Retirement Articles
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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 […]
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 […]
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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 […]
New Look in and Uses of Reverse Mortgages
Many retirees in coming years will need to use at least part of their home equity to fund retirement expenses. They should consider reverse mortgages, and they’ll find some recent changes make reverse mortgages more attractive. But some other changes also limit their use and impose more work and restrictions on homeowners. In the last […]
July 2012
July 27, 2012 04:30 p.m. Your Retirement Finance Week in Review There’s been a lot happening in the markets and economy, and more will happen the rest of the summer. This fall will be especially eventful with elections, more deadlines in Europe, and the need for legislation to avoid the “fiscal cliff” in the U.S. […]
IRA Strategies for 2012-2013
The amount of money in IRAs is climbing. Most of us have at least one IRA, and eventually many people roll over their main retirement as-sets, 401(k) accounts, to IRAs. Unfortunately, a lot of the value in IRAs isn’t being maximized. People don’t focus on the key strategies that can make an IRA more valuable […]
