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Investing

4 Types of Retirement: Which Will You Choose?

by Luke Landes
Which retirement will you choose?

While every situation is different, there are only a few types of retirement for those of us in the working class. Before I get to the retirement concept, here’s what I mean by “working class.” The working class includes those who need to survive by trading their time and effort for an income. They could […]

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Four Excuses Prevent You From Investing

by William Cowie

This is a guest article by William Cowie, who writes at Bite the Bullet Investing. While I considered myself a late bloomer in the world investing, not doing much with my money besides spending it until I was about twenty-eight, William started much later in his life. In this article, William describes how certain attitudes […]

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Are Financial Planners Hurting Investors Approaching Retirement?

by Luke Landes

If you’ve watched the financial industry over the course of the last decade, you’ve probably noticed some important contradictions. It’s a good indication that taking generalized investment advice and applying it to your own situation is not a smart idea. Anyone who retired at the height of the recession is going to understand exactly what […]

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Check Your 401(k) Fees: Invest in Index Mutual Funds

by Luke Landes
401k

A few years ago, new regulations mandated that 401(k) retirement plan administrators change quarterly statements to include more information about expenses about each fund in which the employee is invested. This was a good move. I have mixed feelings about 401(k) plans. Today’s world of employment is different than that from a generation ago. For […]

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Accurate Prediction Market Intrade Shuts Down

by Luke Landes
Stop

I’ve mentioned Intrade here. Intrade, until recently, was an open prediction market. People from all over the world could place money — bet — on circumstances they expected to be true some time in the future. It was used to great effect during the recent presidential election here in the United States. Even as the […]

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Learning About Investing With the Stock Market Game

by Luke Landes
Stock Market Game

In my mind, no child is too young to learn about the basic concepts of personal finance. From using money to saving money and budgeting, youngest children learn as they watch their parents behave. These are the most important lessons because parents are the ultimate role models. Financial literacy programs that wait until high school […]

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Stock Market Reaching Highs: Time to Exit?

by Luke Landes
S&P Index from November 12

On November 12, the world was still reacting to the election of Barack Obama to a second term in the White House. The financial media began its relentless coverage of the fiscal cliff. Market confidence was down, and so were the stock market indexes, immediately following the election results. This seemed to me to be […]

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Stock Market: Time to Go All In

by Luke Landes
Donkey

I don’t advocate trying to time the market. It’s impossible to predict with any kind of consistent accuracy what the stock market will do, and the impossibility increases — regardless that the concept defies logic — as the time frame is shorter. I’m still looking at a horizon far enough in the distance that the […]

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How to Optimize Your Retirement Investing Priorities

by Luke Landes
Golf in Retirement?

The law in the United States is designed to encourage each working citizens to save for his or her own future. Through tax advantages, there are subtle incentives for investing in certain types of accounts. These incentives encourage financial literacy, boost use of the economic machine of the financial industry, and shift the burden of […]

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Traditional and Roth IRA Contribution Limits for 2016 and 2017

by Luke Landes
Retirement savings IRA

You have more time than you might think to contribute to your traditional and Roth IRAs. Rather than an end-of-year deadline, you have until you file your taxes to make that contribution. Federal taxes for 2016 will be due on April 17, 2017, so this is the deadline for establishing and contributing to your 2016 […]

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