Terry’s Columns

On the Huffington Post!
  • State of the Union

    January 21, 2015

    Although the president didn’t go into detail in his State of the Union, the details that were released in the week before the speech should make middle class American’s think twice. Despite the rhetoric of "taxing the rich" — it’s pretty apparent that the middle class will do most of the paying.

  • Gold Is Glittering

    January 16, 2015

    All that glitters may not be gold in dollars, but gold could shine against other currencies in the uncertain economic year ahead. And that’s The Savage Truth.

  • FAFSA and Family

    January 12, 2015

    Families of millions of high school seniors are about to embark on a time-consuming, invasive and generally distasteful project: filling out the FAFSA — the Free Application for Federal Student Aid.

  • The Last Things to Do in 2014

    December 31, 2014

    Do yourself a favor. Stop at an office supply store, or order online, and purchase a couple of plastic file boxes and some hanging folders. It’s time to organize your 2014 records — and set yourself up to collect all your 2015 financial information efficiently through next year.

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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