Financial Advice for Retirement, Social Security, IRAs and Estate Planning

Bob's Blog on Retirement & Beyond

Ins and Outs Of Leveraged ETFs

September 13, 2018

There’s a lot of misunderstanding about ETFs that invest in indexes using leverage. Usually they obtain their leverage by using futures contracts. A lot of people don’t understand the math and other details about futures contracts. This article goes into some details about leveraged ETFs and explodes a couple of myths about leveraged ETFs. So […]

Finding Lost Retirement Money

September 13, 2018

This article discusses the problem of people who lost track of 401(k) accounts and other retirement benefits. It explains how big the problem is and gives some advice on how to find if you are owed any money from a former employer. If you don’t have any luck finding your 401(k) with your former employer […]

Downsizing vs. Aging In Place

September 13, 2018

This article does a good job of explaining the issues and the dilemma faced by many older Americans as they decide where to live the rest of their lives. It uses anecdotes to show how many people’s plans are thwarted by some practical realities. Carrying mortgage debt may offer one explanation as to why many […]

The Cashless Society Update

September 12, 2018

I’ve been hearing about the coming cashless society since the 1970s. It’s still not here, but this article says it’s getting closer. Even so, it points out that there are trends against going cashless and obstacles to a completely cashless economy. Not exactly. The Federal Reserve said in 2016 that 35% of U.S. transactions were […]

Small Business Optimism Soars

September 12, 2018

The NFIB Small Business Optimism Index for August hit the highest level in its 45-year history. The previous record was in 1983. The downside is that business owners report their number one problem is finding qualified workers for their job openings. The number of job openings and the percentage of firms listing difficulty hiring qualified […]

Dangers Of Investing In A Personality

September 12, 2018

Here’s a story about a venture capital firm that made a big splash in Silicon Valley a few years ago. It had a glamorous co-founder and several other key executives who drew a lot of attention. But it takes more than that to make a successful business, and some of the things that attracted investors […]

Tax Cuts And Corporate Cash

September 11, 2018

A major goal of tax reform was to make U.S. corporations more competitive with overseas companies by reducing their tax burden closer to the global average. The tax cut also was designed to encourage U.S. companies to bring back to the U.S. a lot of the cash they’ve stashed overseas because of the high tax […]

State Taxes And Migration

September 11, 2018

Are people leaving high-tax states for low-tax states and will tax reform affect decisions? This paper argues that through 2016 there was a substantial movement of people from high-tax states to lower-tax states and argues that’s likely to continue and perhaps accelerate after tax reform. Interstate migration flows are influenced by many factors, including retirement, […]

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