Retirement

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  • Are You Exploiting Naïve Myopic Workers With That Employer Match?

    Data "Points"
    1 Aug 2015 | 3:00 am
    Over the years, I’ve seen some convoluted ways to rationalize undermining the tax preferences of workplace retirement plans and substituting government tax credits — but a new one just may take the cake.“A Behavioral Contract Theory Perspective on Retirement Savings,” authored by Ryan Bubb and Patrick Corrigan from the New York University School of Law and Patrick L. Warren from Clemson University’s John E. Walker Department of Economics, starts off by assuming that workers are rational, though perhaps not rational in the way you or I might consider to be rational. However, I’ll…
  • Local Favorites…Eat, Play, And Relax in Calabash

    Brunswick Plantation Living
    Bev
    30 Jul 2015 | 5:00 am
    Coastal Carolina is Special Every Season…But Especially So in Summer! Minutes from Little River & N. Myrtle Beach, SC & Sunset Beach, NC…Brunswick Plantation and Golf Resort ® is Truly the Two Sate Solution to Fun! Our scenic gated, golf community … Continue reading → The post Local Favorites…Eat, Play, And Relax in Calabash appeared first on Brunswick Plantation Living.
  • Pre-Retirement on the island of Cyprus

    Retirement And Good Living
    Frank Lucas
    30 Jul 2015 | 3:24 pm
    Back in 2003, while still on an expatriate assignment in Frankfurt, Germany, we bought a penthouse in Cyprus. Living a nomadic life as my wife and our two daughters have been doing for 21 years, we felt the need to establish some sort of base to go back to on a regular basis and maybe ...more
  • Pride In a Job Well Done

    A Satisfying Journey
    Bob Lowry
    29 Jul 2015 | 2:00 am
    When we moved to our new home one thing Betty asked for was a house cleaning service a few times a month. After 39 years she was tired of the dusting, vacuuming, and floor cleaning. Since we both retired 14 years ago she and I have split the chores. Even so, it is something she (and I) don't particularly look forward to. So, we found someone we both thought would do a good job and asked her to come every two weeks.Guideposts.orgThe lady we hired does something that prompted this post: she takes real pride in the job she does for us. Sometimes with a helper,…
  • What’s the difference between a frog and a modern human?

    Early Retirement Extreme
    Jacob
    2 Aug 2015 | 1:58 pm
    A frog is unable to regulate its internal temperature. It is what we call cold-blooded. If it gets too cold, it must seek refuge in the mud at the bottom. It is also unable to regulate its evaporation, hence it can never go far from a pond lest it dry out. Lizards are slightly more advanced. While they are cold-blooded as well meaning that their activity is regulated by whether it is cold or warm, they can regulate or prevent evaporation on their own and thus lizards can live in very dry areas. Mammals are more advanced still. Mammals are warm-blooded. They are, therefore not very dependent…
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    Data "Points"

  • Are You Exploiting Naïve Myopic Workers With That Employer Match?

    1 Aug 2015 | 3:00 am
    Over the years, I’ve seen some convoluted ways to rationalize undermining the tax preferences of workplace retirement plans and substituting government tax credits — but a new one just may take the cake.“A Behavioral Contract Theory Perspective on Retirement Savings,” authored by Ryan Bubb and Patrick Corrigan from the New York University School of Law and Patrick L. Warren from Clemson University’s John E. Walker Department of Economics, starts off by assuming that workers are rational, though perhaps not rational in the way you or I might consider to be rational. However, I’ll…
  • 5 Things You Should Know About Target-Date Funds

    11 Jul 2015 | 3:30 am
    In a remarkably short period of time, target-date funds have become an integral component of the typical 401(k) menu, and a growing share of 401(k) plan assets — particularly those of newly hired 401(k) plan participants — are being directed to TDFs.Whether you are a plan fiduciary evaluating the TDF option(s) on your plan menu — or a 401(k) plan participant being defaulted into a TDF option — here are five questions to which you should know the answers about your TDF investment.1. What is the ‘appropriate’ asset allocation?This is the million-dollar question for target-date…
  • The Course of Human Events

    4 Jul 2015 | 4:00 am
    It is easy, looking back, to gloss over just how remarkable was the sequence of events that made this nation’s independence a reality. The bickering and machinations of the Continental Congress in 1776 were every bit as unpleasant, and unproductive, as the worst of today’s elected officials — even though, and perhaps in some measure because, hostilities with Great Britain had officially been underway since the so-called “shot heard ‘round the world” the preceding spring.The men who gathered in Philadelphia that summer to bring together what was not yet a “new nation” came from…
  • 4 Steps Toward Financial Independence

    3 Jul 2015 | 7:15 am
    While retirement and retirement savings may not be high on your Independence Day weekend agenda, it can be a good time to focus on things that have been pushed aside for more pressing priorities. Here are four steps you can take this weekend that can help put you on the road to achieve financial independence.1. Figure Out How Much You NeedYogi Berra once famously noted that if you don’t know where you’re going, you might not get there.Effective savings strategies start with a goal, something to aim for. For many, retirement savings goals seem impossible to set. After all, there’s no…
  • 6 Questions to Ask at Your Next Investment Committee Meeting

    27 Jun 2015 | 7:30 am
    Every plan, and every investment committee, is unique — and yet, conducted properly, there are inevitably areas of commonality. As the quarter draws to a close and preparations for these meetings get underway, here are some questions that could enhance the discussion, if not the outcome, of your next meeting.1. Do we really need to have all these funds on the menu?We know that participants tend to hold four or five funds on average, regardless of how many choices are on the menu. And for years we’ve known that the more choices participants have, the more difficult it is for them to make…
 
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    Brunswick Plantation Living

  • Local Favorites…Eat, Play, And Relax in Calabash

    Bev
    30 Jul 2015 | 5:00 am
    Coastal Carolina is Special Every Season…But Especially So in Summer! Minutes from Little River & N. Myrtle Beach, SC & Sunset Beach, NC…Brunswick Plantation and Golf Resort ® is Truly the Two Sate Solution to Fun! Our scenic gated, golf community … Continue reading → The post Local Favorites…Eat, Play, And Relax in Calabash appeared first on Brunswick Plantation Living.
  • Eat and Play By The Calabash Waterfront…Fun For All!

    Bev
    23 Jul 2015 | 6:00 am
    Folks at Brunswick Plantation and Golf Resort ® enjoy being close to the lovely, sunny Coastal Carolina Beaches…And the Charming Village of Calabash, NC! Calabash was settled as the fishing village known as Peas Landing in the early 1800’s. This … Continue reading → The post Eat and Play By The Calabash Waterfront…Fun For All! appeared first on Brunswick Plantation Living.
  • Golf News from the Pro 7.15 by Brunswick Plantation Living

    admin
    15 Jul 2015 | 3:54 pm
    Hello to All: Summer time is here and with it is warm to hot days.   Follow these Tips to Keep your Focus: Research shows that dehydration negatively impacts all of the important attributes critical to the game of golf. … Continue reading → The post Golf News from the Pro 7.15 by Brunswick Plantation Living appeared first on Brunswick Plantation Living.
  • Brunswick Plantation News and Events 7.15

    Bev
    15 Jul 2015 | 3:29 pm
    Brunswick Plantation and Golf Resort ®, Our Two State Solution to FUN, always has a lot going on for All Interests! We have so much offered by so many people and groups living in our beautiful, gated community!  Brunswick Plantation … Continue reading → The post Brunswick Plantation News and Events 7.15 appeared first on Brunswick Plantation Living.
  • Coastal Living News and Events 7.15

    Bev
    15 Jul 2015 | 3:23 pm
    Summer Time and the Livin’ is Easy…And FUN in Coastal Carolina! Brunswick Plantation and Golf Resort ® is the best location in North Carolina, just minutes from the South Carolina state line,  to Enjoy It All! Special events, FREE music … Continue reading → The post Coastal Living News and Events 7.15 appeared first on Brunswick Plantation Living.
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    Retirement And Good Living

  • Pre-Retirement on the island of Cyprus

    Frank Lucas
    30 Jul 2015 | 3:24 pm
    Back in 2003, while still on an expatriate assignment in Frankfurt, Germany, we bought a penthouse in Cyprus. Living a nomadic life as my wife and our two daughters have been doing for 21 years, we felt the need to establish some sort of base to go back to on a regular basis and maybe ...more
  • Couple resolves relationship issues in retirement

    Carolyn Bushong
    22 Jul 2015 | 10:01 am
    I’ve never believed in the idea of sacrificing now to plan ahead so I could retire. I thought I would just work until the day I died. I’ve always practiced “live for today,” while Alan (my mate) did some of that, but he, a stockbroker, practiced what he preached, and prepared for retirement.   Alan ...more
  • Hope Made Real

    Arlene Brown
    12 Jul 2015 | 2:33 pm
    In sharing my story let me tell you from the start: Retirement from the business world is possible but retirement from life does not exist unless you want it to. No, it is not possible for every retiree to do as I have done but every retiree can be involved in a worthwhile project that ...more
  • A Chapter Finally Closes

    Len Schritter
    7 Jul 2015 | 11:46 am
    The road was a familiar one. The highway leading out of town had a slight bend in it as it curved south. Approaching the well-known curve, I eased on the brake and slowed our car down to a near stop before turning right.   I was heading home, or at least it felt like it. ...more
  • A Retirement Fishing Tale

    Dale Gillespie
    4 Jul 2015 | 5:00 am
    Several years ago my old high school buddy, Al (Class of ’58 – yeah, I mean old!), drove down from Oregon to go fishing with me. Our plans included a visit to the Delta for a couple of days to get him onto a big ol’ sturgeon. We towed the boat with the motorhome and ...more
 
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    A Satisfying Journey

  • Pride In a Job Well Done

    Bob Lowry
    29 Jul 2015 | 2:00 am
    When we moved to our new home one thing Betty asked for was a house cleaning service a few times a month. After 39 years she was tired of the dusting, vacuuming, and floor cleaning. Since we both retired 14 years ago she and I have split the chores. Even so, it is something she (and I) don't particularly look forward to. So, we found someone we both thought would do a good job and asked her to come every two weeks.Guideposts.orgThe lady we hired does something that prompted this post: she takes real pride in the job she does for us. Sometimes with a helper,…
  • The Ultimate Power Source: An Eight Year Old Boy

    Bob Lowry
    24 Jul 2015 | 2:00 am
    As I write this I am worn out. After two days of being with my grandson, I am ready for a long nap. Did I ever have that much energy? Could I ever talk that much without running out of words? Did my brain ever generate ideas and thoughts that quickly? Is there any way to harness the pure energy that pours out of a young boy? If so, we could satisfy the world's power needs forever.Let's recap. From late on a Friday afternoon until just after lunch on a Sunday morning, or roughly 45 hours, here is what our human dynamo of a grandson accomplished (minus 19 hours spent sleeping) * We watched…
  • A Trip To Strengthen Family Bonds

    Bob Lowry
    19 Jul 2015 | 2:00 am
     I grew up in a very small family. For reasons he never really explained, my dad had no contact with his two brothers. I have uncles, cousins, nieces, and nephews I never met. My mom's family was even smaller: one unmarried brother. He was an important influence in my life and I still miss him 30 years after his death. But, a Lowry family reunion was not very large.On the other hand, Betty comes from a family with all sorts of connections, aunts, uncles, nieces, nephews, and cousins. At this point, many of them have passed on. Even so, she can count at least two…
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    Early Retirement Extreme

  • What’s the difference between a frog and a modern human?

    Jacob
    2 Aug 2015 | 1:58 pm
    A frog is unable to regulate its internal temperature. It is what we call cold-blooded. If it gets too cold, it must seek refuge in the mud at the bottom. It is also unable to regulate its evaporation, hence it can never go far from a pond lest it dry out. Lizards are slightly more advanced. While they are cold-blooded as well meaning that their activity is regulated by whether it is cold or warm, they can regulate or prevent evaporation on their own and thus lizards can live in very dry areas. Mammals are more advanced still. Mammals are warm-blooded. They are, therefore not very dependent…
  • Can you wait, think, and fast?

    Jacob
    2 Aug 2015 | 1:54 am
    A quote that is entirely relevant to financial independence: “His goal attracts him, because he doesn’t let anything enter his soul which might oppose the goal. This is what Siddhartha has learned among the Samanas. This is what fools call magic and of which they think it would be effected by means of the daemons. Nothing is effected by daemons, there are no daemons. Everyone can perform magic, everyone can reach his goals, if he is able to think, if he is able to wait, if he is able to fast.” — Siddhartha, Hermann Hesse You can read the entire thing here. The short…
  • It was me …

    Jacob
    1 Aug 2015 | 1:51 pm
    I started leaving some magazines (Businessweek, Outside, Bon Appetit), in the laundry room and lo and behold, at least one other person picked up on the idea and started leaving magazines as well, so now I have access to National Geographic. Next, I’ll try leaving some CDs and see what happens. If you decide to do something similar, remember the unspoken ground rule: As long as it has not been picked up, it is still yours e.g. if it sits there for weeks or returns, it probably means that nobody is interested, and it is your job to get rid of it. Copyright © 2007-2015…
  • You are not irreplaceable

    Jacob
    1 Aug 2015 | 1:48 am
    According to google I am now the second highest ranked authority on extreme early retirement. I suppose this comes about because I have a “google ranking” of 4 which again comes about because I have yet to bother with monetizing this site as it would require advertising it in the local paper for 4 weeks to get a DBA from the county and therefore I have not lost any google juice selling links. Now according to Spiderman with great powers comes great responsibility. This, in one form or another, is something that it is being hammered into our minds, at least in jobs that are defined…
  • Don’t wash your clothes every day

    Jacob
    31 Jul 2015 | 1:46 pm
    When my mom was a kid, they had something called school clothes and play clothes. School clothes had to be kept clean and play clothes was something one changed into after school. The washing machine is sometimes said to be the factor of the 20th century that liberated women. I do think though, that the maxim that a task expands to fill the available time holds here too. Thus once laundry got faster we simply started doing more of it. All that washing wears the clothes out. It is obvious from the accumulating lint that drying wears the clothes down. This is why we line dry. However, clothes…
 
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    Oblivious Investor

  • Investing Blog Roundup: What’s the Biggest 529 Plan?

    Mike
    31 Jul 2015 | 5:00 am
    This week, Harry Sit of The Finance Buff asks which state has the biggest 529 plan. The answer — and the reason for it — is a pretty telling fact about how the investment industry works. The Largest 529 Plan and the Power of Distribution from The Finance Buff Investing Articles How to Beat the S&P 500 Index from Allan Roth Top 10 List of When Not to Invest from Rick Ferri Are Managed-Payout Funds Better than Annuities? from Joe Tomlinson Other Money-Related Articles How to Interview a Potential Financial Advisor from Sterling Raskie 6 Reasons to Have a High Early Savings…
  • The Age 55 Rule for 401(k) Accounts

    Mike
    27 Jul 2015 | 5:00 am
    A reader writes in, asking: “I recently heard that if I am laid off at age 55, I can get money out of my 401K before turning 59.5 without having to pay the 10% penalty. Is that true, and if so could you elaborate on how that works?” This rule comes from Internal Revenue Code 72(t)(2)(A)(v), which states that the 10% additional tax for early distributions does not apply to any distributions that are “made to an employee after separation from service after attainment of age 55.” In reality, however, the rule is slightly more lenient than that. IRS Notice 87-13*…
  • Investing Blog Roundup: Finding the Optimal Portfolio

    Mike
    24 Jul 2015 | 5:00 am
    A pattern I’ve seen over and over is that, when an investor starts to learn about passive investing, they get stuck trying to figure out how to allocate their portfolio. They can’t figure out exactly how much they want in Fund A as opposed to Fund B, and they can’t quite decide whether or not they should include Fund C. As Rick Ferri explains this week, trying to find the precisely optimal portfolio is an exercise in futility — even for the experts with access to the best data and software — because the critical inputs (including average returns for asset…
  • How Social Security Disability Benefits Are Calculated

    Mike
    20 Jul 2015 | 5:00 am
    A reader writes in, asking: “I have a medical condition that would automatically qualify me for Social Security disability benefits. What I am trying to figure out is whether I should file for those benefits now or wait a few years until I’m 62 and file for retirement benefits. Could you explain for readers how disability benefits are calculated?” The easiest way to get an estimate of your potential disability benefit is to create an account on the SSA.gov website. If you sign in and click over to the “estimated benefits” tab, you can see what your disability…
  • Investing Blog Roundup: Loading Up on Muni Bonds?

    Mike
    17 Jul 2015 | 5:00 am
    Municipal bonds can be a useful tool for investors with taxable brokerage accounts, given that their interest is exempt from federal income tax (and in some cases state income tax). This week, however, author/advisor Allan Roth points out a few reasons why investors might want to place a limit on the portion of their portfolio that they allocate to muni bonds. 4 Reasons Not to Load Up on Muni Bonds from Allan Roth Investing Articles Faint Praise, Indeed, for Active Management from John Rekenthaler So Few Generals, So Few Top Fund Managers from Rick Ferri Retirement Advice from a Boomer to a…
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    Getting Your Financial Ducks In A Row

  • Book Review: The Opposite of Spoiled

    jim@blankenshipfinancial.com (Jim Blankenship)
    31 Jul 2015 | 5:00 am
    Last week I had the opportunity to read Ron Lieber’s book, The Opposite of Spoiled. The book centers on raising kids that are well-rounded and responsible when it comes to money. As a father of two kids myself (and supposedly a financial planner), the book offered many insights to me as a father and as a planner. After all, even I have questions about how to get my kids to think about the way money works and the family finances. Mr. Lieber’s book does an excellent job of how to answer the money questions kids ask. Naturally, kids see the world through different lenses and it’s in their…
  • How to Interview Your (Potential) Financial Adviser

    jim@blankenshipfinancial.com (Jim Blankenship)
    24 Jul 2015 | 5:00 am
    Image courtesy of Stuart Miles at FreeDigitalPhotos.net As individuals need help with their finances and investments they will likely turn to the help of a qualified professional. Their future financial adviser may come via referral from a trusted friend or family member, or through an extensive Internet search. The following is a list of questions (and answers to look for) that individuals can ask their potential adviser to see if he or she is likely to be a good fit and more importantly, act in the client’s best interest. Are you a fiduciary? If yes, move to question 2. If no, thank them…
  • IRAs: Roth or Traditional?

    jim@blankenshipfinancial.com (Jim Blankenship)
    22 Jul 2015 | 5:55 am
    The question comes up pretty often: when contributing to an IRA, should you choose the Roth or Traditional? I often approach this question in general with my recommended “Order of Contributions”: Contribute enough to your employer-provided retirement plan to get the company matching funds. So if your employer matches, for example, 50% of your first 5% of contributions to the plan, you should at least contribute 5% of your income to the plan in order to receive the matching funds. Maximize your contribution to a Roth IRA. For 2015 that is $5,500, or $6,500 if you are age 50 or older.
  • 529 Plan vs. Student Loan

    jim@blankenshipfinancial.com (Jim Blankenship)
    20 Jul 2015 | 5:35 am
    When planning for the cost of college for your children, often parents and grandparents think of the 529 plan due to the tax benefits. Almost ten years ago the 2006 Pension Protection Act made the tax treatment of 529 plan college savings instruments permanent.  This will be familiar ground for most, but perhaps parents of future college students need to a refresher. It will always be cheaper to save for college than to pay for loans. If you’re in the position of most folks – with enough assets that you figure your child won’t be considered for financial aid – then it pays in spades…
  • Book Review – Stumbling On Happiness

    jim@blankenshipfinancial.com (Jim Blankenship)
    17 Jul 2015 | 5:00 am
    Daniel Gilbert does a fine job educating the reader on how to think about happiness. A great example is when he gives some rather positive and happy quotes like the ones you’d read from a satisfied customer’s testimonial. When you turn the page, you find out the quotes come from people you’d least expect. In other words, one of our perceptions of happiness is derived from looking at a person from our perspective, not theirs. A few examples of this are given throughout the book. One in particular is the example of being a conjoined twin. Most of us would think that particular…
 
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    Personalincome.org

  • Top 10 Drone Stocks to Invest in 2015 and Beyond

    Kevin Mercadante
    20 Jul 2015 | 11:46 pm
    Promising growth sectors are hard to come by these days, but drones are shaping up as just such an industry. Barely in existence just 15 years ago, drones are becoming more important in the US military, and across an increasing number of commercial enterprises. Earlier this year, the release of a drone model called the DJI Phantom 3 further lowered the tech barrier and many industries have begun integrating the technology. Consumer drone retailer Drones Etc., along with many other retailers are now offering this model. It has also been rumored big box stores may carry drones this Christmas…
  • Ron Holt & Sue Oram Reveal Their Visions for Generating Wealth

    Sarah Li Cain
    15 Jul 2015 | 5:48 am
    You know it’s important to save and generate wealth, but do you really know why you are doing it? Is it simply to have “enough” to retire? If you don’t know why you need to generate wealth, then all your efforts will go out the window. Being clear on why you want to generate wealth is something most people forget to think about. That’s why it’s so hard to work on it over the long term because people get frustrated, and may simply give up altogether. A Clear and Steady Vision Does the Trick For Ron Holt, owner of the cleaning franchise Two Maids & a Mop, having a clear vision…
  • James Altucher Report Review – The Choose Yourself Guide to Wealth

    Donny Gamble
    6 Jul 2015 | 8:03 am
    Everybody wants to be wealthy, or at least financially independent. However, this seems to be impossible to achieve for the vast majority of us. Not so according to James Altucher, however, world famous entrepreneur and author. In his recent book, The Choose Yourself Guide to Wealth, he aims to provide people with all the tools they need to achieve the financial independence they all desire. So just what is this book about, and what can it do for you? Who is James Altucher? James Altucher is the bestselling author of a number of books, including the “Choose Yourself” series. He also has a…
  • Secondary Market Annuities Review – Fixed Income Retirement Option

    Donny Gamble
    2 Jul 2015 | 8:20 am
    Secondary market annuities aren’t exactly a household concept in the investment universe, but that might be exactly why you should get to know more about them. Technically speaking, they aren’t even annuities, but rather the payment stream from annuities that usually pay much higher yields. The market for these investments is limited in size so when the opportunity to invest in one is available, you have to be ready to move quickly. The competition for these securities is heavy, and many of them are purchased by institutional investors, reducing the availability of them even more. What is…
  • Home Storage Gold IRA: Is It Really Legal to Store Gold in Your Home?

    Donny Gamble
    22 Jun 2015 | 8:14 pm
    Today, it seems that more eager investors than ever before have begun to enter the fray of the modern-day gold rush, resulting in a number of crucial questions about best practices. For example, some people are spending all of their time wondering where they should buy gold – whereas others are recognizing the concerns around how precious metals should be stored. The great thing about a gold investment, is that precious metals will always have value – even if prices seem to rise and dip during the time you have your investment. Most experts suggest that it’s a good idea to…
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    Florida Retirement Plan | RSS Feed

  • Counterintuition – Mean Reversion

    Gardner Sherrill
    2 Aug 2015 | 7:00 am
    The opinions voiced in this material are for general information only, and do not necessarily reflect the views of LPL Financial. Stock investing involves risk including loss of principal. Because of its narrow focus, investments in a certain sector may be subject to greater volatility than investing more broadly across other sectors and companies. Securities […] The post Counterintuition – Mean Reversion appeared first on Florida Retirement Plan.
  • The New High School Degree

    Gardner Sherrill
    27 Jul 2015 | 8:20 am
    Companies often take an interest in education. Some involve themselves in community outreach efforts, sending employees to teach financial literacy or educate students about careers that demand knowledge of a particular field of study. Others have foundations that provide financial support to school districts. Recently, a new model of assistance was introduced. Pathways in Technology […] The post The New High School Degree appeared first on Florida Retirement Plan.
  • Counterintuition – The Financial Crisis in Greece

    Gardner Sherrill
    24 Jul 2015 | 8:41 am
    The opinions voiced in this material are for general information only, and do not necessarily reflect the views of LPL Financial. Stock investing involves risk including loss of principal. Because of its narrow focus, investments in a certain sector may be subject to greater volatility than investing more broadly across other sectors and companies. Securities […] The post Counterintuition – The Financial Crisis in Greece appeared first on Florida Retirement Plan.
  • Triple Tax Advantage

    Gardner Sherrill
    20 Jul 2015 | 8:55 am
    ​ Are you missing out on a possible triple tax advantage? If you have a high deductible health insurance plan and you’re not contributing the maximum to a health savings account (HSA), then you may be missing out. A study cited by The Washington Post found just one in 20 people with HSAs take full […] The post Triple Tax Advantage appeared first on Florida Retirement Plan.
  • Big Data

    Gardner Sherrill
    15 Jul 2015 | 7:22 am
    ​ Big data is making the news. A well-known search engine company has introduced a cloud-based big data service and a news laboratory which provides data about trends to journalists. During 2014 and 2015, it provided: The Economist with information about the employers and industry sectors that were most popular with American job seekers. TIME […] The post Big Data appeared first on Florida Retirement Plan.
 
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    Innovative Advisory Group

  • 10 self directed IRA tips to help real estate investors maximize profits

    Kirk Chisholm
    30 Jul 2015 | 7:20 am
    10 self directed IRA tips to help real estate investors maximize profits     “Self Directed IRAs are one of the best laws the US government has ever passed” Can I invest in real estate with my Self-Directed IRA? “Self Directed IRAs are one of the best laws the US government has ever passed”, an investor once told me. It is hard to argue that point. In 1974, congress passed the Employee Retirement Income Security Act, often referred to as ERISA, enabling US taxpayers to save money for their retirement in a tax deferred manner. The best part of this program (outside of the…
  • Inflation Monitor – July 2015

    Kirk Chisholm
    23 Jul 2015 | 7:05 am
    Inflation Monitor – July 2015 Inflation Monitor Summary - 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 - July 2015 - Introduction I hope you enjoyed your Independence Day. While Greece may not have the same appreciation of our holiday, they had one of their own... A Bank holiday. While the Greek Crisis in Europe seems to be solved??? The greater problem persists. The Greek people voted a resounding "NO" on the terms and the Greek…
  • How Self Directed IRAs Can Help Protect You From Stock Market Crashes and Halted Trading on Exchanges

    Kirk Chisholm
    9 Jul 2015 | 7:23 am
    How Self Directed IRAs Can Help Protect You From Stock Market Crashes and Halted Trading on Exchanges I never attempt to make money on the stock market. I buy on the assumption that they could close the market the next day and not reopen it for five years.   - Warren Buffett If you were paying attention yesterday, then you probably heard that the New York Stock Exchange (NYSE) halted trading for 3.5 hours and Chinese stock market continue to crash. So much for Wall Street having a lazy summer. Should you worry about these events? Yes... and No. As of today you should not have much to…
  • Inflation Monitor – June 2015

    Kirk Chisholm
    26 Jun 2015 | 8:15 am
    Inflation Monitor – June 2015 Inflation Monitor Summary - 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 - June 2015 - Introduction It is officially summer and most markets are becoming more quiet. This is of course excluding the ongoing crisis in Greece. They must love the attention because they have been dragging out this "crisis" since 2011. Everyone involved in this mess (on both sides) has a reason to kick the can down…
  • What You Don’t Know About Renting vs Buying a Home Can Cost You Money

    Kirk Chisholm
    22 Jun 2015 | 7:29 am
    What You Don’t Know About Renting vs Buying a Home Can Cost You Money   "If you rent a home, it is an expense. When you buy a home, it is an expense. If you buy a home and rent it out to a third party, it becomes an investment. A better way to put it is that when you are renting, you rent from a landlord. When you buy a home to live in, you are renting from yourself." This is the third and last post of this series. The first post, Should You Rent or Buy a Home?, examined what factors you should consider when renting vs buying a home. The second post, What is the True Cost of…
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    Now It Counts

  • Finally Enjoying An Empty Nest? Don’t Count On Having Your Home To Yourself For Long – Adult Kids Are Moving Back In Droves

    Buck Wargo
    31 Jul 2015 | 8:27 am
    Housing market impacted by adult kids being happier at home – despite lower jobless rate and higher incomes. Just as Baby Boomers are honing their retirement strategies and considering downsizing because of their new empty nest, American homes are getting a little more crowded. The Great Recession prompted many Millennials, those between 18 and 34, ... The post Finally Enjoying An Empty Nest? Don’t Count On Having Your Home To Yourself For Long – Adult Kids Are Moving Back In Droves appeared first on Now It Counts.
  • Lights, Camera, Mascara! Light Up Your Life With A New Lighted Mascara Wand – And Never Leave Home Without Your Scent Again

    Marco Medrano
    30 Jul 2015 | 2:00 pm
    Two rare beauty gadgets that you actually need. Techy beauty gadgets that we can actually use? These might be rarer than you think. (Although two good ones that do come to mind are the Sonic Spatula and Foreo Luna facial cleansing brush I recently shared with you.) Beauty editors get an enormous amount of requests ... The post Lights, Camera, Mascara! Light Up Your Life With A New Lighted Mascara Wand – And Never Leave Home Without Your Scent Again appeared first on Now It Counts.
  • James Bond Bomb: 007’s Latest Female Love Interest In Spectre Is a 50-Year-Old Stunner

    Abby Tegnelia
    30 Jul 2015 | 8:45 am
    Bombshell Monica Bellucci takes on the iconic role of Bond Girl Lucia Sciarra. When little girls are growing up, there are five main aspirational “It girl” sex symbols shoved in their faces: Barbie, supermodels, pop and Hollywood stars, pretty Disney princesses… And Bond Girls. Even if you’ve never seen a single James Bond flick, you ... The post James Bond Bomb: 007’s Latest Female Love Interest In Spectre Is a 50-Year-Old Stunner appeared first on Now It Counts.
  • A Stunning Rolls Royce SUV Is In The Works

    Michael Lazar
    30 Jul 2015 | 8:35 am
    A long awaited Rolls Royce SUV is finally in the works. But it won’t be on showroom floors until at least 2018. Rolls Royce is calling it their “high-bodied motor car.” Of course it would have a fancy name, given the automaker’s nomenclature for such coinage. They also say that it can “cross any terrain,” ... The post A Stunning Rolls Royce SUV Is In The Works appeared first on Now It Counts.
  • Arizona Cardinals Make History Hiring First Female Coach In NFL, Jen Welter

    Michael Lazar
    30 Jul 2015 | 8:34 am
    The Arizona Cardinals have made history by hiring the first female coach in NFL. Early this week, the Arizona Cardinals football team made a historic first: they hired the first female coach in NFL. Jen Welter is 37-years-old and is a former football player herself, and will be interning as a coach during the training ... The post Arizona Cardinals Make History Hiring First Female Coach In NFL, Jen Welter appeared first on Now It Counts.
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    Dr. Rin Porter
    31 Jul 2015 | 8:18 am
    Dr. Rin Porter Welcome to Thingscouldbeworse.org! This blog is designed to help anyone who is thinking about retiring, or is already retired.  Everyone who works for many years will eventually think about retirement and wonder how to do it. I’ve done it.  I’ve been retired since 2004, so I’ve got over a decade of retirement under my belt.  I’ve learned some things along the way that could be helpful to you. I’d love to have you subscribe to my blog and receive each post by email.  Please fill out the form at the upper right-hand corner of this blog. No matter…
  • A year of learning – the first anniversary of my retirement blog

    Dr. Rin Porter
    25 Jul 2015 | 11:28 am
    The year in review Credit: 123rf.com It’s been exactly one year since I published the first post on this blog. During the past 12 months I’ve published 52 posts – just about one per week.  That was my plan, and I managed to stick to it. I wrote a number of posts about retirement itself, planning for it, adjusting to it, revising the plans, handling difficulties, accepting change, and learning how to be grateful for all of it. Other posts addressed environmental issues, women’s issues, civil rights, housing, hobbies, family history, books, nature, travel, and health.
  • Creating good routines in retirement (or any time)

    Dr. Rin Porter
    17 Jul 2015 | 1:44 pm
    Credit: www.freedesign4.me Are you struggling to find the best ways to spend your time? Do you find it difficult to get up and get going in the morning, whether to a job or to some other destination? Are you newly retired and don’t know what to do with yourself now that you’re not working? Have you been retired for a while, but are feeling aimless and lost? Well, have I got a deal for you!  Routines!  Creating good routines in retirement (or any time) can help you recover your enthusiasm for living each day to the fullest. Good, well-designed daily and weekly routines may be just what…
  • You CAN deal with frustration successfully!

    Dr. Rin Porter
    8 Jul 2015 | 8:51 am
    We all experience frustration.  I bet you can name four or five issues you have right now that are causing you to feel frustrated. I think I can help you if you’ll read this article all the way to the end. Here’s what  I want you  to do after reading this: Try the tips for dealing with frustration. Change your expectations for yourself when you feel frustrated. Why I decided to write about frustration Recently I had to deal with a whole series of situations that were frustrating to me. As the aggravations piled up, I became more and more upset. I needed to deal with the…
  • Digging up the past: volunteer archaeology trips

    Dr. Rin Porter
    29 Jun 2015 | 10:58 am
    Screening dirt from a fur trade site in Wadena County, Minnesota, 2009 Do you enjoy working outside in the summer months?  Do you like learning about the past and the First Americans?  Then volunteering at an archaeological dig may be for you. Almost every summer for the last decade I’ve worked as a volunteer on an archaeological dig.  I’ve done this in Minnesota, South Dakota, North Dakota, and Colorado.  It’s a lot of fun and gives you the opportunity to work and learn with others who share your interests.  College students, retired people, history buffs, and anyone…
 
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