Terry’s Columns

On the Huffington Post!
  • 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.

  • Don't Count on Social Security

    October 21, 2014

    It’s not being a fear-monger to state the obvious: the "Trust Fund" will run out of money in our lifetime. In fact, each year the Trustees of the Social Security and Medicare trust funds report on the current and projected financial status of the two programs. The projections are gloomy.

  • Save Taxes - Start NOW!

    October 16, 2014

    The holiday decorations are not up yet, and the Christmas carols haven’t hit the radio yet. That would really be rushing the season. But there’s one place where it pays to do your shopping early if you want to save money: Taxes! There are a few steps you can take now before the holiday rush to reduce your tax bill.

  • Pinch Back at Bank Fees

    September 30, 2014

    Paying a lot of small fees adds up to big profits for banks — and big costs for you. They make your money disappear as quickly as a grande non-fat latte. And you don’t even get a moment’s pleasure from the money spent!

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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