Investing for Retirement

TIPS Purchase Success

We bought some 10-year TIPS (Treasury Inflation Protected Securities) today, to be... 

Your Investment Risk Increases Over Time

Regular readers know that I have become increasingly cynical and skeptical about... 

Stock Market Myths That Won’t Die

If you invest in the stock market (or are thinking of getting back in the market),... 

Limiting Investment Losses

The markets seem to be rallying on some positive economic news from around the world.... 

Changing Our Retirement Asset Allocation

I am making a number of significant moves this week in our 401(k) asset allocation.... 

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Retirement Planning

Ten Year TIPS Auction

If you are interested in owning Treasury Inflation Protected Securities (TIPS), the... 

More Thoughts on the Magic Retirement Number

The retirement planning establishment seems to be making a slow shift away from “the... 

Preparing Your Retirement Plan for Tax Increases

One aspect of retirement planning that cannot be “set and forget” is... 

Net Worth and Retirement Planning

I monitor our net worth regularly (at least weekly). Net worth in retirement is important,... 

All Age Groups Will Rely on Social Security

Most personal finance blogs are written by 20 and 30-year-olds. Many regularly proclaim... 

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Places to Retire

Reasons Downsizing Makes Sense

I have written often about downsizing, including our own plans for condo living. Saving $1000 or more on monthly living expenses (mortgage, taxes, insurance, utilities, maintenance, etc.) is the equivalent of adding $300,000 or more of income-generating assets to your retirement nest egg. [Read more of this article]  Read More →

The Low Stress Vacation Home

The New York Times recently published an article that attempts to explore the harsh realities of owning a vacation home. I agree with many of the author’s views. I wanted to comment further because we are now experienced owners of a pre-retirement vacation home. If you have considered purchasing property to use for vacation or weekend living,... [Read more of this article]

Downsizing and Mortgage Refinance Strategies

For the past year or so we have been openly discussing downsizing from our primary residence after our youngest son graduates from college next spring. We would take the proceeds from the sale and either buy something smaller in the area or, more likely, rent. Now we are rethinking that strategy. [Read more of this article]  Read More →

Is There a Low-Cost Retirement Paradise?

A common theme in discussions about retirement in a foreign country is that a life in a warm, sunny retirement paradise can be experienced at low cost. This belief applies in particular to retirement destinations such as Mexico, Belize, Panama, and Costa Rica. According to some folks who have tried it, this belief is only half-true. [Read more of this... [Read more of this article]

Re-Thinking the Dream of a Beach Front Retirement

Many baby boomers have grown up yearning for beach front property. Owning a house or condo near the ocean for retirement is a dream that lots of us have shared. Sadly, the Gulf oil disaster has added another reason to the list of reasons why retiring on the beach may not be such a good idea. [Read more of this article]  Read More →

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