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Found 32 results

  1. I take great offense with Mark Zuckerberg's blanket statement that younger people are smarter.There are plenty of smart young folks as well as plenty of smart older folks. Stereotyping doesn't help. Mark may have brains but he has shown that he lacks wisdom with some of his facebook antics. “How we shift the individual and corporate mindset around employees who want to and need to work beyond their mid-60s is going to be a huge societal issue over the next decades,” https://www.usatoday.com/story/money/nation-now/2018/08/30/ageism-employees-phased-retirement/1142455002/
  2. https://www.usatoday.com/story/money/personalfinance/retirement/2018/02/16/how-use-100-minus-your-age-rule-thumb-when-investing-your-401-k/310338002/
  3. Benefit, tax, and even qualifying guidelines are changing for America's most important social program. Here's what you need to know. https://www.usatoday.com/story/money/2017/10/23/7-changes-to-social-security-in-2018/106907866/?csp=retirement
  4. There's a theory that when we put our goals down in writing, we have a greater likelihood of achieving them. This holds true for everything from weight loss to personal organization to finances. And since we're here to focus on the latter, let's cut to the chase and see what the public is focusing on at present. According to a NerdWallet study, here are Americans' most pressing financial goals over the next 10 years: https://www.usatoday.com/story/money/personalfinance/2017/10/26/americans-top-10-financial-goals-and-why-some-of-them-are-shocking/106846910/?csp=retirement
  5. Most Americans don't contribute new money to Individual Retirement Accounts. Even fewer take advantage of catch-up contributions. But rollovers? They remain a vibrant area of IRA activity, with continuing growth likely ahead as more Baby Boomers retire and younger workers switch jobs. https://www.usatoday.com/story/money/personalfinance/2017/09/22/rollovers-keep-iras-relevant-preserving-tax-shelter/664222001/?csp=managingmoney
  6. https://www.usatoday.com/story/money/personalfinance/2017/09/15/will-the-equifax-data-breach-impact-your-social-security-benefits/105616332/?csp=managingmoney
  7. Just don't do it!! https://www.usatoday.com/story/money/personalfinance/retirement/2017/08/11/4-reasons-you-should-never-ever-take-a-401k-loan/104428648/
  8. Retirement is a time to shake off years of employment and enjoy life, right? That might be the goal, but many Americans aren't feeling it. https://www.usatoday.com/story/money/personalfinance/retirement/2017/06/08/americans-arent-loving-retirement-like-they-used-to-heres-why/102536614/?csp=retirement
  9. Americans aren't known for being great savers. In a recent GoBankingRates study, 69% of adults admitted to having less than $1,000 in the bank, while 34% said they actually don't have any savings at all. But apparently, this collective lack of savings doesn't get all that much better with age. A study by the National Bureau of Economic Research found not so long ago that almost half of Americans die nearly broke. Of the general population, 46% of retirees die with savings of $10,000 or less. But that number climbs to 57% among retirees who are single. https://www.usatoday.com/story/money/personalfinance/retirement/2017/06/02/almost-half-of-americans-die-nearly-broke/102312340/
  10. The debate over Roth vs. Traditional IRA accounts, and which one is better, comes down to two things, mostly: flexibility and taxes. http://www.usatoday.com/story/money/nation-now/2017/03/06/roth-traidtional-ira-investing-taxes/97279898/?csp=retirement
  11. The debate over Roth vs. Traditional IRA accounts, and which one is better, comes down to two things, mostly: flexibility and taxes. http://www.usatoday.com/story/money/nation-now/2017/03/06/roth-traidtional-ira-investing-taxes/97279898/?csp=retirement
  12. Whether you view retirement as a finish line or starting line, one thing’s for sure: You don’t want the line moving as you approach. According to Billy Lanter, a fiduciary investment adviser at Unified Trust Co., the last five years before retirement come with some specific to-do's to make sure all goes as planned: http://www.usatoday.com/story/money/personalfinance/2016/12/14/retire-retirement-budget-years-before-prepare/92796136/?csp=retirement
  13. tony

    60% Of Americans Do This

    Given the mounting costs seniors face once they stop working, from housing to transportation to health care, it's more crucial than ever to start saving for retirement early on. But saving early is only half of the equation. An equally important component is choosing the right investments to allow your money to grow, yet new data suggests that many of us are faltering in this regard. More Below http://www.usatoday.com/story/money/personalfinance/2016/11/25/americans-invest-conservatively-retirement/93957562/
  14. Saving for a distant retirement is always a hard concept for younger Americans, who are more inclined to live in the now. And the slow death of pension plans over the last few decades has made things even harder. But in addition to these typical hurdles, Millennials also face a mathematical double whammy of lower lifetime earnings and lower investment returns that will make their challenge even more difficult. http://www.usatoday.com/story/money/personalfinance/2016/10/13/millennials-save-retire-experiences-things/91287824/?csp=retirement
  15. tony

    Count On Living To 95

    If you knew your date of death, retirement planning would be a breeze. Unfortunately — or maybe fortunately? — you don't. And that can make planning for retirement extremely difficult. Does your nest egg need to last 20 years? 30 years? 40 years? And what about couples? How should couples go about planning for the likelihood that one spouse — usually the husband — predeceases the other? http://www.usatoday.com/story/money/columnist/powell/2016/10/05/life-expectancy-actuaries-live-die-retire-retirement/89407296/
  16. There are schools that focus on financial material. But most courses I’ve seen focus on showing students how to become borrowers, something that mortifies me to no end. We need less “how to borrow” information and more “how not to borrow” behavior modification. Steve pointed this out a few months ago When Dustin and me were having a conversation about Financial Literacy http://www.usatoday.com/story/money/personalfinance/2016/09/16/financial-education-schools-pete-planner/89908440/?csp=managingmoney
  17. Reminiscing with friends last weekend led me to a strange place. I found myself trying to ascertain whether my financial life now is easier or harder than it was 10 years ago, and would it be easier or harder 10 years from now? It was eye-opening. http://www.usatoday.com/story/money/personalfinance/2016/06/11/pete-planner-think-your-finances-tough-now-just-wait/85195414/?csp=retirement
  18. Another article on why low fees are so important. http://www.usatoday.com/story/money/personalfinance/2016/06/14/investment-fees-costs/84862656/?csp=retirement
  19. tony

    How I Retired At 33

    Another one of those I retired young stories. Sometimes I wonder how truthful they are what they are not telling us. http://www.usatoday.com/story/money/personalfinance/2016/04/10/how-retired-33-and-so-can-you/82756340/
  20. The federal Department of Labor, which oversees retirement plans, wants to prod more advisers to do what's best for clients. It has finalized rules that would apply a "fiduciary" standard more broadly for 401(k) programs, Individual Retirement Accounts and other retirement plans. http://www.usatoday.com/story/money/personalfinance/2016/02/19/stricter-fiduciary-standards-aim-protect-investors/80020814/?csp=managingmoney
  21. U.S. life insurance giant MetLife (MET) could face a "significant fine" for alleged violations of rules regarding sales of the retirement-income products known as variable annuities. http://www.usatoday.com/story/money/2015/11/06/finra-fining-metlife/75288800/?csp=managingmoney
  22. It's hard — really hard — to save for retirement. And the stats bear this out: Almost one-third of Americans on the edge of retirement have zero savings. Another third have saved less than one year's income.That's why it's important to protect every dollar that someone puts away for their retirement. http://www.usatoday.com/story/opinion/2015/07/01/warren-booker-labor-fiduciary-rule-column/28859925/?csp=retirement
  23. http://www.usatoday.com/story/money/columnist/brooks/2015/03/10/best-retirement-advice/24332225/?csp=retirement Please participate by adding your own. The article starts you off with some good advice My best and first advice was from 403bwise which I just happened to stumble upon while surfing the internet one day. "Stay Away From Insurance Annuity Products" Its made a world of a difference to me and my portfolio 's growth . Just by following that advice I started my journey to discovering a better way to invest. I started to educate myself . Its made a difference.
  24. tony

    Trouble In Index City

    This article talks about indexing and how a broad low cost index fund is still the way to go even with new types showing up. http://www.usatoday.com/story/money/2015/02/20/trouble-in-index-city/23692439/?csp=managingmoney
  25. A number of U.S. states are taking the lead and tackling the retirement problem themselves with retirement programs that will help employees who aren't covered by IRAs to begin retirement accounts and make it easy for businesses to offer them. http://www.usatoday.com/story/money/columnist/brooks/2015/01/27/pension-401k-retirement/22313511/?csp=retirement
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