Retirement

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  • 3 (More) Pervasive Retirement Myths - an Academic Perspective

    Data "Points"
    11 Apr 2015 | 3:30 am
    Last week I highlighted three “myths” about the retirement system that will not die — all the more distressing because they are perpetuated by retirement industry pundits. Here are three more that (mostly) aren’t perpetuated by those who actually work with retirement plans, but by academics.  Academics who, sadly, are often listened to, and cited by those who regulate and legislate these programs.The Match Doesn’t MatterThis doubtless comes as a surprise to those of us who work with retirement plans and retirement plan participants. More precisely, there are a few studies out…
  • May’s Online Class: The Key to Retirement Success

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

    FutureAdvisor Blog
    Robert Shaye
    25 Mar 2015 | 12:44 pm
    On April 15th, the window for prior year IRA contributions will close for good. Have you already maxed out your 2014 Traditional or Roth IRA with $5,500? (or $6,500 for those 50 and over.)  Or, are you receiving a tax refund and wondering how to invest it?  Here at FutureAdvisor, we have your back.  Retirement planning is surprisingly similar to kids’ books: you have to choose your own adventure.  Here are the choices: You have already maxed your 2014 IRA: Nice work! Now read this article on why maxing out your 2015 IRA is smart. You think Ira is one of your grandmother’s cribbage…
  • Golf News from the Pro 4.15 by Brunswick Plantation Living

    Brunswick Plantation Living
    admin
    15 Apr 2015 | 2:50 pm
    Hello to All: April is here and so is the Spring weather. The golf course is greening up and is busy with play.  My staff and I are excited to see all of you each day playing golf. Our pro-shop … Continue reading → The post Golf News from the Pro 4.15 by Brunswick Plantation Living appeared first on Brunswick Plantation Living.
  • Never for me the lowered banner – never the last endeavour

    Retirement And Good Living
    Gordon Kinghorn
    14 Apr 2015 | 6:43 am
    “Never for me the lowered banner – never the last endeavour” – Sir Ernest Shackleton   Despite my near sixty-five years on Mother Earth, I have in recent times, strived to side-step all issues pertaining to one’s encroaching antiquity, largely through maintaining an active lifestyle via the golf course and local gymnasium – and then ...more
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    Data "Points"

  • 3 (More) Pervasive Retirement Myths - an Academic Perspective

    11 Apr 2015 | 3:30 am
    Last week I highlighted three “myths” about the retirement system that will not die — all the more distressing because they are perpetuated by retirement industry pundits. Here are three more that (mostly) aren’t perpetuated by those who actually work with retirement plans, but by academics.  Academics who, sadly, are often listened to, and cited by those who regulate and legislate these programs.The Match Doesn’t MatterThis doubtless comes as a surprise to those of us who work with retirement plans and retirement plan participants. More precisely, there are a few studies out…
  • 3 Pervasive Retirement Industry Myths

    4 Apr 2015 | 8:51 pm
    Ours is a complex and complicated business — constantly changing and evolving. And yet, there are key fallacies about today’s retirement system — and how it compares with what used to be — that will not go away.Back in the good old days being “covered” by a pension plan meant you would actually get a full pension benefit.We’re routinely told that “once upon a time” individuals used to work for a single employer their entire career, and that most of those workers were “covered by a workplace retirement plan, frequently a defined benefit pension.”While defined benefit…
  • At Long Last, Retirement Confidence Surges

    1 Apr 2015 | 4:30 am
    New nonpartisan data has uncovered a major uptick in retirement confidence, as millions of Americans with access to workplace retirement plans finally took advantage of the wide array of resources long available to them.Those tools included the use of online calculators and the help of plan advisors. “I was always too busy to take advantage of these resources,” noted survey participant Jack V. Copeland. “Frankly, with all the negative coverage about retirement shortfalls and such, I didn’t see much point.”Not that the new research, published by the Oxford Newfound Institute of…
  • The Gaps in Retirement Savings "Gaps"

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

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

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

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

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

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

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

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

  • IRA Window Closing Fast

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

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

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

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

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

  • Golf News from the Pro 4.15 by Brunswick Plantation Living

    admin
    15 Apr 2015 | 2:50 pm
    Hello to All: April is here and so is the Spring weather. The golf course is greening up and is busy with play.  My staff and I are excited to see all of you each day playing golf. Our pro-shop … Continue reading → The post Golf News from the Pro 4.15 by Brunswick Plantation Living appeared first on Brunswick Plantation Living.
  • Coastal Living News and Events 4.15

    Bev
    15 Apr 2015 | 1:40 am
    Spring is in the Air…Time for walking on the beach, under sunny skies, with the fresh tang of sea air floating gently through your hair! Folks at Brunswick Plantation and Golf Resort ® know this scene well! Sunset Beach is … Continue reading → The post Coastal Living News and Events 4.15 appeared first on Brunswick Plantation Living.
  • Brunswick Plantation News and Events 4.15

    Bev
    15 Apr 2015 | 1:30 am
    Brunswick Plantation and Golf Resort ® is always alive with activity…Here and Near our lovely gated community! This Spring Season offers more for you to See and Do…With Friends and Neighbors! Enjoy!   Sausage & Peppers Event…Hosted By:  Brunswick Plantation Social … Continue reading → The post Brunswick Plantation News and Events 4.15 appeared first on Brunswick Plantation Living.
  • Movement Works…The Joy of Movement and Stillness

    Bev
    9 Apr 2015 | 10:34 am
      Everyone wants to feel good and move well…As Time Goes By! That is why Fun with Fitness is such an important way to live each day! Folks at Brunswick Plantation and Golf Resort ® agree! Fitness is Fun with … Continue reading → The post Movement Works…The Joy of Movement and Stillness appeared first on Brunswick Plantation Living.
  • New York Style Bagels…Now “Bagel Docked” By the Calabash Waterfront

    Bev
    2 Apr 2015 | 5:30 am
    Calabash, NC  is a great place to live and visit in Coastal Carolina! Folks at Brunswick Plantation and Golf Resort ® know what a great location it is to call home! It has it’s own Historic Waterfront with opportunities for … Continue reading → The post New York Style Bagels…Now “Bagel Docked” By the Calabash Waterfront appeared first on Brunswick Plantation Living.
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    Retirement And Good Living

  • Never for me the lowered banner – never the last endeavour

    Gordon Kinghorn
    14 Apr 2015 | 6:43 am
    “Never for me the lowered banner – never the last endeavour” – Sir Ernest Shackleton   Despite my near sixty-five years on Mother Earth, I have in recent times, strived to side-step all issues pertaining to one’s encroaching antiquity, largely through maintaining an active lifestyle via the golf course and local gymnasium – and then ...more
  • The Superstition Mountains

    Len Schritter
    5 Apr 2015 | 6:24 am
    I tipped my wine glass back and the Pinot Grigio flowed over my tongue and down my throat like pure spring water. My senses came alive as I sat my glass back down on the patio table and leaned back in my chair.   Diana’s voice pierced the stillness of the moment. “Beautiful evening isn’t ...more
  • Cherry Blossom Season Japan

    Rey Waters
    3 Apr 2015 | 7:29 am
    Sakura – Cherry Blossoms – Japan 2015   The end of March begins the Cherry Blossom season throughout Japan. (Okinawa starts in January) The blossoms are spectacular and only last for a few days. This is our windy rainy season and not long after the blossoms appear the wind creates a beautiful flowering carpet along ...more
  • Our Softball Family: Playing Senior Softball for Fun and Health

    Dr. Leon Speroff
    30 Mar 2015 | 2:17 pm
    On the day my oncologist told us I was in complete remission after treatment for my lymphoma, my wife turned to me and said, “Do you think you could have done this without softball?” There is no way to answer that question with certainty, but there are some things I do know.   In the ...more
  • The Truth About Aging

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

  • George Harrison and Me

    Bob Lowry
    19 Apr 2015 | 2:00 am
    I have seen Paul McCartney live in concert three times and Ringo Starr once. I was at a press conference with John Lennon (and Yoko). George Harrison is the only Beatle who I never was able to see in person. As the "quiet" Beatle he seemed to attract the least attention and made the fewest public appearances after the group officially disbanded in 1970.I am just finishing a fascinating biography of George that has given me a new insight into the man and his life: his struggles, his demons, his genius and his humanity. It is one of those books that I do not want to end. "Behind The Locked…
  • Simple Living: What Does It Mean To Me (And You)?

    Bob Lowry
    15 Apr 2015 | 2:00 am
    Depending on the web site, blog, or books I check simple living can mean many different things, depending on who is doing the defining. It could mean getting rid of most of my belongings and keeping only the bare essentials, all while living in 300 square feet of housing. It can also mean having all the modern conveniences, but only buying what I need, not what I want. Am I living simply if I eliminate meat from my diet and only buy from a farmer's market so most of my food isn't shipped to me from 1500 miles away? Am I part of the movement if I set my thermostat at…
  • Medical Bills After Retirement: Be Prepared

    Bob Lowry
    11 Apr 2015 | 2:00 am
    It probably comes as no surprise that the number one concern of retirees is the unknown cost of on-going and future health issues. Even with Medicare, private insurance through a former employee, or some other way of paying for health costs, many of us are unprepared and in for a rude awakening over what lies ahead.Recent studies tell us that up to $300,000 in costs are very possible for those over age 65. Don't we assume that with Medicare, a Medigap policy, an Advantage option, and drug coverage that can't possibly be right? Unfortunately, the most expensive parts of our health costs…
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    Early Retirement Extreme

  • Personality psychology and early retirement resistance

    Jacob
    19 Apr 2015 | 1:29 am
    Personality psychology is a very fascinating topic to me because I find it explains everything about humans. In particular, most disagreements come down to different personality types. People have different ways of making decisions, different ways of understanding, different ways of organizing and different ways of relating to other people and these ways can all be grouped. If done so, it becomes clear that some people are quite similar to other people in the same group yet significantly different from people in other groups. This is similar to how cars are similar to each other but different…
  • Corrupted personal finance word of the day: Sacrifice

    Jacob
    18 Apr 2015 | 1:24 pm
    If words are corrupt, thinking is corrupted too. Hence, if you can change the meaning of an original word, you can change the way men think. I find this double-plus interesting. Recently, a new term has entered the field of personal finance: Sacrifice. Originally sacrifice means Giving something up to gain a better position. For instance, a chess piece can be sacrificed for a better position that leads to later material gain. However, lately sacrifice has come to mean Giving something up. Period. This has cut the original point of sacrificing out of the equation and thus the average man is…
  • Saying “NO” to fitting in

    Jacob
    18 Apr 2015 | 1:22 am
    And now for a guest post from a writer who needs no further introduction … Okay, it’s Trish from Simple in France. I could type you a grocery list hundreds of items long detailing all that my husband and I have said ‘no’ to as we’ve cut our expenses and our time commitments. The tangibles (gadgets, toys, clothes) that we didn’t collect. The experiences (vacations, cruises, dining out) that we don’t indulge in. Looking back on the six years we spent in California, however, what we really said ‘no’ to was fitting into the consumer culture around us. Going against the…
  • Using baking soda for brushing teeth

    Jacob
    17 Apr 2015 | 1:17 pm
    I have started to use baking soda to brush my teeth (again). I don’t do this to save money on toothpaste, which is cheap and often free thanks to the lunacy of coupon clipping (this is the only place where we do this). Rather, I do it to save money on the dentist, who is evil and sadistic. For someone who is contemplating skipping dental insurance, this becomes a concern. Baking soda raises the pH (I knew that) while bacteria in the mouth creates acid (low pH) as a byproduct (I knew that) which destroys the enamel (I knew that too). I just did not put those things together and thought…
  • The engineering triangle of financial independence

    Jacob
    17 Apr 2015 | 1:12 am
    The engineering triangle is a constraint model that says that for any project you wish to design, you can pick any two of the following but only two: cheap, fast, good. It is widely applicable. This means, that if you want cheap and fast, it’s not going to be good. If you want cheap and good, it’s going to take a long time. And if you want fast and good, it’s going to cost you. The engineering triangle provides a nice perspective on what separates ERE from other lifestyle designs. ERE is fast and good. With ERE you will reach a position of robust financial stability within…
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    Oblivious Investor

  • Investing Blog Roundup: Why Did My Share Price Fall?

    Mike
    17 Apr 2015 | 5:00 am
    One of the most common questions I see (both via email and on the Bogleheads forum) is why the share price of a given fund went down unexpectedly — perhaps even on a day when the market is up. This week, Vanguard provides a clear answer to that question: Why Your Share Price Can Go Down When the Market Is Up from Vanguard Investing Articles How to Tell if Retirement Income Funds Are Right For You from Robert Powell Stocks for Retirement from Wade Pfau Random Ponderings on Investments from Jim Dahle Why You Should Consider a Roth Conversion from Allan Roth Do a Retirement Dress…
  • 9 Good Reasons for Claiming Social Security Early

    Mike
    13 Apr 2015 | 5:00 am
    There’s been quite a bit of talk over the last few years about the fact that most people should wait to claim Social Security, if they can afford to do so. And that’s true, for two reasons: Waiting to claim Social Security reduces risk, because it is a decision that works out best in the most financially scary scenarios (in which you live a very long time and therefore have to fund a very long retirement). Waiting to claim Social Security maximizes spendable dollars, in most cases. (That is, with inflation-adjusted interest rates as low as they are right now, for more than…
  • Investing Blog Roundup: Do You Have a Portfolio or Investment Collection?

    Mike
    10 Apr 2015 | 5:00 am
    This week, Jim Dahle addresses an exceedingly common investment mistake: having a portfolio that’s really just a collection of investments that you’ve accumulated over the years — as opposed to an actual portfolio with a coherent strategy. Avoid Being an Investment Collector from Jim Dahle Investing Articles Measure for Measure, Index Funds Rule from Jeff Sommer What the Future of Indexing Might Look Like from Michael Kitces 4 Retirement Mistakes That Can Cost You $250,000 or More from Walter Updegrave Other Money-Related Articles Deciphering Misleading Financial Aid…
  • When Is the Best Time of Year for a Roth Conversion?

    Mike
    6 Apr 2015 | 5:00 am
    A reader writes in, asking: “Is there a time of a year when it’s best to do a Roth conversion? Perhaps close to the year end such that a person can estimate their income/AGI, or whenever the market is down in order to make the cost of conversion lower?” If you have a high tolerance for hassle, doing a conversion ASAP at the beginning of the year is often the best strategy, because you can just change your mind later (up until the due date of your tax return) via “recharacterization” if you don’t like the results. For example, you could recharacterize if:…
  • Investing Blog Roundup: Ben Bernanke the Blogger

    Mike
    3 Apr 2015 | 5:00 am
    Whether you are in favor of or opposed to the actions he took during his term as Chairman of the Federal Reserve, there’s no denying that Ben Bernanke is one of the most prominent figures in the financial world. I learned this week that Bernanke recently started blogging on the Brookings Institution website. His first topic: why interest rates are so low. (As a heads-up: The reading is somewhat more technical than you’d normally find here on the blog.) Why Are Interest Rates So Low? Why Are Interest Rates So Low, Part 2: Secular stagnation Why Are Interest Rates So Low, Part…
 
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    Getting Your Financial Ducks In A Row

  • What to Do if You’re a Victim of Tax Fraud

    jim@blankenshipfinancial.com (Jim Blankenship)
    17 Apr 2015 | 5:00 am
    Hopefully this will never happen to you but in the unfortunate event you become of victim of tax fraud there are some steps that you can take to help alleviate the concern that someone has stolen your identity to file a fraudulent tax return in order to receive the refund. Generally, the first sign of fraud appears when you try to file our return electronically. Most e-file providers receive acknowledgements from the IRS that the return was successfully e-filed. If a return is rejected, a code will return with the rejection indicating what the issue is. For example, a sign of fraud will…
  • When is Your Social Security Birthday?

    jim@blankenshipfinancial.com (Jim Blankenship)
    15 Apr 2015 | 5:30 am
    Image by freakgirl via Flickr As you’re nearing the point when you intend to receive your Social Security benefits, it may occur to you to question just when do these milestones take effect?  Just when are you considered first eligible for benefits, when are you at Full Retirement Age, and when have you reached the maximum age? When is your Social Security birthday? (it’s not when you think) For Social Security age purposes, the month of your birthdate is important – but that’s not the date at which you reach the milestone.  It’s actually the month after your birthday, the…
  • File an Extension if You Don’t Have All Your Information

    jim@blankenshipfinancial.com (Jim Blankenship)
    13 Apr 2015 | 5:07 am
    Photo courtesy of Joshua Earle via Unsplash.com. If you find yourself without all of the information to file your tax return on time, or if you just haven’t got the time to fill out the forms, you can always file for an extension of time to file.  This is an automatic extension of six months – to October 15 in most cases. This is only an extension of the time to file your return, not an extension of the time to pay any tax due.  You should send the tax due (your estimate of course) by April 15. In an earlier article, we covered the fact that you should file your tax return on time,…
  • Life Cycle Finance Theory

    jim@blankenshipfinancial.com (Jim Blankenship)
    10 Apr 2015 | 5:00 am
    This is an excellent video on one approach to thinking about retirement. Dr. Wade Pfau and Professor David Littell of The American College of Financial Services lead the discussion. Post originally appeared as Life Cycle Finance Theory on Getting Your Financial Ducks In A Row The post Life Cycle Finance Theory appeared first on Getting Your Financial Ducks In A Row. Related posts: Life Insurance is Not an Investment Book Review: Low Fee Socially Responsible Investing – Investing in your worldview on your terms A Note About Designations
  • File your tax return on time, even if you can’t pay

    jim@blankenshipfinancial.com (Jim Blankenship)
    8 Apr 2015 | 5:21 am
    So you’re up against the deadline for filing your taxes, and when you run the final numbers you discover that you’re going to have to pay a boatload of tax. Panic-stricken, you look at your bank account and see single digits, and there’s nowhere near enough left over on payday to make the tax payment. What should you do? Go ahead and file your tax return on time, even if you can’t pay. If you have all of the information to file a correct tax return on time, you will avoid penalties for not filing. You’ll still have penalties for not paying on time, but at least you’re not…
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    Personalincome.org

  • Self-Employment: Are you Ready to Make the Leap?

    Chris Bibey
    14 Apr 2015 | 10:01 am
    According to a 2014 report from the Bureau of Labor Statistics, there are approximately 14.4 million self-employed workers in the United States. There are millions of people who have successfully made the leap into the “self-employment pool.” At the same time, there are just as many, if not more, who are thinking about doing so in the near future. There are a few things you should do before you make this change. The life of a self-employed professional may sound glamorous, but there are pitfalls to be aware of as well. Here are five points to consider before making this move: 1. An idea…
  • How to Save for Your Dream Vacation in 6 Months

    Connie Mei
    7 Apr 2015 | 7:05 am
    This winter has definitely been tough for those who live in a colder climate. Hence, vacation is probably on all our minds. Many of us are planning summer trips or winter getaways right now. If you haven’t already started saving for your big trip this year, it’s a good time to start. As we all know, vacations can be costly, especially if traveling internationally. It’s a good idea to start planning and saving at least 6 months out. Being proactive can definitely help you find better deals. Here’s a 6 month plan to help you save for your dream vacation: 6 Months Before: Pick a…
  • One Man’s Guide to Becoming a Millionaire

    Brian MacFarland
    31 Mar 2015 | 8:07 am
    This year I expect to join the 7-figure net worth club at the age of 39. My net worth is that close. I can taste it. When I get there, I won’t be the youngest person in the club. There are quite a few Silicon Valley CEOs 15 years younger than me who are worth 100 times more. However, I currently work part-time. My wife is expecting to retire in 5 years as well. Want to know how we did it? Read on. My Million Dollar Plan Planning is by far the most important thing. Throughout my 20’s, I maxed out my 401K and Roth IRAs. Even though I hadn’t met her yet, my wife did the same. Fifteen…
  • Borro Review – Loan Your Luxury Goods to Raise Capital

    Kevin Mercadante
    29 Mar 2015 | 12:54 pm
    If you’ve ever taken a loan through a pawnbroker, then you have the basic idea as to what Borro.com is all about. Better put however, is that Borro is a lender who makes loans on high-end luxury goods, and does so almost entirely online. About Borro.com Borro was founded in the UK in 2008, and subsequently opened offices in New York and California. The company offers short-term loans against luxury assets, such as jewelry, art, luxury cars, fine wine, and antiques. It is a privately held finance company, initially funded by European venture capital firms. Borro continues to get funds from…
  • Is Being a Woman Costing You Money?

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

  • Boomers are not the only game in town

    Gardner Sherrill
    17 Apr 2015 | 7:20 am
    ​It’s a millennial thing. Sure, you know China surpassed the United States to become the world’s largest economy, but did you know the millennial generation surpassed the baby boomers to become the largest generation here in America? According to Pew Research, there were about 75.3 million millennials (born from 1981 to 1997) at the end […] The post Boomers are not the only game in town appeared first on Florida Retirement Plan.
  • Weekly Market Update April 13, 2014

    Gardner Sherrill
    13 Apr 2015 | 7:08 am
    The Markets How much is one trillion? · If you waited one trillion seconds, it would take 31,688 years. · If you had a trillion dollars, and spent $10 million a day, it would take 273 years to go broke. · If you taped $100 bills end-to-end, you could wrap the earth 41 times with […] The post Weekly Market Update April 13, 2014 appeared first on Florida Retirement Plan.
  • Alternative Healthcare Payout Models

    Gardner Sherrill
    10 Apr 2015 | 6:20 am
    Healthcare? revolution? Really? We may be taking part in a revolution and not even realize it! The way healthcare is provided in the United States has been changing. In the past, Americans participated in fee-for-service healthcare. You might think of it as healthcare a la carte. Hospitals and doctors were reimbursed for each test and […] The post Alternative Healthcare Payout Models appeared first on Florida Retirement Plan.
  • When will Rates Rise?

    Gardner Sherrill
    9 Apr 2015 | 3:30 am
    When will the Federal Reserve begin to raise the federal funds rate? It’s a question that may affect U.S. markets more than any other during 2015. Last fall, Chicago Fed President Charles Evans noted:[1] “…Monetary policy does not presently face a conflict in goals; actions that support employment growth also help move inflation up toward […] The post When will Rates Rise? appeared first on Florida Retirement Plan.
  • Weekly Market Update April 6, 2015

    Gardner Sherrill
    6 Apr 2015 | 8:31 am
    ​ The Markets The global economy performed a bit like a Rube Goldberg contraption during the first quarter of 2015, although it’s doubtful many countries found humor as economic, financial, and political events triggered other economic, financial, and political events across the world. [...] The post Weekly Market Update April 6, 2015 appeared first on Florida Retirement Plan.
 
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    Bankrate.com » Retirement

  • Gov. Christie’s $500 billion solution

    Jennie Phipps
    15 Apr 2015 | 2:09 pm
    New Jersey Gov. Christie, putting his toe in the presidential waters, gave a speech offering 12 ways to put Social Security and Medicare on a sounder financial footing.
  • Go ahead, help your kids out

    Jennie Phipps
    15 Apr 2015 | 7:08 am
    Retirement adviser Mark Zoril says if you can afford it, don't feel guilty about helping your grown children.
  • Would you retire sooner if you could?

    Jennie Phipps
    14 Apr 2015 | 12:25 pm
    An insurance company hopes it might sell more annuities if people realized that these products could help them retire sooner.
  • Paying more for less LTC insurance

    Jennie Phipps
    13 Apr 2015 | 12:15 pm
    Long-term care insurance is pricier than it used to be as the cost of care has skyrocketed, but the industry is searching for a better answer.
  • Can a gate protect you from crime?

    Jennie Phipps
    9 Apr 2015 | 11:59 am
    Living in a gated community can help protect you from burglary, but it probably won't stop a crazed attacker.
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    Live My Retirement

  • Honey Salt Restaurant

    Life adventurer
    18 Apr 2015 | 11:44 am
    livemyretirement.com Have you ever found a restaurant that when you happen upon it, there is a sense of “oh this is going to be darn good!” Maybe it’s the aromas, the decor, the large amount of people enjoying their cuisine. Regardless of the sense you get, you do know it’s right when you show up! One such place that I recently had the immense culinary pleasure of enjoying while traveling to Las Vegas, NV was Honey Salt Restaurant. Honey Salt Restaurant Honey Salt Restaurant Experience I must admit that upon entering the Honey Salt establishment, I was somewhat weary…
  • Sedona Weekend Via the 89A

    Life adventurer
    5 Apr 2015 | 4:38 pm
    livemyretirement.com As Spring comes, it becomes the perfect time for a Sedona Weekend! In fact, as the weather begins to warm up in Phoenix, AZ Sedona and the surrounding areas offers a nice break from the heat, about a 20 degree break! So when the stresses of Spring start to come and you worry more about cleaning and getting your taxes done, head to the place known for it’s majestic feel! And en route maybe enjoy a journey or two from the surrounding towns as I did, which this little writing is all about – My Sedona Weekend via Page Springs, Arizona. Sedona Way of Paige…
  • La Grande Orange – Perfection in Phoenix

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

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

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

  • These Top 7 Powerful Tools Can Create Legacy Wealth from Real Estate

    Kirk Chisholm
    10 Apr 2015 | 8:00 am
    These Top 7 Powerful Tools Can Create Legacy Wealth from Real Estate “Buying real estate is not only the best way, the quickest way, the safest way, but the only way to become wealthy.”  - Marshall Field Marshall Field was an American Entrepreneur who lived in the 1800's. His quote was obviously made in an era before tech stocks, hedge funds and excess money printing by the Federal Reserve. However the principal of owning real estate to become wealthy still holds true. Real Estate is arguably the best asset class if you want to build enormous wealth. While you may have heard of real…
  • Inflation Monitor – March 2015

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

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

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

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

  • Ten Facts About Reverse Mortgages You Need to Know

    Michael Lazar
    17 Apr 2015 | 11:34 am
    Learning the facts about reverse mortgages before you levy the available equity in your home is smart thinking that can enable you to stay a step ahead. If you are of the age of 62-years-old, or older, and you have a majority of your mortgage balance paid off, you might be applicable for a reverse ... The post Ten Facts About Reverse Mortgages You Need to Know appeared first on Now It Counts | NiC Magazine.
  • The Ultimate Presidential Doppelganger – Lincoln-Kennedy Conspiracy Theory

    Michael Lazar
    17 Apr 2015 | 8:06 am
    It’s time for a political satire martini that’s stirred up (not shaken, sorry Mr. Bond) with a dash of irony, conspiracy theory and oddness. Because that’s exactly what you will find when I deliver to you the ultimate presidential doppelganger: The Lincoln-Kennedy Conspiracy Theory. We all very well know that life is subject to coincidences. ... The post The Ultimate Presidential Doppelganger – Lincoln-Kennedy Conspiracy Theory appeared first on Now It Counts | NiC Magazine.
  • Are You Ready For The Filipino Food Restaurant Movement?

    Buck Wargo
    17 Apr 2015 | 7:46 am
    Yes, it’s true: Filipino food is all the rage (or about to be). Filipino food: Are you ready or what? We’ve seen the food trends emerge in the US over the years from Chinese and Mexican and Japanese to Thai/Vietnamese and Cuban. What’s next on the food list that’s set to emerge and is expected ... The post Are You Ready For The Filipino Food Restaurant Movement? appeared first on Now It Counts | NiC Magazine.
  • GOP Candidates Swarm To So-Called ‘Liberal’ Media

    Richard Zombeck
    16 Apr 2015 | 10:07 am
    Rand Paul, Ted Cruz and Marco Rubio all get appropriately called out on legitimate media outlets by legitimate journalists. Typically, at least in the last decade or so, Republicans have avoided the press. They’ve remained aloof and distant from what they commonly refer to as the “Liberal Media” or what Sarah Palin and her ilk ... The post GOP Candidates Swarm To So-Called ‘Liberal’ Media appeared first on Now It Counts | NiC Magazine.
  • Why I’m Taking A Tax Hit On My 401(k) for Tax Free Real Estate Instead

    Michael Lazar
    16 Apr 2015 | 7:58 am
    What I am about to share with you is unconventional. Financial advisors would shun me for it. I am planning on taking a hit on the taxes on 401(k) so that I can cash it out early to buy a condo and benefit from the perks of tax free real estate later on. I’ll explain ... The post Why I’m Taking A Tax Hit On My 401(k) for Tax Free Real Estate Instead appeared first on Now It Counts | NiC Magazine.
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