that if we all dialed back our 9–5 what would happen to technological progress. Would we become a world of luddites? On a related note, what if people decided to work less? Well, no. The Soviet Union and the Western World had about the same level of technological development. The Soviets were able to command the full resources of their country for the arms race yet they lost to a system of government that did not? Why? Because under a communist system, the incentives to work just aren’t there(*). In the Western…
  • The art of waiting

    Jacob
    24 Mar 2015 | 10:42 pm
    For someone who is not working a 9–5 job, time takes a very different meaning than for someone who is still on the clock. Moving from one frame of mind to another can be very challenging indeed. Since the mechanical clock was invented and work was scheduled—about 300 years ago—we have gotten so used to dividing time into equal segments that this has become almost invisible. I was reminded of this yesterday when we were discussing the weather forecast. We consider forecasting important first and foremost in terms of the timing. What will the weather be like on Thursday? We…
 
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    Retirement: A Full-Time Job

  • 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…
  • A Slap in the Face from Perspective

    Retired Syd
    27 Feb 2015 | 7:31 pm
    (Photo Details:  Flowers at the 911 Memorial, NYC) Perspective has been a bitch this week. My oldest friend’s 22-year daughter died this week.  To be more clear, my friend isn’t old, my friendship with her is—I’ve known her since the fourth grade.  Anyway, it’s been a bad week. She and her husband got a new perspective this week, one that no one really wants.  But they were able to find perspective funny the night their daughter died.  When they left the hospital that night, they stayed at a local hotel before returning to their hometown the next day.  When they checked in,…
  • Does Retirement Secretly Suck?

    Retired Syd
    4 Feb 2015 | 6:17 pm
    I know I said I was going to tell you the secret to living to 122, but I got distracted. A few days ago I read this post suggesting that it’s a mistake to retire at 62.  Actually, it sounds like Steve McDonald thinks retirement sucks no matter what age you are.  He says the more he learns about retirement, the less he understands “why the heck we are in such a rush to get there.”   I’ll concede that it’s a mistake to retire before you have the money to retire--and of course the longer you work, presumably the more financially ready you will be for retirement.  There is that. But…
  • Do You Want to Try for 122?

    Retired Syd
    3 Feb 2015 | 10:37 am
    I promised I would share some of what I’m learning in my class about living to 100.  Why try to live to 100? The class isn’t really about living to a specific age as much as it is about being as healthy and vibrant as you possibly can at any age.  But if you do what is necessary to achieve that goal, you’ll likely find yourself living longer than if you didn’t take steps to remain healthy and vibrant.  The class is taught by William Bortz, a professor of Medicine at Stanford University.  The first night of class Dr. Bortz told us a little about himself.  He is 84 years old, takes…
  • How Not to Be a Burden on Your Kids

    Retired Syd
    24 Jan 2015 | 11:55 am
    I'm very excited to report that I have been asked to join the Wall Street Journal's esteemed panel of experts who write about retirement topics on WSJ's blog, The Experts. I'm taking an adult education class this quarter called "Roadmap to 100," about the keys to longevity.  We've only had one class meeting, and already I've got tons of tidbits I want to share with you all.   It continues to amaze me how some people seem so old at 62, while others seem so young at 92.  Our professor, an 84-year old former doctor, who runs one marathon a year and is taking no medications, is exploring with…
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    Oblivious Investor

  • Is a Roth Conversion a Good Idea?

    Mike
    23 Mar 2015 | 5:00 am
    A reader writes in, asking: “Regarding Roth conversions, is it worth it to convert, putting yourself in pretty high tax brackets if you have a lot to convert? Second is it worthwhile to do some converting when the result would likely still leave you with heavy RMD’s and 85% of SS taxed, nullifying some of the better reasons to convert?” In the simplest situation — in which a person has only tax-deferred and Roth accounts — it usually only makes sense to do a Roth conversion if your marginal tax rate on the conversion is lower than you expect your marginal tax rate to…
  • Investing Blog Roundup: Rebalancing Isn’t Easy

    Mike
    20 Mar 2015 | 5:00 am
    Over the last few weeks, I’ve repeatedly received questions (and seen similar questions on the Bogleheads forum) about whether it’s worth ditching international stocks entirely, given their poor performance over the last several years relative to U.S. stocks. In short, my answer is that that’s the opposite of what most investors should be doing right now. For any investor following a buy/hold/rebalance investment strategy, now is the time to be rebalancing into international stocks. By definition, rebalancing means beefing up your allocation to the asset class that has…
  • Which Interest Rates Affect Bond Prices?

    Mike
    16 Mar 2015 | 5:00 am
    A reader writes in, asking: “I understand that a bond’s price goes up when interest rates go down and vice versa. Do interest rates usually move together with all rates going up by roughly the same amount? And if not, which interest rate is it that determines bond prices? Federal funds rate? Treasury bond rates? Other??” Firstly, interest rates do not move in lockstep. For example, if the yield on 1-year Treasuries goes up by 1%, you shouldn’t expect the yield on 10-year Treasuries to necessarily go up by the same amount. It might go up by more than 1%, it might go…
  • Investing Blog Roundup: Senate Tax Writers Want Your Input

    Mike
    13 Mar 2015 | 5:00 am
    I generally make a point to keep politics out of my writing, because I do not want to alienate anybody. (And I don’t intend to change that policy.) At the same time, many financial topics are important political issues. Kay Bell of Don’t Mess With Taxes has some information this week on how you can participate in the current tax reform discussion, if you’re interested. Senate Tax Writers Want Public Suggestions for Tax Reform from Kay Bell Investing Articles Sequence Risk vs. Investment Risk from Wade Pfau 6 Lessons That Work in Up Markets and Down Markets from Allan Roth…
  • What Are the Advantages of Tax-Managed Balanced Funds?

    Mike
    9 Mar 2015 | 5:00 am
    A reader writes in, asking: “Now that tax season is beginning to wind down, I was wondering if you might weigh in on the pros and cons of Tax-managed balanced funds and how they might serve a place in a retirement portfolio for a typical investor? I wasn’t able to understand a lot about the advantages of Vanguard’s VTMFX for example.” If we compare the Vanguard Tax-Managed Balanced Fund to the Vanguard Balanced Index Fund, the tax-managed fund is supposed to be more tax-efficient for two reasons: it uses municipal bonds rather than taxable bonds and it skews the stock…
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    Getting Your Financial Ducks In A Row

  • Analyze your assets to avoid missing the mark

    jim@blankenshipfinancial.com (Jim Blankenship)
    23 Mar 2015 | 5:06 am
    When we talk about financial fitness, one of the measures that is most important to the conversation is the value of our assets. There are really five different kinds of assets that we should consider: Personal Assets. Clothing, furnishings, and jewelry fit into this category. Most of this “stuff” decreases in value to less than half what we paid for it before we even get it home. Household Assets. This includes real estate, cars, and appliances. Most of these items either appreciate in value over time or provide a fair value over their life (in relation to renting the service). The total…
  • Should You Delay Retirement?

    jim@blankenshipfinancial.com (Jim Blankenship)
    20 Mar 2015 | 5:00 am
    The question of delaying retirement may arise as you get closer to your “goal year” of when you want to retire. For some individuals’ fortunate enough to be covered under a company or state pension, it can be tempting to retire as soon as possible and collect the pension benefit. The same may be true for folks wanting to start taking Social Security at age 62. Before making the decision to retire or retire early an individual should consider the effects on delaying retirement and continuing to work. This is assuming that they can accrue extra pension benefits for the extra years of…
  • Get your billion back, Americans – time’s running out

    jim@blankenshipfinancial.com (Jim Blankenship)
    18 Mar 2015 | 5:34 am
    Photo courtesy of Josh Felise via Unsplash.com. Oftentimes folks with low incomes don’t see the need to file a tax return. Much of the time this is the correct way to go – after all, why go through the hassle and expense of filing a tax return for no purpose? Unfortunately, many of these folks who didn’t file a tax return are actually due a refund of withheld tax, and possibly even tax credits that they weren’t aware of. The IRS has compiled a list of approximately 1 million taxpayers who didn’t file a tax return in 2011, and this group is due a total of approximately $1 billion in…
  • Missing your SSA-1099? Here’s How to Get It

    jim@blankenshipfinancial.com (Jim Blankenship)
    16 Mar 2015 | 5:40 am
    Photo courtesy of Kyle Szegedi via Unsplash.com. The Social Security Administration has a lot on their plate. Along with handling the tax rolls from some 150 million-plus wage earners, servicing around 50 million retirees and surviving spouses and 11 million-plus disabled workers and dependents, there are 10,000 baby boomers reaching retirement age each day. These folks (current recipients of benefits and newly-eligible) are generating nearly half-million phone calls a day to SSA’s 800 number, and nearly 200,000 per day visiting the local offices. Every day. And they’re doing all this on…
  • Should You Invest Dollars or Percentages?

    jim@blankenshipfinancial.com (Jim Blankenship)
    13 Mar 2015 | 5:00 am
    In many employer sponsored plans such as a 401k, 403b, 457, or SIMPLE employees are generally given the option of deferring a fixed dollar amount or fixed percentage of their income. The question becomes which category to choose when initially enrolling in the plan and whether or not to change the original decision. Generally, the wiser decision is to choose (or switch to) the fixed percentage. The reason is that by choosing a percentage, you really never have to worry about increasing your contributions. For example, an individual starts a job earning $50,000 annually and decides to…
 
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    Personalincome.org

  • Is Being a Woman Costing You Money?

    Melanie Lockert
    24 Mar 2015 | 8:59 am
    The other day I was having a conversation with a friend about my hair. I had told her that I was itching to dye my hair again, but that it was something that I nixed years ago because of the cost. Even though I was frugal and dyed my own hair using cheap dye from the store, it still added up. I venture to say that I paid about $100 per year or more on my hair. That is only a fraction of what most women spend on their hair each year, but it was still an extra expense. Hair dye is just one thing that I’ve let go of in recent years, in favor of frugality. I used to wax my eyebrows, buy vintage…
  • Kabbage Review – Helping Fund Your Growth with a Small Business Loan

    Kevin Mercadante
    22 Mar 2015 | 12:35 pm
    Kabbage is an online financing platform that uses a combination of technology and social media tracking to make loans to small businesses who sell their products online. The company was founded in 2009, and is based in Atlanta. They also have a marketing office in San Francisco, and are planning on launching operations in the United Kingdom. The company has simplified the process of applying for business loans with the use of an application process that is fully automated, and happens entirely online. The borrower is able to obtain a loan decision literally within minutes. In addition to the…
  • 4 Things I Wish I Knew About Money Before Starting a Business

    Amanda Abella
    17 Mar 2015 | 8:29 am
    Like many people, as soon as I discovered that I could get paid to do what I love, I moved from having the steady paycheck of a regular job to working for myself. I also ran into the same issue many face when moving from steady to variable income: money in business is a whole different animal. In fact, many of the traditional personal finance rules that work well for people with a steady paycheck don’t necessarily transfer over to those with a business. Related Topic: 10 Questions to Ask Yourself Before Becoming a Solopreneur Had I realized this sooner I could have avoided a lot of…
  • Motif Investing Review – Start Trading with a $150 Signup Bonus

    Kevin Mercadante
    15 Mar 2015 | 1:19 pm
    Are you looking for an investment opportunity that’s different – I mean really different??? Motif may be that opportunity. With other investment brokers and platforms, you work within the framework of predetermined choices. Those choices can include wide options in stocks, bonds, mutual funds, ETF’s and other investment vehicles, or it can be a custom-designed portfolio tailored to your risk tolerance But along comes Motif Investing, who also makes all of those investments choices available to you, then tells you that you can rearrange them into any kind of portfolio that you might…
  • How I’m Paying Off $81,000 in Student Loan Debt

    Melanie Lockert
    13 Mar 2015 | 7:59 am
    Student loans and I have been together for the long haul. I signed the paperwork for my first student loans 13 years ago at the young age of 17. I hardly knew what I was doing, but knew that if I wanted to go to college, this was my only option. I attended university for four years, never really thinking much about my student loan debt. I didn’t have to pay them back yet, so it was an out of sight, out of mind situation. Upon graduation, I was shocked at my first bill. My loan had ballooned from $18,000 to $23,000 and it was in that moment that I finally understood how interest worked. All…
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    Florida Retirement Plan | RSS Feed

  • Weekly Market Commentary March 23, 2015

    Gardner Sherrill
    23 Mar 2015 | 3:12 pm
    The Markets Financial markets gave the Federal Reserve a standing ovation last week. At least, that was Barron’s interpretation. What did the Fed do to deserve it? [...]
  • International Womens Day

    Gardner Sherrill
    20 Mar 2015 | 5:24 am
    ​ #make it happen! International Women’s Day (IWD) was on March 8. It celebrated the economic, social, and political achievements of women in countries around the world. The United Nations explained IWD “is a time to reflect on progress made, to call for change, and to celebrate acts of courage and determination by ordinary women […]
  • Weekly Market Commentary March 16, 2015

    Gardner Sherrill
    16 Mar 2015 | 12:41 pm
    The Markets Franklin D. Roosevelt’s first inaugural address was delivered in 1933 in the midst of the Great Depression. He said, “This great Nation will endure as it has endured, will revive and will prosper. So, first of all, let me assert my firm belief that the only thing we have to fear is fear […]
  • Forecasting Gurus

    Gardner Sherrill
    13 Mar 2015 | 9:56 am
    Do you know who irving fisher was? The Library of Economics and Liberty described him as: [...]
  • Weekly Market Commentary March 9, 2015

    Gardner Sherrill
    9 Mar 2015 | 12:49 pm
    The Markets If you looked at last week from the perspective of the children’s book, If You Give a Mouse a Cookie, it might have gone like this: [...]
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    Bankrate.com » Retirement

  • 5 wise estate-planning steps

    Jennie Phipps
    26 Mar 2015 | 9:33 am
    You can't take it with you, but you can make a good plan for leaving your wealth to the right people.
  • What will health care really cost?

    Jennie Phipps
    25 Mar 2015 | 11:37 am
    It's tough to figure out how much you will need to pay for things that insurance or Medicare won't cover, a recent study shows.
  • Are boomers too fat to be healthy?

    Jennie Phipps
    24 Mar 2015 | 12:26 pm
    Boomers are better educated, smoke less and have greater access to technology, but a new study suggests their weight mitigates those advantages.
  • Octogenarian launches war on ageism

    Jennie Phipps
    23 Mar 2015 | 11:05 am
    At 88, Bill Zinke is fed up with the notion that old is useless and he's rallying the geriatric troops.
  • Who takes Social Security early?

    Jennie Phipps
    19 Mar 2015 | 1:04 pm
    One-third of people born in 1946 -- the first baby boomers -- took Social Security at 62, mostly because their options were limited.
 
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    Live My Retirement

  • La Grande Orange – Perfection in Phoenix

    Life adventurer
    23 Mar 2015 | 7:30 pm
    livemyretirement.com Food is a basic need for human existence. WE MUST EAT FOOD TO SURVIVE, right? There’s food that we eat that keeps us alive (I call this the fuel food – chicken, vegetables, carbs, the basic food pyramid), there’s food that we eat that we shouldn’t (call it Fast Food, call it Bar Food, call it a heartache on a plate), there’s food that’s so amazing tasting/expensive that you could spend 10% of your retirement stiffen on a splurge, and then there is La Grande Orange, which is perfection in Phoenix! This write up is about one of my many…
  • Education in Retirement

    Life adventurer
    19 Mar 2015 | 10:19 am
    livemyretirement.com Entering into retirement, you have a breath of freedom, a sense of “I can do whatever I want”.  Yet after the first few month of retirnt freedom, you may find yourself antsy to keep your mind busy as it once was. You may have been a CEO, a Chef, a Teacher, or a Stay At Home Parent – no matter the role you held in you former life, today you are retired. Thus we must keep our brains motivated to learn and keep the muscle firing! One of my favorite 2 ways to stay educated is in formal reading and also entertainment. Today I’ll be highlighting two…
  • MLB Spring Training

    Life adventurer
    9 Mar 2015 | 10:39 am
    livemyretirement.com It’s Baseball Season! Great for those who loves “America’s pass time” as it’s a great day to spend an afternoon in Spring time! Taking a break from the busy world of traveling, playing golf or learning a new skill – catching up on a MLB Spring Training game is a fantastic pass time! The beauty of being in Phoenix, Arizona is the fact many teams come here to do their Spring Training! Check out these quick tips and tricks to get the most of your MLB Spring Training visit. MLB Spring Training  Where to find your team If you visit…
  • Golfing at We Ko Pa, Arizona

    Life adventurer
    2 Mar 2015 | 7:05 pm
    livemyretirement.com Retirement living isn’t all about finding yourself, traveling, connecting, sometimes it’s about rewarding yourself with the fun you may not have as a youth. This fun is found in a variety of retirement opportunities, one that I found personal favorite enjoyment in is the game of golf – good, bad and otherwise, Golf is my way to reconnect with my joy of the game. Golfing in Phoenix is open to a plethora of courses and challenges. One such course that I have found particularly enjoyable and highly rated is We Ko Pa – rated one of the Best Resort Courses by Golf…
  • Transition Months

    Life adventurer
    3 Feb 2015 | 8:21 pm
    livemyretirement.com As January closed, it’s time for a little reflection on this first month of 2015. It’s been a busy month with travel, struggles with illness and how accurate my 2015 resolutions have held up so far. January in my eye is a transition month, one that I have noticed is a hard month for many. This article is a tribute to the struggles with a transition month and hopefully some learnings into making the rest of 2015 a gradient of positivity! January Has Such Promise Transition Months Like the sun setting, January has come to a close, which lucky for me, means that…
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    Innovative Advisory Group

  • Inflation Monitor – March 2015

    Kirk Chisholm
    23 Mar 2015 | 9:40 am
    Inflation Monitor – March 2015 Inflation Deflation 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 - March 2015 - Introduction It is March and as of today spring is finally here. It doesn't feel like spring. I only hope that the weather warms up so I don;t have to wear a winter parka in April. Boston finally broke the record for snowfall this year with 108.6 Inches. The prior record was 107.9 inches in 1872. This broken record…
  • Are Negative Interest Rates in America’s Future?

    Kirk Chisholm
    15 Mar 2015 | 5:47 am
    Are Negative Interest Rates in America’s Future? “ “Risk-free return” is the standard tag attached to the government’s solemn obligations. An investor I know, repulsed by prevailing government yields, has a timelier description – “return-free risk”."    - Jim Grant How absurd are negative interest rates? Two weeks ago in Denmark, news spread about the first person to get a business loan and get paid by the bank to do so. Eva Christiansen, and entrepreneur, earns about 1$ a month from a business loan she took out to grow her business. Let that sink in for a few minutes.
  • A Visual History of Income Inequality in the US

    Kirk Chisholm
    5 Mar 2015 | 4:46 am
    A Visual History of Income Inequality in the US   Income Inequality in America NPR put out some great images on income inequality recently. They describe the history of income inequality in the US in a way you might not have considered. Many statistics are hard to interpret, but these aren't. At first glance you might immediately jump to the conclusion that the bottom 90% of income earners have gotten squeezed since 1970. However if you look at the entire chart, it might put things into a different perspective. Read More... For more great content visit Innovative Advisory Group -…
  • Proof That Share Buybacks are a Powerful Strategy for Building Wealth

    Kirk Chisholm
    26 Feb 2015 | 4:19 am
    Proof That Share Buybacks are a Powerful Strategy for Building Wealth The Curious Case of IBM Share Buybacks This is an overlay chart of IBM's stock price and its market cap since 2000. Do you notice anything interesting about this chart? Look closer... The stock price and market cap have performed differently. How can that be? Aren't they the same? While the stock price and market cap are highly correlated, they are not the same. Stock price - The stock price is the listed price based on what buyers and sellers are willing to pay for it. Market (cap) capitalization - The market cap of a…
  • The 2014 Predictions for Investments Summarized in One Picture

    Administrator
    19 Feb 2015 | 4:41 am
    The 2014 Predictions for Investments Summarized in One Picture     Who would have guessed it? Wall Street's 2014 predictions for investments proved to be wrong. 2014 was an interesting year for the global stock and bond markets. A lot of large macro events took place which fundamentally changed the landscape of global macro economics and ultimately the performance of markets across the globe. Read More... For more great content visit Innovative Advisory Group - Innovative Wealth Management.
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    Now It Counts | NiC Magazine

  • Make Your Desert Vacation Count! Six Must-See Attractions in Arizona

    Michael Lazar
    26 Mar 2015 | 7:31 am
    The Valley of the Sun is home to a lot of history, some of which you won’t want to miss. Make your vacation count by adding these must-see attractions in Arizona to your list. Arizona has a rich, vibrant and multicultural history that can be thoroughly enjoyed. If you are wondering what places should be ... The post Make Your Desert Vacation Count! Six Must-See Attractions in Arizona appeared first on Now It Counts | NiC Magazine.
  • Alzheimer’s Shock: Only 45 Percent Of Patients Told By Docs Of Diagnosis

    Buck Wargo
    26 Mar 2015 | 6:56 am
    Only a mind-blowing 45 percent of new Alzheimer’s patients (and caretakers) told of their diagnosis by their doctors. How about this for shocking news about Alzheimer’s? What if you were diagnosed with cancer and you’re doctor didn’t tell you because he didn’t think you could handle the shock? You’d be even more upset and angry ... The post Alzheimer’s Shock: Only 45 Percent Of Patients Told By Docs Of Diagnosis appeared first on Now It Counts | NiC Magazine.
  • Ted Cruz 2016: LOL

    Richard Zombeck
    25 Mar 2015 | 8:45 am
    Ted Cruz Is Mocked by His Own Party. The first Republican candidate for the office of president announced on Monday that he is running. Foreign born, Tea Party “whacko bird” Ted Cruz made the announcement to a “captive audience” on Monday and the response has been nothing less than spectacular. Even members of his own party ... The post Ted Cruz 2016: LOL appeared first on Now It Counts | NiC Magazine.
  • The Real March Madness? The Nearly $2 Billion Lost By US Business During Tourney

    Buck Wargo
    25 Mar 2015 | 7:19 am
    March Madness is great time to bond with co-workers—while not actually doing as much work, new study finds. For many American businesses, March Madness is a time of everyone in the office, plant or store comes together no matter their department and age group. No event builds camaraderie like the college hoops tournament, maybe with ... The post The Real March Madness? The Nearly $2 Billion Lost By US Business During Tourney appeared first on Now It Counts | NiC Magazine.
  • Best Pro-Gorgeous Foods for Youthful Skin

    Michael Lazar
    25 Mar 2015 | 7:05 am
    Being proactive about ingesting the best pro-gorgeous foods will serve your skin wonders in keeping it youthful, supple and pristine. As it turns out, Father Time does indeed have a way to turn him back. But rewinding the aging clock will take some work on your part. Lucky for you, we’re here to help with ... The post Best Pro-Gorgeous Foods for Youthful Skin appeared first on Now It Counts | NiC Magazine.
 
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