Terry’s Columns

On the Huffington Post!

  • Who's Watching Your Holiday Spending?

    December 12, 2013

    The worst penalty isn’t a lump of coal in your stocking. It’s a lowering of your credit score — something that impacts your future cost of credit, and even the cost of homeowners and auto insurance.

  • Can We Create Prosperity?

    December 10, 2013

    I’m always annoyed by those who think that every current crisis spells doom for our economy. We won’t lose America’s financial future — unless we deviate from the basic principles that have created economic growth.

Terry’s Favorite Websites

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Terry’s Favorite Calculators

  • 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.)

  • Credit Card Balance Paydown Calculator

    Bankrate’s Credit Card Debt Calculator lets you enter all balances, organize repayments to pay down debt faster with less interest.

  • How Much Money Do I Need to Retire?

    Choosetosave.org is sponsored by the non-profit Employee Benefit Research Institute. Their “ballpark estimator” tool is the easiest way to see if you’re saving enough for your desired retirement.

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