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Total: 50 results found.

Happy Holidays

Created on Tuesday, 18 December 2018. Posted in Content/our blog

... for. ARMs usually have caps for how much rates can change each year, but the "adjustable" nature of these loans adds uncertainty to home ownership. For this reason, folks planning for a retirement that ...

Round Three

Created on Tuesday, 04 December 2018. Posted in Content/our blog

... be tax-free during retirement. The deal with Roth IRAs is that you can deposit money each year ($5,500 this year going up to $6,000 next year, plus a $1,000 catch-up if you're 50 or over) and invest ...

Happy Thanksgiving

Created on Tuesday, 20 November 2018. Posted in Content/our blog

... your retirement accounts. Why? Ask me and I'll explain. Variations on this theme include "negatively amortized" loans where you pay less than the fully amortized amount each month. The interest and principal ...

Looking for Clarity

Created on Monday, 12 November 2018. Posted in Content/our blog

... There was the so-called "Fiduciary Rule" from the Department of Labor, which sought to hold advisors to a higher ethical and legal standard when working with retirement accounts. That rule ultimately failed ...

Updates to Social Security & Medicare

Created on Tuesday, 23 October 2018. Posted in Content/our blog

... could easily be two or three times the cost of Medicare. It's not perfect, of course, but I shudder to think of what retirement would be like without it. Given Medicare's importance, and since we're ...

CDs Versus Bonds

Created on Tuesday, 04 September 2018. Posted in Content/our blog

... differentiation between what needs to be short-term money and what is available to invest for longer-term goals such as retirement, funding your child's college education, etc. The issue with CDs is ...

Stashing Cash

Created on Tuesday, 21 August 2018. Posted in Content/our blog

... going to be spent within the next few months. Portfolio Cash: This is cash in your retirement and brokerage accounts. It's not just lingering but is part of your overall stock/bond/cash allocation. This ...

Monday Morning Quarterbacking

Created on Tuesday, 14 August 2018. Posted in Content/our blog

... the series looks at the lives of real people through the broader lens of what the Journal accurately portrays (in my words) as the slow-motion train wreck of many Americans reaching retirement age and ...

When Bad News is Good News

Created on Monday, 09 July 2018. Posted in Content/our blog

... people found jobs, others simply stopped looking due to a variety of reasons (retirement, discouraged about their prospects, etc), and dropped out of the full-time workforce altogether. As they dropped ...

The Neuropsychology of Saving

Created on Tuesday, 12 June 2018. Posted in Content/our blog

... it is to have good habits. Well, good savers think of the activity as being a habit. They regularly save into their retirement accounts, for example, in affordable increments until it becomes like muscle ...

That Darn Mortgage

Created on Monday, 04 June 2018. Posted in Content/our blog

... this more of an academic exercise, but it's still an important thought process. I'm a big proponent of paying off all debt prior to retiring, or at least as early in retirement as possible. There are ...

Rickety Rails

Created on Monday, 28 May 2018. Posted in Content/our blog

... living in, retirement. Even the methods used for long-term analysis are similar. So, let's dig a little deeper into the Social Security funding conundrum and look at some of the key issues from a retirement ...

The Third Rail

Created on Tuesday, 22 May 2018. Posted in Content/our blog

...  Social Security provides retirement benefits to over 40 million beneficiaries each year, and to millions more spouses, dependents, and survivors of deceased workers. The average monthly benefit is ...

Useful Analogies

Created on Tuesday, 17 April 2018. Posted in Content/our blog

... races. Strange as it may sound, preparing for and running an ultramarathon is just like planning for and living in retirement. Running an ultra is all about planning and preparation, putting in the ...

The Do's and Don'ts of IRA Beneficiaries

Created on Monday, 05 March 2018. Posted in Content/our blog

Since we're in tax season and you might be paying more attention to the nuts and bolts of your retirement accounts, let's review some of the Do's and Don'ts when it comes to naming IRA beneficiaries. I ...

Retiring Somewhere Cheaper

Created on Tuesday, 27 February 2018. Posted in Content/our blog

Where do you want to retire and why? Those are important questions for anyone thinking about their retirement. For some it's an easy answer; they want to retire exactly where they are and do pretty much ...

Planning to Not Retire

Created on Tuesday, 16 January 2018. Posted in Content/our blog

... to keep on working is driven by a variety of factors. But planning to not retire doesn't give one a pass on retirement planning. It's still just as important, even though the timeline might be different. ...

A Move to FIFO

Created on Tuesday, 12 December 2017. Posted in Content/our blog

... will be wealthy fund managers and the like, but many others will be swept up by the change as well. Currently, investors have lots of options when they sell shares of an investment in a taxable (non-retirement) ...

Upping the Ante

Created on Tuesday, 07 November 2017. Posted in Content/our blog

... regulates retirement plans and IRAs, had proposed what became known as the "fiduciary rule". The rule sought to level the playing field a bit by increasing transparency in the advisory industry and allowing ...

The Behaviorist

Created on Monday, 30 October 2017. Posted in Content/our blog

... college funding, say, and another for retirement, and still another for vacations or a new car. He explored those mental short-cuts and found that people tend to expect more in the future of what they've ...