Retirement Articles
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Bob’s Journal (12/20/2018)
Recent inflation data are sending a warning to the Federal Reserve, but the Fed doesn’t seem to be heeding it. About a year after the financial crisis hit bottom, I presented a workshop to a group of individual investors. One of the group members gave me a hard time. I had said inflation would stay […]
The Power of Framing
Dear Reader: Would you rather spend $3 a day for something or $1,095 a year? Which makes you more likely to pay for something by a certain date: a 20% discount for early payment or a 20% penalty for paying later? The answer to both these questions is supposed to be that it doesn’t matter. […]
The Scope of Retirement Success
Some years ago, I was a speaker at a conference in the Cayman Islands. Most of the speakers dressed casually and enjoyed the local attractions when we weren’t making presentations. One afternoon, I ran into one of the other speakers in the hotel lobby. He was dressed in a suit and tie. While wiping away […]
Your Retirement Blueprint: 7 Key Questions for Ages 50 and Older
Successful retirement has a blueprint. Whether you are already retired or retirement is years away, you can follow the blueprint to enhance your financial independence. For starters, you should always have a written retirement plan. (Surveys of retirees demonstrate that those who have written plans are more satisfied.) Developing a plan requires you to carefully […]
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Where Will the Fed Drive the Economy Next?
The markets now seem to realize what the Fed has been up to, but the markets probably still are behind the curve. Investors as a group made two of their recurring mistakes during most of 2018. They projected that the recent past would continue indefinitely, and they focused on short-term news, or noise, instead of […]
Beat the Latest Scams To Steal Your Identity
The world’s thieves constantly are changing their methods, and you have to keep up with them to protect yourself. Not long ago, the major scam involved IRS imposters demanding immediate payment over the phone using gift cards. That scam largely is shut down. The IRS issued a number of alerts warning about the scam. Also, […]
The Widely Misunderstood Tax Rules for Home Sales
The tax rules for selling a personal residence seem to generate more widespread misunderstanding than most other parts of the tax code. The rules themselves are fairly simple as tax code provisions go. One problem seems to be that many people looking to sell homes don’t realize that the rules were overhauled in 1997. Another […]
Can You Spend More in Retirement Than You’ve Been Told?
Longtime readers know I believe the spending plan is the biggest gap in most retirement plans. The spending plan ensures you won’t run out of money in retirement. It answers the question: What’s the maximum amount I can spend each year and not risk running out of money? The longtime consensus among financial planners is […]
