Archive - 2015

1
Why Some Investments Smell
2
Are Emotions Preventing You from Saving for Retirement?
3
Uncoupling File & Suspend
4
Top 5 Financial To-Dos in January
5
Can Central Banks Prevent Deflation?

Why Some Investments Smell

Our fridge finally died; we could also use a new dishwasher. So, when we found that a local retailer was offering a discount for buying more than one appliance, my husband and I drove over.

I’m what the Kolbe personality profile calls a “Fact Finder,” so I had done my research. When we arrived at the store, I whipped out the print outs of the brand and models that we wanted.

We started with refrigerators. The one I had picked was okay, but there was a better one in a neighboring price range we both liked more that I hadn’t …

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Are Emotions Preventing You from Saving for Retirement?

sadmaskIn an article about how emotions can sabotage your retirement, Yahoo! referenced the documentary “Thinking Money: The Psychology Behind Our Best and Worst Financial Decisions.” This program presents the idea that, “According to the field of behavioral economics, humans are practically hard-wired to overspend and let their emotions steer their financial decisions (often in the wrong direction).”

Overpaying: Some of us prefer brand name items that are equal to or lower in quality to generic products because we want to buy into the prestige associated with the name.

Yahoo! points out that the same thing that happens at the …

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Uncoupling File & Suspend

suspended bridgeBy now you should be somewhat familiar with the File & Suspend strategy, where an individual files for Social Security benefits and then immediately suspends them. This strategy is often used so that the individual can enable other dependents’ benefits (such as spousal or children) based upon his or her record, while delaying receipt of his or her own benefits in order to accrue delay credits on his benefit.

What you may not realize is that you don’t have to file & suspend at the same time. These actions can be decoupled – in other words, you could file for …

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Top 5 Financial To-Dos in January

As you reflect on the year you’ve had personally, professionally, and financially in 2014, are you any closer to reaching your goals?

Whether or not you view 2014 as a success, the year-end presents an opportunity to reflect and start anew with a clean slate for the year ahead.  If you’re wondering what steps you can take to get ahead in the New Year, here are 5 simple financial to-dos that won’t leave you feeling like you’ve bitten off more than you can chew.

Review your net worth and check in on your goals

The number one way to start …

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Can Central Banks Prevent Deflation?

Can Central Banks lift the global economy out of an era of potential future deflation? The U.S. Federal Reserve may not have helped during the Great Depression. During the 1945-1973 era there was tremendous growth from the WWII victory which gave the U.S. a massive advantage in trade, gold, monetary policy, etc. and this was source of growth rather than Fed rate cuts. During the inflationary 1970’s the Fed failed to prevent inflation and certainly wasn’t needed to get out of deflation. In the 1980’s tax cuts provided stimulus to get out of recession. So when did the Federal Reserve …

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