Retirement

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  • Lessons Learned

    Data "Points"
    9 Aug 2014 | 4:30 am
    I joined EBRI with a passion for the insights that quality research can provide, and a modest concern about the dangers that inaccurate, sloppy, and/or poorly constructed methodologies and the flawed conclusions and recommendations they support can wreak on policy decisions.  While my tenure here has only served to increase my passion for the former, on (too) many occasions I have been struck not only by the breadth of assumptions made in employee benefit research, but just how difficult – though not impossible – it is for a non-researcher to discern those particulars.We have over…
  • Why Student Loan Debt Should Inspire You To Save

    FutureAdvisor Blog
    futureadvisor
    28 Aug 2014 | 6:38 am
    In 2012, student loan debt surpassed $1 trillion dollars in the U.S. We’ve added another $200 billion since then. Nearly one in five American households is paying off student loan debt, as are approximately two-thirds (37 million) of American students. The average debt per student is around $27,000, surpassing car loans and credit cards as the largest source of personal debt in America. It is the second most important type of consumer debt behind mortgages. Left unchecked, student loans could be the next subprime mortgage. The repercussions of rising student debt extend far beyond…
  • Phyllis and Ed’s Love Story…61 Years Of FUN

    Brunswick Plantation Living
    Bev
    28 Aug 2014 | 3:46 pm
    We enjoy the great people that make Brunswick Plantation and Golf Resort their home! It is such a treat to celebrate life together! We salute our neighbors, Phyllis and Ed Billingsley , as they recently celebrated their 61st Year of … Continue reading → The post Phyllis and Ed’s Love Story…61 Years Of FUN appeared first on Brunswick Plantation Living.
  • Boomers and Marijuana

    Retirement And Good Living
    Terri Benincasa
    29 Aug 2014 | 1:49 pm
    Legalization of marijuana, from medical only to full recreational use, is becoming quite the trend.   Interestingly, many of us who gladly passed the joint after a strong toke when we were in college, now frown upon the substance’s legalization. The usual reasons:   I used it in my youth and I know how bad ...more
  • One Time Only Experiences

    A Satisfying Retirement - Is a Lifestyle You Choose
    Bob Lowry
    28 Aug 2014 | 2:00 am
    Living in the moment is wise counsel that I ignore way too often. I spend copious amounts of time and energy worrying about the future or rehashing the past. The former I can't really control and the latter is past all control. Even, so, give me 15 minutes and I will probably spend 13 of it that way.One of the positives of an RV trip (or any type of travel that removes you from your normal routine and place) is the chance to experience something that you will never experience again. Time, place, weather, and attitude combine in a unique way. At least for me on this trip, I…
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    Data "Points"

  • Lessons Learned

    9 Aug 2014 | 4:30 am
    I joined EBRI with a passion for the insights that quality research can provide, and a modest concern about the dangers that inaccurate, sloppy, and/or poorly constructed methodologies and the flawed conclusions and recommendations they support can wreak on policy decisions.  While my tenure here has only served to increase my passion for the former, on (too) many occasions I have been struck not only by the breadth of assumptions made in employee benefit research, but just how difficult – though not impossible – it is for a non-researcher to discern those particulars.We have over…
  • "Repeat" Performance

    2 Aug 2014 | 4:30 am
    A few months back, I was intrigued to catch several episodes of “Cosmos,” an updated version of the classic 1980 Carl Sagan series.  Along with the significantly expanded and enhanced visuals and (to me, anyway, generally annoying) animations, the series recounted the work, travails and accomplishments of Edmond Halley, who, even today, is probably best remembered for the comet whose 75-year cycle he identified and which still, as Halley’s Comet, bears his name.Halley wasn’t the first to see the comet, of course – in fact, it had been recorded by Chinese astronomers as far back…
  • Look-Back "Provisions"

    26 Jul 2014 | 4:39 am
    My wife and I recently celebrated our wedding anniversary.  It was a special day, as they all are, but as I thought back on the events of our life together, I was struck by the realization that I have now been married for about half my life.  Not that I didn’t expect to remain married, or to live this long; if someone had asked on my wedding day if I thought I’d still be alive and married this many years hence, I’m sure that I would have expressed confidence, likely strong confidence, in both outcomes.  However, if someone on that same day had asked me to guess then where…
  • 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…
 
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    FutureAdvisor Blog

  • Why Student Loan Debt Should Inspire You To Save

    futureadvisor
    28 Aug 2014 | 6:38 am
    In 2012, student loan debt surpassed $1 trillion dollars in the U.S. We’ve added another $200 billion since then. Nearly one in five American households is paying off student loan debt, as are approximately two-thirds (37 million) of American students. The average debt per student is around $27,000, surpassing car loans and credit cards as the largest source of personal debt in America. It is the second most important type of consumer debt behind mortgages. Left unchecked, student loans could be the next subprime mortgage. The repercussions of rising student debt extend far beyond…
  • Don’t Become a Victim Of Cyber Espionage

    Qiana Chavaia
    18 Aug 2014 | 6:32 am
    Cyber crimes are on the rise and criminals are becoming more sophisticated in their attacks. According to the U.S. Department of Justice, identity theft arising from Internet fraud and phishing scams cost Americans 27.4 billion in 2013, exceeding all other types of crimes. And the Kaspersky Lab Cyber forecast for 2014 predicts cyber attacks will continue to grow. Scams on Craigslist Since its inception in 1995 as an email list for San Francisco-based events, Craigslist has expanded to 700 localities in 70 countries. The site receives over 50 billion page views, 60 million classified ads, and…
  • Tax Loss Harvesting – Untangling Your Shares

    E.A. Mann
    13 Aug 2014 | 6:32 am
    Imagine you’ve bought a shiny new car. It has dozens of beautiful chrome knobs and levers. There are sturdy paddles behind the steering wheel that make a satisfying click sound when depressed. The center console sports a big red button, shined to a gloss, seductively flashing the word “Push”.  Now imagine that I own this car, but that the only parts of it I’ve touched are the steering wheel and the gas and brake pedals. This about sums up my experience with my investment websites, where about the only button I’ve pressed is “Buy”. However, to properly harvest…
  • Performance: July 2014

    Simon Moore
    8 Aug 2014 | 8:16 pm
    Year to date through the end of July 2014 the average FutureAdvisor portfolio has outperformed the S&P 500 by +1.01%. The S&P 500 has returned +5.66% relative to +6.67% for the average FutureAdvisor portfolio. For the month of July the S&P declined -1.38% whereas the average FutureAdvisor portfolio declined -0.92% hence outperforming the S&P 500 by +0.46%. July was a weak month for most markets, during which the gains for stocks from June were largely reversed, though many indices remain close to all time highs. We believe this was due to a combination of factors surfacing…
  • Why You Need To Tax Loss Harvest

    E.A. Mann
    6 Aug 2014 | 10:31 am
    My investment strategy is dead stupid. I tend to purchase low cost index funds, automatically and at regular intervals, and hold them indefinitely. My ten-month-old daughter could administer my investments, provided I could wire the big cow button on her activity center to Vanguard’s web servers. I don’t understand complex investment maneuvers, and I certainly don’t have any advanced knowledge of the stock market based on some news I read about Brazil. I wear my ignorance with a modicum of pride, because I believe that the average investor benefits from doing less rather than more. So…
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    Brunswick Plantation Living

  • Phyllis and Ed’s Love Story…61 Years Of FUN

    Bev
    28 Aug 2014 | 3:46 pm
    We enjoy the great people that make Brunswick Plantation and Golf Resort their home! It is such a treat to celebrate life together! We salute our neighbors, Phyllis and Ed Billingsley , as they recently celebrated their 61st Year of … Continue reading → The post Phyllis and Ed’s Love Story…61 Years Of FUN appeared first on Brunswick Plantation Living.
  • Sweetgrass Baskets And Gullah African Traditions

    Bev
    21 Aug 2014 | 11:43 am
    Sweetgrass baskets are beautiful intricately weaved, coiled baskets and one of the oldest African crafts in America! These baskets, a cultural heritage of the Gullah African tradition, were transported across the Atlantic by enslaved African people. The baskets appeared in … Continue reading → The post Sweetgrass Baskets And Gullah African Traditions appeared first on Brunswick Plantation Living.
  • Summer Savings with Seal and Insulate – Don’t Sweat It! shared by Brunswick Plantation Living

    Kevin Anderson
    18 Aug 2014 | 3:00 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 Summer Savings with Seal and Insulate – Don’t Sweat It! shared by Brunswick Plantation Living appeared first on Brunswick Plantation Living.
  • Coastal Living News and Events 8.14

    Bev
    15 Aug 2014 | 12:10 pm
    Coastal living is Fun all year with much to do and see in the Carolinas! There is so much to choose from located in and close to the lovely gated community of Brunswick Plantation and Golf Resort. It really is … Continue reading → The post Coastal Living News and Events 8.14 appeared first on Brunswick Plantation Living.
  • Brunswick Plantation News and Events 8.14

    Bev
    15 Aug 2014 | 11:51 am
    Summer Time and the Livin’ is Easy! There is, as usual, so much going on in our lovely gated community of Brunswick Plantation and Golf Resort! Folks here are even busy planning Fall activities! What a dynamic group of friends … Continue reading → The post Brunswick Plantation News and Events 8.14 appeared first on Brunswick Plantation Living.
 
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    Retirement And Good Living

  • Boomers and Marijuana

    Terri Benincasa
    29 Aug 2014 | 1:49 pm
    Legalization of marijuana, from medical only to full recreational use, is becoming quite the trend.   Interestingly, many of us who gladly passed the joint after a strong toke when we were in college, now frown upon the substance’s legalization. The usual reasons:   I used it in my youth and I know how bad ...more
  • A Day in the Life

    Ken Wibecan
    28 Aug 2014 | 1:09 pm
    Each morning I rise from bed, slowly, as is my habit, and sit quietly on the bed contemplating the day that looms before me. It is summer, and each day a pencil of morning sunlight shines its way across the room, illuminating a different spot on the west wall until one day it is gone ...more
  • Tips to Help Couples Communicate More Effectively

    Dr. Dorian Mintzer
    27 Aug 2014 | 1:32 pm
    Have you been thinking about and even worrying about the upcoming years—and your spouse wants nothing to do with it and thinks you’re “crazy” to be thinking about something in the future? Or, perhaps your spouse is pushing for the discussion and you don’t even want him or her to consider retiring since it will ...more
  • Cycling Across America: 11 Weeks, 10 States, 3,065 Miles

    Dr. Melinda Spohn
    26 Aug 2014 | 1:20 pm
    Cycling from Yorktown, VA to Washington State began as a fund-raiser for my non-profit organization, the Senior Retirement Project which provides in-home mental health counseling to seniors and their adult care givers. Emotional issues such as depression, anxiety, or feelings of being overwhelmed are not related to aging itself, rather, as one age’s challenging life ...more
  • Over the Edge? Not Me!

    Paulette Mahurin
    24 Aug 2014 | 12:39 pm
    Retirement! Retirement? Retirement brings up a lot of emotions and reactions. For some it’s the looking forward to leaving the daily grind of work and can’t wait to retire. For some it’s a loss as they hit that age of required retirement. For others it can be scary and what the hell am I going ...more
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    A Satisfying Retirement - Is a Lifestyle You Choose

  • One Time Only Experiences

    Bob Lowry
    28 Aug 2014 | 2:00 am
    Living in the moment is wise counsel that I ignore way too often. I spend copious amounts of time and energy worrying about the future or rehashing the past. The former I can't really control and the latter is past all control. Even, so, give me 15 minutes and I will probably spend 13 of it that way.One of the positives of an RV trip (or any type of travel that removes you from your normal routine and place) is the chance to experience something that you will never experience again. Time, place, weather, and attitude combine in a unique way. At least for me on this trip, I…
  • Heaven Help Our Roads

    Bob Lowry
    20 Aug 2014 | 1:24 pm
    As I write this post we have passed 3,500 miles on our trip. I have felt almost every one of those three thousand five hundred miles. The RV has shaken enough to loosen dozens of screws and make things rattle that I didn't even know could rattle. Why? Because too many of America's roads are falling part.If you have plans to motor through the Midwest, hold on to your hat (and anything else that might be loose): I-70 through eastern Colorado, I-90 through southern Minnesota, I-35 in Iowa and Minnesota, I-39 in Wisconsin.....the list is endless. Have you noticed that the major offenders are…
  • Making The Turn Toward Home

    Bob Lowry
    12 Aug 2014 | 6:27 am
    The RV’s nose has turned west. After 5 weeks of putting 2,500 miles between us and home, we have begun the return trip. Though not rushing back, we are feeling the pull of family and friends and implementing some of what we have learned about each other and what makes our individual retirement journey so satisfying.One of the joys of this type of travel is the ability to make changes when we feel like it so, we are adding two states to our itinerary. Realizing that we aren’t likely to be back this way anytime soon, our return will include some time in North Dakota and Montana. That will…
 
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    Early Retirement Extreme

  • Productivity and the Goose that laid the Golden Eggs

    Jacob
    31 Aug 2014 | 1:57 am
    Most of the misunderstandings concerning productivity appear because productivity gurus measure productivity with time as the variable. If only we could manage time more effectively, we would get more things done, the thinking goes. This is true insofar that one is doing piecework where each actions takes a certain amount of time so that work volume is directly proportional to time. Although many people are still paid in the old fashioned way by the time they put in, most products are more accurately measured by the value they add regardless of how long it took to create this value. From my…
  • The implications of financial freedom

    Jacob
    30 Aug 2014 | 1:53 pm
    Freedom can only be meaningfully defined in terms of a restriction on something else. A freedom for person A is necessarily a limitation on person B. For instance, if A is free from being shot, B is not free to shoot A. This is so simple to understand, that it is hard to explain. This also means that instead of talking about freedom, we could simply talk about it’s anti-image: limitations. Talking about freedom is pointless if we do not consider the other side of the coin. Freedom fries, anyone? Once this is understood, it becomes clear that my financial freedom is essentially a…
  • Musings on postmodernism, ignorance, and my answer to “Do you really believe people are dumb?”

    Jacob
    30 Aug 2014 | 1:50 am
    I was once interviewed for a thesis project where I had to explain my ideas about ERE, social relevance, general adoption, etc. At one point during the interview after having explained something about price-behavior, the interviewer asked me the following question: “So do you believe that most people are dumb?” Okay, so I didn’t have a ready answer for this and so my answer was something to the effect of “Let me get back to you on that”, which I subsequently did. First, we need to understand the question though. Dumb essentially means unintelligent. I can answer…
  • Choices, desires, and satisfaction

    Jacob
    29 Aug 2014 | 1:49 pm
    Satisfaction is a balance between choices and desires. Simplicity is one strategy of reducing choices to match desires through introspection. Consumerism is strategy to increase desires to match choices through marketing. 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)
  • Intelligence, experience, and wisdom

    Jacob
    29 Aug 2014 | 1:46 am
    Experience without intelligence is just information or a walking encyclopedia. Intelligence without experience is knowledge and knowledge without experience is unwise. Experiences can be bought (and some say they are better than stuff). Intelligence can not be bought with money (but some say it can be developed through effort and time). Ideally one should strive for a balance. The strategy of education is loosely to add experiences until they match our intelligence. But what method if any exists to increase intelligence to match our experiences? Expert advisers? Comment: Incidentally, I am…
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    Retirement: A Full-Time Job

  • My Short Career as a Landlord

    Retired Syd
    29 Aug 2014 | 8:36 am
    (Photo Details:  Secluded Napa Valley vacation rental) This is a story about how I learned that I’m not going to start a little rental business in retirement. Back when I was still working, Doug and I bought a vacation home in the Napa Valley.   We used it on the weekends to escape San Francisco’s dreary summers.  In less than two hours we could be 30 degrees warmer.  Seriously. A few years later we ditched the fog of San Francisco for suburbia so I could be closer to work.  The upside was a 12-minute commute and a town whose motto is “Climate best by government test.”  But…
  • Looking Forward

    Retired Syd
    27 Jul 2014 | 3:48 pm
    (Photo Details:  The view from Roosevelt Island to Manhattan's Upper East SIde--July 2014) So this is my last day in Manhattan, for this year anyway.  I am always sad to go home.  Not only will I miss the thrill of living right up next to other people’s lives, I will miss the way this place continues to surprise me every time I come here.  More about that later--this is a post about looking forward.  Instead of being sad about leaving, I’m working on looking forward to going back home.  When I’m away, especially for such a long time, I am more removed from the things that weigh…
  • 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…
 
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    Oblivious Investor

  • Investing Blog Roundup: Vanguard Interviews Jonathan Clements

    Mike
    29 Aug 2014 | 5:00 am
    When I first started reading about personal finance, Jonathan Clements (writing for The Wall Street Journal at the time) was one of my favorite writers. After a several-year hiatus, Clements began writing for WSJ again this year. You can find a collection of his articles here. This week, in an interview with Vanguard, Clements argues that today is a great time to be an investor: The Best of Times? A Conversation with Jonathan Clements from Vanguard Investing Articles S&P 500: A Great 2nd Place Index Fund from Rick Ferri Where to Stash Your Cash to Make More from Allan Roth On Turning…
  • Why I Prefer Vanguard LifeStrategy Funds to Target Retirement Funds

    Mike
    25 Aug 2014 | 5:00 am
    A reader writes in, asking: “I enjoyed the Bogleheads piece. [Editor's note: He's referring to this recent Money article by Penelope Wang.] I noticed that there was a recommendation for the Target Retirement Funds. I wonder if you’d run your preference for the LifeStrategies Growth Fund by me one more time?” As a tool for investors in general, I prefer the LifeStrategy funds primarily due to their naming convention (i.e, the use of the names Growth, Moderate Growth, Conservative Growth, and Income rather than date-based names). When presented with a menu of LifeStrategy…
  • Investing Blog Roundup: Tips from the Bogleheads

    Mike
    22 Aug 2014 | 5:00 am
    This week Penelope Wang of Money has a great write-up about the Bogleheads community, as well as the new edition of The Bogleheads Guide to Investing that was released this week. Wang writes: “Wouldn’t it be great to get advice on managing your money from a knowledgeable friend—one who isn’t trying to rake in a commission or push a bad investment? That’s what the Bogleheads are all about.” 3 Smart Moves for Retirement Investors from the Bogleheads from Penelope Wang Investing Articles iShares to Close Target Retirement ETFs from Barry Barnitz Why Your Fund’s Return…
  • Helpful Social Security References

    Mike
    18 Aug 2014 | 5:00 am
    From time to time, I hear from people who have visited their local SSA office (or spoken with an SSA employee on the phone) to execute a legitimate Social Security strategy, only to have the SSA employee (incorrectly) tell them that they cannot do such a thing. Generally, the best thing you can do in such a situation is to respectfully direct the SSA employee to an applicable reference in the Code of Federal Regulations or Program Operations Manual System (i.e., the SSA’s internal employee manual). What follows are a few such references that may be helpful in getting things moving…
  • Investing Blog Roundup: Ignoring the News

    Mike
    15 Aug 2014 | 5:00 am
    This blog was originally started to share the concept that you don’t have to follow market news in order to achieve investment success. (That is, it’s OK to be “oblivious” to it.) This week, MarketWatch writer Chuck Jaffe shares a similar message: Smart Investors Ignore the News from Chuck Jaffe Investing Articles 4 Ways Income Investors Get it Wrong from Jim Dahle Do Active Funds Have a Future? from John Rekenthaler Are Risk-Adjusted Returns Helpful for Building a Portfolio? from Ben Carlson What investment marketing campaign do you think has been the most…
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    Getting Your Financial Ducks In A Row

  • Should You Have Gold in Your Portfolio?

    sraskie
    29 Aug 2014 | 5:00 am
    American Gold Eagle (Photo credit: Wikipedia) We had a great question come in by request this week that we address the question of whether folks should have gold in their portfolios. Gold can be included under the umbrella of a larger asset class known as commodities. Think of commodities as items used to make or produce other items – such as gold is used to produce jewelry, circuitry and coinage, while timber is used to make lumber and paper, while coal is used to make electricity and disappoint not-so-good kids on Christmas morning (sorry, couldn’t resist). Getting back to gold, the…
  • 10 questions: Social Security Spousal Benefits

    Jim Blankenship
    27 Aug 2014 | 5:27 am
    Photo courtesy of Dan Ruswick on unsplash.com I recently had the pleasure of taking part in a live interactive event with Yahoo! Finance, where folks were able to ask virtually any question they wished. We received and responded to over 200 questions – they’re all on Facebook on the Yahoo! Finance page (click the link to go to the page). One recurring theme played out over and over: Social Security Spousal Benefits are not understood by a vast number of folks. Naturally I find this to be disturbing.  Social Security Spousal Benefits often represent a large part of the total…
  • Social Security Wage Base Projected for 2015

    Jim Blankenship
    25 Aug 2014 | 5:58 am
    Photo courtesy of Stephy Pariande Marzian on unsplash.com According to the Social Security Administration trustees, the Social Security wage base for 2015 is projected to be $119,100.  This represents an increase of $2,100 from the 2014 wage base of $117,000. This is an increase of 1.79% – and won’t be finalized until October when the other increases for Social Security amounts are announced. This is a relatively small increase when compared to recent annual increases we’ve seen.  The previous 3 years’ increases have averaged 3.09%. This is different from the COLA (Cost of Living…
  • What Keeps Your Planner Up at Night?

    sraskie
    22 Aug 2014 | 5:00 am
    stressed and worried (Photo credit: Wikipedia) I thought I’d share some of the things that go through my mind, financially, even though I’m “in the business” of being a financial planner and teach classes on finance and investments. The goal is to help readers understand that although we give an objective point of view when working with you there are times with our own financial well-being that we too have worries and concerns. We’re certainly not immune. Being married with two children brings along its own set of circumstances and planning issues that I deal with. One of the…
  • RMD Avoidance Scheme: Birthdate Makes All The Difference

    Jim Blankenship
    20 Aug 2014 | 5:15 am
    Photo courtesy of Lizzy Gadd on unsplash.com As you may recall from this previous article, it is possible to use a rollover into an active 401(k) plan as an RMD avoidance scheme. Of course, this will only work as long as you’re employed by the employer sponsoring the 401(k) plan and you’re not a 5% or greater owner of the company. In addition, the rollover must be done in a timely fashion, prior to the year that you will reach age 70 1/2 in order to avoid RMD. An example of where timing worked against a taxpayer (at least temporarily) recently came to me via the ol’…
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    Personalincome.org

  • Self Directed IRA Services Review – Should you setup a self directed IRA?

    Donny Gamble
    30 Aug 2014 | 10:31 am
    Self Directed IRA Services (SDIRA Services) was founded in 2008 in Waco, TX. It provides administration and custody services that allow individuals to place assets in the retirement via a self-directed IRA. The company is a subsidiary of Horizon Bank. What I Learn When Doing Research on SDIRA Services Even though Self Directed IRA Services might be a great company to work with, it is hard to tell because they have no reviews from current or past customers around the web. I could not find one single review of this company even on the industry watchdog websites. This is an important part of my…
  • KeltnerPro Review – Does this automated forex robot really work?

    Donny Gamble
    29 Aug 2014 | 8:04 am
    The world of Forex trading has been a driver of the global economy since money was first invented. Forex seems simple: you buy currency when it is worth a small amount and sell it when it is worth more, thereby making a profit. However, for all its simplicity, it seems that only experienced traders have truly figured out how it works. This is where Keltner Pro comes in, however, which is a software package that claims to help you see a very rapid return on investment, after which can you start enjoying profits. It is not the only program of its kind, so what makes this one different? What is…
  • SEP IRA – Introduction Guide to Simplified Employee Pension Plans

    Kevin Mulligan
    27 Aug 2014 | 9:19 am
    What is a SEP IRA? Simplified Employee Pension IRAs or SEP IRAs are retirement accounts primarily utilized by self-employed individuals or smaller employees. SEP IRAs are part of SEP Plans; the IRA is just the vehicle that carries the financial assets to retirement. Unlike Traditional or Roth IRAs a SEP IRA is not primarily funded by the employee. The employer funds the SEP portion of the IRA. The only time an employee would contribute to a SEP IRA would be if the company holding the SEP allowed the IRA to be treated like a Traditional IRA. If so, standard Traditional IRA rules apply. The…
  • Distressed Debt Investing: How to Build Your Own Business Empire, While Saving Jobs at the Same Time

    Miranda Marquit
    25 Aug 2014 | 9:47 am
    Since the financial crisis of 2008, and the subsequent stock market crash, many investors have been looking for ways to diversify their portfolios. Indeed, even though the stock market has skyrocketed in recent years, the fear of another crash has many wondering if there are other investing options that would do just as well for the future. One of the most overlooked investments out there is distressed debt. Many companies find themselves struggling and in trouble, and investing in these distressed debt properties can provide you with a way to build your own business empire — and save…
  • RC Bullion Review – Why I Did Not Choose Them for My Gold IRA

    Donny Gamble
    24 Aug 2014 | 12:22 pm
    RC Bullion’s founders have been in the industry since 1998, which would give one the idea that as a business, they are quite well to do and experienced in the industry. They started with trading precious metals and have since expanded their business to include retirement accounts. They carry a wide range of products including gold, silver, platinum and various rare bullion products. They also provide delivery to the doors of their clients. What I Learn When Doing Research on RC Bullion At the time of this writing it is very evident to note that this has to be a brand new company because I…
 
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    fl-retirementplan.com

  • Estate planning – Tips to Coordinate

    Gardner Sherrill
    29 Aug 2014 | 9:35 am
    ​Mind the gap. Here in America, some of the most important gaps that need to be filled are in estate plans. It’s not enough to have a plan. You also need to make sure all of the components of your plan – from retirement accounts to investments to property – are properly coordinated. Often theRead more
  • Weekly Market Commentary August 25, 2014

    Gardner Sherrill
    25 Aug 2014 | 8:02 am
    The Markets What do Harry S. Truman and Hindu goddesses have in common? Both were invoked to describe Federal Reserve Chairwoman Janet Yellen’s speech at the Jackson Hole Economic Policy Symposium last week. Read more
  • Old World Investing

    Gardner Sherrill
    17 Aug 2014 | 1:11 pm
    The Old World focus was on beating "the market" through finding mispriced securities and actively trading them. Wall Street and associated insiders had information and technology advantages that allowed them to leverage their scale and talent. Read more
  • Latin America Trivia

    Gardner Sherrill
    15 Aug 2014 | 8:27 am
    What’s the fastest growing country in latin america? Nope, it’s not Brazil. The gross domestic product (GDP) growth forecast for Brazil was lowered from 2.2 percent in January 2014 to 1.8 percent in June 2014, according to The Economist. That means Brazil is expected to grow more slowly than the United States this year. ReadRead more
  • Weekly Market Commentary August 11, 2014

    Gardner Sherrill
    11 Aug 2014 | 7:54 am
    The Markets During the dog days of summer, a triple dip – three melting scoops of frozen goodness perched precariously on a waffle cone – can be delicious. There are other kinds of triple dips that are a lot less welcome, though. Just look at Italy. Read more
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    Structured Settlement

  • Millionaire Calculator

    Michael Reid
    29 Aug 2014 | 3:29 am
    How long will it take you to save up enough money to reach the millionaire mark. This calculator will help you to determine that age and you can start making plans or adjustment to your current plan to make that goal a reality. <div><a href=”http://www.dollartimes.com/calculators/on-your-site/millionaire-calculator.htm”>Put a Millionaire Calculator on your site!</a> <script src=”http://www.dollartimes.com/calculators/on-your-site/calculator.php?id=19″ type=”text/javascript”></script></div>  
  • Retirement Calculator

    Michael Reid
    29 Aug 2014 | 3:17 am
    What will retirement look like for you? Here is a calculator that gives an estimate of how much you will have to save to achieve your retirement goal. Who knows what the future hold? You may live to see 100 years, have great health or bad health, etc. What you can do is put a great plan in place so no matter what happens you are well prepared. One has to think about sources of income like social security, pensions, annuity, structured setllemnt etc. Here is another great source for a retirement calculator. Click Here Put a Retirement Calculator on your site!
  • Annuity Calculator

    Michael Reid
    29 Aug 2014 | 3:02 am
    An annuity calculator help you to look at both present and future value. Here is a simple calculator that you can use. Put an Annuity Calculator on your site!
  • List of Structured Settlement Brokers

    Michael Reid
    24 Aug 2014 | 3:33 pm
    Structured settlement brokers are licensed to administer settlement payments. The complete list of licensed brokers is listed at the Department of Justice website. You can search the list to find an appropriate broker to handle your settlement. Here is the 2014 calendar-year list of annuity brokers who meet minimum qualifications for providing annuity brokerage services in connection with structured settlements. Scroll down for link to complete list from the ADAMS, Thomas M.; St. Louis, MO ALEXANDER, Albert May Jr.; Memphis, TN BAIR, John Theodore; Buffalo, NY BARK.HANSEN, Henry W.; Chicago,…
  • annuity reverse mortgage

    Michael Reid
    20 Aug 2014 | 10:49 am
    Reverse Annuity Mortgage Annuity reverse mortgage is a term sometimes used when searching for the more correct term which is Reverse Annuity Mortgage. It provides a creative option for a home owner to get the equity value from their home. Retiree homeowners generally use this form of annuity to provide a steady stream of income. This could be a payment that they receive every month based on the agreement for equity and the period of time. In this case instead of paying to the mortgage holder, the homeowner receives the payments in exchange for the equity in the home. The equity therefore gets…
 
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    SMSF | SMSF Superannuation | SMSF Specialists | Redwood Advisory

  • HOW TO SPOT A SMSF PROPERTY SPRUIKER

    Ivan Filipovic
    5 Aug 2014 | 1:01 am
    Property Spruikers have been around for a long time, and are more prevalent now more than ever. With the growth of Self Managed Superannuation Funds (“SMSF”), which control over one third of Australia’s almost $1.7 trillion Superannuation industry, SMSF Property Spruikers now have a new focus – mum and dad SMSF Investors. The rise and shine of SMSF Property Over the last 12 months, there has been a significant increase in awareness around SMSF Property including the ability of the SMSF to borrow to purchase property in an SMSF. Lets remember, this change occurred in 2007, however…
  • 2014/2015 SMSF STRATEGY: CONTRIBUTION CAPS

    Ivan Filipovic
    13 Jul 2014 | 4:09 pm
    The key to utilising an effective SMSF strategy is understanding the tax benefits of SMSF. From investing in shares to borrowing to invest in property, utilising an SMSF can be a key vehicle to securing your retirement nest egg. A key strategy is SMSF contributions including type of contributions and the tax advantages including tax deductions of each contribution. Concessional Contributions From 1 July 2014, the Concessional Contribution cap of $25,000 increased to a new Concessional cap of $30,000, which is good news for those with an effective SMSF Strategy. With indexation frozen over…
  • SMSF PROPERTY: REPAIRS V IMPROVEMENTS

    Ivan Filipovic
    3 Jul 2014 | 9:38 pm
      Many SMSF members are thinking about setting up an SMSF to purchase SMSF Property. Once we let them know that you cannot purchase a beach house and live in it during the holidays, the discussion points to how to borrow to invest in SMSF Property and how to structure the SMSF Property in accordance with Superannuation Regulations. Since 2007, SMSFs have been allowed to borrow to purchase property under a “Limited Recourse Borrowing Arrangement” (LRBA). Given the high regulation of SMSF’s there was not a significant take up of LRBA’s with uncertainty over key areas of the SMSF…
  • SMSF MEMBERS ARE YOUNGER AND INVESTING OVERSEAS

    Ivan Filipovic
    29 Jun 2014 | 5:56 pm
      What is a ‘New Boomer?” it can be safely substituted for the description of the young or X generation aged under 35. SMSFs reached a major milestone with one million members recently representing approximately $530 billion of investments. The dynamic of SMSF members has changed significantly compared to just last year, according to an analysis of Australian Taxation Office (ATO) data by CoreData with over 6 in 10 members aged between 34 and 54. No longer will SMSFs be seen as a consideration for those approaching preservation age. “New Boomers” are looking to take control of…
  • End of Financial Year SMSF Strategies

    Ivan Filipovic
    16 Jun 2014 | 5:24 pm
    Self managed superannuation funds (“SMSF’s) are about strategy, and your strategy needs to be compliant with Superannuation Law. A sound SMSF strategy will ensure you achieve the maximum tax benefits for your fund and will improve your retirement balance in the long run. We have identified key strategies and compliance considerations for your in preparation for 30 June. 1. Contributions Be sure to take advantage of concessional contributions before 30 June. Contributions need to be credited to your SMSF bank account pre 30 June and ensure you have the relevant documentation to ensure the…
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