Retirement

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  • "Class" of '74

    Data "Points"
    2 Sep 2014 | 4:30 am
    Pensions were not on my mind in 1974, certainly not on Labor Day of that year.  While I was pondering my new college textbooks, President Gerald Ford, less than a month in that role, signed into law the Employee Retirement Income Security Act of 1974 – better known to most of us as ERISA. Little did I know at the time that that law – and the structure it provided to the nation’s private pension system – would, in the years to follow, play such an integral role in my life.ERISA did not create pensions, of course; they existed in significant numbers prior to 1974.  Rather, it…
  • October’s Online Retirement Class: The Key to Retirement Success

    Sensible Money - Scottsdale Financial Advisors
    Dana Anspach
    16 Sep 2014 | 1:42 pm
    A comprehensive retirement plan means you can relax and enjoy retirement. 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. (see drawing to the left for an example.) 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…
  • Birth Control: A Twenty-Something’s Best Asset Class

    FutureAdvisor Blog
    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…
  • Golf News from the Pro 9.14 by Brunswick Plantation Living

    Brunswick Plantation Living
    Kevin Anderson
    15 Sep 2014 | 1:50 pm
    Hello again Members and Property Owners,   With the summer season winding down and events slowly coming to an end, the golf shop would like to thank all of our members for a wonderful summer full of golf, and fun! … Continue reading → The post Golf News from the Pro 9.14 by Brunswick Plantation Living appeared first on Brunswick Plantation Living.
  • Retirement in Turkey

    Retirement And Good Living
    Colin Guest
    20 Sep 2014 | 12:15 pm
    As a retired Englishman, one who has lived in Turkey for over 25 years, I have no hesitation in recommending it as a place to retire. Down on the Mediterranean Coast, where I lived until getting remarried in 2012, there is an average of 300+ days of sunshine a year. This compared to living in ...more
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    Data "Points"

  • "Class" of '74

    2 Sep 2014 | 4:30 am
    Pensions were not on my mind in 1974, certainly not on Labor Day of that year.  While I was pondering my new college textbooks, President Gerald Ford, less than a month in that role, signed into law the Employee Retirement Income Security Act of 1974 – better known to most of us as ERISA. Little did I know at the time that that law – and the structure it provided to the nation’s private pension system – would, in the years to follow, play such an integral role in my life.ERISA did not create pensions, of course; they existed in significant numbers prior to 1974.  Rather, it…
  • "Working" It Out

    23 Aug 2014 | 6:30 am
    It is routinely reported that 10,000 Baby Boomers are retiring every day, and yet surveys continue to indicate that Americans plan to postpone retirement. This raises the question: are more older Americans working? A recent Wall Street Journal article notes (subscription required) that one of the biggest changes in the U.S. labor market over the past two decades has been the increasing number of people working over the age of 55. As recently as 1993, only 29% of people that age were in the labor force, but by 2012 more than 41% of that age group were still in the labor force, the highest…
  • When You Assume...

    16 Aug 2014 | 2:57 pm
    The use of assumptions was the focus of a recent report from the Employee Benefit Research Institute (EBRI), which not only highlighted the assumptions used in two separate retirement studies, but illustrated a real problem with their results. The EBRI report examined two earlier  studies — one by Pew Trusts, the other by the Center for Retirement Research at Boston College — that purported to show that the retirement prospects for Gen Xers were worse than those of the Baby Boomers. The EBRI report not only highlighted the questionable assumptions, but took the time to quantify the…
  • Lessons Learned

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

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

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

    Dana Anspach
    16 Sep 2014 | 1:42 pm
    A comprehensive retirement plan means you can relax and enjoy retirement. 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. (see drawing to the left for an example.) 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…
  • 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…
  • Investment Sense – The Value of Ongoing Advice

    Dana Anspach
    24 Apr 2014 | 1:18 pm
    Index Returns Through March 31, 2014 2014 got off to a rough start… of course now that things have stabilized, it is hard to recall the rough start. That is an example of “recency bias” in action. Recency bias is our tendency to use recent experiences as the baseline for what will happen in the future. When the market is down, we become convinced it will remain at a permanent low. When the market is up, we become convinced it should keep going up. When interest rates are dismally low, we become convinced they will stay low forever. Although at the time we may feel convinced of it, that…
  • Income for Life

    Dana Anspach
    8 Apr 2014 | 12:45 pm
    A comprehensive retirement plan means you can relax and enjoy retirement. You can’t control everything in retirement. But when you have a comprehensive plan in place that helps you manage the aspects that are within your control it frees you up to relax and enjoy yourself. Ask yourself these questions: Are you prepared for retirement? Do you have a strategy for investing your retirement assets? Is it the same strategy you’ve used to get this far? Your savings and investment strategy may have been quite effective in helping you accumulate assets. But that same strategy may not be…
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    FutureAdvisor Blog

  • 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…
  • Why Student Loan Debt Should Inspire You To Save

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

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

  • Golf News from the Pro 9.14 by Brunswick Plantation Living

    Kevin Anderson
    15 Sep 2014 | 1:50 pm
    Hello again Members and Property Owners,   With the summer season winding down and events slowly coming to an end, the golf shop would like to thank all of our members for a wonderful summer full of golf, and fun! … Continue reading → The post Golf News from the Pro 9.14 by Brunswick Plantation Living appeared first on Brunswick Plantation Living.
  • Coastal Living News and Events…9.14

    Bev
    15 Sep 2014 | 1:47 pm
    Brunswick Plantation and Golf Resort is a picturesque gated community in Calabash, North Carolina… Just minutes from Little River & N. Myrtle Beach, South Carolina.Folks here enjoy the variety of events and activities available in Coastal Carolina! The following are … Continue reading → The post Coastal Living News and Events…9.14 appeared first on Brunswick Plantation Living.
  • Brunswick Plantation News and Events 9.14

    Bev
    15 Sep 2014 | 4:45 am
    The Fall Season is full of activities at Brunswick Plantation and Golf Resort, as well as, planning for Future Fun Events in our lovely gated community! “Hat’s Off ” to the many dynamic people and organizations that make Brunswick Plantation … Continue reading → The post Brunswick Plantation News and Events 9.14 appeared first on Brunswick Plantation Living.
  • SOS Fall Migration…Shag Dance Party in N. Myrtle Beach

    Bev
    12 Sep 2014 | 6:30 am
    Brunswick Plantation and Golf Resort in  Coastal Carolina has so many interesting and exciting opportunities for an active and interesting lifestyle! Located just minutes from South Carolina, there is easy access to fun in both states. The Carolina Shag was … Continue reading → The post SOS Fall Migration…Shag Dance Party in N. Myrtle Beach appeared first on Brunswick Plantation Living.
  • Vereen Memorial Park and Gardens…Little River’s Hidden Treaure!

    Bev
    11 Sep 2014 | 8:00 am
    Brunswick Plantation And Golf Resort in Calabash, NC is located just 3 miles from Little River, SC. Vereen Memorial Park and Gardens in Little River,SC is just one more reason that Brunswick Plantation is truly a “Two State Solution to Fun”! … Continue reading → The post Vereen Memorial Park and Gardens…Little River’s Hidden Treaure! appeared first on Brunswick Plantation Living.
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    Retirement And Good Living

  • Retirement in Turkey

    Colin Guest
    20 Sep 2014 | 12:15 pm
    As a retired Englishman, one who has lived in Turkey for over 25 years, I have no hesitation in recommending it as a place to retire. Down on the Mediterranean Coast, where I lived until getting remarried in 2012, there is an average of 300+ days of sunshine a year. This compared to living in ...more
  • The Help (from an American Voice in Mexico)

    John Scherber
    19 Sep 2014 | 3:34 pm
    Although we enjoyed watching reruns of Upstairs, Downstairs on public television, my wife and I had never thought of ourselves as people who needed staff to get along. Living in the unpretentious Midwest, having domestic help was regarded as uppity, and unbecoming to good Methodists and Lutherans whose lot in life was to maintain their ...more
  • Living Life to the Fullest

    Martha Loats
    17 Sep 2014 | 3:24 pm
    Moving to a retirement community in Denver is one of the smartest things I have ever done.   Soon after I moved here I began volunteering and took the Eden Alternative training course and became an Eden Associate. I also participated in the Masterpiece Living Lifestyle Review and programs. The philosophies of the Eden Alternative ...more
  • The Spirit of 76

    Dick Gustafson
    14 Sep 2014 | 3:58 am
    My motivation for writing, producing and narrating a documentary on the history of the United States of America was simple. In a survey of graduates from a high school (I can’t remember which one), over 50% of those interviewed believed during World War II, America & Germany were allies against Russia. They missed several other ...more
  • Retirement is a 10-Letter Word

    C Anderson
    12 Sep 2014 | 5:01 am
    Surfing the television the other night, I came across a quite entertaining program — one of those behind-the-scenes pieces on the making of a current hit movie. I snuggled in my oversized chair and listened as cast and crew glowed about the setting, the camaraderie, and the overwhelming feeling of family that pervaded the movie ...more
 
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    A Satisfying Retirement - Is a Lifestyle You Choose

  • Travels With Bailey, or RV There Yet?

    Bob Lowry
    18 Sep 2014 | 10:00 am
    Our 2 year old cocker spaniel, Bailey, is unlike any other pet we have had. Even though she is our fifth cocker, she is unique. Everything makes her nervous, even things that don't exist might cause her to bark or run to us for protection. Up until three months ago she refused to eat out of her doggie bowl unless one of us was right there to assure her the food was not going to harm her. She needs more love and attention than any dog we have ever seen.Of course, Bailey came with us on our just completed RV trip. Leaving her in a kennel for two months would have killed her and no family…
  • A Friend In Need

    Bob Lowry
    16 Sep 2014 | 6:01 pm
    I have never written a post like this before. I have never asked you to consider helping someone you don't know. But, I am today.As regular readers know, once upon a time I was a radio DJ. The station that really helped launch my career and everything that came later was WOLF in Syracuse, NY. From the late 60's until 1973 that radio station was my home and its employees my family.One of those employees was a fellow named Ron Bee. He was a big, friendly bear of a man with a huge voice. As it turns out his very first job in radio was serving as the newscaster on my afternoon show on WOLF. He…
  • Seeing Home With A Fresh Eye

    Bob Lowry
    14 Sep 2014 | 9:47 pm
    Dorothy may have been right. After two months away, I can appreciate her "there's no place like home" sentiment. Travel is fun and energizing. But, home is, well, home.Being away offers an important opportunity to look at where and how you live with a fresh eye. Things you take for granted may have been missing, or different, while you were away. Something that happened on a trip may give you a few ideas that can be integrated into your daily life. You may return with a new dedication to experience all that your hometown has to offer.Our home for the last thirty years…
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    Early Retirement Extreme

  • Tap water

    Jacob
    20 Sep 2014 | 3:33 pm
    I’m blown away when a person is able to spend more than $20k a year on living expenses. But then I realize that they have little appreciation of the value of money [relative to what the money is spent on]. It’s treated like water and it slips through their fingers. Turn on a pressurized faucet and it just comes out without any consideration as to where it comes from as long as the utility bill is paid. Though clean water is a finite resource limited by irreplaceable aquifers or the energy needed to drive purification system, it is spent like there is no tomorrow. Why we use…
  • Envelope recycling

    Jacob
    19 Sep 2014 | 3:27 pm
    Here is a chance to take advantage of some economic inefficiency: Recycle your envelopes. DW and I used to sell used books and recycling the padded envelopes which I got from buying other used books is really a no-brainer when padded envelopes easily cost north of $0.75. Some used book sellers would even take the chance on the purchaser’s good faith and include a stamped return envelope to send the padded envelope back. In this system the same envelope could take three trips or more! Another advantage is that it cuts down on the garbage as well. If people paid directly for the volume of…
  • Travel, tourism, and living abroad

    Jacob
    19 Sep 2014 | 3:24 am
    A couple of weeks ago I posted the controversial statement that travel is not worth it. This elicited many comments and so it is obviously something people feel strongly about. I think, therefore, I should clarify things a bit. First some definitions: Travel: The process of getting from point A to point B. Tourism: Using the WTO’s definition, tourism is traveling to some place and being away from home for more than 24 hours and less than 1 year and NOT being remunerated from the destination. (Being away for longer than one year while not being paid would not be tourism.) Living abroad:…
  • The disappearance of the middle class

    Jacob
    18 Sep 2014 | 3:21 pm
    Zev pointed me in the general direction of Huffington Post and their posts about the disappearance of the middle class and what they refer to as “Third World America” and what we need to do to save it. As I was reading more and more I felt more like grabbing someone and shaking themcompelled to write an answer. Unfortunately, I ran out of space on their site, so here goes: I’ll tell you what “we” need to do. The middle class needs to start by taking a very serious look at itself, because all the problems that the middle class is undergoing could have been…
  • Theory of mind

    Jacob
    18 Sep 2014 | 3:21 am
    Lately I have been fascinated with the concept of a theory of mind. To use the word theory in its correct scientific sense, it would be better to speak of a “hypothesis of mind” since neither one’s own mind nor other people’s minds are directly observable. Instead it is an inference. The collection of inferences then forms a working theory. Go ahead and read the link. I’ll summarize and comment further below. Possessing such “a theory of mind” allows one to identify and attribute knowledge, beliefs, and intentions to oneself and to others. By…
 
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    Retirement: A Full-Time Job

  • My Short Career as a Landlord

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

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

    Retired Syd
    20 Jul 2014 | 3:20 pm
    (Photo Details:  Top of the Metropolitan Museum of Art, New York--June 2014) I’m just finishing up a five-week visit to Manhattan on our annual home-exchange vacation.  I get a lot of questions from people about why I like to return to New York year after year.  Why not go somewhere different?  Why go for an entire month?  And why go during the hottest time of year? And I do have answers to all those questions.  But this post is about the value of seeing something that you’ve seen before in a totally different light.  I just calculated that I’ve visited New York City 14 times…
  • Picturing Retirement: Stop and Smell the Cacti

    Retired Syd
    18 Jul 2014 | 6:49 am
    Photo Friday:  Terri has been retired for almost a year now.  She sends wonderful email updates about how much she is enjoying her newfound time.  This photo is from her travels earlier this year to Sedona and to the Grand Canyon.  This cactus only blooms one week each year and she and her husband were there to see it.  Thanks for sharing Terri! Related Posts: Picturing Retirement:  First Morning of Retirement     Picturing Retirement:  Retired Art Teacher with Wanderlust     Picturing Retirement:  Retire in the City or in the Country? Can’t keep track of my non-existent posting…
  • Is it Ok to Be Happily Retired?

    Retired Syd
    15 Jul 2014 | 11:25 am
    (Photo Details:  Pool at Grand Hotel D'Angkor--Siem Reap, Cambodia) If only this one was as easy as turning off the TV. Yesterday I posted about how it seems like we’re not allowed to be happy about good news yet.  Yes, maybe it’s that bad news sells.  But I also think it’s because we feel guilty about feeling happy when there are still so many people whose circumstances are not as good. I think that’s why I get so many emails from readers who feel like they have to downplay their happiness about being retired.  Since many of these folks have retired before their friends or family…
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    Oblivious Investor

  • Investing Blog Roundup: Market Valuations and Retirement Asset Allocation

    Mike
    19 Sep 2014 | 5:00 am
    Housekeeping note: We have family and friends visiting from out of town this week and early next week, so there will be no article on Monday. This week researchers Wade Pfau and Michael Kitces released a new paper looking at an assortment of different asset allocation strategies in retirement — ranging from various static allocations, to various “glide path” allocations that either increase or decrease the stock portion over time, to various valuation-based allocations that adjust the stock/bond ratio over time based on whether stock valuations are high or low. The paper and…
  • A Look at Vanguard’s Managed Payout Fund

    Mike
    15 Sep 2014 | 5:00 am
    A reader recently wrote in asking for a discussion of the Vanguard Managed Payout Fund — how it works and what it might be good for. In short, the fund is meant to be a tool for investors who are spending from their portfolios (i.e., retirees). It’s an all-in-one fund (like the LifeStrategy or Target Retirement funds), but it also implements a withdrawal strategy for you. In other words, the fund handles not only asset allocation and rebalancing, but also the implementation of a distribution strategy. Pretty neat idea, in my opinion. What is the Distribution Strategy? Perhaps…
  • Investing Blog Roundup: Fixed Indexed Annuities

    Mike
    12 Sep 2014 | 5:00 am
    As I’ve written on several occasions, I’m a big fan of annuities as a tool for providing retirement income. But that doesn’t really extend beyond boring lifetime annuities. Fixed indexed annuities (a.k.a. equity indexed annuities) are an entirely different animal. And as Allan Roth explains this week, there are a number of potential “gotchas” involved with such products. 6 Questions to Ask Before Buying a Fixed Index Annuity from Allan Roth Investing Articles 5 Simple Steps to the Perfect Portfolio from Walter Updegrave Beware Tactical Asset Allocation Funds…
  • How Big Does Your Portfolio Have to Be Before It Should Look Different?

    Mike
    8 Sep 2014 | 5:00 am
    A reader writes in, asking: “For the last several years I’ve been following a basic Boglehead strategy with a few index funds. How big does a portfolio have to be before it makes sense to start moving into other strategies?” There are certain portfolio-related considerations that can become relevant as your wealth grows to a certain point. For example: If your portfolio starts to get to the point that estate taxes might be an issue (with the exemption currently at $5.34 million – or twice that if married) and your primary goal is leaving money to heirs rather than…
  • Investing Blog Roundup: Is a 4% Withdrawal Rate Too High These Days?

    Mike
    5 Sep 2014 | 5:00 am
    Last week, I linked to an article from Wade Pfau and David Blanchett discussing the usefulness (and limitations) of Monte Carlo simulations. This week, Pfau and Blanchett follow up with an article that uses Monte Carlo simulations to address the question of whether a 4% withdrawal rate is still a good idea for today’s retirees: Can Retirees Still Use a 4% Withdrawal Rate? Practical Applications of Monte Carlo Analysis from Wade Pfau and David Blanchett Other Money-Related Articles The Good News About Retirement from Darrow Kirkpatrick 5 Signs that an “IRS” Caller is a…
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    Getting Your Financial Ducks In A Row

  • Predicting the Market is Like Predicting the Weather

    sraskie
    19 Sep 2014 | 5:00 am
    If you’ve ever planned for a day out, picnic, family day or relaxing day outside chances are you turned on your TV, radio or grabbed your smartphone app and got an idea of what the weather was going to be for the day of your trip. When you looked you got a prediction, based on the probability of what the weather patterns have shown in the past and you got an idea of what your day would look like. And sometime in your life, what was predicted to be a bright sunny day was laden with storm clouds, rain and gloom. Trying to predict the market is like predicting the weather, only more confusing,…
  • 7 Questions About Divorcee Social Security Benefits

    Jim Blankenship
    16 Sep 2014 | 5:01 am
    Photo courtesy of Gabriel Santiago on unsplash.com Included in the myriad of questions that I regularly receive from readers are questions about how a divorced person can collect benefits based upon his or her ex-spouse’s Social Security record. For a divorcee (as with many married couples) sometimes the ex’s benefits represent the lion’s share of the couple’s SS record. Because of this, many divorcees are very interested in knowing what benefits are available to them, and when. In addition, even when the divorced spouse in question is not the higher earner there are questions about…
  • Why Spending a Little On You Is Ok

    sraskie
    12 Sep 2014 | 5:00 am
    Read any financial column or blog and chances are the writers (including yours truly) have advocated that readers save their income, reduce expenses and get rid of debt. Sometimes this valuable information can get interpreted as you can never spend any money on yourself for little things here and there such as a meal out or grabbing a movie with a friend. These little things can help keep you on track for your bigger savings targets by allowing you a bit of autonomy and a chance to enjoy the money you’re working hard to earn and save. Think of it this way: let’s say someone is going on a…
  • IRS provides advice for avoiding phone scams

    Jim Blankenship
    10 Sep 2014 | 5:29 am
    Photo courtesy of Thomas Lefebvre on unsplash.com There has been a rash of phone scams going on this year – scammers posing as IRS agents that is. I haven’t personally received any of the calls, but I’ve had calls from several clients who have gotten these calls. They can be very disconcerting, to say the least. In the typical phone scam, the caller contacts you out of the blue, and seems to have information about your home address, or bank, or other somewhat personal information. They then tell you that you owe a pile of taxes and you have to pay up now or the local police will be on…
  • 16 Ways to Withdraw Money From Your 401k Without Penalty

    Jim Blankenship
    8 Sep 2014 | 5:09 am
    Photo courtesy of Lucas Theis on unsplash.com When you have a 401k plan and hard times befall you, you may wonder if there is a way to get your hands on the money. In some cases you can get to the funds for a hardship withdrawal, but if you’re under age 59½ you will likely owe the 10% early withdrawal penalty. (The term 401k is used throughout this article, but these options apply to all qualified plans, including 403b, 457, etc.) Generally it’s difficult to withdraw money from your 401k, that’s part of the value of a 401k plan – a sort of forced discipline that requires you to leave…
 
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    Personalincome.org

  • Term Life Insurance – The Complete Policy Holders Guide

    Kevin Mulligan
    17 Sep 2014 | 1:30 pm
    What is Term Life Insurance? Life insurance is a contract that insures your life for a certain value. If you die within the coverage term the insurance company pays out the claim to your heirs. Some life insurance policies mix in investment or wealth accumulation to the insurance policy. This makes them much more complicated and expensive to own. Term life insurance is simple; this coverage is the go-to for anyone needing life insurance. There are no complicated contracts, no investment choices to make, and no surrender charges. There are only three variables: how long you want coverage to…
  • Thrift Savings Plan Advice – Should you rollover yours?

    Kevin Mercadante
    15 Sep 2014 | 7:56 am
    Business is booming for investment brokerage firms that are convincing Federal employees and members of the armed forces to roll their Federal defined contribution retirement plans – Thrift Savings Plans – into more traditional plans, like self-directed IRA’s. But is it the right choice? Often, but certainly not always. Mostly it depends on what type of investor you  are. What is the Thrift Savings Plan? The Thrift Savings Plan – or TSP – is the government equivalent of a 401(k) plan. It is a retirement savings and investment plan for federal employees and…
  • Broker Arbitrage Review – Does Mark Reid’s Forex System Really Work?

    Donny Gamble
    12 Sep 2014 | 7:24 am
    How many times have you heard that there is a Forex system out there that can crack all codes and give you the most amazing profits? Personally speaking, automated Forex systems are a bit of a no-go area. The reality is that the people who create these programs just make a profit from you as a customer. This is why, when I saw Broker Arbitrage, I was cynical to say the very least. However, I also believe every program deserves a fair looking into, so I decided to give it a try anyway. Here is what I found. About Mark Reid , Broker Arbitrage’s Founder Mark Reid created Broker Arbitrage,…
  • 8 Middle Class Income Strategies to Survive the Next Financial Meltdown

    Kevin Mercadante
    11 Sep 2014 | 7:31 am
    When it comes to the topic of surviving the next financial meltdown, the talk inevitably heads toward saving up a trove of precious metals so that you can ride out the economic and financial storm. But while that might help to preserve the purchasing power of your investments, it will do little to enable you to survive on a day-to-day basis. That’s why any strategy to deal with the next financial meltdown has to include ways to enable you to keep an income flowing in. This is especially true if like most of us, you’re middle-class. You probably don’t have the kind of investment…
  • Top 3 Reasons to Have a Life Insurance Policy

    Miranda Marquit
    8 Sep 2014 | 8:56 pm
    When it comes to asset protection planning, many of us don’t think about the importance of life insurance. While it’s good to pay attention to long-term tax planning, as well as to consider the way you can protect your wealth with the help of trusts, the reality is that many of us don’t think about life insurance. However, life insurance is an important part of your finances, especially when it comes to shoring up your peace of mind and making sure your family is protected. If you don’t have life insurance, here are 3 good reasons to consider getting a policy: 1. You…
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    fl-retirementplan.com

  • Protect your Money from Fraud

    Gardner Sherrill
    16 Sep 2014 | 1:54 pm
    Published in Bradenton Herald: September 16 By GARDNER SHERRILL |Investor’s Column Protect your money from Investment Fraud A common concern from investors is how to avoid investment fraud. In recent years, I have seen victims from Madoff, Nadal, Stamford, and Brasota. As fraud appears to be increasing it can be helpful to better understand simpleRead more
  • Weekly Market Commentary September 15, 2014

    Gardner Sherrill
    15 Sep 2014 | 1:32 pm
    The Markets If you’re familiar with fairy tales, you’ve probably encountered a story or two that involves the granting of wishes. Usually, these are cautionary tales. Well, there was some wishing going on around the globe last week and, if the wishes come true, the outcomes may be less beneficial than anticipated. Read more
  • Weekly Market Commentary September 8, 2014

    Gardner Sherrill
    8 Sep 2014 | 1:51 pm
    The Markets It’s déjà vu all over again! Last year, pundits and analysts tried to discern when the Federal Reserve might begin to end quantitative easing by reading economic tea leaves. For months, bad economic news proved to be good news for stock markets. This year, investors are seeking signs which might indicate when theRead more
  • Every hour your age increases by 45 minutes

    Gardner Sherrill
    5 Sep 2014 | 2:55 pm
    Life expectancy has been increasing by 15 minutes every hour for the last 50 years or so in the richer countries around the world, according to The Economist. That’s an increase of about 2.5 years per decade. Read more
  • Weekly Market Commentary September 1, 2014

    Gardner Sherrill
    2 Sep 2014 | 2:26 pm
    The Markets There is no substitute for mental preparedness. Just ask any professional athlete or Navy SEAL. One essential aspect of metal preparation is situational awareness – being able to identify, process, and understand what is happening around you at any given time. Read more
 
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    Structured Settlement

  • The Use of Annuities and Structured Settlements

    Michael Reid
    1 Sep 2014 | 12:36 am
    An annuity is a popular financial product offered by insurance companies to customers as a type of investment that repays a premium to the purchaser sometime in the future. It offers the purchaser secure and regular payments at a predetermined date. It is especially useful for those planning for retirement or who has received an award for personal injury. It takes on features that have similarities to investments and insurance policies. It can be seen as an investment because the insurance company is in businesses to make a profit and at the same time providing a suitable rate of return to…
  • Millionaire Calculator

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

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

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

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

  • SMSF INSURANCE – PREMIUMS ARE DEDUCTIBLE

    Ivan Filipovic
    17 Sep 2014 | 5:36 pm
      The number of SMSFs is increasing with over one million members and 3600 SMSF’s established per month. However, many SMSF members fail to understand the importance of SMSF insurance. The first consideration in starting an SMSF is “is an SMSF right for me?” and if yes, an SMSF is established. Many SMSF investors are quick to open a SMSF bank account and process their rollover from their industry or employer sponsored fund. A key consideration prior to processing your rollover is your current insurance coverage as the transfer may result in insurance ceasing at transfer date. If…
  • HOW TO ROLLOVER INTO YOUR SMSF QUICKLY AND EASILY

    Ivan Filipovic
    15 Sep 2014 | 7:08 pm
    A key part of the SMSF establishment process is rolling over your superannuation balance from your industry/ retail or employer sponsored fund to your Self Managed Superannuation Fund (“SMSF”). If performed incorrectly, this can become a frustrating and timely process. A similar process is followed by most funds, which will include a rollover form, certified identification and a compliance letter. Absence of these documents and the rollover will most likely be declined. Rollover Form The ATO SMSF rollover form can be found here. Note the form is the transfer of ‘whole balance’,…
  • HOW TO SPOT A SMSF PROPERTY SPRUIKER

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

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

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