Terry’s Apps of the Year: Click here to read about MintBills.com and check out acorns.com to start investing your spare change every day.

Terry’s Columns

On the Huffington Post!
  • Remember Inflation?

    March 30, 2015

    The inflationary period of the late 1970s is such ancient history that we even have people hoping that a "bit" of inflation — in wages, in prices — will help the economy grow. But here are five reminders from history about how inflation destroys savings and value.

  • Beware of Bonds

    March 29, 2015

    Bonds are just as risky as stocks. That’s a simple fact not recognized by many investors, who still view bonds in their historic sense of being a more secure investment because they have a priority call against a company’s assets in case of a bankruptcy. That’s true — in the long run.

  • Better Money Habits for Everyone

    March 24, 2015

    Everyone agrees that financial literacy is critically important. That’s why April is National Financial Literacy Month. It’s not a new concept. Over the past 25 years there has been no lack of opportunity for our citizens — starting in grade school and even into adulthood — to access information about using money wisely.

  • Renters Need Insurance Too

    March 24, 2015

    chedule expensive items separately. If you have a coin collection, fur coats, valuable antiques or the family silver in your rented apartment, get an appraisal. You’ll need specific coverage for those items, which adds to the policy cost but is well worth it.

Terry’s Favorite Websites

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Terry’s Favorite Calculators

  • When to take Social Security Benefits?

    Wondering when to start/how to maximize your SS benefits, and those of your spouse? This calculator from T. Rowe Price will help you make the smartest decision based on your own goals.

  • 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.

Click here to view all of Terry’s Favorite Calculators

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