Retirement

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  • Benefits of reducing inflammation as you age

    Retirement And Good Living
    Joanne Turner PhD
    16 Nov 2014 | 7:54 pm
    As we grow older changes occur in our cells and tissues, and these changes can impact how our immune system works. One change that occurs over time as we age has recently been called inflammaging. Inflammaging is described as an age-associated increase in the amount of molecules in our blood that either cause inflammation, or ...more
  • 15 Routines Successful People Do Every Single Morning

    Personalincome.org
    Kevin Mercadante
    24 Nov 2014 | 6:28 am
    If you study a successful person, you will likely have found someone who has a well established morning routine that helps them to have a productive day every day. That isn’t just a good habit either – the way you start your morning has a definite impact on how the entire day goes. By creating routines that force you to discipline yourself to do certain necessary tasks each day, you can practically become successful by default. As the saying goes, a journey of a thousand miles begins with a single step. And that’s exactly what each morning is. Here are 15 routines successful people do…
  • 5 Social Security Changes Coming in 2015

    U.S. News - Planning to Retire
    Emily Brandon
    22 Oct 2014 | 7:10 am
    Retirees will get bigger checks next year, and some workers will receive benefit statements.
  • 2014: What Do We Have To Be Thankful About?

    A Satisfying Retirement - Is a Lifestyle You Choose
    Bob Lowry
    25 Nov 2014 | 1:00 am
    If you spend enough time with social media, cable TV news channels, newspapers, or on the Internet, the title of this post seems like a reasonable question. Between the mess that is the Mideast, Ebola, political dysfunction, and the general tension of 21st century living, Thanksgiving may seem like an anachronism: a pleasant idea that lives on more in memory than reality.I disagree.  In America we have survived yet another election cycle with all the drama and cynicism that implies. The results were not pleasing to many, full of joy for others. But, we all woke up on November 5th,…
  • Thanks Giving - A Retirement Plan Professional's List

    Data "Points"
    25 Nov 2014 | 8:32 pm
    Thanksgiving has been called a “uniquely American” holiday, and one on which it seems fitting to reflect on all for which we should be thankful. Here’s my 2014 list:I’m thankful that retirement plan coverage and participation is up, if slightly, and that there seems to be a expanding national dialogue about how to expand that.I’m thankful that a growing number of policy makers are willing to admit that the “deferred” nature of 401(k) tax preferences are, in fact, different from the permanent forbearance of other tax preferences — even if the governmental accountants and…
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    Data "Points"

  • Thanks Giving - A Retirement Plan Professional's List

    25 Nov 2014 | 8:32 pm
    Thanksgiving has been called a “uniquely American” holiday, and one on which it seems fitting to reflect on all for which we should be thankful. Here’s my 2014 list:I’m thankful that retirement plan coverage and participation is up, if slightly, and that there seems to be a expanding national dialogue about how to expand that.I’m thankful that a growing number of policy makers are willing to admit that the “deferred” nature of 401(k) tax preferences are, in fact, different from the permanent forbearance of other tax preferences — even if the governmental accountants and…
  • The Cost of Living

    22 Nov 2014 | 3:43 pm
    At a recent conference, our luncheon table got to talking about savings trends and the unique challenges of Millennials, specifically the impact of graduating with so much college debt.While several at the table had graduated with (and since paid off) college debt, the sums paled in comparison to the kinds of figures bandied about in recent headlines — or did, until I loaded up an online calculator that allowed us to see what our college debt at graduation amounted to in today’s dollars. To the collective astonishment of the retirement experts at that table, the totals, adjusted for…
  • "Missed" Deeds and 401(k) Fees

    15 Nov 2014 | 5:47 pm
    The Nov. 7 issue of The New York Times included a story about “Finding, and Battling, Hidden Costs of 401(k) Plans.” The story focused primarily on the plight of Ronald Tussey, the named plaintiff in Tussey v. ABB, Inc., one of the so-called “excess fee” revenue sharing cases.Tussey, now 70, claims that he was told that his retirement plan was “free,” even though, according to the Times article, “middlemen1 were deducting expenses from his savings.” The story also notes that Tussey “never thought that his retirement plan might be flawed,” and that “he trusted…
  • Access "Able?"

    8 Nov 2014 | 5:26 am
    Though I’ve now spent more than three decades working with employment-based benefit plans, I’ve also worked for some very different employers, ranging from organizations that employed tens of thousands of workers to those that were a fraction of that size. Those organizations were all very different, of course, but they all had at least one thing in common: All offered a workplace retirement savings program.That’s apparently not as common as one might think, certainly among smaller employers. In fact, a new study from the Employee Benefit Research Institute (EBRI) notes that the…
  • Room to Grow

    25 Oct 2014 | 6:59 pm
    Several months back we acquired an aquarium, and I looked forward to filling it up with all kinds and sizes of exotic fish – only to be disappointed to find out that, despite the massive displays of what appeared to be whole schools of fish in similar sized tanks at the pet store, our tank would only support a handful of the fish I had hoped to display. The reason; they need room to thrive and grow. The more fish you want to have (and live), the bigger the tank.The IRS has now announced the new contribution and benefit limits for 2015. Most were increased, notably the annual contribution…
 
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    FutureAdvisor Blog

  • 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…
  • Here’s How I Stopped Fighting About Money With My Wife

    E.A. Mann
    12 Nov 2014 | 3:00 am
    There was a time back in 2010 when my wife and I fought about money constantly. We had a full joint account and, like jealous lovers on Facebook, we found ourselves scrutinizing each other’s every move. We questioned purchases, we argued over budgets, I checked our account from work and sent terrible, passive aggressive emails (‘How was the trip to the mall? Did we need more groceries?’). Something had to change. Over our six-year relationship, we’ve tried many ways of managing our money together, and thrown many methods away. In the end, we settled on something I call the Limited…
  • Let’s Talk About Why 50,000 Vets Are Homeless Every Night

    Chris
    11 Nov 2014 | 3:00 am
    In January, the US Department of Housing and Urban Development reported that 49,993 veterans were sleeping on the street on any given night. About 840,000 vets end up without shelter at some point during the year, according to the National Coalition for Homeless Veterans, and that’s a problem. While those numbers are in decline, down a third since 2010, vets still make up a disproportionate number of America’s homeless: they constitute roughly one-tenth of the general population,  one fifth of all suicides and one quarter of all homeless. Why? While homelessness has a lot of causes…
  • The Differences Between ETFs And Mutual Funds

    E.A. Mann
    10 Nov 2014 | 5:50 am
    ETF’s are like anti-lock brakes: they’re everywhere, most people know generally what they do, but I doubt the average person could explain them in any great detail. When I talk to people, I get the sense that most think about ETF’s and mutual funds interchangeably. They’re right in spirit but wrong on the details. Let’s try to hone in on a clearer definition of ETF’s. The acronym stands for Exchange Traded Funds, but instead of continuing on with dry definitions, let’s look at them through the lens of an investor who has some cash and is desperate to buy a piece of the stock…
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    Brunswick Plantation Living

  • Energy Star Rule Your Attic- shared by Brunswick Plantation Living

    Kevin Anderson
    24 Nov 2014 | 2:00 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 Energy Star Rule Your Attic- shared by Brunswick Plantation Living appeared first on Brunswick Plantation Living.
  • Smart Spending Tips Monthly November 2014 by Brunswick Plantation Living

    Kevin Anderson
    20 Nov 2014 | 1:25 pm
    Here at Brunswick Plantation & Golf Resort, a coastal Carolina gated community, we believe Smart Spending is part of A Better Way of Life.  Want to save hundreds OR thousands? Take 5 minutes and read on to learn how in … Continue reading → The post Smart Spending Tips Monthly November 2014 by Brunswick Plantation Living appeared first on Brunswick Plantation Living.
  • Golf News from the Pro 11.14 by Brunswick Plantation Living

    Kevin Anderson
    18 Nov 2014 | 4:21 am
    Hello again Members and Property Owners,   Holiday Season. November is here and that means the Holidays are drawing near. October was a great month for golf with gorgeous weather and the first part of November has been pretty good … Continue reading → The post Golf News from the Pro 11.14 by Brunswick Plantation Living appeared first on Brunswick Plantation Living.
  • Coastal Living News and Events 11.14

    Bev
    15 Nov 2014 | 6:02 am
    Coastal Living is alive with Holiday Delights of all kinds…Festivals and  Celebrations for All Ages! Thanksgiving and Christmas are Near and Dear Holidays , as well as Hannukah and other Cherished Celebrations! Tis also the Season of giving and remembering … Continue reading → The post Coastal Living News and Events 11.14 appeared first on Brunswick Plantation Living.
  • Brunswick Plantation News and Events 11.14

    Bev
    15 Nov 2014 | 5:49 am
    Brunswick Plantation and Golf Resort ® has a variety of special activities offered in our dynamic , gated community…Thanks to our wonderful  friends and neighbors  who promote and coordinate them! We are a community that works together for the benefit … Continue reading → The post Brunswick Plantation News and Events 11.14 appeared first on Brunswick Plantation Living.
 
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    Retirement And Good Living

  • An Unconventional Retirement Plan

    Jodee Gravel
    24 Nov 2014 | 7:21 am
    Retirement means different things to different people. For some it is timed around the final mortgage payment, for others it is a birthday on the calendar. Some head for a condo in a warmer climate, some even move to another country that will stretch limited retirement funds.   For us it means selling the house, ...more
  • Naturally Beautiful Vancouver

    Alison Armstrong
    20 Nov 2014 | 4:23 am
    The city of Vancouver is relatively small with only about 600,000 people. On the other hand Greater Vancouver, more commonly known as the Lower Mainland, has a population of 2.5 million. It includes, among others, the contiguous cities of Burnaby, Richmond, Surrey, New Westminster, and Coquitlam, and across the harbour North Vancouver and West Vancouver. ...more
  • Writing After Retirement

    Carol Smallwood
    18 Nov 2014 | 7:54 am
    “Live first, write afterwards.” “If I Only Knew….” Glimpses & Reflections John Galsworthy 1937 London, Toronto William Heineman   Multitasking and mobile technology, efforts to save time and get more work done, don’t leave much time to mull things over which is crucial for writers: we need time to daydream, drive without talking on phones. ...more
  • Benefits of reducing inflammation as you age

    Joanne Turner PhD
    16 Nov 2014 | 7:54 pm
    As we grow older changes occur in our cells and tissues, and these changes can impact how our immune system works. One change that occurs over time as we age has recently been called inflammaging. Inflammaging is described as an age-associated increase in the amount of molecules in our blood that either cause inflammation, or ...more
  • Take Your 15 Minutes of Fame

    Barbara Morris R.Ph.
    13 Nov 2014 | 4:05 am
    At age 60 I was a contestant in a Ms. Senior America competition. I knew my chances of winning were slim because among other deficits, I do not sing, dance, twirl a baton or recite poetry. When I shared my shortcomings with the pageant director, she suggested I take acting lessons to acquire some stage ...more
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    A Satisfying Retirement - Is a Lifestyle You Choose

  • 2014: What Do We Have To Be Thankful About?

    Bob Lowry
    25 Nov 2014 | 1:00 am
    If you spend enough time with social media, cable TV news channels, newspapers, or on the Internet, the title of this post seems like a reasonable question. Between the mess that is the Mideast, Ebola, political dysfunction, and the general tension of 21st century living, Thanksgiving may seem like an anachronism: a pleasant idea that lives on more in memory than reality.I disagree.  In America we have survived yet another election cycle with all the drama and cynicism that implies. The results were not pleasing to many, full of joy for others. But, we all woke up on November 5th,…
  • Retirement and The Middle Class: Still Possible?

    Bob Lowry
    21 Nov 2014 | 1:00 am
    First published three years ago, the discussion about the fate of the American middle class and the growing economic inequality in this country has not gone away, in fact it has intensified. I'd welcome your thoughtful comment on this issue.There has been a lot written recently about the decline, if not outright disappearance, of the middle class in many countries around the world. The original premise was that hard work and perseverance would result in a comfortable lifestyle and a satisfying retirement. That vision included decent retirement funds, health care coverage…
  • Is College Always The Right Choice For Our Grandchildren?

    Bob Lowry
    18 Nov 2014 | 1:00 am
    Not long ago I was contacted by a fellow who works for an Internet training company. The CEO had just posed a provocative question on their web site. The question asked was whether a college education is worth the money. Is there enough of a return on the investment of tens of thousands, maybe even hundreds of thousands of dollars for everyone who goes?The author, Dave Dunn, cited figures that projected the costs of sending his three children to private colleges several years into the future. The totals were over $1,000,000. He used that million dollar figure to raise the issue. Aside…
 
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    Early Retirement Extreme

  • The first step out of consumerism

    Jacob
    26 Nov 2014 | 8:59 pm
    For someone addicted to buying stuff as a source of satisfaction going cold turkey on the buying habit, like I did, is not recommended. Indeed, you either need a strong will or a great support network. Instead I think a solution which works brilliantly as a first step is to buy all your things used(*). (*) I have the following exceptions: Underwear, socks, footwear, safety equipment and things which I have not managed to acquire in a used condition after several months of trying (usually rare books and tools). Buying used has the following consequences It sets up a consumption barrier. Since…
  • Scientists vs engineers, a postmodern perspective

    Jacob
    26 Nov 2014 | 8:55 am
    The goal of this blog is not so much to give you tips to retire early. Retiring early is very simple, it is not rocket science. I sometimes get letters from people which say things like, and I paraphrase, “I recently found ERE. I’m writing to tell you that I did something similar 15 years ago (before ERE existed) and it’s been a blast.” This means that what’s really required to retire (meaning become financially independent to avoid having to work for money to pay bills) early is not “tips” but the ability to think critically and think…
  • Slaying the “I might need it someday”-monster

    Jacob
    25 Nov 2014 | 8:54 pm
    The following was a consequence not so much of a brilliant insight but more of external circumstances. When we moved into the RV, we obviously didn’t have a lot of space(*), so many things were packed into moving boxes and stored outside in the garden shed. (*) Although I think if we put everything in the RV in boxes, we’d still end up with quite a few. We figured, it would be easy to go out and get something in case we needed it. Surprise, surprise, this rarely happens, because it’s simply too much of a hassle to go dig up that esoteric/useless gadget when other solutions…
  • My top 5 tips to becoming an extreme early retirement expert

    Jacob
    25 Nov 2014 | 8:51 am
    I am not really a big fan of lists of tips of “small actionable steps”. While fun, at least as long as they’re short, I don’t find such lists very helpful(*), mostly because they either list things I’m already doing (turn the light off hen you leave the room) or things that do not apply (clip coupons). The tips I enjoy the most are the “maybe you should look into this”-type of tips. Pointers that would require some research on my part but which I would not otherwise have thought of myself in a million years or maybe two or three years anyway . (*) I…
  • Optimizing blogging with S-curves

    Jacob
    24 Nov 2014 | 8:47 pm
    Blogging has no threshold to get started. There is no need for a degree to apply, nor is advancement determined by “unionized” seniority. This means that there is little initial investment needed to get started in terms of time and money. In fact, it is possible to start a new blog right here right now in about 10 minutes. It also means that growth is solely determined by your own efforts and skills rather than management decisions, pedigree, or a preset corporate career track. Thomas recently asked me about how S-curves apply to pro-blogging. Making money with a blog usually…
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    Retirement: A Full-Time Job

  • Fifty is the New 28

    Retired Syd
    5 Nov 2014 | 4:52 pm
    (Photo Details:  Sydney turning 50 in Hawaii--December 2013) Ok, since we’ve already established that we retirees are at a higher risk of death from a falling injury than from Ebola, let’s do something proactive to reduce that risk.  The great thing is that anything you can do to increase your fitness level helps prevent injury from falls and helps reduce the risk of the even greater probability of heart disease. The thing is, we already know how to improve our fitness level.  We’ve got to get more exercise.  And that’s not fun for everyone.  So I’ve got some ideas on how to…
  • The Real Epidemic

    Retired Syd
    3 Nov 2014 | 10:21 am
    First, some perspective: -There have been nine cases of Ebola treated in the U.S. so far.  -In six of the nine cases, the patients contracted the virus in their line of work-- working with Ebola patients in West Africa.  -The only two to have contracted the disease in the U.S were nurses treating Thomas Duncan--the Liberian man who came to the U.S. having already been infected with the virus. -The only Ebola patient in the U.S. that has died from the virus was Mr. Duncan, who was incorrectly diagnosed when he first sought treatment at an emergency room in Dallas, and was sent home.  (It is…
  • Permission to Bail on That

    Retired Syd
    15 Oct 2014 | 8:41 pm
    Talk to any person that’s been retired for awhile and they’ll tell you they are so busy they don’t even know how they used to find time for work. But isn’t that part of the reason we wanted to retire in the first place—so we wouldn’t be so busy?  Well it was for me. I’ve got piano practice, two volunteer jobs, and friends to socialize with.  I’ve got houses to clean, gardens to garden and exercise to fit in.  I’ve got books to read, blog posts to post, and TV shows to binge watch.  And while most of these things are things I really want to do, sometimes it feels like too…
  • Back to Blogging

    Retired Syd
    10 Oct 2014 | 3:18 pm
    Wow, it sure has been a long time since I’ve checked in with you all!  I promised Diane C. that I would resume postings today, thanks for the nudge Diane--and thanks to all you others for your nice emails. While I haven’t been posting on my blog recently, I have been busy with interviews for other publications.  I did an interview with Kiplinger’s Retirement Report (where you’ll also see Tom at Sightings at 60), a podcast (sorry no link yet), and another interview with Premier Reverse Mortgage. I’m always surprised how long conversations can be so condensed into articles from…
  • 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…
 
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    Oblivious Investor

  • Which Accounts Should I Spend from Each Year in Retirement?

    Mike
    24 Nov 2014 | 5:00 am
    A reader writes in, asking: “Sometime in one of your posts, would you expound upon the pros and cons of prioritizing your spending from taxable vs. tax-deferred accounts during retirement, factoring in how one’s heirs will fare inheriting whatever is left over from either type of account?” With regard to general planning about which account(s) to spend from per year, it’s easiest to start with a simplified analysis in which we assume that: You’ll be spending all of the money during your lifetime, and You have only Roth and tax-deferred accounts. If all you…
  • Investing Blog Roundup: Safety-First Retirement Planning

    Mike
    21 Nov 2014 | 5:00 am
    When it comes to retirement planning, there are two broad schools of thought about how to cover your expenses. One method is to continue using a portfolio that looks much like the portfolio somebody would use during their accumulation stage (i.e., stocks, bonds, and mutual funds), albeit with a more conservative allocation. The other school of thought – the “safety first” method — relies on a different set of tools, such as bond ladders and annuities. Elizabeth O’Brien of MarketWatch has more on the topic: Do You Need a ‘Safety-First’ Retirement…
  • Are Dividends More Important Than Price Appreciation?

    Mike
    17 Nov 2014 | 5:00 am
    A reader writes in, asking: “I’ve read that dividends account for the vast majority of the return of the stock market over history. I’m confused by the article you linked to last week about not being a dividend investor, given that dividends are so much more powerful than price growth.” It’s true that, without dividends, you’d experience only a small portion of the market’s overall return over an extended period. But the idea that dividends are more powerful than price appreciation is a significant misunderstanding. (Unfortunately, I’ve seen…
  • Investing Blog Roundup: Is Long-Term Care Insurance Likely to Be Beneficial?

    Mike
    14 Nov 2014 | 5:00 am
    One of the toughest questions about retirement planning is the question of long-term care insurance. The available policies have an assortment of drawbacks, and they’re expensive. On the flip side, needing to pay for an extended period of long-term care out of pocket would decimate many people’s savings. This week, a new paper from two professors and two researchers at the Center for Retirement Research at Boston College takes a look at what percentage of people are likely to benefit from purchasing such insurance: Long-Term Care: How Big A Risk? from Leora Friedberg, Wenliang…
  • Why Bother with Social Security Break-Even Calculations?

    Mike
    10 Nov 2014 | 5:00 am
    Broadly speaking, there are two general ways to assess the Social Security decision: You can look at it as an insurance question (i.e., do I want to buy insurance against longevity risk), or You can do a break-even analysis (i.e., how long do I have to live before I come out ahead as a result of delaying benefits). An argument I’m seeing more and more often in financial publications is that it’s a mistake to even bother with a break-even analysis and that people should instead look at the question solely from the insurance perspective. From the insurance perspective, delaying…
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    Getting Your Financial Ducks In A Row

  • Year-End Charitable Giving Tips

    jblankenship
    26 Nov 2014 | 5:06 am
    The end of the year, especially around the holidays, is a time when many folks’ thoughts turn to charitable giving. Many opportunities present themselves, from the gentleman with the bell and the red kettle to our local food and coat drives. With this in mind, the IRS recently published their Special Edition Tax Tip 2014-13 which details six tips for charitable giving. The actual text of the Tip is listed below. In addition to those tips, I’ll offer one more: if you are interested in utilizing the Qualified Charitable Distribution option from your IRA – presently this option has not…
  • An IRA Owner’s Manual 2nd Edition Published

    jblankenship
    24 Nov 2014 | 5:45 am
    Introduction of the 2nd Edition of An IRA Owner’s Manual, published November, 2014. Resources: Blog – www.FinancialDucksInARow.com Book – www.IRAOwnersManual.com Buy the book – paperback or Kindle Post originally appeared as An IRA Owner’s Manual 2nd Edition Published on Getting Your Financial Ducks In A Row The post An IRA Owner’s Manual 2nd Edition Published appeared first on Getting Your Financial Ducks In A Row. Related posts: Your Turn! Review of 2010 Stats How a Spouse Can Stretch an Inherited IRA
  • An End of Year Financial Checklist

    sraskie
    21 Nov 2014 | 5:00 am
    Image courtesy of nuchylee at FreeDigitalPhotos.net It’s hard to imagine but another year is almost over. Soon, 2014 will make way for 2015. As you prepare for the end of the year here are some good tips to keep in mind before January 1st. Have you put as much as you can into your 401k, 403b or other employer sponsored plan? If you’re expecting a bonus, consider saving some or all of it to your plan. Did you get a raise? If you got raise, did you remember to give yourself a raise in your retirement savings? Many folks find that it’s easy to save raises automatically in their 401k and…
  • Fixing Social Security

    jblankenship
    19 Nov 2014 | 5:52 am
    For quite a while now we’ve been reading the reports from the Social Security Administration’s reviews of the status of the trust fund – where the prediction is that we’ll end up in the year 2033 with only enough money to pay 77¢ on the dollar of the promised benefits from Social Security. So far this revelation has not resulted in policymakers’ taking any actual steps to fix things, but sometime someone has to act. What can be done about fixing Social Security? What Can We Do About Fixing Social Security? As future recipients of benefits, we have some actions we can take to reduce…
  • Safety with an Emergency Fund

    jblankenship
    17 Nov 2014 | 5:37 am
    Today’s message is about Safety – but not things like “don’t run with scissors” or “wait a half hour after eating to go swimming”. What we’re referring to is the old concept of having an emergency fund. The primary thing that you should take away from this Safety discussion is Peace Of Mind. An emergency fund is a vital component of your overall financial toolkit. You should have 3 to 6 months’ worth of expenses set aside in a liquid, stable account, such as a bank passbook savings account or a money market account. By “liquid”…
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    Personalincome.org

  • 8 Creative Side Hustles to Bring in Extra Money

    Sarah Brooks
    26 Nov 2014 | 7:57 am
    If you really want to make extra money, you will figure out a way to do it. Before I get into creative side hustle ideas, I’d like to provide a few words of wisdom. Make extra money by doing what you love. You’ll notice below that one of the ways to bring in extra income is to downsize and sell some of your stuff. If you love all of your stuff and don’t want to get rid of it, that’s obviously not the idea for you! If you love kids, for example, maybe the perfect side hustle for you is babysitting once a week. You have to find something you love to do in order for it to work.
  • 15 Routines Successful People Do Every Single Morning

    Kevin Mercadante
    24 Nov 2014 | 6:28 am
    If you study a successful person, you will likely have found someone who has a well established morning routine that helps them to have a productive day every day. That isn’t just a good habit either – the way you start your morning has a definite impact on how the entire day goes. By creating routines that force you to discipline yourself to do certain necessary tasks each day, you can practically become successful by default. As the saying goes, a journey of a thousand miles begins with a single step. And that’s exactly what each morning is. Here are 15 routines successful people do…
  • Stockpair Review

    Kevin Mercadante
    22 Nov 2014 | 11:47 am
    Stockpair is a web-based binary options and pair options trading platform. It is an innovative and world leading platform, built around a patent-pending pricing engine that enables accurate, real time pricing, and a visual interface that offers a unique inter-active trading experience. What is Stockpair? Stockpair is licensed by the European Union and regulated by the Cyprus Securities and Exchange Commission. It is a unit of international financial services company Nextrade Worldwide Ltd. The company’s aim is to provide a trading platform for customers from many countries, and with all…
  • Lessons Learned from Paying Off Over $50,000 in Debt

    Gina Horkey
    21 Nov 2014 | 1:30 am
    Is one of your goals to be debt free? If not, it should be! The numbers vary greatly when it comes to the average amount of credit card debt per American household. I’m here to argue that any amount of (revolving) credit card debt is too much! I’ve been there, in fact it wasn’t too long ago that my husband and I had a credit card balance of $10,000 – and that was after we had worked hard to get it paid down! We were your typical American newlywed couple, that spent beyond our means and banked on the fact that our income or house value would rise to meet the occasion. Only…
  • Insuring Your Jewelry Makes Sound Financial Sense

    Donny Gamble
    19 Nov 2014 | 6:43 am
    Your jewelry says a lot about you and the special moments in life that each piece symbolizes, and it’s important to make plans to safeguard your precious investments. Imagine all of the things you own: maybe a car electronics possibly a home. If you recently got engaged, your ring may be one of your most valuable assets (especially if you don’t own a home). Since your car and electronics are most likely insured, it makes sense to get your valuable jewelry insured as well. And did you know that approximately 40 percent of U.S. households that own an engagement ring do not have insurance to…
 
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    Florida Retirement Plan

  • The Perfect Investment Portfolio

    Gardner Sherrill
    19 Nov 2014 | 9:48 am
    Published in Bradenton Herald: November 16 By GARDNER SHERRILL |Investor’s Column What would the perfect investment portfolio look like? On a scale of 1 – 10, I believe it would require high numbers in the following areas: The key ingredients: Read more
  • Weekly Market Commentary November 17, 2014

    Gardner Sherrill
    17 Nov 2014 | 9:23 am
    The Markets “Is all this stock market optimism a red flag?” Read more
  • Family Business Dynamics

    Gardner Sherrill
    14 Nov 2014 | 9:14 am
    Let’s hear it for family businesses! Family-owned and family-controlled businesses are a pretty important part of the global economy. McKinsey & Company recently noted: Read more
  • Weekly Market Commentary November 10, 2014

    Gardner Sherrill
    10 Nov 2014 | 1:09 pm
    The Markets Is it a melt-up? Read more
  • What is Deflation

    Gardner Sherrill
    7 Nov 2014 | 6:19 am
    Why are people worrying about deflation? Deflation is a general decline in prices. For anyone who has been struggling to make ends meet that may not sound all bad. In fact, it’s not always bad. According to the Federal Reserve Bank of St. Louis, between 1876 and 1879, prices in the United States fell byRead more
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    Live My Retirement

  • Spending Thanksgiving Alone

    Life adventurer
    23 Nov 2014 | 3:35 pm
    livemyretirement.com Well the Holiday season is upon us once again. The Fall colors are out, the weather is cooler and the rituals of Thanksgiving and Christmas right around the corner. If you are spending Thanksgiving alone this year, don’t be afraid, in fact take the day for what it’s intended to be: a day of thanks. Thanksgiving Alone Alone on Thanksgiving, Not such a Bad Thing More and more Americans are spending Thanksgiving alone, and being retired you may be even more likely to spend it alone, especially if you are financially constrained or a spouse has passed, with your…
  • Finding new purpose

    annyb44
    23 Nov 2014 | 1:39 pm
    livemyretirement.com Retirement is a door opening after another one closes.  Over the last few years. My husband and I have had wonderful opportunities for travel. He was president of two large national educational groups and travel for his leadership often included visiting cities of large school populations coming together to formulate educational strategies.  I view this as practicing for retirement which is all about finding new purpose. Finding New Purpose               A new world of possibilties We would dream at each city what retirement will look…
  • Life Changes are Good

    Life adventurer
    20 Nov 2014 | 5:29 pm
    livemyretirement.com Who would have thought that after all of our years on earth, we still struggle with making the right decisions? The best decision for us, in the short term but more importantly in the long term. We grew up learning our ways on how to make the decision and the fallout of those decisions (both the mistakes and good). And as we grew older we felt more confident in our decision making, we knew what was right and what was wrong – job, career, family, faith, relationships. But then you are faced with a decision that you are not sure what to do as with all of your history…
  • Live In The Moment Books

    annyb44
    17 Nov 2014 | 8:28 am
    livemyretirement.com For those of you who either love to read or are taking it up now that you have more time and don’t want to vegetate in front of tv football games, I read a book a few years back. Here are are few personal thoughts about live in the moment books. Live the Moment A good book can be just the cure for a dull day Eckhart Tolle, spiritual guru published “a rare earth”. Yes, like Rare Earth that band from the seventies. Eckhart Tolle “I just wanna celebrate”. Get it?  Get off that couch and find a book that you embrace. Move enjoy,  and that is…
  • Experience Counts in Retirement

    annyb44
    17 Nov 2014 | 7:57 am
    livemyretirement.com Let’s face it, experience counts in retirement! Thinking about life as a kindergartner, the more experiences a child has before this first official entrance to  formal education, the sooner they get to learn. Social skills, reading readiness, understanding how to follow rules or directions, how to pay attention. All these things give us a jump start to learning. If you already know some skills, your energy levels can focus on adding new concepts. Retirement requires constant focus on what’s important. Now let’s consider how important this is to an aging…
 
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