Ron Betournay

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Retirement: Transitioning To The Distribution Phase - First Year In The Books

One year update to my plan for retirement with diverse and changing income sources.<p>Summary of results and observations for the first year.<p>Key …

10 lessons from 2016 that will help you make better long-term investments

Many investors are asking what they should expect from the market this year, and the questions seem to go to just about anybody who might know.<p>The …

Investing

I've Left Lightroom for Capture One and I'm Not Sure I Can Ever Go Back

For many, many years, I was a hardcore Lightroom user. When it comes to the way that most people work, I don’t blame them for using the product; it’s …

Tutorials
Investing

Estate Planning Tip: Creditor Protection for IRAs & Beneficiaries

Individual Retirement Accounts (IRAs) are great tax-deferred savings vehicles, but tax deferral isn’t the only benefit IRAs offer. One potential benefit is creditor protection in the event of a bankruptcy. But when you pass away, are your beneficiaries protected?<p>Investors should know how their …

Retirement

Ask Larry: Will My Wife's Spousal Benefit Increase If I Delay?

Social Security may be one of your largest assets. What and when you collect will make a huge difference to your lifetime benefits.<p>Today’s column examines how spousal benefits are calculated, the ability to switch to a spousal benefit after taking a retirement benefit, the effect of collecting a …

Retirement

5 Excellent Retirement Calculators (And All Are Free)

Confession time. I’m a pushover for online calculators. Actually, any type of gadget gets my attention (hold on while I check email on my Apple Watch). But there’s just something sublime about an online financial calculator that enables us to see our finances or investments in a unique and …

Retirement
Retirement
Retirement

A Cautionary Tale About Retirement Calculators | Investopedia

How comfortable would you be if you knew that the online retirement calculator you used failed to muster a passing grade? Well, according to Texas …

104 Photo Editing Tools You Should Know About

Hello, photographers. For the last two months, I’ve been doing market research for my project Photolemur and looking for different tools in the area …

Mobile Photography

Ask the Retirement Expert: If I Don't Need the Money From An RMD, What Should I Do?

<i>By Amy Jamrog, Northwestern Mutual wealth management advisor</i><p>Do you have questions about retirement? Our retirement experts are here to answer them. Today’s question:<p><b>If I don’t need the money from an RMD, what should I do?</b><p>The IRS mandates you withdraw money from most retirement accounts—like IRAs or …

Retirement

Another Medicare Gotcha: The Medigap Trap

Medicare has grown into being one of the nation's largest health insurers - some 55 million of us are in it, mainly seniors, and about one in four …

Retirement

Taking the confusion out of the new Social Security spousal rules

Congress tweaked one rule for spousal benefits in November's Bipartisan Budget Act of 2015 (BBA 2015). Since then confusion reigns supreme.<p>No, …

Retirement

These Are the Best Retirement Calculators

Whether you're just starting out or near retirement, you can find a helpful planning tool on this list.<p>I’ve used many retirement calculators. More …

Retirement

Watch the First Lesson of Elia Locardi's Landscape Photography Tutorial for Free!

For the first time ever, we are releasing a complete video lesson of Photographing The World: Landscape Photography and Post-Processing with Elia …

Landscape Photography

4 Steps to Make Your Images Pop in Lightroom

Photography

Dealing with Uncertainty in Retirement Calculations

You can't eliminate the big unknowns, but you can reduce the risk.<p>Remember the game of <i>Telephone</i>? Players whisper a secret message down the line from …

Retirement

5 Ways to Color Correct Beautifully in Photoshop and Remove Any Color Cast

<i>Jimmy McIntyre is a world-renowned travel photographer, educator, and 500px ISO contributor. His photos have been published in local and national</i> …

Five More Tips for Beginner Nature Photographers

Continuing from my previous article, here are the last five out of ten tips I have compiled for aspiring landscape and nature photographers who are …

Landscape Photography

Why Photos of Arizona’s Famous Antelope Canyon All Look the Same

So what is it really like to shoot The Antelope?<p>The slot canyons of Page, Arizona are on Navajo lands. By law, only native Navajo can conduct …

Why I Made 2 Big Moves in My Retirement Portfolio

The last thing you need in a retirement portfolio is drama.<p>It was another dull year for my investment portfolio. <i>Until last week.</i> In all of 2015, I …

Investing
Retirement

6 Photoshop Tools Every Newbie Should Learn

In the days before digital imaging, if you truly wanted to elevate your photography to the level of art, you learned how to process your images in …

Tutorials

5 Ways to Use Lightroom Virtual Copies Better

Virtual Copies in LightroomImagine that you have just processed a colour image and you are happy with the result, but you’d also like to experiment …

Tutorials

A Complete Guide to Retouching Portraits in Photoshop for Free

There is an innumerable amount of articles and tutorials teaching parts and pieces of retouching portraits. However, finding the ones with quality …

How to Use Lightroom's Graduated Filter Tool: Tips for Natural Impact

There are three easy-to-use Lightroom tools that that allow you to quickly isolate areas within a photo to make specific adjustments. These three …

Photoshop: Technique for Manual Blending

Here is a quick and easy Photoshop technique for creating a layer mask to separate the sea and sky from the ground in landscape photos. This …

Tutorials

How to Make a Portrait Look Like Wet Plate Collodion Using Photoshop

Love the look of wet plate collodion photographs? Did you know you can give any digital photo that same look using Photoshop? It’s a technique that …

My Lightroom Post-Production Workflow After a Day Behind the Lens

This post is a basic rundown of how things work behind my lens, after a big day of shooting. In this case, it’s mountain biking. However, whether …