Retirement

  • Most Topular Stories

  • New trick for Roth IRA savers

    Bankrate.com » Retirement
    Jennie Phipps
    21 Oct 2014 | 1:37 pm
    The IRS recently approved another way to get savings into a Roth via the back door.
  • Moving Targets

    Data "Points"
    11 Oct 2014 | 1:38 pm
    Before target-date funds were “cool” (or widely available), I had steered my mother toward an asset-allocation fund as a good place to invest her retirement plan rollover balance. The logic was, I thought, impeccable: A professional money manager would be keeping an eye on and rebalancing those investments on a regular basis. The fee was reasonable, and the portfolio was split about 60/40 between stocks and bonds, which also seemed reasonable in view of her investment horizon. From time to time Mom would call and ask if we needed to rebalance that investment — and I confidently assured…
  • The Key to Retirement Success – Online Class – Q&A

    Sensible Money - Scottsdale Financial Advisors
    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…
  • The United States of Apple: A State-­by­-State Analysis

    FutureAdvisor Blog
    Chris
    17 Oct 2014 | 3:00 am
    Apple and General Electric are by far the most popular stocks among US retail investors, a FutureAdvisor study of 161,000 investors shows. Apple was the most widely held stock in 45 states and the District of Columbia, and General Electric was the second­most in 30 states plus DC, the study shows. In three states Apple was no. 2, and in Wyoming, General Electric was no. 1. While Apple has the largest market capitalization among US companies, being popular among retail investors does not always follow. ExxonMobil, no. 2 for market cap, is 30th in popularity among retail investors covered by…
  • Coastal Living News And Events 10.14

    Brunswick Plantation Living
    Bev
    14 Oct 2014 | 5:58 pm
    Coastal Living in the Carolinas is good any time of year. Autumn is an awesome  season with many reasons to celebrate the Good Life at Brunswick Plantation and Golf Resort ! These are just a few ideas for places and … Continue reading → The post Coastal Living News And Events 10.14 appeared first on Brunswick Plantation Living.
  • add this feed to my.Alltop

    Data "Points"

  • Moving Targets

    11 Oct 2014 | 1:38 pm
    Before target-date funds were “cool” (or widely available), I had steered my mother toward an asset-allocation fund as a good place to invest her retirement plan rollover balance. The logic was, I thought, impeccable: A professional money manager would be keeping an eye on and rebalancing those investments on a regular basis. The fee was reasonable, and the portfolio was split about 60/40 between stocks and bonds, which also seemed reasonable in view of her investment horizon. From time to time Mom would call and ask if we needed to rebalance that investment — and I confidently assured…
  • Crisis "Centered"

    4 Oct 2014 | 1:53 pm
    Is there a retirement crisis or not?  Though you may have missed it, last week a Wall Street Journal op-ed (subscription required) claimed that there was an “imaginary” retirement income crisis that was being pushed by some who want to boost Social Security benefits and reduce tax incentives for saving (such as those available to 401(k) plan participants). In fact, authors Andrew Biggs and Syl Schieber claimed that the statistics relied on by the crisis were “vast overstatements, generated by methods that range from flawed to bogus.”Within a day, New School…
  • "Left" Overs?

    27 Sep 2014 | 2:23 pm
    I’ve never been big on leftovers. Now, I know that many relish the taste of cold pizza for breakfast, while others swear that a desirable marinating takes place during storage. As for me, no matter how good the original dish, and despite the wonders of microwaving, I have a hard time getting excited about sitting down to a meal comprised of things that (at least in some cases) weren’t good enough to finish the first time. When it comes to retirement savings, most still seem to “begin” with whatever is “left over” — after bills, living expenses, food and the like. Not that…
  • "Working" Capital

    12 Sep 2014 | 7:14 pm
    In response to concerns that tomorrow’s retirees will run short of money, we are often told to save more, to work longer, or — as often as not these days — to work longer and save more. Certainly working and saving longer can do wonders in terms of stretching your retirement nest egg.It should probably come as no surprise that American workers are expecting to work longer. The Retirement Confidence Survey notes that in 1991, just 11% of workers expected to retire after age 65. This year that was up to 33% of workers, and another 10% who said they don’t plan to retire at all.However,…
  • Under Covered

    5 Sep 2014 | 7:23 pm
    Have you heard this one? “Only about half of working Americans are covered by a workplace retirement plan.”Sure you have. It’s a statistic that is widely cited and reported, both in the mainstream press and on Capitol Hill. It comes from a reliable, objective source (the U.S. Census Bureau’s Current Population Survey) and conjures up a compelling need for action by advisors (and others) hoping and working to expand the availability of workplace retirement plans.In reviewing the Census Bureau data, the Employee Benefit Research Institute (EBRI) recently noted that, in 2011, 78.5…
 
  • add this feed to my.Alltop

    Sensible Money - Scottsdale Financial Advisors

  • 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…
  • November’s Online Class: The Secret to Finding the Perfect Investment

    Dana Anspach
    10 Oct 2014 | 6:42 pm
    November’s Class: The Secret to Finding the Perfect Investment In this free online investment class we’re going to cover basics like what is a stock, what is a bond, how mutual funds work, the difference between passive and active investing and much more. Then we’re going to look at this in light of the ongoing quest for the “perfect investment” and how you can use this info to design the perfect investment approach for you. This class will be live. It will run about one hour followed by questions and answers. It will be offered on a Tuesday evening. Specifics below.
  • 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…
  • Investment Sense – Short Term Memories

    Dana Anspach
    29 Jul 2014 | 8:43 am
    Index Returns Through June 30, 2014 The conference room was full with over 100 financial advisors in attendance. The speaker asked a simple question. What were two of the biggest items in the media in the last few years that all your clients were asking about? I guarantee many of you reading this asked us about these things – and considered moving your portfolio to cash – just in case. Can you remember? They were: Greece The Government Shutdown We fielded numerous questions about these things and spent a lot of time “talking people off the ledge” so to speak; meaning encouraging…
  • What Should a Retirement Withdrawal Plan Include?

    Dana Anspach
    20 May 2014 | 2:21 pm
    Retirement income planning involves knowing how much to pour each year, and out of what bottle. Imagine you are headed out on a hike. If it’s going to be a long hike, you’ll likely wear a Camelback and maybe even fill up a few extra bottles to take with you. This process of filling up your bottles represents the savings, or accumulation phase, of your financial life. Once retired, the process changes. Now you need to determine how much you can drink from each bottle, and over what time frame, to make sure you have enough to last throughout the adventure. This is the decumulation…
  • add this feed to my.Alltop

    FutureAdvisor Blog

  • The United States of Apple: A State-­by­-State Analysis

    Chris
    17 Oct 2014 | 3:00 am
    Apple and General Electric are by far the most popular stocks among US retail investors, a FutureAdvisor study of 161,000 investors shows. Apple was the most widely held stock in 45 states and the District of Columbia, and General Electric was the second­most in 30 states plus DC, the study shows. In three states Apple was no. 2, and in Wyoming, General Electric was no. 1. While Apple has the largest market capitalization among US companies, being popular among retail investors does not always follow. ExxonMobil, no. 2 for market cap, is 30th in popularity among retail investors covered by…
  • The Benefit Of Being a Long Term Investor

    Simon Moore
    29 Sep 2014 | 12:19 pm
    The S&P 500 since 1950 has fallen 47% of the time on a daily basis. That means that chance of the market rising or falling each day is a shade better than a coin toss. However, the market falls only 27% of the time on a 12 month, and only 7% of the time when you look at a rolling 10 year view. From a historical standpoint the chance of market decline reduce significantly as your time horizon lengthens. On a daily basis, all of us are really guessing as to how the market will do. Nonetheless, over the course of a decade, it’s surprising if stocks don’t rise in value. What looks almost…
  • Birth Control: A Twenty-Something’s Best Asset Class

    E.A. Mann
    16 Sep 2014 | 8:59 am
    Let’s say you’re a twenty-something with money to invest. Maybe you just started your first real job. Of course you’ll want to fund your 401(k), especially if there’s an employer match. You should open a Roth IRA. You may even want to start saving toward your first home purchase. But at the end of the day, your best performing investment might be your stock of birth control. It doesn’t have a ticker symbol and it doesn’t pay a quarterly dividend, but it insures against one of the biggest expenses a young person can incur: an unexpected child with an arbitrary partner. We know that…
  • Study: Uber Pulls Ahead of Lyft in Riders and Revenue With 12x Lead in U.S.

    Chris
    11 Sep 2014 | 6:00 am
    Uber has pulled ahead of Lyft in terms of revenue, riders, revenue per rider and absolute growth rates in the U.S., according to exclusive data from FutureAdvisor. Uber’s revenue was about 12 times Lyft’s for the 12 months until May 2014 in the US market, data tracking 3.8 million active credit and debit card users show. Those customers spent $28.6 million on Uber and Lyft for the period of June 2013 to May 2014. Of that, $26.4 million went to Uber and $2.2 million went to Lyft, the data show. During that same period, Uber provided more than 7 times the rides that Lyft did, and…
  • What Is Beta?

    Nicholas Pell
    2 Sep 2014 | 6:46 am
    The stock market is a good investment when taken as a whole; In any given period longer than three years, historically speaking, the chances are high that you’re going to come out on top, provided you invest in the whole market. Picking individual stocks, however, is much more risky. Enter beta. Beta is the coefficient used to measure the volatility and risk of a specific stock. The higher the beta coefficient, the greater the risk of investment. For example, treasury bonds have a very low beta, whereas stocks with prices all over the place have a very high beta. In practice this means that…
 
  • add this feed to my.Alltop

    Brunswick Plantation Living

  • Coastal Living News And Events 10.14

    Bev
    14 Oct 2014 | 5:58 pm
    Coastal Living in the Carolinas is good any time of year. Autumn is an awesome  season with many reasons to celebrate the Good Life at Brunswick Plantation and Golf Resort ! These are just a few ideas for places and … Continue reading → The post Coastal Living News And Events 10.14 appeared first on Brunswick Plantation Living.
  • Golf News from the Pro 10.14 by Brunswick Plantation Living

    Kevin Anderson
    14 Oct 2014 | 9:36 am
    Hello again Members and Property Owners, Fall Golf Season: is here and that brings us great weather and wonderful playing conditions!  October is a popular month at Brunswick Plantation & Golf Resort and a busy one too!  Please be sure to … Continue reading → The post Golf News from the Pro 10.14 by Brunswick Plantation Living appeared first on Brunswick Plantation Living.
  • Brunswick Plantation News and Events 10.14

    Bev
    14 Oct 2014 | 9:30 am
        Brunswick Plantation and Golf Resort is a dynamic community that always has a lot happening! That is because of the wonderful, vibrant folks who live here! They are busy this Autumn making plans for more opportunities for friends … Continue reading → The post Brunswick Plantation News and Events 10.14 appeared first on Brunswick Plantation Living.
  • Smart Spending Tips Monthly October 2014 by Brunswick Plantation Living

    Kevin Anderson
    13 Oct 2014 | 4:12 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 October 2014 by Brunswick Plantation Living appeared first on Brunswick Plantation Living.
  • Pumpkin Day Spice and Everything Nice!

    Bev
    9 Oct 2014 | 8:30 am
    Autumn is the Season and the Pumpkin is the Reason neighbors at Brunswick Plantation and Golf Resort join folks across the nation to enjoy…Pumpkin spice in lattes, smoothies, pie, cake, candy, soups, breads, and many other tasty treats! Pumpkins are … Continue reading → The post Pumpkin Day Spice and Everything Nice! appeared first on Brunswick Plantation Living.
  • add this feed to my.Alltop

    Retirement And Good Living

  • Lunch With Mars/Venus’ John Gray

    Ken Solin
    21 Oct 2014 | 2:24 pm
    I met John Gray, best selling author of Men Are from Mars, Women Are from Venus for lunch recently. His continued passion for his work is palpable. We covered quite a few topics related to sex, dating, and relationships over two hours. But his work regarding ADHD and boomer relationship commitment, the topic of his ...more
  • The Long Road to Thailand

    Steven LePoidevin
    19 Oct 2014 | 5:06 pm
    Gazing out from my ninth floor balcony in the heart of Chiang Mai, it is interesting to reflect on how we ended up retiring to a remote city in Northern Thailand half a world away from my family in Eastern Canada. How did my career path lead me to this part of the world and ...more
  • Aging and Immunity are influenced by nutrition

    Professor Arne Akbar
    17 Oct 2014 | 9:07 am
    The number of people aged 60 and over will reach 2 billion by the year 2050. Older subjects have increased morbidity and mortality after infections and it is estimated that 90% of the 10,000–40,000 excess deaths attributed to influenza annually in the United States occur in individuals who are ≥65 years of age. Therefore the ...more
  • Living the Greek life

    Susan Athanasakou
    15 Oct 2014 | 2:03 pm
    Having lived here for thirty seven years I can say that Greece is truly a wonderful place to live. The Mediterranean climate gives everyday that holiday feeling. There’s lots to see and do, be it lazing on a beach all day or visiting one of the many archaeological wonders and museums, or just sitting at ...more
  • Take care of your vision as you age

    Sharon Christ, PhD
    13 Oct 2014 | 11:05 am
    As we age, our senses become impaired. For example, we experience declines in our ability to see well. In my case, I have recently experienced a decline in my ability to see up close after having been near-sighted since childhood. I just started wearing my first pair of bifocals a year ago at the age ...more
 
  • add this feed to my.Alltop

    A Satisfying Retirement - Is a Lifestyle You Choose

  • Not A Lot Has Changed In 4 Years

    Bob Lowry
    22 Oct 2014 | 2:00 am
    One of the reasons I started Satisfying Retirement was because of the near universal focus on retirement finances on blogs available on the Internet. Of course I had financial questions, like when to begin Social Security, should I pay off my mortgage as soon as I could, would I benefit from consulting a financial advisor?But, when I first began to think of closing my company and retiring I was also looking for practical help on all the issues that would affect my life if I stopped working: keeping relationships healthy, dealing with boredom and lots of free time, maintaining my…
  • Preparing Your Home For An Extended Absence

    Bob Lowry
    18 Oct 2014 | 7:37 am
    A reader reminded me that I promised to prepare an overview of what Betty and I did prior to our 2 month RV trip this summer to get our home ready. While everyone's situation is different, maybe this will be helpful if you ever find yourself needing to do something similar.Some of these steps can be taken ahead of time, others just before leaving:Inside the home:all electric appliances, computers, TVs, etc connected to power strips. All power strips then unplugged from wall.*Microwave, stove, dishwasher, clothes washer & dryer unplugged.*refrigerator ice maker emptied…
  • A Lifestyle You Choose - Really?

    Bob Lowry
    14 Oct 2014 | 1:00 pm
    Earlier this summer I modified the blog's title by changing the line that follows Satisfying Retirement to A Lifestyle You Choose. I thought that qualifier was a good fit for the overall message of this blog.Frankly, I thought I'd get a grumble of disagreement from a few readers. A Lifestyle You Choose could be interpreted to mean if you have problems and disappointments it is likely your fault. A  satisfying retirement is there if you work hard enough. No feedback means no one noticed the change (not good) or everyone agrees with the statement (good, but unlikely).Now that I…
  • add this feed to my.Alltop

    Early Retirement Extreme

  • Do I think Asian? Do you?

    Jacob
    22 Oct 2014 | 6:07 am
    Maybe I do? During my wild youth, I spent four years trying to solve some deeply fascinating (to me, at the time) questions in field of astrophysics. I was trying to figure out exactly how a plasma of protons and alpha particles (fully ionized hydrogen and helium) ignited under the immense pressures that obtained from the gravitational field of neutron star. I ran endless numerical calculations of coupled equations that tracked how the dynamics (think Newton, or rather Einstein), the heat transport, and the nuclear reactions all responded to each other. As a result, any inkling of the typical…
  • A tale of two dentists

    Jacob
    21 Oct 2014 | 6:05 pm
    … in which I describe my challenges in dealing with a socialized health care system when it comes to the art of dentistry. Prior to traveling to myCountry(*), I had noticed a what I believed to be a cavity on one of my molars. Not desiring to through the “procedure” at my California dentist which usually takes half a day and leaves me $500+ poorer, I decided to take my chances with my old dentist in Denmark, which I hadn’t seen in 10 years. So I had my parents schedule an appointment—no double booking—and here is how it went. First there was some issues…
  • Fit Dad Fat Dad

    Jacob
    21 Oct 2014 | 6:04 am
    The title of this post is “Fit Dad Fat Dad” partially in honor of Rich Dad, Poor Dad and partially to stir up some controversy in the same way that RDPD does. RDPD has a fairly poor reputation amongst personal finance bloggers. I think the reason is that it questions widely held beliefs on personal finance. The aim of RDPD is to get the reader to stop thinking like a middle-class person and start thinking like a capitalist or an investor. This is about as hard as convincing a Democrat to become a Republican or vice versa. Many readers completely miss this point and instead complain that…
  • Measuring prosperity by less activity, not more

    Jacob
    20 Oct 2014 | 6:04 pm
    The lack of activity is a a core measure for intelligent design. Unfortunately, very few, myself included, are behaving very intelligently these days. Which would be the more intelligent way to feed yourself? To go outside and pluck an apple or shoot something wild and eat it, or to plant seeds every year, harvest, and till? (*) It is certainly clear that the latter ranks high in terms of the sacred “productivity” we worship these days—I guess maybe we still haven’t left the 80s, when being busy and stressed was a badge of honor. Do less useless things! (*) See chapter…
  • Living aboard

    Jacob
    20 Oct 2014 | 6:03 am
    I’m the type that sees life itself as an adventure. I left my home country almost 10 years to go to grad school in another country. When I finished, I left for country number three (this country). I live with the presumption that I live with a sense of purpose or that my life has meaning or that I make a difference in some way. I mean this in a very individualistic sense. For instance, a voter in a democracy makes a difference, but it is a difference as part of a crowd or as part of a system and not as an individual. This is not what I am talking about. It is probably apparent that my…
  • add this feed to my.Alltop

    Retirement: A Full-Time Job

  • 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…
  • 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…
 
  • add this feed to my.Alltop

    Oblivious Investor

  • Should I Invest in Schwab’s Fundamental Index Funds?

    Mike
    20 Oct 2014 | 5:00 am
    A reader writes in, asking: “I currently use three Schwab ETFs for my portfolio: Schwab U.S. Broad Market, Schwab International Equity, and Schwab Short-Term U.S. Treasury. But I’ve been reading about their Fundamental Index Funds and ETFs as well. The idea of allocating to companies according to sales and cash flow makes a lot of sense to me. Do you think it would be prudent to add some of these funds to my existing holdings?” As a bit of background information: Traditional index funds (and ETFs) are market-cap weighted. This means that each stock (or bond) held in the…
  • Investing Blog Roundup: Buying Insurance

    Mike
    17 Oct 2014 | 5:00 am
    This week, I enjoyed three articles about buying insurance. Karen Haywood Queen shares a strategy for saving money on life insurance. Jim Dahle warns against a common (but poorly-reasoned) sales pitch for life insurance. And Michael Kitces offers a guiding overall philosophy on when and when not to buy insurance. Saving with a Life Insurance Ladder from Karen Haywood Queen The Retirement “Tax Trap” — Another Way to Sell You Unnecessary Insurance from Jim Dahle You Should Only Buy Insurance That’s Expected to Lose You Money from Michael Kitces Investing Articles…
  • When to Tax-Gain Harvest Your Bonds

    Mike
    13 Oct 2014 | 5:00 am
    Last week’s article about tax-gain harvesting with bonds drew quite a bit of correspondence from readers. (To recap, the general idea is to sell a bond that has increased in value since you bought it — and which you have held for more than one year – and reinvest the proceeds in a similar, newly-issued bond with a comparable remaining maturity. In doing so, you effectively convert some of the interest income into long-term capital gain income, which is often advantageous due to the fact that long-term capital gains are taxed at a lower rate than ordinary income.) The…
  • Investing Blog Roundup: 20 Years of the “4% Rule”

    Mike
    10 Oct 2014 | 5:00 am
    The retirement planning concept of “safe withdrawal rates” (and the accompanying “4% rule” concept) can be traced back to an article by financial planner Bill Bengen — an article that was published 20 years ago this month (October, 1994). This week, the Journal of Financial Planning published a piece by financial planner Jonathan Guyton (with additional perspectives from a number of other big names in the retirement planning field) discussing the impact of Bengen’s research. The 4% Rule: It Was 20 Years Ago Today from Jonathan Guyton (pdf) Investing…
  • Tax-Gain Harvesting with Bonds

    Mike
    6 Oct 2014 | 5:00 am
    Tax-loss harvesting is a very common tax strategy in which you sell a holding when its value is less than the amount you paid for it, then reinvest the proceeds from the sale in a similar (though not “substantially identical”) investment. The idea is that you then get to use the capital loss (up to $3,000 per year) to offset ordinary income on your tax return, without having to make any significant change to your portfolio. Tax-gain harvesting is a somewhat less common strategy, as it’s generally only helpful for people in the 15% tax bracket or below. The idea is to…
  • add this feed to my.Alltop

    Getting Your Financial Ducks In A Row

  • The Benefits of Financial Planning

    Jim Blankenship
    22 Oct 2014 | 5:18 am
    If you’re wondering about whether or not you need to do some financial planning, either on your own, using resources on the internet, or by hiring a financial planner, you might want to know what the benefits of financial planning are. From my perspective of many years providing financial planning and advice to folks, there are three primary benefits of financial planning: Organization, Efficiency, and Discipline. We’ll talk about each of these in order. Organization One of the most important benefits of financial planning is ORGANIZATION. Statistics tell us that fewer than 25% of…
  • New For 2014 Taxes: Health Premium Tax Credit

    Jim Blankenship
    20 Oct 2014 | 5:00 am
    We knew when Obamacare went into place that there would be new requirements for income tax filing, and one of the first to deal with is the health premium tax credit. This will require the use of a new form, Form 8962. Health Premium Tax Credit For this tax credit you will need to reconcile your advance credits that you have received in the form of reduced subsidized healthcare premiums. When you signed up for health insurance through the ACA marketplace you had the opportunity to receive advance credit, depending upon your income, which reduced your premiums. When the tax year has been…
  • Should You Worry About the Dow?

    sraskie
    17 Oct 2014 | 5:00 am
    The last few weeks have shown that the market is certainly volatile. Once at a peak of over 17,000 the market has pulled back to just over 16,000. While this certainly makes for news (notice how I didn’t say interesting news) I wanted to give our readers a little perspective on why I (nor they) shouldn’t care. First, when the news outlets, friends, family, etc. say “the market” they are generally referring to the Dow. The Dow Jones Industrial Average is made up of 30 companies (yes, only 30) and is a price weighted index, meaning that each component of the index is made up in…
  • Understand Deemed Filing to Avoid a Surprise in Your SS Strategy

    Jim Blankenship
    15 Oct 2014 | 5:32 am
    There’s nothing worse than feeling as if you have your Social Security filing strategy all lined out, when a rule like deemed filing rears its ugly head to throw your strategy off track. Here’s an example: Steve and his wife Edie are ages 66 and 61 respectively. The plan is for Steve to file for his Social Security benefit now (at his Full Retirement Age), and for Edie to file for her own benefit when she reaches age 62. Then Edie will wait until she reaches Full Retirement Age of 66 to file for the Spousal Benefit based on Steve’s record, which will increase her benefit by $500 at that…
  • Yoda Would Suggest a Low-Cost Index

    Jim Blankenship
    13 Oct 2014 | 5:32 am
    “Use the low-cost index, Luke…” Recently a colleague told me that he’d “give that a try”. I responded (tongue in cheek of course) “Try not. Do or do not. There is no try.”  In case you don’t recognize it, that’s a line that Yoda gives to Luke Skywalker in the Star Wars “Empire Strikes Back” movie. Yoda was pointing out to Luke that if he simply “tries” to undertake the action, he will not succeed. I think it shows that Yoda would also suggest a low-cost index mutual fund for investing. If you think back to the excellent article that Sterling wrote a…
  • add this feed to my.Alltop

    Personalincome.org

  • How to Write a Business Plan – 7 Key Elements You Need to Have

    Miranda Marquit
    21 Oct 2014 | 7:10 am
    One of the most important things you can have as an entrepreneur is a business plan. Your business plan is the key to your future. It allows you to gain perspective, reflecting on your business, and what makes it tick, so that you can project your actions into the future. Not only can a business plan be a useful tool for you as you plot your course as an entrepreneur, but it can also help you secure the funding and support you need to make your business work. No lender will approve you for a loan without first seeing your business loan, and no investor or venture capitalist will give you a…
  • 10 Reasons Why ISIS Will Hurt The Economy

    Kevin Mercadante
    13 Oct 2014 | 7:53 am
    It’s a really too early to tell how much impact ISIS will have on the economy. It is, after all, a relatively new movement. It could accelerate and become a force in the Middle East. But the movement could also peter out, and fall into the dustbin of history. But since the situation is still evolving, this is an excellent time to contemplate the possible reasons why ISIS will hurt the economy, and later, what we can do about it. This isn’t to say that we should wish it to happen, in order to create winning investment plays. It’s more about considering the possibilities, and what can be…
  • Redwood Options Review

    Kevin Mercadante
    10 Oct 2014 | 7:48 am
    Redwood Options is one of the better trading binary options trading platforms to hit the market, so if you’re interested in trading, you should definitely check it out. How Redwood Options Works Redwood Options is a Gibraltar-based binary options trading platform. With such platforms, it’s generally more important to know what binary options are, as they are a new trading practice and unfamiliar to most investors. A binary option is an asset class where the objective is to determine the direction that the underlying asset is going in. You will be betting that the direction will be…
  • Why Wealthy People Invest in Private Equity Funds

    Miranda Marquit
    6 Oct 2014 | 8:05 am
    We often hear about how the wealthy do things differently from the rest of us. One of the things that the wealthy do differently to the rest of us is that they put their money to work. Most of the wealthy, while they might be entrepreneurs and business owners, don’t do a whole lot of work for their money. Many of them make investments designed to provide them with income over time, as well as in the short term. One of the ways that the wealthy invest is in private equity funds. Private equity funds provide the wealthy access to different opportunities that others may not have access…
  • TradeRush Review

    Kevin Mercadante
    3 Oct 2014 | 3:24 pm
    If you’ve ever heard of binary options, or you might be interested in trading them, you might also be interested in a trading platform called TradeRush. This platform makes trading in binary options pretty easy, even if you are beginner. What is TradeRush TradeRush was launched in 2011, and is headquartered in Gibraltar. That’s that rock – as in “Rock of Gibraltar” – that is owned by the United Kingdom, but protrudes out of the southernmost tip of Spain, across the straight by the same name from the continent of Africa.  It is one of the fastest growing binary options…
 
  • add this feed to my.Alltop

    Florida Retirement Plan

  • Weekly Market Commentary October 20, 2014

    Gardner Sherrill
    20 Oct 2014 | 8:49 am
    The Markets It’s a little early for Halloween, but markets sure got spooked last week. After a 21-month ride to mid-September highs, stock markets jolted and shook investors last week like the most dramatic and scream-inducing rollercoaster at an amusement park’s fright night. Barron’s described it like this: Read more
  • 3rd Quarter 2014 Review

    Gardner Sherrill
    14 Oct 2014 | 2:17 pm
  • Weekly Market Commentary October 13, 2014

    Gardner Sherrill
    13 Oct 2014 | 6:53 am
    The Markets Keep Calm and Carry On. The slogan comes from a United Kingdom Ministry of Information propaganda poster designed to boost morale if the United Kingdom was invaded during World War II. Despite its current popularity, the poster was never distributed. Read more
  • So You Say There’s Gonna be a Revolution

    Gardner Sherrill
    10 Oct 2014 | 7:12 am
    ​ Is another industrial revolution upon us? Sure, sure, historians still debate whether the term ‘revolution’ is a misnomer since the first industrial revolution began in the 1700s and sort of merged into the second industrial revolution in the mid-1800s. Read more
  • Weekly Market Commentary October 6, 2013

    Gardner Sherrill
    6 Oct 2014 | 7:08 am
    The Markets “Life is fine! Fine as wine! Life is fine!” During the third quarter of 2014, U.S. investors remained as optimistic as the narrator in Langston Hughes’ poem, Life Is Fine. All major U.S. indices pushed higher during the quarter despite mixed economic signals, monetary policy concerns, and geopolitical tensions. Read more
  • add this feed to my.Alltop

    Ira Success

  • Can I Get A Reverse Mortgage With Bad Credit?

    Kathleen Crouden
    20 Oct 2014 | 9:52 am
    One of the many advantages of reverse mortgages is that you do not need good credit to qualify. In fact, although there are requirements to obtain a reverse mortgage, having a good credit score is not necessarily a determining factor. The Federal Housing Administration (FHA) insures almost all reverse mortgages, which allows lenders to loan [...] The post Can I Get A Reverse Mortgage With Bad Credit? appeared first on Ira Success.
  • Why Participate in Your Company’s 401(k) Plan

    Christopher Hardwick
    19 Jun 2014 | 10:53 am
    401(k) plans can provide employees with before-tax contributions and free money from your employer. Were you aware of the match contributions (e.g. free money) and tax benefits offered from 401(k) company sponsored programs?  Outlined below are the pros and cons of a 401(k) plan and whether if it is a good plan for you. Why [...] The post Why Participate in Your Company’s 401(k) Plan appeared first on Ira Success.
  • Adult Children Need To Discuss Later Life Issues With Their Parents

    Jack Tatar
    12 Jun 2014 | 7:42 am
    Each year, concerns mount about the ability for Americans to retire safely.  Only 14% of Americans feel comfortable that they can retire.[1]  In terms of money for retirement, 42% fear they might outlive their savings.[2]  The sad fact is that 57% of pre-retirees haven’t even created a concrete retirement plan.[3] When you add in the [...] The post Adult Children Need To Discuss Later Life Issues With Their Parents appeared first on Ira Success.
  • How to Choose a Financial Advisor

    Jack Tatar
    10 Jun 2014 | 7:04 am
    Examining where you are financially and putting together a Financial Preparedness plan requires a bit of time and effort.  Inevitably, the question pops up as to whether to do this on your own or to work with a financial advisor. The short answer is yes, either way. The long answer is if you choose to [...] The post How to Choose a Financial Advisor appeared first on Ira Success.
  • Becoming Financially Prepared for Retirement – Considering Liabilities

    Jack Tatar
    2 Jun 2014 | 11:02 pm
    When you’re trying to understand if you’re financially prepared for retirement, it’s important to evaluate your current situation and look at four areas: Assets Liabilities What Counts Toward Retirement and What Doesn’t Forms of Income In this article we'll look at how to evaluate your liabilities as well as what counts toward retirement and what doesn't. [...] The post Becoming Financially Prepared for Retirement – Considering Liabilities appeared first on Ira Success.
 
Log in