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2014 Retirement Plan Limits

As exciting as the new tax table was for me, the retirement limit announcement produced a hollow thud. You see, for 2014, the 401(k), 403(b), 457, and Government TSP are all unchanged at $17,500 limit, with a $5,500 catch-up provision for those 50 and older. The IRA limit is also unchanged at $5,500 with a [...]

A 401(k) is not an investment

Have I lost my marbles? I hope not. Let me explain by starting with an analogy. There's a difference between treasure and a treasure chest. It's not just a pedantic picking apart of words. Not understanding the  distinction is costing people a lot of money. A 401(k) is a retirement account typically sponsored by an [...]

The benefits and risks of using rental property for a retirement asset

A guest post today - Investment dollars have been pouring into rental property over the last few years. Institutional investors have been big buyers of real estate to rent – finding the yields higher than elsewhere in the market and property prices reasonable following the recent housing crisis. The wide interest has been highlighted (or [...]

Save or Pay Off Debt?

If you read enough different Personal Finance blogs, you find that there are a number of popular recurring themes. Ways to save on various purchases, how to plan for retirement, etc. The one that's been haunting me lately is, as the title today says, saving vs paying off debt. There are some obvious choices to [...]

Frontline – The Retirement Gamble

Last February, I asked the question - Are you 401(k)o’ed? I was concerned that my readers might not have been aware of the fees they were paying inside their 401(k) retirement accounts. It seems that this topic has hit the mainstream media, and recently, PBS' Frontline ran their story The Retirement Gamble which you can [...]

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