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Retirement Planning: The Time Value of Money

We’ve lost our sense of timing. Not in the genetic sense; we still follow the rhythms of our daily lives. Those patterns are intact. The loss of timing we are experiencing relates to the time value of money. According the economic question, posed in a number of different ways depending on how you might search for the term, asks the reader to answer: would you take X-number of dollars today or wait for a period of time to receive the same amount?

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Posted in 401k, Boomers, commentary, debt, economics, financial impact factor radio, financial planning, index funds, mortgages, Paul Petillo, personal finance, Profitable Investments, Repercussions: A Retirement Review, Retirement Planning Target 2025, risk, taxes

The Cost of College: Save, Invest or Borrow?

The experts suggest all too often that we should save for college. But if you were to do that – save, a form of no risk handling of money akin to bank accounts, money market funds, certificates of deposit or under the mattress you would have little more to show for the effort in ten or fifteen years than the money you put away. You wouldn’t have beat inflation and you certainly wouldn’t have beat the inflation that is known as college tuition.

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Posted in 401k, bonds, college, commentary, debt, financial impact factor radio, financial planning, Mutual Fund Investing, Paul Petillo, personal finance, Profitable Investments, Repercussions: A Retirement Review, Retirement Planning Target 2025, risk

Is Your Retirement Plan Really Different?

The past several years have re-arranged how we think about retirement. The shift in the “dream” has been the subject of more than one news report on the state of where Boomers are and where their younger cohorts how to be one day. Yet, retirement is and always will be the same: a time when fixed income rules the budget.

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Posted in 401k, bonds, Boomers, debt, economics, mortgages, Paul Petillo, personal finance, Profitable Investments, Repercussions: A Retirement Review, risk, taxes, women and retirement
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