Musings.

Musings

The world, the economy, the markets, and our lives are dynamic. Events can have a large or small impact on us. They can create excitement, cause fears, raise questions, and spark insight.

Listed here are our most spontaneous, timely, and succinct comments on wealth, life, and more.





  • January 28, 2014 - Patience Pays

    A survey asked to choose $1,000 today or $2,000 next year. People inclined to wait were more likely to claim Social Security after normal retirement age. (Wealth Management)



  • January 27, 2014 - Use Social Security to Extend Portfolio Longevity

    Efficiently planning portfolio withdrawals during retirement combined with delayed Social Security benefits can extend your portfolio longevity. (Morningstar)



  • January 24, 2014 - Social Security is not all that.

    Americans have become more dependent on 401k and IRA savings for retirement income than they are on defined benefits through pensions and Social Security. (WSJ)



  • January 23, 2014 - Retirement Planner

    The Social Security Administration provides an online tool for helping craft a retirement plan around your individual needs. (SocialSecurity.gov)



  • January 22, 2014 - Breakeven Age

    What is your "breakeven age" when lifetime Social Security benefits are approximately the same? (WSJ)



  • January 21, 2014 - 3 Social Security questions.

    Answer questions about your current income need, risk tolerance, and expected lifespan as part of any decidion about when to begin Social Security. (WSJ)



  • January 20, 2014 - Americans vote and give as they earn.Click to enlarge

    Distributions of incomes and philanthropy among the American states correspond to election patterns.



  • January 17, 2014 - Social Security Strategies

    Bud Hebeler writes in WSJ.com that it "seldom pays to start (receiving) Social Security (benefits) before a person's full-retirement-age." (WSJ)



  • January 16, 2014 - What Purpose Does Social Security Serve?

    Hawk100 promotes a purpose-driven approach to portfolio management. In that approach, it is important to consider what purpose Social Security serves.  Should you treat it like a bond in your portfolio? (Morningstar)



  • January 15, 2014 - When is it wise to accelerate Social Security?

    In some circumstances, it may be wise to accelerate the date you start receiving Social Security.  (Financial Planning)



  • January 14, 2014 - When to Start Social Security

    One of the most important retirement considerations facing most Americans is when to begin collecting Social Security benefits. (Financial Planning)



  • January 13, 2014 - Social Security for Married Couples

    Married couples can maximize their social security benefit when they carefully evaluate the program's survivor benefits. (Financial Planning)



  • January 10, 2014 - Why Delay Social Security

    Social Security beneficiaries too often disregard longevity risk and begin receiving distributions at an earlier age than would be wise. (Financial Planning)



  • January 09, 2014 - Social Security Tips

    Financial Planning has an interactive guide to 10 planning tips for Social Security recipients (Financial Planning).



  • January 08, 2014 - Social Security Basics

    Whether you already draw from Social Security or are about to do so, it helps to familiarize yourself with some basics. (Financial Planning)



  • January 07, 2014 - Joblessness Pays.

    US Senate advanced a bill to extend unemployment benefits and incentivize lack of productivity. (WSJ)