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Is the Market Overvalued? Interesting Thoughts from Fortune’s John Cassidy

Wednesday, April 2nd, 2014

I found this tidbit from John Cassidy’s latest column in Fortune to be interesting: “A couple of months ago I mentioned the cyclically adjusted price/earnings (CAPE) ratio, which was flashing amber. Another warning sign is provided by the so-called Q ratio, which compares the market value of corporate assets with their replacement cost, and which […]

Nationwide’s Not On Your Side…

Monday, October 28th, 2013

A friend of mine gave me her 401(k) information to look at. Her company changed 401(k) providers and went with Nationwide. I wasn’t fond of their previous 401(k) provider (I forget the name now), so I was happy to see a change. I flipped through the information packet and landed on the page listing their […]

Question of the Day: Personal Rate of Return

Wednesday, May 22nd, 2013

We have had a good year so far in the stock market. So, curious minds want to know… What is your personal rate of return for 2013? Our personal rate of return through yesterday is 16%. We are 100% stocks: I am not recommending this route to AFM readers. It can make for a very […]

Retirement Withdrawal Strategies – Part 1: 4% Withdrawal Over 30 Years

Friday, April 26th, 2013

The reason it has taken me so long to get this posted is that these spreadsheets contain a lot of information and I didn’t know the best way to go about writing it for AFM readers. So, here is part one of a several part series (I’m not sure how many parts will be in […]

From Kiplinger’s: 5 Steps Before Paying Off Your Mortgage Early

Tuesday, April 23rd, 2013

I received an email from Kiplinger’s with these five steps to take before paying off your mortgage early during retirement: • Pay off consumer debt—given today’s interest rates, you’re probably paying less than 5% on your mortgage, compared with about 13% on credit card balances. Paying credit card debt give you an instant return on […]

94% of Pension Plans Are Underfunded

Tuesday, April 16th, 2013

From 94% of Pension Plans Underfunded: Wilshire: “The $282.3 billion funding shortfall at the beginning of the year expanded to a $342.5 billion deficit,” Russ Walker, vice president, Wilshire Associates, said in a statement. “Defined benefit pension assets for S&P 500 Index companies increased by $113 billion, from $1.11 trillion to $1.22 trillion, while liabilities […]

Administration to Go After “Wealthy” IRAs?

Friday, April 5th, 2013

Where does it stop? Obama budget to take aim at wealthy IRAs From the article: Under the plan, a taxpayer’s tax-preferred retirement account, like an IRA, could not finance more than $205,000 per year of retirement – or right around $3 million this year. I’ll look more into this later.

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