Thanksgiving Respite

The election is behind us, the rancor is dying down, and we are coming off the turkey high … time for a Thanksgiving Respite. That means nothing too heavy this week, mostly light reading.

Thanksgiving Respite: One heavy one – do yourself a favor, read it.
There was plenty to dislike about the election which just past. One thing that particularly irks me, though, is the lack of focus on the Federal Debt.  This Looming Crisis Could Ruin Many

Thanksgiving Respite: Miscellany to lighten up your long weekend.
Most of you likely listen to classical, if not, you should. Why Our Brains Respond Differently to Classical Music
If you are like me, you run your iPhone storage to the limit. Here’s a trick worth knowing. Instantly Free Up Storage on an iPhone by Downloading (then deleting) a Huge App
If you enjoy traveling and our National Parks, you will love this site. Browse & Download 1,198 Free High Resolution Maps of US National Parks
Speaking of traveling, I always advocate saving money on tickets. 4 Apps Airlines Don’t Want You to Know About
If you like completely useless information (perhaps even depressing), or fast food, this site is for you. These maps show how 15 fast food chains dominate in America
If you are a closet geek, or just like to prove things now and again, you will love this one. Microsoft co-founder’s academic search engine adds neuroscience

Thanksgiving Respite: One truly valuable tip for your weekend.
It is not all dumb stuff, here’s something you might need. iPhone update adds a hidden way to call police in an emergency

Retirement Status

With the election just behind us and year-end just ahead it is time to seriously consider your retirement status. Why not start with a behavioral check-up: are you doing the right things and enough of them? Follow that with a quick look at what a Trump administration might mean for your savings. If that scares you away – or the election did – by all means save money on your international flights!

Retirement Status: No time like the present to have a close look
First and foremost, don’t be overconfident. Americans have a dismal track record on saving for retirement. Do yourself a favor and stay on it.  Think you’re prepared for retirement? Answer these six questions.
We often focus on longevity here, a corollary to that is aggressiveness. Since you will be retired for a long time, you need to invest appropriately. The old rules may not apply. 60% of Americans Invest Too Conservatively for Retirement, Study Shows
Always be looking for good tips. 3 Fantastic Retirement Tips and Tricks
Then, of course, we really do not know what a Trump Presidency will bring. So, be cautious and look for opportunities. How Trump Could Change the Retirement Landscape An Unexpected $12 Trillion Hole Emerges in Donald Trump’s Plan to “Make America Great Again”

Retirement Status: Tips if you plan to leave the US now (Kanye, Miley, Whoopi, etc.)
You may as well leave on the cheap, and I have come across a whole lot of good ideas on how. Revealed, the Secret Travel Tips that Airlines Don’t Want You to Know
Here is Why Using Google Flight Track Can Save You Serious Money
Never book flights on Fridays – and eight other tips for getting cheap airfares
I’ve Accidentally Discovered a Way to Save up to 75% on American Tickets

Veteran’s Day

Veteran’s Day is one of those once forgotten, newly revitalized holidays I am glad to say has gotten some legs since 9/11/01. Our veterans, along with our Firefighters and Police, gained a new level of respect and admiration in the wake of the cowardly attacks that day. I will not delve into the Presidential election here, except to note that one of the pillars of Donald Trump’s rhetoric was to treat our veterans better. I hope his team holds him to that oft repeated refrain. Indeed, all three of these classes of people, proud servants of the general populace, deserve our respect, admiration and hearty defense.

Veteran’s Day: Just how many are we thanking today?
Your job today is to find a veteran and say thanks, literally. Depending upon where you look, it appears there are about 18 million vets out there … lest we forget active service, too!  The US Veteran Population
If you want to take a ‘deep dive’ into the data, here’s your best bet, e.g. MN has 369K vets and ME has 127K (latest data). National Center for Veterans Analysis and Statistics
Perhaps most interesting … and worth clicking through to from here … is a view of the demographics. Projected Veteran Population 2013 – 2043

Folksy Investing

I am always looking for the finest analysis to share, this week I turn to Folksy Investing. This article Getting Asset Allocation Right for Retirement struck me with how simple and folksy it was. No doubt Henry is a retired aeronautical engineer … or line worker … from Boeing, still his advice is simple. Sometimes I think it pays to go with what feels right.
Folksy Investing: Henry uses 105 as a baseline, how long will your retirement go?
It is a common refrain here, longevity is a giant variable in your retirement planning. Annuities can often help moderate that longevity risk.  Are You Missing Out on Guaranteed Income Because of These 5 Misconceptions?

We often talk about healthcare costs in retirement and inflation is a concern, too. In this low return world even low inflation can make a difference. Inflation is Coming Back – What Does That Mean for You?
Speaking of healthcare cost in retirement, here’s another good primer on that. Retirement health care estimates vs. reality
Finally, here is a nice summation of the risks you face, including the three we are focusing in on today. Navigating 5 critical retirement risks
 

Folksy Investing: Some more good tools and tips for your retirement.
We often highlight dividend stocks as a means of generating income. How will they fare in any downturn, though? You certainly don’t want to lose a whole lot of principal. 3 Reliable Dividend Stocks Yielding 7% or More
So how do you handle the ups and downs of markets? Your nest egg will vary in value over time, is there a way to account for that? Here is one idea. Ratcheting Up Retirement Spending
So what are the odds markets will correct? Who knows? Some say the election will do it, if Trump wins. Others say it is all ‘baked in’ already. Perhaps ask yourself are things as good as markets would indicate? Unemployment rate is 4.9%, but a more realistic rate is higher than that and The Story of Durable Goods is the Story of the (Global) Economy
This may be too little, too late, given the proximity of the election, but … The philosophy of Marcus Aurelius is supposed to make you be more resilient and at peace – here’s how to master it in 7 days
Speaking of the election, you may want these tips, too. A new travel app is offering the lowest flight prices we’ve ever seen and Surprise! This Cruise is Actually on a Luxury Yacht, and It’s Everything Anti-Cruisers Could Hope For

Retirement: How Long, How Much?

We often highlight the impacts of longevity on retirement. This week we look at Retirement: How Long, How Much? What are the practical implications of a longer life? What is a safe withdrawal rate? Save as much as you can when working, that is the first step. Knowing how much you can take and how long you need to take it is vital.

Retirement: How Long, How Much?
So, just how long will you live in retirement? No one knows for certain, but it is wise to know the odds and the outside shot.  Retirement Planning for a 115-Year Life Expectancy
Once you have a sense for how long you will be in retirement you can start on how much you need in retirement.  Use the FI Formula to Find Out How Much You Need to Be Financially Independent
That FI Formula still leaves the open question about the 4% rule. Just how much is a safe withdrawal rate? Look at the actual study to fill in some of the gaps in that story. Safe withdrawal rates
Not surprisingly Vanguard has an opinion on withdrawal rates. It makes sense, but is it right for you? Vanguard’s New Model for Retirement Spending in Low-Yield Market

Retirement: How Long, How Much? – Perhaps there are other ways to think about it.
Some of you may be thinking about running away from the US after November 8. We have covered the topic before, but here are some reminders on what to consider. How to Manage Your Finances When You Retire Overseas
If you don’t want to bite the bullet and move overseas, this option still gets you offshore? 6 Reasons a Cruise Ship is the Best Retirement Option
Keeping with the overseas perspective, are we doing everything right here? Australia and New Zealand certainly are better positioned and here’s why. Our legislators should take note. What U.S. Retirees Can Learn from New Zealand and Australia
Regardless your view of longevity and even safe withdrawal rate, generate as much income as you can. Dividends are one approach worth considering. There are always new options to consider. This Dividend ETF Does Your Investing For You
Is dividend investing right for you or as part of your investment strategy? This article might help you consider just that. Why do Some People Like Dividends So Much?

Retirement: How Long, How Much? – What comes after November 8.
So, will there be an implication on the economy? Here’s an interesting viewpoint. Could Hillary Clinton be the Next Herbert Hoover?
Maybe it will happen, maybe it is already priced in already. Is there a smart answer to hedge your bets? How to Hedge the S&P 500 with a Minimum Return of 7%
Maybe you are better off reading a book. Top 10 Books that Will Change Your Life in 2016

Retirement Planning

Retirement planning is vital to achieving a happy, sustainable lifestyle after work. The earlier you begin planning … and executing your plan … the more likely you will achieve your goals. It never hurts to validate your planning and to be aware of the environment. Those two things are our focus this week.

Retirement Planning – never stop validating your plan.
It never hurts to get tips, especially if they are from “experts.” You know I like #7 and #10 on the list. Financial Experts Reveal Retirement Planning Secrets
This article hits a few of our common themes like healthcare costs and longevity. It also touches on some details you do not want to miss. It takes a lot of work to be ready to retire. Don’t forget these things.
It is always good to consider the pitfalls in planning. Hopefully this will help you avoid these common traps. 25 Hidden Obstacles That Keep You From Retiring Comfortably
This is a little bit in the weeds, but an interesting comparison. How should you manage your money as you save for retirement? Betterment vs. Vanguard: Which Should Retirement Investors Choose
If you are still young, and I hope you are, these tips will help, too. How much a 20-something needs to save every month to retire with $5 million

Retirement Planning – understand the environment.
Plenty of doomsayers out there these days, after a long, bull run on Wall Street. Still, this seems to be a pretty well reasoned view, and it warrants consideration. Recession in 2017 for Clinton, Trump or Johnson
In the same vein, albeit focused on Wall Street, this article makes some good points. Most notably, it highlights the cheap money fuel for the Wall Street run. Markets Could Be in for a Long Correction
That fundamental weakness highlighted above positions the market for this issue. As ‘smart money’ pressures the weakest stocks down. Short-selling could sweep stock market if inflation pushes up borrowing costs
This is not just a US or US/EU problem. Chinese banks might need as much as $1.7 trillion in capital

Retirement Planning – maintain a normal, non retirement planning, life, too.
Everyone likes to save money. This is an easy one with Amazon. Hot! Amazon $60 Total Credits Towards Tablets, Cameras & More Prime Members
Inasmuch as we are trying to save money, doing so on airfare is particularly satisfying. How to Find Airline Mistake Fares (Get Ridiculously Cheap Flights)
Since you are flying somewhere cheap, might as well have a goal. The Best Airplane Bars: Yes, There are Mixologists in the Sky
If you are an iPhone user, become a better iPhone user. iPhone memory full? How to free memory on your iPhone. The 25 best hidden features and tricks in your iPhone’s latest update

Optimized Retirement

This week we have a hard look at your optimized retirement. Make sure you are not missing something in your retirement planning. Plus, keep a keen eye on your retirement plan … what is your goal and what is your strategy?

Optimized Retirement – never miss a trick.
If you are like most, you are behind the curve on saving. Here are some tips to beef it up as quickly as you can. 7 Retirement Planning Steps Late Starters Must Take
We can’t say it enough, make the most of your tax advantaged retirement plans. Four 401(k) Benefits You Should Take Advantage Of
This is not what you may think … beware of concentration in one company’s stock … your company. Wells Fargo Is Your Last Warning: Check Your 401(k)
No surprise here, but the mistake is pretty simple, be more aggressive. Over 50% of Americans are Making This Colossal Mistake How to Get Over Your Worries and Invest Like You Should for Retirement
If you are close to retirement, read this now. 5 Things Near-Retirees Need to Do Before Calling it a Career

Optimized Retirement – do your planning and start early.
This one is not precise, but it is thought provoking, and that is what matters. How Do You Know How Much Income You Need In Retirement?
Planning is great, but you need to act, too. Here are some reminders on that front. Retirement Planning Moves to Make Right Now
Here is an interesting blog focused on retirement income planning. Fish around, you may find something that strikes a chord. The Retirement Cafe
This blog is a little more basic, explaining some fundamentals, but that does not mean it is not worth a look. The difference between a managed fund and an index fund, for example, may be a worthwhile read for some. AssetBuilder

Optimized Retirement – this crazy election threatens to tear us apart, don’t let it.
For one thing, this is not the first time. The Top 10 Ways 2016 Presidential Politics Are So 1840
Now I will say this again, for those who get this far down, I take no side in this and feel everyone should educate themselves about each candidate … since most agree there is no perfect solution this time. So, with that in mind, I give you some interesting background reading. Even critics underestimate how catastrophically bad the Hillary Clinton-led NATO bombing of Libya was The Daily Trump The Clinton Russia Fiction HSBC case blows lid off Clintons’ offshore empire

Retirement Income

We tend to focus mostly on longevity risk and optimizing savings, but generating retirement income is the ultimate trick. Once you transition from accumulation to distribution, the question becomes how best to generate income and preserve principal. You strike this balance to account for the longevity risk you hopefully face. This week we share some recent commentary on this vital piece of your retirement puzzle.

Retirement Income – maximizing income while preserving principal.
One simple, popular approach to maintaining this balance is ‘buckets of money.’ A side benefit here is some insulation from market corrections. How Do I Use the Bucket Approach for Retirement Income
If for no other reason, read this for the opening statistics. You will thank me for knowing this. Ways to Turn Retirement Savings Into Income for Life
In our last installment we talked about dividends in a Roth IRA. Take the leverage the government gives you. In a heated market like this, dividend investing gets trickier. Still, it is good to keep a keen eye on good investments. 10 High-Dividend Stocks for Safe Retirement Income

Retirement Income – understand the impact of the world economy.
One thing is certain, this does not happen in a vacuum. Stay abreast of economic happenings. Presenting: The most important charts in the world from the brightest minds on Wall Street
Everyone knows that low interest rates have a dramatic effect on markets. In light of the fact that retirement savers tend to be conservative, this is the most important consequence. The Fed Put a 50% Tax on Your Retirement Plan
At the risk of being a doomsayer, there’s an entirely different environment to consider. The actual environment, and what can you do about it? Will it have a bearing on your retirement? The younger you are, the more it will. The world reached three dangerous climate change milestones this summer The world passes 400ppm carbon dioxide threshold. Permanently.

Retirement Income – it’s Friday, live a little.
Tonight is a rare occurrence, not unheard of, rare. The Black Moon, second new moon in a month. It’s a reason to go outside tonight. A ‘black moon’ is rising, but Earth will be just fine
Plus, NASA released this video of Jupiter’s clouds from a flyby, astonishing. NASA just released a haunting video of Jupiter’s clouds

Retirement and Travel

In the wake of the first 2016 Presidential debate, it seems fitting to focus on your retirement and travel. We have the two most disliked candidates and a bevy of possible downside scenarios. So locking down your best possible retirement and using travel to escape seem like reasonable areas of focus.

Retirement and Travel – first ensure you lock down the best possible retirement.
The easiest way to ensure your best retirement is by not making mistakes. Here is a list of easy ones – probably focus on the last two, being too conservative or too aggressive. 5 Simple Mistakes That Could Ruin Your Retirement
In a similar vein, albeit a more positive spin, Blackrock shares some tips to kill it. It’s Time to Ace Retirement
Then there’s always optimizing your approach. We often talk  dividend investing, lowering fees and leveraging tax incentives that exist.  This great article gives you a pointer that combines all three. Enjoy. Dividend Investing in a Roth IRA
Now this one does not tell you a lot. It does say most likely you should work longer than you think. Of course if you did all the right things, not so much. This is why you should delay your retirement
Then, of course, there’s this option: retiring overseas. I suspect many will think hard about this given the now 50% shot of …. On a Jet to the Best Foreign Retirement Possible

Retirement and Travel – now, escape the mayhem and turn off your devices.
In this toxic political environment, and the inevitable aftermath, your travel thoughts likely turn overseas. So, bookmark this one to avoid any unwanted ‘ugly American’ moments. These are the worst faux pas you can make in 17 different countries
Use every trick in the book to save money and enjoy a great trip. 4 Apps Airlines Don’t Want You to Know About 5 Travel Hacks You Didn’t Know About, Right from the Mouth of Flight Attendants and How to Get the Lowest Airfares
I feel pretty savvy when it comes to online bookings, but this was news to me. How online travel agencies are ‘dimming’ results on hotel searches
Then, of course, there’s the option to travel and not retire … try this on for size … it’s a fun read, anyway. 11 Insane Perks of Being an Emirates Flight Attendant

Your Retirement Health

Each week we consider ways to improve your retirement health. This week we look at the right things for each phase to maximize your savings and optimize your retirement.

Your Retirement Health – use the tools they give you during the accumulation phase.
We will harp on HSAs (Health Savings Accounts) until you have one…it will improve your retirement health, both ways. 4 Things You Should Know About Health Savings Accounts
Don’t miss an opportunity, either, especially those given to you. 3 Valuable Incentives to Save for Retirement
Plus, of course, maximize all those tools you are given. 3 Questions That Can Help You Get the Most from Your 401(k)

Your Retirement Health – the transition from wealth accumulation to distribution.
Not everyone has it made, especially when it comes to retirement savings. So, what can you do if you really are not prepared? A retirement plan for the working 99%
Even if you think you have enough, can you weather an extended period of low returns? Retiring Early in a World of Low Returns
One thing to be sure of is avoiding missteps anywhere in the process. Derailing the Plan: How Retirees Shoot Themselves in the Foot How Couples Screw Up Retirement Planning

Your Retirement Health – be creative when you do retire.
For the real adventurer … or simply someone who has not saved enough … explore your options beyond the borders. After this election, you may thank yourself as it improves your retirement health. 8 Countries Where $200K in Retirement Savings will Last 30 Years The World’s 10 Most Livable Cities A Breakdown of Costs for Those Who Want to Retire Overseas
If you are not that daring, there are always these great spots right here at home. 10 of the Prettiest U.S. Towns to Retire

Your Retirement Health – be aware of the investing/retirement environment.
These gems are exquisitely crafted, quick condensations of 50 years investment experience. These are data driven, data laden even, yet they are easy to grasp and worth remembering. Bob Farrell’s (Illustrated) 10 Investment Rules
Everyone knows how great the bull market has been since the bottom in 2009. You also know that central banks around the world have been stoking the fire constantly since 2008, or before. How do the two relate? Are they doing your retirement health any favors? Deutsche Bank Calculates How Much of the S&Ps Value is Due to Central Banks

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