Archive - September 2011

1
How to Live the Active Lifestyle in Retirement
2
Why The Gold Bubble is Ready to Pop
3
Finding a Fulfilling Pre-Retirement Career
4
How to Undo a Roth IRA Conversion and Save Money
5
Confessions of an Investment Manager

How to Live the Active Lifestyle in Retirement

 

Rather than seeing retirement as a time to lounge around relaxing, eight out of ten baby boomers say they expect to continue working as “retirees”, and many plan to go back to school.  It seems that the very concept of retirement that prior generations had is now changing as soon to be retirees plan active retirement lifestyles.

A recent survey by Allstate Financial sheds light on what people heading for retirement expect to spend their time doing.

The top five activities those retiring soon plan on enjoying are:

Traveling

  1. Family
  2. Hobbies
  3. Gardening
  4. Fishing

As, Ken Dychtwald, an author …

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Why The Gold Bubble is Ready to Pop

 

 

 

 

 

 

Gold has been on a tear of late.  Gold has become so popular that the # of different infomercials on TV asking me to sell them gold and jewelry now outnumbers the number of Netflix subscribers!

All joking aside, let’s assess if gold truly is a good investment to hold.

In 1999, the price for gold was $250 and as skyrocketed well over $1800.  That’s a 620% return in just over a decade!  Some even forecast gold to reach $2300 by next year, so it’s no wonder there is investor frenzy with gold.…

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Finding a Fulfilling Pre-Retirement Career

Whether you own your own business or work for a company, why are you where you are today? Is it the money, are you passionate about what you do, is it personally fulfilling? If your business life included all three, how would that impact your personal life?

Along the way, I have been in jobs where I dreaded going to work.  For instance, when I was in college I worked as a waitress at a hectic family restaurant, I had little training and no experience.  Guess what – I was miserable, stressed out, gained weight, and had no social life. …

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How to Undo a Roth IRA Conversion and Save Money

Losing money in the stock market is never fun, but what’s worse is having to pay tax on the lost market value. In 2010, the IRS changed the rules to allow anyone, regardless of their income, to convert an old 401k or a Traditional IRA to a Roth IRA, as long as they pay the tax on the converted value. Many people in the “higher” income brackets have taken advantage of this window of opportunity to gain access to the coveted Roth IRA, which is not available to high income earners.

Even though investors have to pay tax on the …

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Confessions of an Investment Manager

When I studied Economics and Finance in business school, I learned many useful things about investing, but over time I have discovered that they were not nearly enough.  Here are the exceptions to what I learned in graduate school, as well as some new realizations.  Sometimes, what you think you know is incomplete or just plain wrong.  And sometimes, you learn things you never knew you never knew.

Yes, Virginia, bubbles do exist.  Years ago my professors downplayed the importance of speculative bubbles, but I think the evidence is clear.  In the last 15 years I would argue that we …

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