Retirement

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  • 5 Ways to Improve Your Retirement Prospects in 2015

    U.S. News - Planning to Retire
    Emily Brandon
    19 Dec 2014 | 10:56 am
    These smart financial moves will boost your retirement finances.
  • Stocks Swayed by the Super Bowl?

    Data "Points"
    30 Jan 2015 | 6:09 am
    Will your portfolio soar with the Seahawks, or get pummeled by the Patriots?That’s what adherents of the so-called Super Bowl Theory would likely predict. The Super Bowl Theory holds that when a team from the old National Football League wins the Super Bowl, the S&P 500 will rise, whereas when a team from the old American Football League prevails, stock prices will fall. It’s a “theory” that has been found to be correct nearly 80% of the time; for 38 of the 48 Super Bowls, in fact.It certainly “worked” in 2014, when these same Seattle Seahawks bumped the Broncos, a legacy AFL…
  • I Was a Wealth Manager, and I Cashed Out During the Crash

    FutureAdvisor Blog
    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…
  • Babs and Flash…The Art of Laughing and Loving Life Together

    Brunswick Plantation Living
    Bev
    29 Jan 2015 | 3:30 pm
    Brunswick Plantation and Golf Resort ® is a beautiful, gated community in coastal North Carolina.  It is especially known for the the friendliness of the folks who live here! People who choose to live at Brunswick Plantation also offer a … Continue reading → The post Babs and Flash…The Art of Laughing and Loving Life Together appeared first on Brunswick Plantation Living.
  • Joining the Peace Corps at 71

    Retirement And Good Living
    Bonita Osborn
    30 Jan 2015 | 2:39 am
    It was the early ‘60s and I was deciding which format to choose for my wedding invitations when I heard President Kennedy announce the formation of a new international volunteer organization—the Peace Corps. I stopped what I was doing and gave my full attention to the TV and thought, “WOW, would I love to do ...more
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    Data "Points"

  • Stocks Swayed by the Super Bowl?

    30 Jan 2015 | 6:09 am
    Will your portfolio soar with the Seahawks, or get pummeled by the Patriots?That’s what adherents of the so-called Super Bowl Theory would likely predict. The Super Bowl Theory holds that when a team from the old National Football League wins the Super Bowl, the S&P 500 will rise, whereas when a team from the old American Football League prevails, stock prices will fall. It’s a “theory” that has been found to be correct nearly 80% of the time; for 38 of the 48 Super Bowls, in fact.It certainly “worked” in 2014, when these same Seattle Seahawks bumped the Broncos, a legacy AFL…
  • Third Time a Charm for Fiduciary Reproposal?

    24 Jan 2015 | 6:32 am
    So, advisors, how does it feel to be compared to a termite?That’s right, a powerful coalition of retirement, union, and so-called consumer protection groups has launched a new attack on retirement plan advisors.They’re doing so ahead of the president’s State of the Union address, and doing so now because he is expected to throw his support behind the Department of Labor’s fiduciary rule (re)proposal. Yes, that one.Not that they yet know what they are supporting. In a new website launched to help promote their position, even they say “If the Department gets the rule right…”,…
  • 6 Things 401(k) Participants Need to Know

    17 Jan 2015 | 11:29 am
    Our industry spends a lot of time and money educating workers about the advantages and mechanics of saving for retirement. But here are six things I think too often go unsaid.Your 401(k) isn’t free.That’s right, it isn’t free. It may be heavily subsidized by your employer, and you’re likely paying a lot less for the fund(s) and features you have access to than if you were to try and buy them on your own (say, via an IRA or brokerage account) — but even then, it’s probably not “free,” nor should you expect it to be. But if you don’t know how much you are paying, you should…
  • 5 Things Plan Sponsors Should Know

    10 Jan 2015 | 11:40 am
    Whether or not you’re in the habit of making New Year’s resolutions, this is a time of year when reassessments seem appropriate, and perhaps in no area as much as that of retirement plan administration. Many find themselves in the role of plan sponsor (or plan committee) with no background, limited training, and far more responsibility than they may appreciate at the outset.For those of you who find yourself starting the year with new plan sponsor clients, or new members of the plan committee, or perhaps even incumbents who could benefit from some New Year’s resolutions, here’s five…
  • Did YOUR 401(k) Increase by $50,000 This Year?

    3 Jan 2015 | 5:00 am
    The winner of the year’s most ridiculous 401(k) headline may well be one that ran just last week.The post was titled, “Did Your 401(k) Balance Increase $50,000 This Year? If Not, You May Be Falling Behind.”Or, as I am inclined to think when I see such nonsense, “you may not.”The article was mostly a simple recycling of information just released by BrightScope on their determination of the “Top 30 401(k) Plans of 2014.”  In looking at those 30 plans, BrightScope chose several data points to highlight — including the point that, among those 30 plans, the average account…
 
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    FutureAdvisor Blog

  • 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…
  • Market Commentary

    Simon Moore
    5 Dec 2014 | 5:32 pm
    US job growth showed continued strength for the week ending December 5th. In fact, job growth for November 2014 in the US was the highest for several years. As such, we believe the US economy remains robust and the S&P 500 hit further new highs as a result. In contrast, on the other side of the Atlantic, Mario Draghi of the European Central Bank does not plan to provide additional economic stimulus before 2015. This disappointed markets given European inflation (the rate at which prices rise) is running well below the Bank’s 2% target. So, as the US exceeds expectations economically…
  • NFL Players Must “Go Long” On Retirement

    futureadvisor
    4 Dec 2014 | 10:03 pm
    Sports Illustrated estimates that almost 80% of NFL Players are broke three years into retirement. How can such high-paying careers possibly end in bankruptcy? The NFL pays players the worst, on average, among professional sports organizations. Your typical NBA player makes a cool $5 million per year; your average NFL player makes $1.9 million — less than half. And the highest earners skew the average for both leagues, so the averages don’t represent most players. The median salary for an NFL player is $770,000. That sounds like a lot, but that salary is only earned over a few…
  • I’m Not Worried About Money, and That Worries Me

    E.A. Mann
    25 Nov 2014 | 3:00 am
    During dinner last week my wife said: “You know, I’m due in a month.” I wondered what she was getting at… “We haven’t even started her room yet,” she said. This was true. For our first daughter’s room, we spent hours planning and days renovating. Electricians were called. Baseboard was painted. Somehow we got the idea into our heads that some well-placed stuffed animals, fresh paint and recessed lighting would ward off the stress of having a baby. We now know how foolish that was, and this time we have no plan. I guess you could say we’re more relaxed. For parents of a…
  • Is It Possible To Spend No Money?

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

  • Babs and Flash…The Art of Laughing and Loving Life Together

    Bev
    29 Jan 2015 | 3:30 pm
    Brunswick Plantation and Golf Resort ® is a beautiful, gated community in coastal North Carolina.  It is especially known for the the friendliness of the folks who live here! People who choose to live at Brunswick Plantation also offer a … Continue reading → The post Babs and Flash…The Art of Laughing and Loving Life Together appeared first on Brunswick Plantation Living.
  • Super Bowl XLIX…NFL Duel in the Desert!

    Bev
    22 Jan 2015 | 3:00 pm
    Super Bowl XLIX promises to be an exciting “Duel in the Desert” for football fans everywhere! The defending Seattle Seahawks represent the NFC in going against the AFC champion New England Patriots…At the University of Phoenix Stadium in Glendale, Arizona … Continue reading → The post Super Bowl XLIX…NFL Duel in the Desert! appeared first on Brunswick Plantation Living.
  • Golf News from the Pro 1.15 by Brunswick Plantation Living

    Kevin Anderson
    15 Jan 2015 | 2:16 pm
    Hello to All: Happy New Year everyone! 2015 is here and Mother Nature has been throwing us some curve balls so far. However, our mild winters still average 55 daytime high in January. The Pro-Shop Staff would like to welcome … Continue reading → The post Golf News from the Pro 1.15 by Brunswick Plantation Living appeared first on Brunswick Plantation Living.
  • Coastal Living News And Events…1.15

    Bev
    15 Jan 2015 | 4:56 am
    The New Year is here and 2015 promises more Fun in the Sun in Coastal Carolina! Brunswick Plantation and Golf Resort ® has the perfect location for events and activities in North and South Carolina! We have a few ideas … Continue reading → The post Coastal Living News And Events…1.15 appeared first on Brunswick Plantation Living.
  • Brunswick Plantation News and Events 1.15

    Bev
    15 Jan 2015 | 4:48 am
    The New Year at Brunswick Plantation and Golf Resort ® is off to a Great Start with Fun for All! There are clubs, games, movies, fitness activities, entertainment, and special events for friends and neighbors to enjoy together. These are … Continue reading → The post Brunswick Plantation News and Events 1.15 appeared first on Brunswick Plantation Living.
 
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    Retirement And Good Living

  • Joining the Peace Corps at 71

    Bonita Osborn
    30 Jan 2015 | 2:39 am
    It was the early ‘60s and I was deciding which format to choose for my wedding invitations when I heard President Kennedy announce the formation of a new international volunteer organization—the Peace Corps. I stopped what I was doing and gave my full attention to the TV and thought, “WOW, would I love to do ...more
  • Far Eastern Journal – Part One

    Gordon Kinghorn
    12 Jan 2015 | 7:37 am
    “It’s Not the Wound that Teaches – But the Healing.” – Marty Rubin   Funny old thing this game of life, one moment I was ready, prepared and willing to embrace an exciting new phase of one’s sexagenarian existence, ergo; ‘The retirement years’, then my well meaning family practitioner, (let’s refer to him as ‘Doc ...more
  • Is This Unique Retirement Living Solution Right for You?

    Brad Breeding
    9 Jan 2015 | 4:13 am
    Continuing Care Retirement Communities, or CCRCs, can be a wonderful solution for older adults who are independent and active today, but who seek the peace of mind that comes with living in a community that is equipped to provide assisted living or healthcare services if and when needed. Ideally, choosing the right community means you ...more
  • Marking Time: The End of an Era

    Len Schritter
    3 Jan 2015 | 8:02 am
    There are watershed moments in your life when you realize that time is moving way too fast. One of those moments came to me on a sunny December morning as I sat on a north bound plane and watched the city of Phoenix fall away from me. I was going home. Going home to close ...more
  • Christmas in Japan

    Rey Waters
    29 Dec 2014 | 3:49 am
    No Japan is not a Christian country, however, you would not know that during the holiday season. Everywhere you go there is wonderful Christmas music playing in the stores, and colorful decorations everywhere.   Only 1 percent of the population is Christian. Way back in the 1500’s there was a large Christian population in Nagasaki ...more
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    A Satisfying Retirement - Is a Lifestyle You Choose

  • Sharks and Retirement

    Bob Lowry
    27 Jan 2015 | 1:00 am
    Most of us have been taught that a shark must remain in constant motion or it will drown. Because of its gill structure a continuous flow of water is required to absorb enough oxygen. More recent studies have shown this belief to be only partly correct. While there are some sharks that must move all the time, several other species spend much of their time lying on the bottom of the ocean, quite content and very much alive. The difference is in their muscle structure and ability to force water through the gills as needed.Originally, I was thinking of the first type of shark…
  • Life Lessons From 2,000 Years Ago

    Bob Lowry
    24 Jan 2015 | 1:00 am
    "Don't think you are better than you really are. Be honest in your evaluation of yourselves.If your gift is serving others, serve them well. If you are a teacher, teach well. If your gift is to encourage others, be encouraging. If it is giving, give generously. If you have a gift for showing kindness to others, do it gladly.Don't just pretend to love others. Really love them. Hate what is wrong. Hold tightly to what is good. Love each other with genuine affection, and take delight in honoring each other.Bless those who persecute you. Live in harmony with each other. Don't be too proud to…
  • Comtemplating Lifestyle Changes: Part Two

    Bob Lowry
    20 Jan 2015 | 1:00 am
    In Part One of this post I detailed the thought process for a move and its place in my plan for a needed lifestyle change. With my word for 2015 being Move, it seemed a logical place to start.But, a physical relocation or reworking of our current house is only part of what I am feeling is required. What follows are some additional steps that have come to mind.A critical decision Betty and I have discussed will be how we begin to live a life truer to our faith. I have written before about the importance of religious faith to us. We have come to the conclusion that we are…
 
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    Early Retirement Extreme

  • Being frugal as an end in itself

    Jacob
    31 Jan 2015 | 3:45 am
    I am what you could call extremely frugal, but my reasons for being so are not strictly monetary. In fact my investment income alone exceeds my spending by almost 50%100% and yet I see no reason to become less frugal and increase my spending. My long term goal is to reduce my spending even further. My primary reason for being frugal is part ethical and part about resilience and preparation. The ethical part is somewhat summarized by Buddhist economics, where the main principle is to minimize suffering. Thus, I will, for example, spend a lot of effort finding a way to get rid of things I no…
  • Sympathetic magic and the church of positive thinking

    Jacob
    30 Jan 2015 | 3:41 pm
    Magical thinking is the cognitive mistake of confusing correlation with causation. It is a very common mistake and is due to a lack of critical thinking. A person is particular prone to this mistake if he is incapable of thinking “statistically”. To think statistically one must be able to reason alternative scenarios leading to alternative explanations. For instance, imagine that we have a digital clock. Now, thinking statistically, we realize that if we look at this clock, the first two digits can show 12 or 24 different values. The last two can show 60 different values. If,…
  • Rant on society’s expectations …

    Jacob
    30 Jan 2015 | 3:38 am
    If I may … It seems that certain people take issue when certain other people decide to opt out of the “popular choice”, here, a lifetime spent working for the sake of accumulating stuff, in other words, a typical career. One of the most common complaints can be traced to the first half of the Marxist refrain: “From each according to his ability … “. Wow! Just wow! I really thought we had moved past collectivism. Yet, indeed, certain people would have you believe that if you are talented or have an education, then you are obliged to use it and keep on doing…
  • Can I retire with 2 million dollars?

    Jacob
    29 Jan 2015 | 3:36 pm
    This, and various perturbations, is one of the most frequent Google search terms that hit this site. I think my very general answer would be that if you have to ask that question, then the answer is, “PROBABLY NOT!” If you ask whether you can retire with $10 million, the answer is still no. The problem is essentially scale-less. Asking the question implies that one has accumulated X dollars without any thought towards expenses and jobless income. I posit that if those things are considered, the answer would be obvious and the question would not have to be asked. However, until one figures…
  • Angry people, insults, frugal lifestyles, and the poor

    Jacob
    29 Jan 2015 | 3:34 am
    Disclaimer: Regular readers know that I’m no stickler for political correctness. I won’t say “he or she” or use other literary tongue-twister to point out what should be obvious. I won’t say “challenged” instead of “lacking”. I won’t say “developing” instead of “undeveloped”. I won’t point out obvious things like nearly every rule has exceptions. My purpose is clarity of communication, not Orwellian conformity. I’ve been in some rather big discussions about P.C. From my perspective refusing to say…
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    Retirement: A Full-Time Job

  • 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…
  • Making Resolutions that Stick

    Retired Syd
    11 Jan 2015 | 4:34 pm
    Happy New Year! I’m at a bustling coffee shop today.  It looks like one of my New Year’s resolutions is going to run me about 10 bucks a week.  That is if I find a different coffee shop with free parking.  This one has great coffee and great energy, but it costs another dollar an hour to park here, so maybe this one is not going to work.  It probably shouldn't have to cost so much to accomplish my new year’s resolution. I have two resolutions actually.  Let me start with the other one first.  It’s worth noting, by the way, that despite the fact that most people don’t keep…
  • Retiring Santa

    Retired Syd
    24 Dec 2014 | 9:15 am
    A few years ago, I wrote a post about the marshmallow test.  For those of you that have never heard of the marshmallow test, it was an experiment conducted at Stanford University.  Four-year-olds were given a marshmallow and told that they could eat it right away if they wanted.  However, if they waited until the researcher came back into the room, they could have that marshmallow and another one too.  Some kids covered their eyes, some sat on their hands, others distracted themselves from the marshmallow’s lure by singing or talking to themselves, thereby earning the bonus marshmallow.
  • The Retirement Crisis

    Retired Syd
    21 Dec 2014 | 11:28 am
    (Photo Details:  Doug and Syd dressed for a 70's disco party.  Revisiting the era before the invention of the 401(k) plan.) I have read a lot of agonizing over the years about our nation’s retirement crisis.  Much of the blame is attributed to our move from mostly employer-funded defined benefit plans (pensions) to our newer, mostly self-funded 401(k) retirement system.  The burden for saving for retirement has definitely shifted to the employee since the 401(k) provisions were introduced in the late 70’s.  According to this article, back in 1979, 62% of private sector employees with…
  • Radical Retirement

    Retired Syd
    20 Dec 2014 | 10:41 am
    This guest post is written by David Downie, who was once an early retirement skeptic, but ultimately found himself retiring at the age of 38. The following is an extract from his short ebook “Radical Immediate Retirement” (available from Amazon at http://www.amazon.com/dp/B00NP4U986), which he intends to be an easy to read book designed to motivate people to look harder at their options.   Taking stock and making the hard decisions The mass of men lead lives of quiet desperation. Henry Thoreau, 1854 It is difficult to free fools from the chains they revere. Voltaire, 1694-1778 Before you…
 
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    Oblivious Investor

  • Investing Blog Roundup: Missing Out on Subsidized Insurance

    Mike
    30 Jan 2015 | 5:00 am
    This week, the Kaiser Family Foundation released the results of a survey showing that, of the approximately 30 million adults in the U.S. who remain without health insurance, 48% would qualify for assistance purchasing such insurance (either tax credits or Medicaid). If you (or somebody you care about) doesn’t have health insurance, it’s worth taking the time to learn how such subsidies work, so that you don’t miss out. You can read more about the survey and its other findings here: Half of Adults Who Are Still Without Health Insurance Are Eligible for Medicaid or…
  • Moving Beyond Sound-Bite Investing Wisdom

    Mike
    26 Jan 2015 | 5:00 am
    The following questions — and others of a similar nature — are some of the most common in my email inbox: Does buying an S&P 500 fund count as stock picking, given that there’s a committee of people choosing which stocks are included in the index? Does overweighting U.S. stocks (or value stocks, or REITs, or whatever) count as active investing? Does rebalancing count as market timing? Does basing my spending rate in retirement on market valuations (and/or interest rates) count as market timing? Does Social Security count as a bond? Typically, the person is asking the…
  • Investing Blog Roundup: Taking Winnings Off the Table

    Mike
    23 Jan 2015 | 5:00 am
    There’s no reliable way to know when the next market downturn is coming. For those of us who are still many years from retirement, that shouldn’t be a scary thought, given that a market downturn simply allows us to buy shares at lower prices. But, as Bill Bernstein reminds us this week, a market downturn can be a big problem if you’ve just retired, if your portfolio isn’t prepared for such an event. Taking Some Winnings Off the Table—Before It’s Too Late from William Bernstein Investing Articles Index Annuities Do Not Provide Stock-Like Returns from Jim Dahle…
  • 3 Common Social Security Misunderstandings

    Mike
    19 Jan 2015 | 5:00 am
    The following three statements about Social Security are common, but incorrect. (Or rather, each is partially correct, but the part that’s incorrect is super important.) Can you spot the errors? If you are married, it’s a good idea to delay taking Social Security. If you have a shorter than average life expectancy, you should claim early. (Or conversely, if you have a longer than average life expectancy, you should wait to claim.) Social Security is actuarially neutral (meaning that claiming at one age is as good as another, given that you’re likely to get the same overall…
  • Investing Blog Roundup: Automatic IRA Contributions for Many in Illinois

    Mike
    16 Jan 2015 | 5:00 am
    The state of Illinois recently passed a law that is intended to increase the rate at which people are saving for retirement. When the law eventually goes into effect, businesses that have 25 or more employees and that do not offer an employer-sponsored retirement plan will be required to set up a program in which employees will have 3% of their pay automatically contributed to a Roth IRA. (Employees will have the ability to opt out or change the contribution percentage.) It will be interesting to see what happens. Jim Blankenship and Dan Kadlec discuss the new law: Illinois’…
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    Getting Your Financial Ducks In A Row

  • Forget to Take Your RMD?

    jim@blankenshipfinancial.com (Jim Blankenship)
    30 Jan 2015 | 5:00 am
    In case you forgot to take your required minimum distribution (RMD) for 2014 there’s still hope in order to avoid the 50% (yes, that’s FIFTY percent) penalty of the amount not withdrawn. If you missed taking the RMD for 2014 here’s what you can do. According to the IRS the penalty may be waived if you can establish that it was due to reasonable error that you didn’t take the RMD and that reasonable steps are being taken to remedy the error. That is, take the 2014 RMD right away (or as soon as you can let your custodian know) and it might not be a bad idea to take the RMD for 2015 as…
  • Exploring free tax filing

    jim@blankenshipfinancial.com (Jim Blankenship)
    28 Jan 2015 | 5:37 am
    Tax filing season is upon us! As you consider all of your options for filing your return this year, you might consider some of the exploring free tax filing for your return. Recently the IRS published their IRS Tax Tip 2015-06, which details information about two of the options for free tax filing that you might be able to take advantage of. The actual text of the Tip is below:   Ten IRS Tips about Free Tax Preparation Each year, millions of people have their taxes prepared for free. The IRS’s Volunteer Income Tax Assistance or and Tax Counseling for the Elderly programs have helped people…
  • Are YOU ready for retirement?

    jim@blankenshipfinancial.com (Jim Blankenship)
    26 Jan 2015 | 5:32 am
    Photo courtesy of David Marcu on unsplash.com In this time of disappearing pensions, corporate downsizing, and high unemployment it becomes a great concern that many folks are still not saving enough for retirement. This may be due to a failure to realistically assess future costs or because we’re spending too much without saving – which is a hallmark of the baby-boom generation. Granted, there are plenty of good reasons why spending is out of control – with healthcare costs increasing all the time, for example. But I suspect that much more of the blame for our low savings balances is…
  • How to Save More Without Making More

    jim@blankenshipfinancial.com (Jim Blankenship)
    23 Jan 2015 | 5:00 am
    Here’s a pretty neat strategy that you can try if you’re looking to save a bit more for retirement, college or even paying down debt. It works like this: Whenever we’re out shopping or online shopping there’s always the temptation to purchase things we really don’t need. For example, I was at the store the other day and tried on a few pairs of jeans. Did I really need them? No. Did I want them? Of course. You may have seen yourself in a similar situation – wanting something but knowing you most likely didn’t really need it. Here’s the fun part. Since you were planning on…
  • Uncoupling File & Suspend

    jim@blankenshipfinancial.com (Jim Blankenship)
    19 Jan 2015 | 5:36 am
    By now you should be somewhat familiar with the File & Suspend strategy, where an individual files for Social Security benefits and then immediately suspends them. This strategy is often used so that the individual can enable other dependents’ benefits (such as spousal or children) based upon his or her record, while delaying receipt of his or her own benefits in order to accrue delay credits on his benefit. What you may not realize is that you don’t have to file & suspend at the same time. These actions can be decoupled – in other words, you could file for benefits at any time…
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    Personalincome.org

  • Born in the Recession, Bitcoin is Ready to Spark a Global Boom

    David Seaman
    29 Jan 2015 | 11:55 pm
    Bitcoin was born at the height of the recession. An act of brilliance, desperation, and transcendence, Bitcoin will without a doubt enter the history books as fairly serious stuff. A Magna Carta for all currencies to come. What is a recession, really? I see it as an act of collective powerlessness; people helpless to stop the machinations of bureaucrats and central bankers who decide it’s time to destroy everyone’s wealth (except for theirs, of course) for “the health of the market” or to “provide stimulus” to the asymmetrical, broken power structures that…
  • The Pros & Cons of Online Banking Accounts

    Chris Bibey
    28 Jan 2015 | 8:23 am
    The online banking industry has grown by leaps and bounds over the past decade. There used to be a time when using the internet for anything financial related was looked down upon. In today’s world, this is no longer the case. There are two words that best describe the online banking experience: fast and convenient. This is what people expect, and this is what most online financial institutions offer. Are you on the fence? Have you fought against online banking in the past, but feel this could help you in the future? Here are some of the many benefits to consider: Convenient. Let’s face…
  • 10 Tax Changes You Should Be Aware of in 2015

    Kassandra Dasent
    26 Jan 2015 | 6:46 am
    Living a financially prosperous life is partly a result of managing your expenses in relation to your income while spending on things you enjoy that add value to your life.  Another important aspect of a sound financial plan is saving a portion of your income for short, mid and long term savings, and investments which includes retirement. What I believe to be another significant element in improving your finances is to continually seek knowledge and apply what you learn in order to help you keep more money in your account or at least pay less taxes. Taking notice of any changes that will…
  • FutureAdvisor Review – #1 Robo-Advisor on Fidelity & TD Ameritrade

    Kevin Mercadante
    24 Jan 2015 | 2:30 pm
    FutureAdvisor is an internet based investment platform that automatically manages your portfolio for you. Though there are many investment platforms popping up all over the web, FutureAdvisor boasts one of the lowest fee structures available. It’s low pricing and the comprehensive service package make it well worth serious consideration if you’re looking for professional investment management for your portfolio. About FutureAdvisor Founded in 2012, FutureAdvisor is one of the newer web based investment platforms. It was founded by – and continues to be run by – finance…
  • 6 Ways to Maximize Your Money, While Reducing Taxable Income

    Stephanie Christensen
    23 Jan 2015 | 7:30 am
    Despite the different financial goals and realities each of us faces, there is one thing we share as income earners in America. Taxes. Anyone who has paid them can likely agree that regardless of income or net worth, it feels like there’s a better use for the money whether to pay down debt, build retirement savings, or start a business. Because legally opting out of taxes isn’t an option, aim for the next best thing: Optimize every opportunity you’re given to legally reduce your taxable income. Here are 6 ways that will help you maximize your money: #1. Max out your…
 
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    Florida Retirement Plan

  • Big Mac Valuation Metric

    Gardner Sherrill
    30 Jan 2015 | 9:15 am
    Last week, in Switzerland, a big mac cost $7.54. The Economist invented the Big Mac Index in 1986 as an entertaining way to assess whether currencies were at the “correct” levels. The index uses purchasing power parity (PPP) to measure one currency against another. PPP is the idea that exchange rates should adjust so theRead more
  • Weekly Market Commentary January 26, 2015

    Gardner Sherrill
    26 Jan 2015 | 2:44 pm
    The Markets There may be potential for a reality television program starring central bankers and the making of economic policy. It could be called, ‘The Real Central Bankers of the European Economic Community.’ Just imagine the last two weeks’ episodes. Two weeks ago, the Swiss National Bank shocked markets by unpegging its currency and sendingRead more
  • 4th Quarter 2014 Review

    Gardner Sherrill
    24 Jan 2015 | 5:20 am
    Quarterly Market Review 2014
  • Falling Healthcare Premiums

    Gardner Sherrill
    23 Jan 2015 | 11:13 am
    Good news for anyone in retirement or retiring soon: The amount of savings needed to cover health insurance premiums and out-of-pocket care expenses fell for a second straight year, according to the Employee Benefits Research Institute (EBRI). Read more
  • Weekly Market Commentary January 19, 2015

    Gardner Sherrill
    20 Jan 2015 | 11:12 am
    The Markets Central banks have been full of surprises lately, but not too many people saw this one coming. For aficionados of the board game Clue, here’s the gist of it: Thomas Jordan did it in Switzerland with monetary policy. Read more
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    Bankrate.com » Retirement

  • Military pension overhaul proposed

    Jennie Phipps
    29 Jan 2015 | 2:33 pm
    Blue ribbon panel releases proposal to reform military retirement plans and give service people with fewer than 20 years some benefits.
  • Big anniversary for Social Security

    Jennie Phipps
    28 Jan 2015 | 12:01 pm
    Ida May Fuller claimed the first Social Security benefit check ever, 75 years ago on Jan. 31, 1940. Qualifying for benefits remains a worthy goal.
  • Luxury loans for the well-heeled

    Jennie Phipps
    27 Jan 2015 | 10:12 am
    Personal loans are making a comeback -- especially for those who have good credit and a big back account.
  • Social Security adds hours

    Jennie Phipps
    26 Jan 2015 | 10:03 am
    Despite availability of online and telephone access, sometimes going to the Social Security office is the right thing to do.
  • Do you want combo long-term care?

    Jennie Phipps
    23 Jan 2015 | 7:29 am
    Combining life insurance with long-term care works for some people, but it isn't a good deal for others.
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    Live My Retirement

  • NFL Pro Bowl Excitement

    Life adventurer
    26 Jan 2015 | 4:45 pm
    livemyretirement.com The NFL Pro Bowl has changed many times through the years not only in location (it was based in Hawaii) to the now traveling city where the Super Bowl will play. I had the privilege of attending the Pro Bowl with a VIP experience! It was truly the NFL Pro Bowl excitement that most will enjoy immensely! The Pro Bowl Brief Background The Pro Bowl use to be the 2 opposing conferences (NFC v. AFC), however as viewership and attendance wavered over the years, the NFL has changed it to be a “Fantasy Football” like experience where now two seasoned veterans pick…
  • Driving Lyft

    Life adventurer
    18 Jan 2015 | 12:43 pm
    livemyretirement.com In a previous article I wrote on how a retired person can sign up to be an Uber or Lyft driver to add extra income into their world. While the process takes diligence and a little know how on technology (uploading photos), I finally took my first Lyft drive this weekend. This is my driving lyft experience, weekend #1. Driving Lyft in Retirement Before I Started I was slightly nervous to get started as you are about to embark on picking up strangers. Before I started driving, I took some tips into consideration. If you drive, I hope you follow them as well, as they…
  • Road trip in Retirement

    Life adventurer
    12 Jan 2015 | 3:28 pm
    livemyretirement.com Being retired has many benefits, including identifying how you want to spend your newly found free time! Many retirees find themselves seeking many adventures on the road, and one such adventure is the road trip retirement. from Phoenix, Arizona to Albuquerque, New Mexico. The Trip Itself I went to visit my parents over the weekend who live in Albuquerque from season to season, from Phoenix, it’s a very easy drive that is pretty much a straight shot (with some amazing views). Travel Time (estimated): 6 and 1/2 hours Best Time to hit the road: 10 a.m., 2 p.m. or…
  • Connecting BlueTooth

    Life adventurer
    3 Jan 2015 | 10:33 am
    livemyretirement.com With the Christmas season now over, you may be sitting in your home wondering not only how to clean up all the mess but also you may be excited to open your brand new electronic device such as a new iPhone, iPad, Tablet, Blu Ray Player, HDTV or even a PC. All of these technology gadgets have something in common that stumps a lot of us, bluetooth. This technology is a wonderful wireless invention that allows electronic devices to wirelessly connect.  Connecting Bluetooth is easy and a simple process, but to many of us, we just want it to work, right? This article…
  • New Year Resolutions

    Life adventurer
    29 Dec 2014 | 9:38 am
    livemyretirement.com Phew, we made it through Christmas! That was a lot of work, a lot of fun, but almost just as tiring as the work leading up to festivities themselves! And now we have a transition week between the celebration with family, and the transition into the New Year, and you know what that means, New Year Resolutions! And being retired takes a new meaning to your New Year Resolutions, but you may ask why? Well with retirement, you have a  different set of priorities to your resolutions. Let’s explore how make the most of your New Year Resolutions! It Starts With What You…
 
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