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Racing Towards Retirement
General Finance
Baby Boomer
Start Year:

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New Orleans, Louisiana, United States
Life stage:
DIK (Dual Income, Kids)
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Latest Blog Posts

Until recently, one thing that kept small investors from investing in individual shares of stock vs mutual funds was the fees charged.  Most brokerage houses had a minimum fee per transaction and if that transaction only involved a few shares, the fees made it cost-prohibitive.  The advent of the internet and electronic trading has made it possible to reduce those fees considerably, to the point that it is possible to ...
Posted: Feb 17 2018 @ 2:15 AM
In case you've been under a rock, or never look at the financial news, let me tell you--the stock market took a dive this week.  While I can't speak for everyone, I can tell you that with our diversified portfolio, we lost everything we've gained since Thanksgiving.  Put another way, we lost five percent of our invested assets.  OUCH, right'Well, we had just passes a milestone, so it isn't fun ...
Posted: Feb 10 2018 @ 1:00 PM
Retirement ReinventionAbout the Book:For twenty years, Robin Ryan has been helping clients get the most out of their careers and their lives. Now, in Retirement Reinvention, she shatters the myths of retirement.  The old model of retirement is changing. The majority of retirees today are seeking fun and meaningful ways to spend their time. Full of practical advice, this thought-provoking guide offers readers a path for reinventing their own retirements, including ...
Posted: Feb 03 2018 @ 1:09 AM
I've said before that I firmly believe that the best investment strategy for most people, me included, is to invest in a diversified portfolio of index mutual funds.  You should pick an asset allocation ratio (what percent of your money is in stocks vs bonds, and foreign vs domestic) set it, and generally leave it alone.  Invest regularly and do not try to time the market.  If you do this ...
Posted: Feb 01 2018 @ 6:07 AM
One common piece of advice given to those planning for retirement is to delay taking your Social Security benefit, as each year you delay increases the benefit.  So, is that good advice'The first part of answering that question is to determine whether or not you NEED to take those benefits at the earliest possible moment.  In other words, if you have been laid off or have become disabled and have ...
Posted: Jan 27 2018 @ 6:07 AM
Smart Couples Finish RichAbout the Book:DAVID BACH has helped millions of couples plan for a future they love. And now, completely updated and revised, Smart Couples Finish Rich, America’s favorite money book, is back! You’ll discover the latest techniques to live a life as a couple, where your values align and your money decisions become easier. Whether a newlywed, a couple planning for retirement or already retired, this timeless classic ...
Posted: Jan 20 2018 @ 7:13 AM
The beginning of the year is a common time to set goals, so  I shared mine a year ago.  Now I'll talk about how things went.Pay High School Tuition From Checkbook, Not SavingsThis didn't happen.  We had to withdraw about $2,000 to pay tuition and fees this year.  However, we also started putting away money every month to cover the bill when it comes due in June, so hopefully this ...
Posted: Jan 16 2018 @ 5:44 AM
Recently we got together with a bunch of old friends.  We all got married about the same time; we all had our (older) kids about the same time, and now most of us are becoming empty nesters.  We were all pushing 30 (or over) when we married, so it isn't surprising that we are all starting to contemplate retirement.  We all have friends our age who are retired.  When we ...
Posted: Jan 10 2018 @ 7:41 PM
I have always loved to read.  I can remember being excited about starting first grade because FINALLY I'd learn to read for myself.  I was one of those kids who took to reading like a duck to water; once it "clicked" a few weeks into the school year I was off and running and way ahead of my classmates.  I was reading chapter books by Carolyn Haywood by the end ...
Posted: Jan 01 2018 @ 8:10 AM
I wrote this last year and since it is all still true (and I have stuff to do to get ready for Christmas) I'm just re-posting.If you read personal finance blogs, you've noticed a lot of posts lately about thrifty gift giving; and ideas range from homemade gifts, to IOUs for services, to garage sale finds.  My list is going to be gifts that money can't buy.Money can't buy family ...
Posted: Dec 24 2017 @ 7:20 AM


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