Bill Markhard

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5 Ways to Avoid Outliving Your Retirement Savings

Simple moves can reduce your odds of running out of money.<p>A recent Northwestern Mutual study shows that two-thirds of Americans 18 and older believe …

4 Steps to Great Walking Technique

It's time to get started with these steps to great fitness walking technique for comfort, power, and speed. Whether you are an absolute beginner …

How To Not Run Out Of Money In Retirement

Investing for retirement doesn't have to be hard. You read up on how to put together a diverse mix of low-cost index funds, bonds, etc. Then keep setting aside all you can into that retirement account. Easy.<p>But when you actually retire and start spending that money, that's like going from playing …

How Much Income Will You Need for Retirement?

The 80% rule is one of the classic rules of thumb for retirement advice. Financial planners often advise that in order to maintain your current lifestyle in retirement, you should aim to replace 80% of your working income from your retirement resources such as Social Security, investment dividends, …

3 Ways to Be Smarter About Drawing Retirement Income From Your Nest Egg

Most people overestimate how much they can withdraw each year.<p>A new survey from New York Life shows that retirees and pre-retirees are more savvy …

Retirement

Comment on Ray Kurzweil Predicts Three Technologies Will Define Our Future by Personal Bankruptcy Information | Mega Tech Software

[…] redeem their outstanding debts, since they do not possess any ways or means, or the resources. The futurist can aid you in your search for …

7 Tiny Habits That Lead to Huge Results

These things added up over long periods of time can have a tremendous impact on who you are.<p>The way I think about personal development and designing the life I want to live is very similar to the way I think about investing.<p>Imagine that every choice you make in life is associated to a "bucket." …

Productivity

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The A-B-Cs of ETFs

If a mutual fund had a younger cousin, it would be an exchange traded fund (ETF).<p>An ETF is like a mutual fund in that it offers investors a pooled investment in stocks, bonds, and other assets. But that’s where the similarities end.<p>You can buy and sell ETFs any time during the trading day. But with …

3 top funds to rocket fuel your retirement

There is a huge body of evidence showing the power of so-called index funds — that is, mutual funds or exchange-traded funds that are tied to a stock market index such as the S&P 500.<p>The latest data point: Last year, two-thirds of investment managers who handpicked large stocks did worse than if …

7 Yoga Poses to Help You Poop

Our favorite: ‘Wind-removing’ pose.<p>Can’t quite remember the last time going #2 felt like, well, second nature? While it may be tempting to reach for some OTC relief, consider hitting the yoga mat instead.<p>Can yoga poses really help?<p>“Movement in general is important for stimulating the bowels to help …

How Much Money Should You Save Up for Retirement?

Photo: www.aag.com<p>If you don't know how much you need to save for retirement, you're not alone. In fact, in a recent survey by the Transamerica Center for Retirement Studies, 53% of respondents admittedly "guessed" when asked how they came up with their own retirement savings targets. The problem …

The High-Intensity Workout That’s Easy on Your Joints

Forget the notion of intimidating boot camps with scary drill sergeants. This 37-minute workout is nothing like that. Fitness trainer Kelly Lee leads …

Opinion: Why there’s no better investment for your money now than U.S. stocks

Many investors nowadays don’t seem to trust U.S. stocks. That’s a mistake.<p>There’s no better investment than U.S. stocks right now. Sure, some stocks …

Stock Markets

11 ways to cut your taxes in retirement

Retirement is supposed to be about doing what you’ve always wanted to do after decades in the workforce. So, how do you feel about tax …

Retirement

How to create a secure retirement plan

<i>When I retire, I want to create my own pension, but I have reservations about annuities. So I'm thinking of investing some of my savings in a bond fund, leaving the principal untouched and just living off the income. I'll keep the rest of my nest egg in mutual funds and dip into it as needed. Do</i> …

Retirement

Follow These 4 Rules for Retirement Investing—and Ignore Everything Else

The best way to improve your returns is usually to do nothing.<p>Diligent saving is the single most important thing you can do to improve your …

Investing

5 ways you're killing your productivity (and how to fix it)

It’s possible to have a to-do list that energizes you, helps you prioritize your day and motivates you to keep moving forward, even after those …

How many funds do you need for a diversified portfolio?

<i>My retirement portfolio currently consists of two mutual funds. Is that enough? Or do I need more funds to be properly diversified --E.F.</i><p>When it comes to building a diversified portfolio for retirement -- or any other goal -- the issue isn't so much the number of funds. It's the type of funds you …

Investing

This Yoga Squat Will Improve Your Range Of Motion

It'll make you stronger, too.<p>When you think of a squat, you may picture gym rats hoisting heavy weights overhead while bending their knees and getting low. That position is a squat, yes, but there's a gentler version in yoga that can help improve your range of motion.<p>Called Malasana or garland …

Backyard BBQ Beef Brisket Recipe

<b>Description:</b> While this brisket is called backyard, there is nothing ordinary about the taste. During preparation, be sure to trim heavy fat and …

How to retire in a bear market

For the first time in about seven years, investors approaching retirement may be facing one of their biggest financial fears: retiring into a bear …

Retirement

3 iPhone Camera Tricks You Should Do Every Time You Take a Pic

It’s likely that unless you have an avid fascination with photography or you’re an actual pro, our smartphone cams have replaced point-and-shoots — sometimes even DSLRs (psst, in case you do have a DSLR, we’re offering a DSLR online class to help you master that too!). Given that more iPhone photos …

Make a Wooden Fence for Your Table Saw and Save a Few Bucks

Besides the blade, the most important part on a table saw is the fence. If yours is beat up or you just want a new one, here's how you can build your own.<p>Table saws are precision tools for ripping lengths of wood, and to achieve this they a properly dialed-in fence to align the wood parallel to the …

3 Ways To Avoid Running Through Your Nest Egg Too Soon

Start by making a realistic retirement budget.<p>A recent Willis Towers Watson survey of more than 5,000 American workers found that nearly a third …

Retirement

Corrective Posture Exercises for Chronic Sitters

<b>Almost all of us are guilty of being chronic sitters.</b> The negative effects of this epidemic are too numerous to list in a single article, but today …

Pain

Relying on stocks for retirement income a risky strategy: Fairfax CEO

Prem Watsa wants some of his bearishness to rub off on any seniors who are loading up on stocks.<p>The chief executive officer of Toronto-based insurance and investment firm Fairfax Financial Holdings Ltd. has a lot of concerns about the stability of global financial markets. So he was shocked to find …

7 Ways to Do the Farmer’s Walk

The loaded carry may be the simplest, safest exercise for a bigger stronger you. Here are 7 variations to try<p>Dan John discovered loaded carries by accident. It was 2001, and the strength coach was sidelined by injury.<p>So he did farmer’s walks because he wanted to feel like he was still training. But …

How to Design a Curbless Walk-in Shower

A potential client (she is in her early seventies) recently shared with me that her contractor would not hear of a curbless walk-in shower. He talked her out of it. As DIY Ally, I would like to make a case for it. It's quite doable and is certainly worth the effort.<p>The most important feature of a …

More Evidence That, Yes, the Retirement Crisis Is Real

A recent battle over the adequacy of Social Security benefits doesn't change anything.<p>A dispute over measuring the adequacy of Social Security …

Retirement