Terry’s Columns

On the Huffington Post!
  • Don't Dump That Annuity

    August 21, 2014

    Millions of people purchased annuities over the past decade — and now they are trying to figure out what to do with them. …

  • The Talk: College and Money

    August 11, 2014

    It’s all common sense — to you. But if this is the first time your student will be completely responsible for his or her own finances, it pays to set aside time to have a comprehensive discussion.

  • Proof That Sticking With the Plan Works

    August 4, 2014

    Making an investment plan and sticking to it does work in the long run. And that’s good to know as the market regains some of its volatility and makes headlines with daily price moves. You can ignore the most extreme pundits and sleep better if you have the self-discipline to keep investing for the long run.

  • Growing Older -- Better than the Alternative!

    July 27, 2014

    If you’re growing older, you’re not alone. Some sobering statistics from the U.S department of Health and Human Services highlight the explosive growth of the elderly population in America.

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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