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5 Reminders for Retirement Savers in a Bull Market
Tweet Share on Facebook April 24, 2013 CommentNot many people would have believed you in 2009 if you’d told them the markets would break all-time record highs again in a few short years. But with the Dow clearly past the previous high set in 2007, we can't help but accept that the unthinkable has become reality. But that doesn’t mean we should forget the lessons of the financial crisis, because most of the investment risks are still there. Here are a few investment reminders for the bull market:
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Consider Retirement in Little-Known Loja, Ecuador
Tweet Share on Facebook April 23, 2013 CommentLoja (pronounced LOH-ha), Ecuador, has been largely overlooked by the fast-growing numbers of Americans retiring to this country. However, as one expat retiree, Lee Harrison, who retired to Cuenca, Ecuador, puts it, “If I were to plan my retirement to this country today, Loja is where I’d live.” All things considered, Loja, in Ecuador’s Southern Sierra region and with a population of about 185,000 people, is a perfect choice for retirement.
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Don't Squander Your Retirement
Tweet Share on Facebook April 23, 2013 CommentMaybe you believe you'll never retire, either because you love your job, or you think you'll never be able to afford retirement and will have to work until the day you die.
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How to Balance Saving Money with Enjoying Retirement
Tweet Share on Facebook April 19, 2013 CommentWhen it comes to spending our hard-earned retirement savings, we may find ourselves somewhat reluctant to loosen the purse strings. Everything is so expensive these days that often there is not much left over for fun or extravagances. And the uncertainty of what the future may hold can lead us to even more thrifty behaviors. We may go so far as to question if we can really afford to live the retirement life we want.
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How to Save on Taxes in Retirement
Tweet Share on Facebook April 18, 2013 CommentThank goodness April 15th is over. This year we sent in about $300 each to the IRS and our state’s department of revenue. It’s not fun, but I’d rather send in a small check than get a refund.
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Software Won’t Replace Humans for Investing Advice
Tweet Share on Facebook April 18, 2013 CommentI understand sales and appreciate good marketing. In fact, I just completed the manuscript for my new book, "The Smartest Sales Book You’ll Ever Read", which explores these subjects and reaches some groundbreaking conclusions about them.
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Why 4 Percent Annual Withdrawals are Still Safe
Tweet Share on Facebook April 17, 2013 CommentDue to the lower expected returns of stocks and bonds going forward, retirement planners have been preparing savers to accept a lower safe withdrawal rate for a few years now. But with the original 4 percent annual withdrawal rate already too low for many people to sustain a comfortable lifestyle, what's a future retiree to do?
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Will You Have a Middle-Class Retirement?
Tweet Share on Facebook April 16, 2013 CommentWhat is middle class in America today? According to a definition from the Brookings Institution, the middle class comprises families with incomes between one-half the median income and twice the median income. Today this would make a middle-class annual income range from about $25,000 to $100,000.
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Tax Advantages of Investing in Real Estate Overseas
Tweet Share on Facebook April 15, 2013 CommentEveryone knows that investing in real estate in the United States brings some benefits around April 15 each year. You can depreciate your rental property, deduct your mortgage interest and write off maintenance, repairs and other associated expenses of managing the asset.
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5 Reasons to Save for Retirement in a Roth IRA
Tweet Share on Facebook April 12, 2013 CommentOne of the most exciting retirement tools is the Roth IRA. Investors can build wealth in these accounts with special tax advantages. And, thanks to the ability to convert other retirement accounts to a Roth IRA, virtually anyone can take advantage of a Roth account. Here are five reasons to include a Roth IRA in your retirement planning:
