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A Tax To Prepare For
(General/Articles)
... forward since starting in 2013, you might want to put higher turnover investments inside retirement plans and keep more of your index funds and municipal bonds in your taxable portfolio; those who can ...
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Increase Your Social Security Income
(General/Articles)
... waits. Thus, his benefits at 70 will be approximately 32% higher than at age 66. But his spouse has started taking her benefits already at age 62 and will simply switch over to 50% of his benefit when ...
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Health Care Reform Provisions Affecting Older Adults
(General/Articles)
... or community-based interventions to address risk factors. Tie Medicare Part D premiums to income, and will move more Part B and Part D beneficiaries into higher-income categories — meaning higher premiums ...
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Take Control of College Costs
(General/Articles)
... however, the best bargaining chip is the student. Less than 3% of students in the U.S. score a 2100 or higher on the SAT (max. 2400). The ACT composite equivalent to a 2100 SAT is a score of 31 or higher ...
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Employee Satisfaction - Your Cornerstone of Productivity
(General/Articles)
... were the other top contributors to satisfaction on the job. Why is job satisfaction important for your company? Dissatisfied employees are less productive, have higher absenteeism and are more likely ...
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What's Ahead?...Spring and Echo Boomers
(General/Articles)
By most measures, 2009 was a year of healing and balancing for the local real estate market, posting the most sales since 2005. Transactions in November were 34% higher than the previous year, almost ...
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Is Buy-and-Hold Dead in 2010?
(General/Articles)
... higher trading costs and lower returns. Buy-and-hold reflects a strategy that establishes ground rules around when you need your money. Assets required for shorter-term spending should be in cash and ...
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Multiple Retirement Options
(General/Articles)
... to remember is postponing social security benefits. Postponing benefits allows for higher success rates in the retirement projections I have looked at. I would define success as not running out of money ...
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Fees
(General/About)
... higher for more complex cases. annual retainers for financial planning may be negotiated, depending on clients' needs and circumstances. investment advisory fees are as follows: - 1% per year ...
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Fixed Income Investing
(General/Services)
... and intermediate-term bonds. We do not use long-term bonds because of the higher interest rate risk for a nominal increase in yield. We typically do not use bond funds because sometimes unnecessary expenses ...
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Buyer Beware
(General/Articles)
... lead story ("A Darker Future For Us") the writer asserts that the stock market was no higher in 1982 than it was in 1965. This period is often used in articles to point out that over long periods of time ...
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Your Children Will Thank You
(General/Articles)
... past, when a non-spouse was named as a beneficiary, they had to take the money, at most, over five years. This would cause large tax bills in those years since it made taxable income higher. Now, however, ...
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Control What You Can in This Market
(General/Articles)
... funds with higher turnover should go in tax-deferred accounts like IRA’s since higher turnover funds tend to make more taxable distributions each year. And if you are investing in fixed income (bonds, ...
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You Get What You Don't Pay For
(General/Articles)
... returns since that is never good, suppose you ended the year with a positive return of 2%. If you have a mutual fund with expenses that are just .5% higher than a similar fund (with similar returns), ...
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Enough Annuities Already!
(General/Articles)
... only kicks in if you run out of money – at the point your account hits $0 the insurance company starts paying you. But until then, you are using your own money with higher expenses to do so. Third, if ...
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Social Security in a Bubble
(General/Articles)
... with hindsight a higher rate of return than the negative one you might currently be getting in the market. Or if you need to take benefits now, know that if the market does recover and your portfolio ...
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When To Take Social Security
(General/Articles)
... your health and the health of your spouse? If you are in poor health and do not expect to live past a “break even” age – that point when the reduced benefits you take early are offset by the higher benefit ...
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The 2008 Red Zone
(General/Articles)
... a 401(k), but not a lot of money outside of that. There is very little tax control with an IRA and/or 401(k) since all distributions are taxable which could push you into a higher tax bracket. If you ...
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Emotional Competency in Volatile Markets
(General/Articles)
... experience depression. It is in quadrant 4 (Q4) where good things happen. Our higher emotional levels, paired with control of our energy, lead to rational decision-making. To get to Q4, play the freeze ...
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Are You There Yet?
(General/Articles)
... and they still carry a huge mortgage at retirement. Finally, a careful examination of the SR/E ratio would show that one needs to save a minimum of 12% of income per year, possibly higher than 20% for ...