Retirement

  • Most Topular Stories

  • The Status Quo

    Data "Points"
    19 Jul 2014 | 4:30 am
    While the prospects for “comprehensive tax reform” may seem remote in this highly charged election year, the current tax preferences accorded employee benefits continue to be a focus of much discussion among policymakers and academics.The most recent entry was a report by the Urban Institute which simulated the short- and long-term effect of three policy options for “flattening tax incentives and increasing retirement savings for low- and middle-income workers.”  The report concluded that “reducing 401(k) contribution limits increases taxes for high-income taxpayers; expanding…
  • Your 401(k) Could Be A Rip-Off, But It May Not Matter

    FutureAdvisor Blog
    E.A. Mann
    23 Jul 2014 | 6:01 am
    Have you heard? Your 401(k) could be a bad deal. Evidence is mounting that many  401(k) plans are overcharging their participants. A PBS Frontline special from 2013 lays out the argument particularly well, and a 2011 Deloitte report corroborates. The 2011 report states that the average 401(k) administrative fees charged by employers were .78% in that year. This number may not seem huge, but consider this: low cost index funds from companies like Vanguard regularly sell for around 0.15% in yearly fees, and can sell for as low as 0.05%. This is a premium of between 500% and 1500%! Put more…
  • Top 5 Ways to Keep Cool This Summer shared by Brunswick Plantation Living

    Brunswick Plantation Living
    Kevin Anderson
    21 Jul 2014 | 3:46 pm
    The Construction Group by Caw Caw Land Corp, at Brunswick Plantation and Golf Resort, a coastal Carolina gated community, has been a proud Energy Star partner since 2010 . We want to help people save energy at home, period. If you … Continue reading → The post Top 5 Ways to Keep Cool This Summer shared by Brunswick Plantation Living appeared first on Brunswick Plantation Living.
  • Volunteering: Life on the Africa Mercy

    Retirement And Good Living
    Chuck and Debbie Vogt
    23 Jul 2014 | 10:50 am
    Debbie:   I remember thinking that this was a very strange place for me to be. I was at the Hope Center, where patients recover from surgery done on the Africa Mercy, the world’s largest non-governmental hospital ship. I was helping a man from Guinea, in West Africa, make a friendship bracelet. He didn’t speak English, and I don’t speak Susu.   It wasn’t that long ago that I was working in a hospital laboratory in Rochester, NY, and Chuck was working as a chemical engineer at Eastman Kodak. We retired early to do this work in West Africa as a part of an international…
  • Checking In

    A Satisfying Retirement - Built One Decision At a Time
    Bob Lowry
    19 Jul 2014 | 6:09 pm
    I feel a little like I did as a youngster when I went away to summer camp for part of the summer. Mom and Dad expected me to check in occasionally by post card, reporting on my health and well being, and whether I was enjoying my time away from home.It seems about time to let you know how Betty, Bailey, and I are doing as we make our way across the country. As I write this we are in Ogallala, Nebraska. We have traveled 1,260 miles in the 13 days since we left home. There has been only one problem worth reporting: a malfunction (or my mistake) caused the braking system that helps stop the car…
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    Data "Points"

  • The Status Quo

    19 Jul 2014 | 4:30 am
    While the prospects for “comprehensive tax reform” may seem remote in this highly charged election year, the current tax preferences accorded employee benefits continue to be a focus of much discussion among policymakers and academics.The most recent entry was a report by the Urban Institute which simulated the short- and long-term effect of three policy options for “flattening tax incentives and increasing retirement savings for low- and middle-income workers.”  The report concluded that “reducing 401(k) contribution limits increases taxes for high-income taxpayers; expanding…
  • Map “Quests”

    12 Jul 2014 | 5:00 am
    I’ve been hooked on the convenience of GPS systems ever since the first time one was included in the price of a rental car on a family trip in unfamiliar territory. After all, it combines the opportunity to tinker with electronic gadgetry alongside the convenience of not having to do much in the way of pre-planning trip routes—not to mention avoiding the need to stop and ask for directions (that is frequently associated with not doing much in the way of pre-planning trip routes).There are, of course, horror stories about drivers who have blindly followed GPS instructions without paying…
  • Picture "Window"

    5 Jul 2014 | 6:30 am
    As an individual who spends a lot of his time writing (and reading the writing of others), I’ve always had reservations about the notion that “a picture is worth a thousand words,” though I’ll grant you that an image, a well-crafted graph, or even a flow chart can, in certain instances, more quickly and more effectively convey an idea or concept than words alone.I remember a conversation with a friend of mine a couple of years ago about EBRI’s Lillywhite Award. My friend, who had been something of a mentor to me over the years, was asking me about the award, the selection process,…
  • "Free" Money?

    28 Jun 2014 | 4:30 am
    While I appreciate the convenience of gift cards, giving them always feels a bit lazy. As a recipient, however, I very much appreciate the flexibility and the freedom to buy, within the limits of the card, pretty much anything—sometimes things for which I wouldn’t even have thought to ask much less buy for myself. And, arguably, in at least a couple of cases, things I SHOULDN’T have bought, and probably wouldn’t have bought, if it hadn’t felt like “free” money.That very human inclination to spend our own money more judiciously than what we are given underpins the growing…
  • "Out" Takes

    22 Jun 2014 | 5:07 am
    My first car wasn’t anything special, other than it was my first car. It was an older model Ford, ran reasonably well, with one small problem— it went through oil almost as quickly as it did gasoline. At first I attributed that to being a function of the car’s age, but as the leakage grew, I eventually dealt with it by keeping a couple of quarts of oil in the trunk “just in case.” Eventually, I took the car to a dealership—but by the time they finished estimating the cost of a head gasket repair, let’s just say that, even on my limited budget, I could buy a LOT of oil by the…
 
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    FutureAdvisor Blog

  • Your 401(k) Could Be A Rip-Off, But It May Not Matter

    E.A. Mann
    23 Jul 2014 | 6:01 am
    Have you heard? Your 401(k) could be a bad deal. Evidence is mounting that many  401(k) plans are overcharging their participants. A PBS Frontline special from 2013 lays out the argument particularly well, and a 2011 Deloitte report corroborates. The 2011 report states that the average 401(k) administrative fees charged by employers were .78% in that year. This number may not seem huge, but consider this: low cost index funds from companies like Vanguard regularly sell for around 0.15% in yearly fees, and can sell for as low as 0.05%. This is a premium of between 500% and 1500%! Put more…
  • The Little Known 457 Plans Beat 401(k)s

    E.A. Mann
    22 Jul 2014 | 9:33 am
    Would you like a better version of a 401(k) or 403(b) to invest in for retirement? How about something with the same tax-deferred benefits of those plans, but with more flexible rules that eliminate penalties? Would you like it if were almost guaranteed to have low fees? Or if a government overseer ensured that the plan was administered fairly? If you haven’t already, please nod your head. If you’re a state employee, you most likely have access to the plan I just described. It’s called a 457. Unfortunately, there’s a good chance you’ve never heard of it. My wife, a public school…
  • Boomers, Recessions and the Myths of Retirement

    futureadvisor
    21 Jul 2014 | 6:19 am
    Retirement, like the laundromat and the board game Monopoly, was an invention of the Great Depression. Jobs were scarce, and retirement was a way to free up jobs for younger people with children to support. The Great Recession of 2008 had the opposite effect. America is now in the midst of a “retirement crisis” forcing millions of senior citizens must keep working to support themselves and avoid poverty. While many boomers thought of retirement as decades of leisure after decades of work, they arrive at retirement age only to be disillusioned. Leisure is one myth of retirement,…
  • Weekly Market Commentary

    futureadvisor
    18 Jul 2014 | 8:02 pm
    For the week ending Friday July 18, economic data was weak for June but appeared stronger for July, Fed Chair Janet Yellen summarized the state of the economy in testimony to Congress last Tuesday “We have made good progress, but we have farther to go to regain the ground lost in the crisis and the recession”. This week’s data reinforced that. The overall theme was one of a slightly soft June, but early data for July showed strength. Retail sales for June were slightly worse than expected, partially due to weak sales of motor vehicles. Industrial production for June was also…
  • Bull Markets Are Born On Pessimism

    Chris
    18 Jul 2014 | 9:14 am
    The post Bull Markets Are Born On Pessimism appeared first on FutureAdvisor Blog.
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    Brunswick Plantation Living

  • Top 5 Ways to Keep Cool This Summer shared by Brunswick Plantation Living

    Kevin Anderson
    21 Jul 2014 | 3:46 pm
    The Construction Group by Caw Caw Land Corp, at Brunswick Plantation and Golf Resort, a coastal Carolina gated community, has been a proud Energy Star partner since 2010 . We want to help people save energy at home, period. If you … Continue reading → The post Top 5 Ways to Keep Cool This Summer shared by Brunswick Plantation Living appeared first on Brunswick Plantation Living.
  • Coastal Living News and Events 7.14

    Bev
    15 Jul 2014 | 10:24 am
    Coastal Living in the Carolinas is alive with Fabulous Food  and Fun Things to Do and See ! Brunswick Plantation and Golf Resort in Calabash, NC is three miles from Little River & N. Myrtle Beach SC! It truly is … Continue reading → The post Coastal Living News and Events 7.14 appeared first on Brunswick Plantation Living.
  • Brunswick Plantation News and Events…7.14

    Bev
    15 Jul 2014 | 10:21 am
    Brunswick Plantation Golf Resort is always buzzing with activity for and by the folks who live in this lovely gated golf community! Summer Fun upon us! We know that People to Play Together, Stay Together! Brunswick Plantation celebrated the 4th … Continue reading → The post Brunswick Plantation News and Events…7.14 appeared first on Brunswick Plantation Living.
  • Golf News from the Pro 7.14 by Brunswick Plantation Living

    Kevin Anderson
    15 Jul 2014 | 10:19 am
    Hello to All Members & Property Owners:  Summer time is here and with it is warm to hot days. Follow these Tips to Keep your focus: Research shows that dehydration negatively impacts all of the import attributes critical to the … Continue reading → The post Golf News from the Pro 7.14 by Brunswick Plantation Living appeared first on Brunswick Plantation Living.
  • Health is Organic NOW @ Nature’s Corner

    Bev
    10 Jul 2014 | 7:45 am
    We all know that “Health is Wealth”! We want to be healthy to enjoy the Fun at Brunswick Plantation and Golf Resort! There is a new addition to our healthy choices at Nature’s Corner in the Calabash Plaza. You may … Continue reading → The post Health is Organic NOW @ Nature’s Corner appeared first on Brunswick Plantation Living.
 
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    Retirement And Good Living

  • Volunteering: Life on the Africa Mercy

    Chuck and Debbie Vogt
    23 Jul 2014 | 10:50 am
    Debbie:   I remember thinking that this was a very strange place for me to be. I was at the Hope Center, where patients recover from surgery done on the Africa Mercy, the world’s largest non-governmental hospital ship. I was helping a man from Guinea, in West Africa, make a friendship bracelet. He didn’t speak English, and I don’t speak Susu.   It wasn’t that long ago that I was working in a hospital laboratory in Rochester, NY, and Chuck was working as a chemical engineer at Eastman Kodak. We retired early to do this work in West Africa as a part of an international…
  • Memories: The Civil Air Patrol and Eagle Airport

    Dick Gustafson
    18 Jul 2014 | 5:15 pm
    My rank in the Civil Air Patrol was Lt. Col… My designation was National Liaison Officer to the U.S. Congress. My job was to lobby members of Congress so the members continued to support the CAP, as they had in the past, and possibly to increase that support to provide aircraft for each unit. Our goal was to provide one Cessna 170 for each unit to train future pilots as well as search and rescue personnel. It was a difficult goal then, probably an impossible one in today’s budget deficit economy. I met with many members of the House and Senate, either in person or with their…
  • 10 Suggestions to Avoid Retirement Planning Mistakes

    Dr. Eva Mor
    16 Jul 2014 | 4:01 pm
    Statistics show that women live longer than men, on the average 8-10 years longer and 50 percent of marriages end in divorce. Being prepared to manage finances wisely is essential particularly when it comes to retirement.   Unfortunately many make mistakes when planning for retirement and women tend to be less prepared than men. While many of the issues relate to both men and women, women should be especially aware of the following 10 mistakes (and suggestions on how to avoid or correct them):   Being unfamiliar with finances   Women tend to let their spouses handle family…
  • The Other Cannes

    Nhan Nguyen
    15 Jul 2014 | 2:15 pm
    The sun is out, the sky is clear and in the distance is a breathtaking view of the harbour. There is a group of men playing pétanque under the afternoon sun. The traditional game of French lawn bowls takes place in its own time, the metallic balls clinking after each long and paused thoughtful aim. On the other side of the road, groups of Cannois sit with their espressos in hand and discuss the weather, life, current affairs and of course, a French favourite – politics. Along the pavement, little apartment-sized dogs trail behind their owners on their respective dainty leashes.  …
  • Cross the Generation Gap with Family Stories

    Deborah Wilbrink
    14 Jul 2014 | 11:17 am
    “Thank you,” said the teen. She added excitedly, “I never knew these things about my father.” My high school students didn’t often say thank you, and every compliment is a teacher’s greatest treasure, hoarded up like memorabilia. This one came after students engaged in a family history project. Our creative writing class at Cane Ridge High School in Nashville, Tennessee had embarked on a journey into the past. They spent a week on this, first preparing an interview for a family member from an older generation, then visiting and listening for family stories. Students polished the…
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    A Satisfying Retirement - Built One Decision At a Time

  • Checking In

    Bob Lowry
    19 Jul 2014 | 6:09 pm
    I feel a little like I did as a youngster when I went away to summer camp for part of the summer. Mom and Dad expected me to check in occasionally by post card, reporting on my health and well being, and whether I was enjoying my time away from home.It seems about time to let you know how Betty, Bailey, and I are doing as we make our way across the country. As I write this we are in Ogallala, Nebraska. We have traveled 1,260 miles in the 13 days since we left home. There has been only one problem worth reporting: a malfunction (or my mistake) caused the braking system that helps stop the car…
  • And So It Begins

    Bob Lowry
    8 Jul 2014 | 2:00 am
    The extended RV trip that prompted the summer sabbatical from the blog's regular posting schedule is underway. We are in Flagstaff, a good place just a few hours from home, to finalize the route and first week or so of the trip. Wednesday morning we are on our way to the Zion National Park area.I would be terribly remiss in not thanking all those who left such heartfelt comments after I announced the partial suspension of this blog, with a final decision coming upon our return in September. I knew Satisfying Retirement has a loyal group of readers, but the strength of…
  • An Anniversary and Some Important Changes

    Bob Lowry
    19 Jun 2014 | 2:00 am
    Four years ago this month I began writing Satisfying Retirement. It has been one of the most rewarding periods of my life. I had no idea when I hit the publish button for the first time in June, 2010 what lay ahead.I have been able to write about a subject I have come to know pretty well. I have been able to help others on this amazing journey. I have written two books, both of which continue to sell several copies a month. I have made friends who have enriched my life and will continue to do so. Writing this blog has helped me strengthen my marriage and my faith. It has…
 
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    Early Retirement Extreme

  • Are we qualitatively different?

    Jacob
    23 Jul 2014 | 10:53 pm
    If there is anything this country enjoys, it’s measuring things by numbers and then comparing numbers. We divide people into percentile according to net worth, credit score, GPA, GDP, IQ, etc. with the implicit assumption that it is possible to understand the entire scale simply by multiplying by a number. For instance, someone spending twice as much must live twice as well or someone with twice the IQ must be twice as smart. However, all of these numbers are a function of something that is very complex and nonlinear. Therefore it makes no sense to compare two numbers which are very…
  • Podcast: I got interviewed on radicalpersonalfinance.com

    Jacob
    23 Jul 2014 | 3:41 pm
    This podcast is not really a “standard” interview but rather a very long conversation (warning: it’s over 3 hrs long). Note: This is not an “introduction to ERE”-style interview. Instead it goes into the underlying philosophy behind ERE touching on [perhaps] new ways of understanding and seeing them. Radical Personal Finance #25 (Also check out #3 which is a review of the ERE book) Copyright © 2007-2014 earlyretirementextreme.com This feed is for personal, non-commercial use only. The use of this feed on other websites breaches copyright. If you see this…
  • What retirement means to me

    Jacob
    23 Jul 2014 | 10:53 am
    Following this post, I got this interesting question from “The Executioner” (slightly rephrased) “You still have a full-time job, right? How can you call your blog “Early Retirement Extreme” if you’re still on someone’s payroll as a full-time employee?” Yes, I have a full-time job, a part time job, I write this blog, I’m working on a book, I’m on the board of a non-profit organization full-time job again but in another field. I only live so long and there is so much to do, so I doubt that I will ever be able to sit still viz. “retire”. I…
  • New math

    Jacob
    22 Jul 2014 | 10:49 pm
    Check out the engaging animation from morenewmath via 350. I’m contemplating creating a similar animation for ERE. After all, ERE saves about three times as much CO2 as driving a car that runs 100% on renewable energy resources. Copyright © 2007-2014 earlyretirementextreme.com This feed is for personal, non-commercial use only. The use of this feed on other websites breaches copyright. If you see this notice anywhere else than in your news reader, it makes the page you are viewing an infringement of the copyright. (Digital Fingerprint: 47d7050e5790442c7fa8cab55461e9ce)
  • The happiest people on Earth

    Jacob
    22 Jul 2014 | 10:47 am
    Recently there was a feature on Oprah showing Denmark having the happiest people on Earth. I am a Dane, but in retrospect I was never too happy living there. I now live in the US. Obviously, there are some aspects I prefer about Denmark compared to the US such as its health care system. However, overall, Denmark is not the best place for ambitious individuals with a plan to pull off an early retirement or do what Americans call awesome(*) stuff. I consider the likelihood of me ever returning permanently to be small. (*) Okay, Americans tend to call everything including their breakfast…
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    Retirement: A Full-Time Job

  • How to See Retirement With a Tourists Eyes

    Retired Syd
    20 Jul 2014 | 3:20 pm
    (Photo Details:  Top of the Metropolitan Museum of Art, New York--June 2014) I’m just finishing up a five-week visit to Manhattan on our annual home-exchange vacation.  I get a lot of questions from people about why I like to return to New York year after year.  Why not go somewhere different?  Why go for an entire month?  And why go during the hottest time of year? And I do have answers to all those questions.  But this post is about the value of seeing something that you’ve seen before in a totally different light.  I just calculated that I’ve visited New York City 14 times…
  • Picturing Retirement: Stop and Smell the Cacti

    Retired Syd
    18 Jul 2014 | 6:49 am
    Photo Friday:  Terri has been retired for almost a year now.  She sends wonderful email updates about how much she is enjoying her newfound time.  This photo is from her travels earlier this year to Sedona and to the Grand Canyon.  This cactus only blooms one week each year and she and her husband were there to see it.  Thanks for sharing Terri! Related Posts: Picturing Retirement:  First Morning of Retirement     Picturing Retirement:  Retired Art Teacher with Wanderlust     Picturing Retirement:  Retire in the City or in the Country? Can’t keep track of my non-existent posting…
  • Is it Ok to Be Happily Retired?

    Retired Syd
    15 Jul 2014 | 11:25 am
    (Photo Details:  Pool at Grand Hotel D'Angkor--Siem Reap, Cambodia) If only this one was as easy as turning off the TV. Yesterday I posted about how it seems like we’re not allowed to be happy about good news yet.  Yes, maybe it’s that bad news sells.  But I also think it’s because we feel guilty about feeling happy when there are still so many people whose circumstances are not as good. I think that’s why I get so many emails from readers who feel like they have to downplay their happiness about being retired.  Since many of these folks have retired before their friends or family…
  • Are We Allowed to Be Happy Yet?

    Retired Syd
    14 Jul 2014 | 11:11 am
    (Photo Credit:  Statue of Liberty June 2014) I’ve pretty much given up watching the “news” on the cable networks.  I have struggled with what I consider to be an unhealthy addiction to these newsertainment shows for many years.  I would start by surfing between Chris Matthews, Greta Van Susteren, and Erin Burnett, then move on to Chris Hayes, Bill O’Reilly, and Anderson Cooper.  Later I’d jump between Rachel Maddow and Megan Kelly and if I was still up for a little more torture, I’d catch a little Sean Hannity.  I knew it was bad for me, but I couldn’t stop. A few months…
  • What's Your Rate of Return?

    Retired Syd
    13 Jul 2014 | 12:02 pm
    (Photo:  S&P 500 Index 1950 to present) According to this article in the New York Times, fear of the stock market has driven investors away from stocks toward cash over the last couple of years.  Globally, the percentage of individual investors’ assets held in cash has gone from 31 percent two years ago to 40 percent now.  At the same time, the stock market keeps hitting fresh records and has notched another 45 percent in gains. While I don’t hold 40 percent in pure cash, I also shifted my portfolio away from stocks, from 30 percent fixed income to 40 percent over the last couple…
 
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    Oblivious Investor

  • Which Year’s Income Determines Affordable Care Act (“Obamacare”) Subsidy Eligibility?

    Mike
    21 Jul 2014 | 5:00 am
    A reader writes in, asking: “I’m trying to find more info on ACA premium subsidies. Specifically, I want to understand which year’s MAGI [modified adjusted gross income] is used. For example, would a person’s health insurance premiums for 2015 be determined based upon his 2014 MAGI or 2013 MAGI, etc.?” The premium tax credit (i.e., the subsidy that reduces premiums) works like any other credit in that it is your income in a given year that determines the size (if any) of the credit for which you are ultimately eligible in that year. For example, your 2014…
  • Investing Blog Roundup: Index Fund Securities Lending

    Mike
    18 Jul 2014 | 5:00 am
    One question readers ask from time to time is how many Vanguard index funds manage to trail their index by an amount less than the fund’s expense ratio. To some extent, the answer is pure randomness. An index fund doesn’t typically hold every security in the index, in exactly the designated proportion, at every moment in time. Another part of the answer, however, is that the funds earn some money from securities lending. Barry Barnitz has more on that topic on the Bogleheads Blog this week: Vanguard Index Fund Security Lending from Barry Barnitz Investing Articles To Tilt or Not…
  • What is a Qualifying Longevity Annuity Contract (QLAC)?

    Mike
    14 Jul 2014 | 4:00 am
    I’ve been getting a lot of questions about the Treasury Department’s recent release of final regulations that create a new type of annuity in the tax law: “Qualifying Longevity Annuity Contracts” (QLACs). To explain, we first need to back up a step. This isn’t really a new type of annuity. This is simply a new tax treatment for types of annuities that already exist (specifically, certain types of deferred annuities) when they are purchased inside tax-deferred IRAs or tax-deferred employer-sponsored retirement plans. Deferred Lifetime Annuities in General A…
  • Investing Blog Roundup: Investment-Induced Panic

    Mike
    11 Jul 2014 | 5:00 am
    This week, I especially enjoyed a MarketWatch article from Mitchell Tuchman pointing out a number of errors investors often make. This little gem stood out to me in particular: “Your long-term investments shouldn’t be allocated in a way that pressures you to review them constantly. That’s not investing. It’s a slow-motion form of panic.” 5 High-Risk Behaviors Harmful to Your Retirement from Mitchell Tuchman Investing Articles 2 Different Views on the 4% Rule from Wade Pfau A Tool Muni Investors Sorely Needed from Allan Roth Why Bad News Can Cause Stock Prices to…
  • Roth vs Tax-Deferred: Should I Look At Marginal or Effective Tax Rate?

    Mike
    7 Jul 2014 | 5:00 am
    A reader writes in, asking: “When choosing between a Roth 401k and regular 401k, people always talk about marginal tax rate. Does effective tax rate play into the decision as well? I expect to have a very low effective tax rate in retirement due to a lower income level and the tax advantaged nature of Social Security. Is that a point in favor of using a regular 401k rather than Roth?” For those who are unfamiliar with the terms: Your “effective tax rate” is the average tax rate on all of your dollars of income within a given year (i.e., total tax, divided by total…
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    Getting Your Financial Ducks In A Row

  • Annuity in an IRA? Maybe, now

    Jim Blankenship
    23 Jul 2014 | 5:18 am
    Photo courtesy of Martin Staněk on unsplash.com. Forever and a day, the rule of thumb has been that you should not use IRA funds to purchase an annuity – primarily because traditional annuities had the primary feature of tax deferral. Since an IRA is already tax-deferred, it’s duplication of effort plus a not insignificant additional cost to include an annuity in an IRA.  This hasn’t stopped enthusiastic sales approaches by annuity companies – plus new features may make it a more realistic approach. Changes in the annuity landscape have made some inroads against this rule of thumb…
  • Resurrecting the Qualified Charitable Distribution?

    Jim Blankenship
    21 Jul 2014 | 5:06 am
    Photo courtesy of Rayi Christian W on unsplash.com. This past week the US House of Representatives passed a bill (HR 4719, known as the America Gives More Act) which would re-instate the Qualified Charitable Distribution from IRAs and make the provision permanent.  This provision expired at the end of 2013, as it has multiple times in the past, only to be re-instated temporarily time and again. A Qualified Charitable Distribution (QCD) is when a person who is at least age 70½ years of age and subject to Required Minimum Distributions from an IRA is allowed to make a distribution from the…
  • A Consequence of the Affordable Care Act

    sraskie
    18 Jul 2014 | 5:00 am
    Barack Obama signing the Patient Protection and Affordable Care Act at the White House (Photo credit: Wikipedia) As much as I wanted to put the word unintended before consequence in my title, I had a hard time believing that what I’m about to write about was unintended. As many of you are aware, the Affordable Care Act a.k.a. “Obamacare” is the law passed that requires, among other things, that everyone carry health insurance, subject to some specific exclusions. What I want to talk about is how this affected my insurance specifically and likely affected the insurance of many others.
  • How to Compute Your Monthly Social Security Benefit

    Jim Blankenship
    16 Jul 2014 | 5:15 am
    Photo courtesy of Jake Hills on unsplash.com. So you’ve seen your statement from Social Security, showing what your benefit might be at various stages in your life.  But not everyone files for benefits at exactly age 62 or 66 – quite often there are months or years that pass before you actually file.  This article will show you how to compute your monthly Social Security benefit, no matter when you file. Computing your monthly Social Security benefit First of all, in order to compute your monthly Social Security benefit, you need to know two things: your Primary Insurance Amount (PIA)…
  • The Dog Ate My Tax Receipts Bill

    Jim Blankenship
    14 Jul 2014 | 5:55 am
    Now here’s some legislation that I could get behind! Recently, House Representative Steve Stockman (R-TX) introduced a bill in response to the IRS’ lame excuse of a “computer glitch” that purportedly erased all of the incriminating evidence from the agency’s computers.  This was part of the testimony offered by former IRS Exempt Organizations Division director Lois Lerner in response to the accusation that her division targeted organizations critical of the current administration. Stockman’s bill provides that if the IRS can use lame, flimsy excuses to avoid prosecution,…
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    Personalincome.org

  • How to Invest in Real Estate Without Risking Future Cash Flow

    Carrie Smith
    23 Jul 2014 | 12:10 pm
    Real estate is often an enticing investment option for individuals who want to diversify their investment portfolio, and make a relatively quick or large profit. So how can you invest in real estate without risking your wealth in the future? Although investing in real estate is inherently risky, since you don’t have direct control over the market, there are a number of ways to protect yourself from going into debt or putting your future cash flow at risk. Below are four major guidelines to follow to become a successful investor. 1. Start With a Small Project Perhaps the most important…
  • Pension Plan – Beginners Retirement Guide

    Kevin Mulligan
    21 Jul 2014 | 10:38 am
    What is a Pension Plan? Today we’re taking you back to the old school. To a land of gold watches and working 30 years at the same firm. A time where a man’s word meant something. A time of pension plans. A pension plan is a tax-exempt retirement plan that is typically funded by the employer. Some plans do allow for employees to contribute funds as well. The contributed funds are pooled together and invested for the employee’s benefit. Having a pension might mean your take-home pay is a little lower than it would be otherwise thanks to your employer contributing to a pension on your…
  • Midwest Bullion Exchange Review

    Donny Gamble
    20 Jul 2014 | 4:10 pm
    Midwest Bullion Exchange Analysis and Recommendation: In today’s chaotic market, reasonable and healthy investments can only be guaranteed by self-motivated diligence. One cannot simply visit a site and instantly trust any company based on how attractive their color schemes are. In the Precious Metals IRA industry, the Midwest Bullion Exchange is one company that deals and offers brokering services to their customers. Starting in 2010, this company has been providing products and services in the Precious Metals industry to allow their investors a safer alternative than banknotes. They have…
  • Gold Trust Financial Review

    Donny Gamble
    19 Jul 2014 | 3:50 pm
    Gold Trust Financial Analysis and Recommendation: Gold Trust Financial is based in Santa Monica, California. The company started in December 1991. It is considered as one of the country’s most experienced gold investment company. The company offers a wide range of precious metals, including gold and silver bullions for various investments, including IRA accounts. It also offers education and information as to the benefits of having precious metals investments, with the goal to educate the public. It also has superior customer service, as well as dedicated account executives to maintain the…
  • Tradespoon Review – Taking the Guess Work Out of Options Trading

    Kevin Mercadante
    17 Jul 2014 | 9:39 am
    Tradespoon is an online subscription service that offers daily trading recommendations based on the use of a statistical system that maximizes returns for stock picks. They also provide buy and sell recommendations, training webinars, and a virtual trading platform that allows you to learn the ropes of trading risk-free. The company’s motto is: Daily Stock & Options Picks Generated Using Tools ONLY Available to Institutional Investors… Until NOW! What is Tradespoon? Tradespoon uses a stock picking system that monitors at least 1,000 US stocks using both technical and fundamental…
 
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  • Weekly Market Commentary July 21, 2014

    Gardner Sherrill
    21 Jul 2014 | 7:42 am
    The Markets Events of the last week could have been plot elements in a Tom Clancy novel. Tragically, they were real and ratcheted geopolitical tensions higher around the globe. Read more
  • The Value of Higher Education

    Gardner Sherrill
    18 Jul 2014 | 8:12 am
    ​What is the value of higher education? does it justify the cost? It appears the value of education is in the eye of the beholder. Aristotle thought education was about learning to think. He said, “It is the mark of an educated mind to entertain a thought without accepting it.” Nelson Mandela, who helped leadRead more
  • Mid-Year Outlook 2014 – At a Glance

    Gardner Sherrill
    18 Jul 2014 | 7:53 am
    At this year’s halfway point, we are pleased to offer the LPL Financial Research 2014 Mid-Year Outlook: Investor’s Almanac Field Notes containing key observations and updates to our outlook for 2014.  For a free copy sign up for my newsletter and I'll have it sent over.
  • Weekly Market Commentary July 14, 2014

    Gardner Sherrill
    14 Jul 2014 | 3:43 pm
    The Markets Germany may have clobbered Brazil in the World Cup quarterfinals last week, earning a chance to become the first European team to win the event in Latin America, but things back home in Europe weren’t quite so rosy. Read more
  • 2nd Quarter Review 2014

    Gardner Sherrill
    13 Jul 2014 | 5:51 pm
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