Tag Archives: Google Flights

Optimizing Your Retirement

With tax season and tax freedom day behind us, let’s refocus our energy on Optimizing Your Retirement. There are three core philosophies we expound most often: keeping your investments efficient by optimizing costs and returns, focusing on income generation during retirement, and staying focused on the interrelated topics of longevity, healthcare costs, and making your nest-egg last.

How can you be as efficient an investor as possible?
Optimizing your retirement starts with keeping control over the costs in your portfolio. That includes all your buckets of money, 401(k), IRA, 403(b), investment accounts, everything. Some are harder than others to determine, but do your homework and get the best bang for your buck.  Expense ratio continuously impacts the NAV of a fund and How to Increase Your Retirement Savings Without Saving More both provide great tutorials
On a reasonably timely note, taxes, too, are a drag on your retirement savings … a cost, and a big one. 7 tax strategies the rich don’t want you to know

Focus on income generation during retirement.
We talk often of dividend paying stocks, and that is one great way to generate income. Don’t fall into the trap of monitoring current yields, though, because your yield is relative to your basis. That way you can take credit for appreciation, too – that’s a great start to optimizing your retirement! Dividend Stock Investors: Pay Attention to Your ‘Yield on Cost’
Here is another interesting analysis tool for selecting your dividend paying stocks, value. Dividend Growth Investors: Create Your Own Sense of Value
Good news is that the ETF world is responding, too. New High Dividend ETF with Free Cash Flow Focus by Pacer
Be smart about your Social Security, too. Ready to retire? Don’t rush your Social Security start date

Stretch your retirement savings as far as possible.
Recognizing that most people will not, really have enough money when they retire, when optimizing your retirement it may help to have some examples to follow. How to Retire and Live to 100 with $875,000 in Net Worth
There are behavioural tricks, too, to help stretch your nest-egg. 3 Easy Moves to Make Your Money Last Your Lifetime
Of course just plain saving money helps, too, i.e. be as thrifty as you reasonably can.  One great way is with ebates, the website and app automatically applies coupon codes and gives you cash back on purchases you plan to make anyway … sometimes even in the store. Check it out and sign up now, you will be glad you did. ebates This seems like a similar service, but only for the Chrome browser This Lazy Online Shopping Tool Actually Saves You a Ton of Money
Clearly, apps, bots and websites will be your best friend when it comes to saving money, and it gets easier every day. Hotel Tonight is another app we have used, and while it means doing short notice bookings (they sell unsold rooms at steep discounts), it often works out well. How to stay in luxury hotel rooms all over the world for less and Google Flights Now Shows Cheaper Fares From Different Services

Inspiring Leadership

Management is doing things right; leadership is doing the right things.”
— Peter Drucker, Austrian-American writer and management consultant

Leadership:
Here is a great argument for staying visible, accessible and open. Gossip in the Workplace Could Signal Larger Problems
In some respects, this is a primer on transitioning from managing to leading. 4 things managers need to stop and start doing
A great way to get yourself thinking today, and often. 35 Inspiring Leadership Quotes

Retirement:
You realize how set I am on reducing fees and their impact on your retirement. Still, this feels too much like it is asking for increased regulation, somehow skirting the rules. U.S. mutual funds cut expenses by shifting billions to trusts
Forbes has a CFP give you some tips on retirement withdrawal rates. How Much Investment Money Can You Take Out in Retirement
Here is a decent, albeit brief, look at spend rates in retirement. It loops in the rule of thumb 4% guideline. How Much of Their Nest Egg Should Retirees Spend a Year?
This is an interesting article because I’m amazed that Money magazine would publish it without reference to longevity annuities, especially qualified ones. The New Rules for Making Your Money Last in Retirement

Travel:
Funny and insightful, this post helps you while away the hours you spend in airports between flights. The Definitive Guide to Drinking in Airports
Leverage technology to save yourself some money on your next vacation. 6 Google Flights Tricks That Are Better Than Any Travel Agent
Mind you, this is a bit backwards as it is the UK perspective, still, I think there are some worthwhile points in here. Booking a flight? This table shows how timing affects ticket pricing.
Fascinating Aside:
File this in the unintended consequences category. Can a solar eclipse shut down Europe?

Self-improvement

“I checked the actuarial tables, and the lowest death rate is among 6-year-olds. So I decided to eat like [one],” – Warren Buffett on his diet

Self-improvement: in line with some of the best quality thinking, today we redesign our weekly post to give you better information, more clearly. Hopefully, we will find an interesting quote, too.

Leadership:
Another Steve Jobs reference, seems we shared a birthday. Steve Jobs would have turned 60 today. Here are 15 of his most inspiring quotes.
Some quick food for thought: Four Leadership Traits to Win in Business Today
I really like this one; short and to the point. 10 Ways to be easy to follow
Another article in line with my own philosophy. 6 Ways Vision Will Inspire Your Employees and Culture

Retirement:
As you know, this is the key to it all, making your retirement savings last. How to Turn Your Retirement Savings Into Retirement Income
More interesting insight on active vs. passive management in the fund world: Why Active Management Fell Off a Cliff – Perhaps Permanently
I mention deferred income annuities, or QLACs, often here. Now some guidance on what it means for your retirement planning. How QLACs are changing the Social Security timing game

Travel:
This tool has been around for a while, as ITA Matrix, and it’s great. Google officially launches Flights, their Search-friendly travel tool
With all the complexity of airline pricing, you need help, and while Google Flights is a great start, this is a good companion. New Hopper App Predicts Airfare Prices, Alerts When to Book
There’s no question, being pleasant helps a lot in these cases. Still, be prepared: How to get on an earlier flight without paying a fee