Retirement Articles
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Our Disfunctional Retirement System
Most Americans near retirement age aren’t financially prepared for retirement. Some people like to blame people for not taking responsibility, but the system of saving for retirement is poorly-designed. Congress put together a system that doesn’t work and couldn’t work given the realities of how people act and how careers develop. Sunday’s New York Times […]
The Case for a Recession
The economic data indicate that U.S. economic growth is slow and slowing, but it appears that it’s still positive. But a few analysts are asserting that the U.S. already is in a recession, including Lakshman Acuthan, John Hussman, and Mike Shedlock. Shedlock does a good job of collecting all the data and arguments in one […]
Inside California’s Big Pension Plan
California has the country’s largest pension fund, the California Public Employee Retirement System (CALPERS). It’s had mediocre to poor returns for years and delivered again recently, reporting about a 1% total return for its fiscal year ending June 30. This is well below the fund’s target rate of return, which means its unfunded liability increases […]
A Few Stock Market and Economic Charts to Study
Charts can be misleading, or they can tell you a lot. You have to study them carefully and understand why the data develops the way it did before concluding that the chart shows something meaningful. Otherwise, the chart is simply data mining. It might show a correlation between items but not necessarily a causation. The […]
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How Long Will Retirement Be Delayed
Until recently, the average retirement age in the U.S. was 62 and declining. The average age for retirement has been rising for at least 10 years. In the wake of the financial crisis of 2008, a high percentage of people now expect to work longer than previously expected and beyond age 65. There’s a lot […]
10 Basic Estate Planning Rules for Every Plan
The estate and gift tax law has been shifting and uncertain for more than 10 years, and what it will be after 2012 is uncertain. You know the deal reached at the end of 2010 is scheduled to expire Dec. 31, 2012. If Congress does nothing, we’ll revert to the 2001 law, which includes only […]
Beware of These Annuity Marketing Tricks
Insurance brokers and companies are buzzing about the Glenn Neasham case. He was a California insurance agent who was found guilty in a criminal trial and sentenced to jail for selling an annuity to an elderly woman. The usual penalties for selling an unsuitable annuity are reprimands, fines, and perhaps a loss of license, not […]
Renting Your Home or Vacation Home
It’s a great time for landlords in many areas. The percentage of homeowners is steadily declining, and there aren’t signs it will turn around soon. It’s tough for many people to be approved for mortgages, and interest in being a homeowner is down. That means more people are renting. Even better, there aren’t a lot […]
