Why did some sectors rise more than others? Wall Street likes certainty and… Wall Street likes certainty. When startling financial, political, or societal events occur, volatility usually follows, and the major indices may fall. In late October, the Dow Jones Industrial Average went on a multi-day losing streak as Donald Trump caught up to […]
The post The Intriguing Post-Election Rally appeared first on http://ift.tt/1GYra0m
Seven aspects of your financial life to review as the year draws to a close. The end of a year makes us think about last-minute things we need to address and good habits we want to start keeping. To that end, here are seven aspects of your financial life to think about as this […]
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Here are some things you might want to do before saying goodbye to 2016. What has changed for you in 2016? Did you start a new job or leave a job behind? Did you retire? Did you start a family? If notable changes occurred in your personal or professional life, then you will want […]
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Some things you have no influence over. You may have some power to affect other factors… Are you worried about retiring? Many baby boomers are, and they have reason to be, given low interest rates, subpar returns on equities, increasing health care costs, and the issues facing Social Security. Now, do yourself a favor. […]
The post What You Can and Cannot Control as You Plan for Retirement appeared first on http://ift.tt/1GYra0m
Try living as a “retiree” for a month or two before you commit to leaving your career… Imagine if you could preview your retirement in advance. In a sense, you can. Financially and mentally, you can “rehearse” for the third act of your life, while still enjoying the second. Pretend you are retired for […]
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Without such strategies, they can risk going through their savings too fast… Every day, articles appear urging people to save for retirement. These articles are so prevalent that it may seem like retirement planning is entirely about getting people to save. Actually, retirement planning concerns much more than that. It has another aspect well worth […]
The post Retirees Should Have Spending Plans? appeared first on http://ift.tt/1GYra0m
Steps to see that financial matters remain in good order… When a spouse passes away, the emotion and magnitude of the loss can send our lives reeling. This profound change can also affect our finances. All at once, we have a to-do list before us, and the responsibility of it can make us feel pressured. […]
The post What to Do Financially When Your Spouse Dies appeared first on http://ift.tt/1GYra0m
If you live to 100, can you avoid outliving your money? Will you live to 100? Your odds of becoming a centenarian may be improving. Earlier this year, the Centers for Disease Control reported that the population of Americans aged 100 or older rose 44% between 2000-2014. The Pew Research Center says that the world […]
The post Funding 35-40 Years of Retirement? appeared first on http://ift.tt/1GYra0m
Retirees will get only a few dollars more per month in 2017. The average Social Security recipient will get a $5 raise next year. Yes, a whopping $5 per month. In 2017, Social Security’s mean monthly benefit is projected to rise – from the current $1,355 – by this scant amount, all because of low […]
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A look at this easy-to-administer retirement program. Do you want a simple retirement plan? A plan you can implement easily as an independent contractor or small business owner, without a lot of paperwork? A SIMPLE IRA may be the answer. A SIMPLE IRA plan gives you a tax break, while giving you and your employees […]
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Dispelling some misperceptions about the program. Some myths & misperceptions keep circulating about Social Security. These are worth dispelling, as more and more baby boomers are becoming eligible for their retirement benefits. Myth #1: Social Security will go away before you do. The federal government has announced that Social Security may become insolvent between 2033 […]
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The top financial considerations for those ready to make a move. Switching from one job to another can literally pay off. Data from payroll processing giant ADP confirms that statement. In the first quarter of this year, the average job hopper realized a 6% pay boost. The salary increase averaged 11% for workers younger than […]
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Some costs could rise, fall or even disappear. Your retirement may seem near at hand or far away, but one thing is certain: your future will differ from your present. Financially, that fact is worth remembering. Some of the costs you have paid regularly all these years may suddenly decrease or fade away. Others may […]
The post What Expenses Could Change When You Retire? appeared first on http://ift.tt/1GYra0m
Before you make any extra mortgage payments, consider some factors. Should you own your home free and clear before you retire? At first glance, the answer would seem to be “absolutely, if at all possible.” Retiring with less debt … isn’t that a good thing? Why not make a few extra mortgage payments to get […]
The post Should You Pay Off Your Home Before You Retire? appeared first on http://ift.tt/1GYra0m
New statistics point out an alarming financial problem. $6,876. That is the average amount of credit card debt owed by an American household headed up by an individual aged 65-69.1 If you are newly retired or close to retiring, that figure may alarm you. It is more than twice the amount of Social Security’s maximum […]
The post Retirees Are Racking Up Credit Card Debt? appeared first on http://birofinancial.com
The habits and values of wealthy Americans. Just how many millionaires does America have? By the latest estimation of Spectrem Group, a research firm studying affluent and high net worth investors, it has more than ever before. In 2015, the U.S. had 10.4 million households with assets of $1 million or greater, aside from […]
The post Characteristics of the Millionaires Next Door? appeared first on http://ift.tt/1GYra0m
Too many Americans have no life insurance. Their loved ones may pay dearly for that choice. September is National Life Insurance Awareness Month – a good time to think about the value and importance of insuring yourself. According to a recent Bankrate survey, 42% of Americans have no life insurance at all. They may […]
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A look at some popular & obscure options for receiving money with little or no tax. Will you receive tax-free money in retirement? Some retirees do. You should know about some of your options for tax-free retirement distributions, some of which are less publicized than others. Qualified distributions from Roth accounts are tax-free. If you […]
The post Are There Really Tax-Free Retirement Plan Distributions? appeared first on http://ift.tt/1GYra0m
Besides the death benefit, it may also help you financially during your life. As Bankrate.com noted, 43% of Americans have no life insurance… Some view it as optional; some have simply procrastinated when it comes to buying a policy. Others believe that they can’t afford it.1 In reality, life insurance is cheap today. […]
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Life insurance choices can be confusing. Man is Mortal. That makes life insurance a little unique and interesting, doesn’t it? We purchase things like health insurance, car insurance and home insurance, then hope we never have a need to use them. Life insurance is different because it’s a widely accepted fact that, sooner or […]
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How do they differ? Seemingly every presidential candidate offers a plan for tax reform. You can add Donald Trump and Hillary Clinton to that long list. Here is a look at their tax plans, and the key reforms to federal tax law that might result if they were enacted. Donald Trump revised his tax […]
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How can households meet the challenge? Are prescription drug costs burdening your finances? This problem is far too common today… Consider the price tag of some of the drugs …used to treat arthritis, hepatitis C, cancer, and multiple sclerosis. A Kaiser Family Foundation study notes that the cost of medications such as Zytiga, Humira, […]
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Why do so many people choose it rather than a traditional IRA? The Roth IRA changed the whole retirement savings perspective. Since its introduction, it has become a fixture in many retirement planning strategies. The key argument for going Roth can be summed up in a sentence: Paying taxes on retirement contributions today is […]
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The answer depends on your income. Your Social Security income could be taxed. That may seem unfair, or unfathomable. Regardless of how you feel about it, it is a possibility. Seniors have had to contend with this possibility since 1984. Social Security benefits became taxable above certain yearly income thresholds in that year. Frustratingly […]
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Have you been putting it off? According to the insurance industry group LIMRA and the nonprofit Life Happens, 43% of Americans have no life insurance.1 Why don’t more young adults buy life insurance? Shopping for life insurance may seem confusing, boring, or unnecessary. Yet when you have kids, get married, buy a house or […]
The post Life Insurance … Is It Time? appeared first on http://ift.tt/1GYra0m
When should you review it? What should you review? An estate plan has three objectives. The first goal is to preserve your accumulated wealth. The second goal is to express who will receive your assets after your death. The third goal is to state who will make medical and financial decisions on your behalf […]
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They may affect our attempts to build wealth. Picture an 18-wheeler, its 4,000-cubic-foot cargo trailer filled to capacity with stacks of $100 bills. The driver shuts and locks the trailer, closing the door on roughly $10 billion… …Now imagine that truck driving off to a landfill, where that $10 billion will be dumped, shredded […]
The post Do Our Biases Inhibit Our Retirement Savings Efforts? appeared first on http://ift.tt/1GYra0m
Sometimes planning for retirement isn’t entirely about money. How many words have been written about retirement? It’s a preoccupation for many, and we devote so much time, thought, and energy toward saving for the last day we go to work. Saving and investing in such a way that we no longer have to work […]
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How to help your family avoid scams and other fraud. We are becoming more familiar with the notion of financial abuse targeting elders – scams and other exploitation targeting the savings of people aged 60 and older… …but many may think, “it won’t happen to my family” or “my relative is too smart to be […]
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What does history tell us – and should we value it? As an investor, you know that past performance is no guarantee of future success. Expanding that truth, history has no bearing on the future of Wall Street. That said, stock market historians have repeatedly analyzed market behavior in presidential election years, and what […]
The post Stocks & Presidential Elections? appeared first on http://ift.tt/1GYra0m
Plan to create a pool of healthcare dollars that you can use when the time comes. How will you pay for long-term care? At the moment, you may not be able to answer that question – but long-term care insurance can provide an answer for you. Why are baby boomers opting to make long-term […]
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Some early financial behaviors that may promote a comfortable future. You know you should start saving for retirement before you turn 40. What can you start doing today to make that effort more productive, to improve your chances of ending up with more retirement money, rather than less? Structure your budget with the future […]
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Financially speaking, what do some households do right? Why do some households tread water financially while others make progress? Does it come down to habits? Sometimes the difference starts there. A household that prioritizes paying itself first may end up in much better financial shape in the long run than other households. Some families […]
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You must avoid it. Think about tomorrow, not just today. No woman wants to end up a “bag lady” – impoverished, out of options, left to fend for herself on the streets. Only a tiny percentage of women from affluent households will experience this retirement nightmare, but that does not mean the risk should […]
The post Do You Have Bag Lady Syndrome? appeared first on http://ift.tt/1GYra0m
Wall Street has rebounded so many times, so quickly. Uncertainty is the hobgoblin of financial markets. Right now, investors are contending with it daily as the European Union contends with the United Kingdom’s apparent exit. Globally, many institutional investors have responded to this uncertainty by selling. Should American retirement savers follow their lead? […]
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Help make things easier for your loved ones when you leave this world. Who wants to leave this world with their financial affairs in good order? We all do, right? None of us wants to leave a collection of financial mysteries for our spouse or our children to solve. What we want and what […]
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Women & Retirement Perceptions. Will the reality of retirement live up to expectations? After 55, do women think more about retirement than men? One recent survey found that to be true. Fidelity Investments polled 12,000 retirement savers 55 and older and found that, within the past 24 months, 59% of women had seriously thought about […]
The post Do Women Think More About Retirement Than Men? appeared first on http://ift.tt/1GYra0m
The change has been gradual but notable & carries over to retirement planning. More women have become the primary wage earners in their households. Generations ago, life and financial roles were cut and dried according to gender. Man: breadwinner. Woman: homemaker. Those stereotypes have, thankfully, shattered. According to the Bureau of Labor Statistics, 38% […]
The post How Women Have Assumed a Larger Role in Family Finance? appeared first on http://ift.tt/1GYra0m
The steps toward a post-divorce action plan. A divorce is one of the most stressful circumstances a woman can experience. It can leave you feeling as if some things are beyond your control. Do not let that feeling interfere with your effort to maintain control over your financial life. Financial planning after a […]
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If so, how can they plan to meet those challenges? A new study has raised eyebrows about the retirement prospects of women. It comes from the National Institute on Retirement Security, a non-profit, non-partisan research organization based in Washington, D.C. Studying 2012 U.S. Census data, NRIS found that women aged 65 and older had […]
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At some point, someone you love may make the transition from living at home to residing at an assisted-living facility or nursing home. When should that transition occur, and what factors must be considered along the way? And what don’t these facilities tell you? When is it time? If an elder is a) safe […]
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Financially speaking, what do some households do right? Why do some households tread water financially while others make progress? Does it come down to habits? Sometimes the difference starts there. A household that prioritizes paying itself first may end up in much better financial shape in the long run than other households. Some […]
The post Money Habits That May Help You Become Wealthier appeared first on http://ift.tt/1GYra0m
What degree of difference could they make for you in retirement? At a certain age, you are allowed to boost your yearly retirement account contributions. For example, you can direct an extra $1,000 per year into a Roth or traditional IRA starting in the year you turn 50.1 Your initial reaction to that […]
The post What Are Catch-Up Contributions Really Worth? appeared first on http://ift.tt/1GYra0m
Doing the right things at the right time may leave you wealthier later. What can you do to start building wealth before age 35? You know time is your friend and that the earlier you begin saving and investing for the future, the better your financial prospects may become. So what steps should you […]
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Some life & financial factors that can be overlooked. We all have a “blue sky” vision of the way retirement should be, yet it helps to plan for retirement with a little pragmatism. Fate may alter the course of our retirement in ways we do not currently anticipate. So, as we plan for the next […]
The post Do You Have Retirement Blindspots? appeared first on http://ift.tt/1GYra0m
These spending and investing precepts may encourage its longevity. All retirees want their money to last a lifetime. There is no guarantee it will, but, in pursuit of that goal, households may want to adopt a couple of spending and investing precepts… All retirees want their money to last a lifetime. There is […]
The post How Can You Make Your Retirement Money Last? appeared first on http://ift.tt/1GYra0m
What are the biggest risks to our lives? Some are overblown… What are the major risks to our lives? If we look at the statistics of what claims lives, some of our collective fears look unfounded. According to the Centers for Disease Control’s most recent tally, 614,438 Americans died of heart disease in […]
The post The Things Most Likely to Kill Us? appeared first on http://ift.tt/1GYra0m
Have our memories of the Great Recession altered our habits? Consumer spending accounts for more than two-thirds of economic activity in the United States. Lately, that spending has moderated. Across the 12 months ending in March, personal spending advanced 3.4%. That matched the gain seen in 2015.1,2 Is a 3.4% annualized gain […]
The post Why Are We Saving More and Spending Less? appeared first on http://ift.tt/1GYra0m
Does sticking with the same firm actually hurt your financial potential? If you spend two years or less at a series of jobs, is that a problem? Shouldn’t your resume signal loyalty instead of transience? Well, maybe it isn’t a problem. Maybe you are doing yourself a financial favor instead, especially in this […]
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Should you change jobs in pursuit of them? Or position yourself in a new way at work? Is your career unfolding as it should? If not, maybe it is time for a change; either a change of jobs, or a change in your role at your workplace. Pay attention to the signals of […]
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Some simple steps may make a major financial difference over time. If you are younger than 35, saving for retirement may not feel like a priority. After all, retirement may be 30 years away; if your employer does not sponsor a retirement plan, there may be less incentive for you to start. […]
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If you have a Costco AMEX card, you should be preparing for the transition to VISA. The longstanding, exclusive partnership between Costco and American Express is coming to an end. If you have a Costco AMEX card, what does this mean for you? In May or June, you should get your new Costco […]
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Some life & financial factors that can be overlooked. We all have a “blue sky” vision of the way retirement should be… yet it helps to plan for retirement with a little pragmatism. Fate may alter the course of our retirement in ways we do not currently anticipate. So, as we plan for […]
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Let them know how they will receive retirement assets and insurance benefits… Will your heirs receive a fair share of your wealth? Will your invested assets go where you want them to when you die? If you have a proper will or estate plan in place, you will likely answer “yes” to both of […]
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Is It Time to Annuitize? It just might be. Here’s why baby boomers are choosing immediate annuities… Worried about outliving your money? You share that fear with many baby boomers. No one wants to spend their last dollar before the last day of their life. Since you can’t tell when that day will be, […]
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As you invest, are you receiving the service and resources you deserve? How much do you pay for wealth management? About $1,000 a month? More than that? If your account is $1 million or larger, that may be the case. Typically, wealth management firms provide their services for an annual fee approximating 1% of the […]
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One of the world’s most heralded investors simply keeps calm and carries on. If you ask someone who the “world’s greatest investor” is, the answer more often than not may be “Warren Buffett.” That honor has never formally been awarded to him, and many other names might be in the running for that hypothetical […]
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That development may mean lifestyle as well as financial adjustments. Your significant other may retire later than you do. Sometimes that reality reflects an age difference, other times one person wants to keep working for income or health coverage reasons… If you retire years before your spouse or partner does, you may want to […]
The post You Retire, But Your Spouse Still Works? appeared first on http://ift.tt/1GYra0m
Some retirees save a great deal of money by doing so; others do not. You want to retire, and you own a large home that is nearly or fully paid off. The kids are gone, but the upkeep costs haven’t fallen… Should you retire and keep your home? Or sell your home and retire? […]
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When stocks struggle or tread water, going Roth gains merit. Converting a traditional IRA to a Roth IRA is no easy decision. After all, it is a taxable event. When the stock market is down or sluggish, however, a Roth conversion has more appeal… Traditional IRA owners “go Roth” for some very good reasons. […]
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The article Volatility Is Not Risk was first published to Scottsdale Retirement News
The two should not be confused. What is risk? To the conservative investor, risk is a negative. To the opportunistic investor, risk is a factor to tolerate and accept…
Why Aren’t You Maxing Out Your 401k? was first seen on http://ift.tt/1GYra0m
It may be the best retirement planning tool you have.
Could Social Security Really Go Away? is courtesy of Jeffrey Biro Financial Planner
Just how gloomy does its future look? Will Social Security run out of money in the 2030s?
The following post Money Concerns for Those Remarrying is courtesy of http://ift.tt/1GYra0m
Some of us will marry again in retirement. How many of us will thoroughly understand the financial implications that may come with tying the knot later in life?
ABLE Accounts for Loved Ones with Disabilities was first seen on Scottsdale Retirement News
Families with special needs children have a new tax-advantaged savings option. The ABLE account, also called a 529A savings account, is patterned after the popular 529 savings plan created to help parents save for a child’s higher education.
The blog post Financial Planning with Health Insurance in Mind was originally published to http://ift.tt/1GYra0m
How much might health care cost you someday? “Financially speaking, what would be the worst thing that could happen to you?” If you ask a hundred people in their forties that question…
The IRS Has Made Changes to 529 Plans was first published on Jeffrey Biro Financial Planner
Learn about the two new tax perks for these college savings vehicles. Do you have a 529 plan account? Then you will want to know about a pair of federal tax law changes which may benefit you and your student, one involving a February 16 deadline…
The Investment Needs of Non-Profits is courtesy of Jeffrey Biro Financial Planner
Just like households, charities and other groups need wealth-building strategies. As non-profit organizations grow, they also need to grow and preserve wealth.
Should You Plan to Retire on 80% of Your Income? was originally published on http://ift.tt/1GYra0m
Examining a long-held retirement planning assumption. A classic retirement planning rule states that you should retire on 80% of the income you earned in your last year of work. Is this old axiom still true, or does it need reconsidering?
Reducing the Risk of Outliving Your Money See more on: Jeffrey Biro Financial Planner
What steps might help you sustain and grow your retirement savings?
Trend & Momentum Investing See more on: Biro Retirement Services
Should you consider these approaches?
The post Dollar Cost Averaging in a Down Market Read more on: Biro Financial News
This investment technique may help you take advantage of the downturn.
The following article Retirement Now vs. Retirement Then Read more on: Biro Retirement Services
Today’s retirees must be more self-reliant than their predecessors.
The article Making Investment Decisions Information vs. instinct Find more on: http://ift.tt/1GYra0m
Are your investment choices based on evidence or emotion?
The blog post Should We Break Up the Big Banks? is available on Biro Financial News
Should We Break Up the Big Banks? One Federal Reserve official says we should rethink our financial system…
Consider an IRA Charitable Rollover if You Want to Help a Non-profit Read more on: http://ift.tt/1GYra0m
If you want a tax break and want to help a non-profit, this may be a good move…
Should You File Your Taxes Jointly, Or Not? is available on Biro Retirement Services
For many married couples, filing jointly is a good idea, but there are exceptions…
In-Kind Distributions from IRAs is republished from http://ift.tt/1GYra0m
Yes, you can take an IRA distribution in the form of an investment. This may surprise you: you can take an IRA distribution in a form other than cash. This may seem unorthodox…
Building a College Fund For Your Kids at an Early Age Find more on: http://ift.tt/1GYra0m
Do it smartly, without the all-too-common missteps…
College Funding Options For Parents was first seen on http://ift.tt/1HV0AEo
You can plan to meet the costs through a variety of methods. How can you cover your child’s future college costs? Saving early (and often) may be the key for most families. Here are some college savings vehicles to consider.
The following post White House Proposes Changes to Retirement Plans was originally published to http://ift.tt/1GYra0m
A look at some of the ideas contained in the 2017 federal budget.
The IRS Changes to 529 Plans is republished from Biro Retirement Services
Learn about the two new tax perks for these college savings vehicles. Do you have a 529 plan account? Then you will want to know about a pair of federal tax law changes which may benefit you and your student, one involving a February 16 deadline…
UGMA & UTMA Custodial Accounts is republished from http://ift.tt/1HV0AEo
Vehicles designed to help you amass college savings & make gifts to minors…
The following post Holding Real Estate in an IRA was originally seen on Biro Financial News
Is this unorthodox investment idea under-appreciated? You can invest your IRA assets in different ways. Should you invest a portion of those assets in real estate?
The following blog post The Chapters of Retirement Find more on: Biro Retirement Services
The five phases of life after 50 & the considerations that accompany them…
When Will Stocks Stabilize? was first seen on Scottsdale Retirement News
How deep will this correction ultimately be? January may prove to be the worst month for stocks in eight years…
The Lottery Is Not a Retirement Plan was originally published to http://ift.tt/1zy8js2
Pay yourself first instead, with your future in mind…
Will You Avoid These Estate Planning Mistakes? was originally seen on http://ift.tt/1Qf2CkK
Too many wealthy households commit these common blunders. Many people plan their estates diligently, with input from legal, tax, and financial professionals, but…
China’s Stock Market Turmoil Affecting the USA? was originally published to Biro Retirement Services
Can U.S. shares hold up in the wake of January’s shocks? On January 7, China halted stock trading for the second time in four days…
The following article Why You Should Stay in Stocks in 2016 was originally published on - Biro Financial & Retirement Services
The stock market has wavered recently. A lackluster year just ended, and this year has started inauspiciously. You may be wondering … should you really be invested in stocks right now?
Making & Keeping Financial New Year’s Resolutions Find more on: http://ift.tt/1zy8js2
What you might do (or do differently) in the months ahead? How will your money habits change in 2016? What decisions or behaviors might help your personal finances, your retirement prospects, or your net worth?
Smart Financial Moves in Your 20s, 30s, 40s & 50s is available on http://ift.tt/1zy8js2
What might you think of doing when? If you had a timeline of the financial steps you should probably take in life, what would it look like? Answers to that question will vary, but certain times of life do call for certain financial moves. Some should be made out of caution, others out of [...]
The following blog post Congress Gives Some “Holiday Gifts” to Taxpayers is republished from Biro Financial News
Some key federal tax breaks are made permanent… at last. During the past few Decembers, taxpayers and tax preparers have waited anxiously for Congress to rescue expiring federal tax provisions…
Are Gen Xers Planning for Retirement the Right Way? is courtesy of http://ift.tt/1zy8js2
Some are planning wisely, but others are beset by mistakes. Generation X has become the new “sandwich” generation. Many Americans born during the years 1965-80 are finding themselves caring for aging parents and growing kids at once…
Coping With a Type 2 Diabetes Diagnosis Read more on: http://ift.tt/1HV0AEo
Part of a series on how to care for your aging parents. Every tenth American adult has diabetes. That may sound like an outrageous statement, but it was a claim recently made by the Centers for Disease Control and Prevention…
The Fed Makes Its Move was first published on http://ift.tt/1zy8js2
Wall Street rallies as interest rates rise for the first time since 2006…
How Could a Fed Rate Hike Affect Retirees? was first published on http://ift.tt/1Qf2CkK
As the central bank starts tightening, some positives & negatives may emerge including…
Did You Hear What Just Happened With Social Security? Read more on: http://ift.tt/1zy8js2
Congress just eliminated two popular strategies used to get greater retirement benefits. If you want to claim Social Security benefits soon, keep a date & a number in mind because…
How Women Can Narrow the Retirement Saving Gender Gap Read more on: Biro Retirement Services
Steps toward saving more & revitalizing your retirement strategy. When it comes to retirement saving, many women lag behind many men. Historically, that has been the case. The 2015 edition of Financial Finesse’s annual survey…
The following post What Investors Can Be Thankful About 2016 Find more on: Scottsdale Retirement News
Accentuating the positive during a challenging year for Wall Street. Terrorist shocks, the Russia-Turkey spat, the possibility of a fractured eurozone, the wild ride for Chinese equities and the global manufacturing slump, just to name a few but …
The Pros & Cons of Roth IRA Conversions 2016 is republished from http://ift.tt/1zy8js2
What are the potential benefits? What are the drawbacks?
A Look Back at Economics in 2015 was first published to Scottsdale Retirement News
While the S&P 500 surprised to the upside in 2014 versus the projections of many analysts, it has performed below expectations so far in 2015. As this year began, not many Wall Street pros thought the index would tread water…
