Terry’s Columns

On the Huffington Post!
  • Thanksgiving Feast -- Family Talk

    November 22, 2014

    lack Friday is so passé, with holiday sales starting early. Instead, we could rename it "Family Friday" — a time to catch up on those touchy intergenerational financial questions.

  • Holiday Money Gifts for Children 2014

    November 11, 2014

    What to give your children or grandchildren for the holiday season is an annual dilemma. Once you get past…

  • Inflation-Deflation See-Saw

    November 4, 2014

    There’s no rhythm to the process, only the unexpected swings and lurches. Once you understand this analogy, you’ll be less anxious and less prone to jump to one side or the other in a reaction to the latest news.

  • Breast Cancer Survivors Get Life Insurance

    October 28, 2014

    Their chances of long-term survival have been so improved that now many breast cancer survivors can qualify for life insurance policies! The actuarial odds of their long-term survival can be computed, and priced.

Terry’s Favorite Websites

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Terry’s Favorite Calculators

  • S&P Return Calculator

    Want to see the return of the S&P 500 — with and without dividends, and adjusted for inflation — between any two individual days? Click on this easy calculator to compare the performance of “the market” with your own investment returns!

  • How Much Should You Be Saving?

    Are you on track to save enough for retirement?  Or will your standard of living fall dramatically when you retire?  This calculator created by the Employee Benefit Research Institute is easy to use, and will show you how much more you should be saving, based on your age, estimates of longevity, and risk tolerance.

  • Calculate Minimum Required Distributions

    When you reach age 70-1/2 you must take minimum required withdrawals. Use this calculator at FINRA.org to get a rough idea how much you must withdraw based on year-end balances. (But talk with one of your IRA custodians to get the specific withdrawal amount, based on ALL your retirement account balances.)

Click here to view all of Terry’s Favorite Calculators

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