Archive - August 2016

1
Investing Your 401k – a 2-step plan
2
Managing and Paying Off Student Loans
3
What to Do When You Have Employer Stock in Your Retirement Plan
4
Lilly King’s Finger-Wag, Integrity, and Financial Discipline
5
Where Should I Invest Money Which I Will Need in a Year or Two?

Investing Your 401k – a 2-step plan

If you’re like most folks, when you look at a 401k plan’s options you’re completely overwhelmed. Where to start? Of course, the starting point is to sign up to participate – begin sending a bit of your paycheck over to the 401k plan. A good place to start on that is at least enough to get your employer’s matching funds, however much that might be. In this article though, we’re looking at investing your 401k money. It’s not as tough as you think. In fact, it can be done in just two steps – taking no more than 30-45 minutes …

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Managing and Paying Off Student Loans

A couple of weeks ago, I posted an article here entitled “A College Education Still Pays” despite the growing student loan burden. If you already owe money on student loans, this article follows up and suggests ways to manage and pay off your student loans.

Actively managing your debt is an important step, and your student debt may be one of the biggest financial obligations you have. There are many strategies that could help you manage student loans efficiently. Here is a checklist:

  • Choose a federal loan repayment plan that fits your circumstances:
    • The Graduated Repayment Plan starts
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What to Do When You Have Employer Stock in Your Retirement Plan

This article was originally published by Vid Ponnapalli on

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You changed jobs. You have funds in your ex-employer’s retirement plan that includes some employer’s stock. What should you do? Roll the funds tax-free to an individual retirement account? This may not be the best move in all cases, especially not if your employer stock has appreciated significantly.

Thanks to an often overlooked tax concept called “net unrealized appreciation” (NUA), here is a strategy that could be financially more beneficial to you: Instead of rolling over to an IRA, take an in-kind distribution of the stock. In other words, move the …

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Lilly King’s Finger-Wag, Integrity, and Financial Discipline

The world’s attention seems to have shifted away from financial markets and onto the Rio 2016 Olympics. The event is spectacular – a chance to view athletes competing in the culmination of years of training and discipline. It is awe inspiring and climatic. What can we learn from these athletes as we think about our financial decisions?

Lilly King’s viral video of her finger wag strikes an intrinsic chord with many. The idea that hard work and uncompromised discipline can bring the win resonates with so many of us. Can this love of pure competition and athleticism teach us about …

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Where Should I Invest Money Which I Will Need in a Year or Two?

Hello, We recently sold a home. We have about $200,000 to invest for a year or two until we remodel our new home and start our daughters in college. Any ideas where we should put the money? We have already funded our IRAs/401k as much as allowed. Thanks!

The chart in our article “How Long Should I Give An Investment Plan?” shows that you need to give the S&P 500 at least 7 years before the worst return within one-standard deviation is positive, and at least 19 years before the worst return within two standard deviations is positive.…

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