This is a question that surfaces in one form or another in virtually every conversation I have with a client or prospective client. The central point is that no one knows. How's that for insight? "Retirement" is that point in your life when you stop working for money and whatever money you have accumulated has …
Tag: Gainesville
Top 5 Critical Retirement Plan Mistakes To Avoid
As of 2011, The Investment Company Institute reports that the 401(k) plan retirement system holds over $3,000 billion in assets, over 50% of which are found in stock-based mutual funds. Despite their popular use, many investors are uncomfortable with them and unfamiliar with the "rules of the road" when it comes to the proper care …
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QE3 on its Way As Fed Prepares Phillips Trial
From the Financial Times and Scott Minerd When Ben Bernanke, chairman of the Federal Reserve, emerges from his meetings with the Federal Open Market Committee, he addresses the media in that most Delphic of dialects – “Fedspeak.” Like any good central banker, he is careful to preach the piety of price stability. Even if he …
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The Haves and the Have-Nots
Some time ago I posted an article called Cognitive Dissonance. It put me in mind of something that frustrates me. I’m where I am in life and perhaps you are where you are as a result of forces in this country that created what we think of as the ‘great middle class’. You know these …
Capital Market Insights – OCTOBER 24, 2011
Here is your Weekly Insights update from Curian’s Asset Management Group. This informative capital market update is designed to help those of you who want to manage your own money. Stay informed about important developments in economics and the markets… CONTINUE READING…
America Must Manage its Decline
From the Financial Times and Gideon Rachman Recently I met a retired British diplomat who claimed with some pride that he was the man who had invented the phrase, “the management of decline”, to describe the central task of British foreign policy after 1945. “I got criticised,” he said, “but I think it was an …
Bonds Show 60% Odds Of Recession
The bond market indicator that has predicted every U.S. recession since 1970 shows that the economy has about a 60 percent chance of contracting within 12 months. The so-called Treasury yield curve, adjusted for distortions caused by the Federal Reserve’s record low zero to 0.25 percent target interest rate for overnight loans between banks, shows …
Rules for Required IRA Distributions
After you reach age 70½, you must start withdrawing money from your account. Here's what you need to know. It’s the time of year when I start receiving questions about required minimum distributions from IRAs and other retirement-savings plans. Generally, you must take distributions every year after you reach age 70½. Here are some of …
Bracing for the College Tuition Storm
With the economy in the doldrums and the long-term outlook for the US stock market looking more restrained than it has in the recent past, parents and grandparents are asking my advice about the problems associated with paying for their children’s college education. Fueled by a sense of desperation brought on by skyrocketing college costs, …
China Anyone?
Amid all the talk about Europe, about who is running for President in this country in 2012, you’ll find comments about what China is doing, and whether they present a threat to us, be it economic or military or whatever. As we wonder how we are going to solve our problems, be it unemployment, housing, …
Helping Define Your Financial Future 