Social Security Administration announced the 2015 cost-of-living adjustment (COLA) will be 1.7 percent in 2015. http://socialsecurity.gov/news/#!/post/10-2014-2
Read more →The Social Security Administration announced 2014 changes on Wednesday. COST OF LIVING ADJUSTMENT (COLA) Effective on January 2014 Social Security benefits will increase 1.5%. MAXIMUM SOCIAL SECURITY BENEFIT Worker Retiring at Full Retirement Age: 2014 is $2,642/mo. SOCIAL SECURITY TAX Maximum taxable Social Security earnings increased to […]
Read more →Your Home: A Retirement Investment or an Expense? A persistent debate surrounds the question of whether your home is an investment or simply the expense of providing a roof over your head. Regardless of which camp you are in, the home is the 2nd most important retirement […]
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Deciding when to take social security is a decision that will last retirees’ lifetimes. Many people don’t realize the implications of taking social security at different ages. It’s not as straight forward a decision as one might think. Social security payments last a lifetime, and that […]
Read more →A person saving for retirement who chooses low-cost investments instead of higher-cost ones could have a standard of living throughout retirement that’s more than 20 percent higher according to William Sharpe, professor emeritus of finance at Stanford Graduate School of Business. During this article, he talks about […]
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It’s not new news that interest rates are at historic lows. As I write this post the 10-year Treasury rates are 1.7%. That means the government is paying bondholders $17 per year for each $1,000 it borrows. At the end of 10 years, the government will return […]
Read more →These are tough times to be an investor. The stock market’s long-term return of 11-13% fades in relevance as the value of your portfolio declines. Investors begin to doubt their decision to invest in this wild, volatile, crazy, anxiety-creating market. I’m not writing this article to say […]
Read more →1) Bonds can reduce portfolio risk by reducing volatility. Creating a portfolio is like putting the pieces of a puzzle together. Portfolios are built by assembling portions of stocks, bonds, and cash. Portions of real estate and commodities may also be added. Modern portfolio theory taught us […]
Read more →Your vision is of a white sand beach, you’re in a lounge chair sipping an exotic drink, watching the waves slowly roll in as swimmers frolic in the aqua clear waters. Then you wake up. You immediately remember you fell asleep struggling with feelings of euphoria and […]
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