Archive - January 2018

1
Running for the Hills
2
Why Average Investors Don’t Beat the Market
3
5 Things to Know About Safe Deposit Boxes, Home Safes and Your Valuables
4
Women: Is It a Mistake to Apply for Social Security at 62?
5
Best and Worst States for Retirement Finances

Running for the Hills

I’ve never seen anything like it. The mere mention of Amazon eyeing another kind of business can send chills down traders’ backs who might own stocks in that line of business. It seems no one wants to be caught owning the next business Amazon might want to conquer.

As a result, on Tuesday morning, Wall Street traders woke up to something they haven’t experienced much of lately: actual market volatility.  One trader posted an image of his Bloomberg terminal at the market opening, which showed an immediate scary-looking plunge in U.S. equities as the opening bell rung.  By the end …

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Why Average Investors Don’t Beat the Market

Most people invest in order to grow wealth over time. It’s only natural to want the biggest returns possible as part of that process.

But focusing on returns isn’t necessarily a sound investment strategy — and it could be part of what leads average investors to perform so poorly.

In fact, average investors don’t just fail to get big returns. They tend to underperform market indices that they invested in, like the S&P 500. In 2015, the S&P 500 index outperformed average investors by 3+% percent and they did the same with the Barclay’s Bond Index!

Theoretically, that shouldn’t

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5 Things to Know About Safe Deposit Boxes, Home Safes and Your Valuables

I found this helpful information about safe deposit boxes on the FDIC site. It was posted nearly a decade ago and remains relevant today.

1. Think about what should or should not be kept in a bank’s safe deposit box. Good candidates include originals of key documents, such as birth certificates, property deeds, car titles, and U.S. Savings Bonds that haven’t been converted into electronic securities. Other possibilities include family keepsakes, valuable collections, pictures or videos of your home’s contents for insurance purposes, and negatives for irreplaceable photos. (Another option may be to store digital images of important documents and …

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Women: Is It a Mistake to Apply for Social Security at 62?

mistakes women make concerning Social Security makes it seem as if applying for benefits as soon as you are eligible at 62 is an error. No matter what advice you read here or elsewhere, when it it comes to Social Security benefits, the important thing is to know what some of your options are. You don’t have to automatically apply at the age of 62; you also don’t have to wait until you are 70 or beyond because you’ll get more. You need to figure out what will work best for you in your particular situation. Consulting with a Fee-Only Read More

Best and Worst States for Retirement Finances

Retirement can be one of the most anticipated and exciting times in a person’s life.  When the time comes to start this new chapter, it is important to consider all of the factors to make the transition as easy as possible.  Diligent financial planning is one of the most important things that can make a senior’s retirement successful, and it is especially helpful to know that there are some states that have better financial environments than others.  Whether retirees already live in one of these states, or are looking for a new place to reside, knowing expense expectations can help …

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