Terry’s Columns

On the Huffington Post!
  • Death Deal: Will or Revocable Living Trust?

    September 22, 2014

    No one wants to think about death, much less plan for the aftermath. But since is the one most inevitable event in our lives, don’t…

  • Be Confident, But Be Thrifty

    September 12, 2014

    Are you feeling better about the economy? The rest of America is becoming more optimistic.

    The University of…

  • More Money Won't Fix the World

    September 9, 2014

    Every central bank is counting on bond buyers to play the "greater fool game" — believing that they can sell their bonds before they become worthless. Don’t end up being that fool in your investments, hunting for risky higher yields. The odds are against you.

  • Financial Elder Abuse Near You

    September 3, 2014

    Elder financial abuse is being called the fastest growing area of crime in America. And it may be happening in your family, if you aren’t paying attention to a caregiver — or a relative — who, under the guise of being helpful, is syphoning off an elderly person’s life savings.

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.)

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