Posts

,

Nothing Natural About Retirement

The idea of “retiring” is relatively new in this country’s history. It was created by financial institutions about 70 years ago after social security was first set up to transition aging, unproductive workers out of hard labor jobs…

Is Your Retirement Plan Aligned With Your Life Expectancy?

BETTER HAVE MORE MONEY Great news: people are living longer and healthier lives than ever before! Bad news: this means we need more money to allow for those additional years. It would be much easier to plan if we all knew the age at which…
, , , ,

ROTH VS. TRADITIONAL IRA...8 Important Comparisons

Roth vs. Traditional IRA 8 Important Comparisons Roth vs Traditional IRA? Deciding which retirement account type may fit your needs is an important step in retirement planning. The comparisons below provide an overview of the differences…

Mortgage Payment Hurts Retiree Options

What a difference having a mortgage payment makes regarding your retirement plan affordability! Did you refinance your home loan for thirty years to take advantage of historically low mortgage rates? If so, you may be locked into a mortgage…
, ,

Your IRA or 401k Balance is Not all Your's

Your IRA or 401k is partially yours and partially the property of the IRS. Unfortunately, the IRS doesn't tell you what they get until you make a withdrawal. RETIREMENT PLAN REALITY CHECK IRA Balance               Marginal Tax Rates…
, , ,

Is College Worth it Today? An Alternative Idea

When I went to college ( U. Of  Iowa) the out-of-state cost was around $5,000.  Four years and $20,000 or so later I and was done (thanks again mom and dad for paying). My first salaried job paid me $19,500, or almost the equivalent of what…
, , , ,

Why I Prefer Stocks to Bonds

For the past 30 years, interest rates have been moving down and bond prices have been going up.  Now, interest rates are at a level when the best case is they "stay flat" as there is not much room to go any lower. With the low-interest rates…