September 2018

Retirement Articles This Week

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Record High for Dow and S&P

Thursday’s rally pushed the Dow up 7.8% for the year, while the S&P 500, which also set a new record, has added 9.6%.


Posted on Thursday, September 20 by Registered CommenterWise Owl | Comments Off

Many retirees stop working with a small nest egg

 According to the EBRI, 62% of retirees stop working with total retirement savings of $250,000 or less.

Using the 4% rule of thumb, in which you spend 4% of your savings each year (and adjust for inflation), that means that the vast majority of retirees are looking at $10,000 or less in income from their retirement savings. That's on top of the average Social Security benefit of $1,404 per month.

Posted on Monday, August 27 by Registered CommenterWise Owl | Comments Off

Fidelity Offers Two Index Funds with Zero Expense Ratio

Generally most funds have a minimum investment to get started.  The two new Fidelity funds have no minimums-ideal way to get started.

Fidelity® ZERO Total Market Index Fund (FZROX)

Fidelity® ZERO International Index Fund (FZILX)

Fidelity Zero Minimum Funds

Posted on Sunday, August 26 by Registered CommenterWise Owl | Comments Off

Commission free trades from Vanguard

Vanguard wil offer commission-free trades online trades for nearly 1800 ETF's, up from the current 77

The commission-free ETF's include most of Vanguard's offerings, as well as Blackrock, Schwab, and State Street Global Advisors.  Vanguard will continue to charge commissions on inverse and leveraged ETF's.  These should be available in several weeks!


Posted on Wednesday, July 25 by Registered CommenterWise Owl | Comments Off

Spending some real money at the gas pump this summer

Relief is beginning to show up at pumps across the county: the national average gasoline price has fallen two cents per gallon in the last week to $2.94 per gallon today, according to GasBuddy’s survey of 135,000 gas stations. 40 states saw gas prices move lower in the last week, while 10 saw prices increase slightly.

Posted on Monday, June 4 by Registered CommenterWise Owl | Comments Off

Create a social security account online

Have you created an account on the Social Security Administration website to view your earnings history to ensure it is accurate, now that the administration no longer mails statements to people under the age of 60?

Social Security Link

Posted on Monday, June 4 by Registered CommenterWise Owl | Comments Off

April 17 is your tax deadline this year

Why is Tax Day April 17?

The regular tax return filing deadline is April 15. However, due to April 15 being on a Sunday and the Washington D.C. Emancipation Day holiday being observed on April 16 instead of April 15, 2018, Tax Day is on the following Tuesday.

Posted on Saturday, April 14 by Registered CommenterWise Owl | Comments Off

Neglecting Our Health

Between a third and a half of people age 45 to 59 and a quarter of those 60+ went without needed health care in the past year due to its cost, according to a troubling new survey from the West Health Institute and NORC at the University of Chicago.


The percentages were less dramatic for people 60 + (boomers aged 60 to 72 and Americans older than 72) — perhaps partly because those 65 and older have Medicare. But they are still concerning:

  • 30% didn’t go to a dentist last year when they needed treatment
  • 27% went without a routine physical or other preventive health care
  • 25% didn’t fill a prescription or took less than the prescribed dose of medicine
  • 25% skipped a recommended medical test or treatment
  • 24% didn’t go to the doctor when they were sick or injured

Courtesy of


Posted on Sunday, April 8 by Registered CommenterWise Owl | Comments Off

Interest rate watch...10 year treasury heading up

Posted on Friday, February 2 by Registered CommenterWise Owl | Comments Off

See how You compare...Fidelity Average retirement account balances

Average retirement balances

Account type
Q2 2017
Q1 2017
One year ago
5 years ago
401(k) $97,700 $95,500 $89,100 $73,300
IRA $100,200
$98,100 $89,600 $73,100
SOURCE: Fidelity Investments
Posted on Wednesday, January 24 by Registered CommenterWise Owl | Comments Off

Take the cognitive test Trump just aced

A score of 26 is considered normal.  President Donald Trump did better than that — he aced it and got 30 out of 30. 
The  30 point test takes about 10 minutes. 

Montreal Cognitive Assessment

Posted on Thursday, January 18 by Registered CommenterWise Owl | Comments Off

Record highs in the markets!!...first week of 2018

The Dow Jones industrial average advanced 220.74 points to close at 25,295.87.

The S&P 500 climbed 0.7 percent and finished at 2,743.15, with tech stocks rising 1.2 percent.

The Nasdaq composite gained 0.8 percent to 7,136.56.

Posted on Friday, January 5 by Registered CommenterWise Owl | Comments Off
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