Too Soon to Start Retirement Savings?

I outlined in my book there are some key milestones that typically measure your readiness for retirement. I lay out various goals for your 30’s, 40’s, 50’s, etc.  I also talk about how early to start.  At the extreme beginning of the age scale is in your teen years.

Teenagers thinking about retirement?  Not very likely, but parents can take the initiative to getting their teens thinking beyond the latest iPod/iPhone/IGottaHave and set up a view to retirement.  Thanks to compound interest, TIME is the biggest component of a retirement plan.

The NY Times article lays out some of the things to think about when determining if a Roth is the right thing for a teenager.

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Data Security and Extortion

On top of the data security issues with Target (‘hackers stole credentials from vendor‘) Neiman Marcus (‘much worse than first reported‘) we hear the story of flat-out extortion for a particular twitter handle.

@N was the handle of Naoki Hiroshima and in this article we read how through some manual failures of both Paypal and GoDaddy, Naoki-san gave up his twitter handle.

Read the article and see what you can do to ensure your security.


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Another Guest Post

My friend Crystal at ‘Budgeting In The Fun Stuff‘ has graciously allowed me to do another Guest Post on her site.  Hop on over and take a look.

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ID Theft On the Rise

I came across this article from Credit Sesame and wanted to share.

With the ongoing stories of ID Theft, these are some key points to keep in mind:

  1. Put a security freeze on your credit report
  2. Contact any institution directly affected
  3. Contact the Federal Trade Commission (FTC)
  4. File a police report
  5. Protect your social security number

Hit the link above for the complete article.

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Tax Time and Security

I got my W-2 yesterday.  Much earlier than most other companies I’ve worked for, which is great.  What’s even better is that this piece of mail, which has my sensitive data, is no longer in the hands of the mail system, but in my own hands.

With all of the news in the past few months of Data security breaches at Target and Neiman Marcus (which didn’t have an effect on us) you kind of forget that there are other thieves out there as well.  Yes, maybe I need to change my tinfoil hat, before the NSA reads my thoughts, but we all do need to consider this CNBC article from today’s USA Today.  I’ve written security articles in the past and here, but the CNBC article paints a ‘race to the IRS’ picture that I’m going to pay attention to.

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Happy New Year!

As I look back on 2013, there is a lot to be thankful for.  Good health of my family, with some minor allergy exceptions.  Rewarding work for both myself and my wife.  And some good memories to bring in the New Year.

As we all say goodbye to 2013, we look forward to 2014 and the excitement of a new year.  In some ways, I look at New Year’s resolutions with minor amusement. I’m more of the mindset of seeing a need for a change as something that can be acted upon regardless of a calendar.  If I’m feeling like I need a change in my exercise routine, I don’t tend to wait until the beginning of a year, or a week to make the change.  Just get it started now.

But that’s what works for me.  If others need a set time to begin something, that’s great.  As long as they recognize the need and it works for them, more power to them. Continue reading

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Living your Retirement

Lately I’ve been focusing on retirement for my wife & I.  We’re not ready for retirement yet, in terms of both age and money.  However, I do think we’re on a decent path to being ready financially.

With a good Financial Glide Path, we also need to think about what we would do when we aren’t working.  Both of us have been so busy with working and the day to day living, that we’ve not really thought much about what’s next.  Which got me thinking (usually a rare and dangerous thing) about how some current retirees are faring in the world.

There has been a lot of talk in the US about the high cost of Health Care and the decreasing likelihood that Social Security will be solvent.  So I wanted to find out some of the biggest concerns current retirees may have as they live their Retirement.

I understand that many people in their 60s and 70s may not be internet savvy, but I bet that many internet savvy people KNOW 60 or 70-year olds.  So, I’d like to find out what some of the biggest concerns/issues/challenges folks in that age range are experiencing.  I’d like your help.

If you’d like, leave a comment below so we can open a discussion.  If you’d rather not leave a comment for everyone to see, I’ve created a form you can use to send me a secure message by using this link.  As always, your email information will not be given away or sold.

I hope you’ll participate in this event and I will be publishing the findings along with some thoughts of my own.

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The Outta Debt Book Hit #1 again

Screen Shot from 12/8

Screen Shot from 12/8

I wanted to share some great news!  My first book hit #1 again for the Personal Finance Budgeting category on Amazon!  Here’s the December 8,2013 screen shot of the placement.

I released the book a little over a year ago and have had a great time reading comments and emails from readers. With the new book coming out soon, it’s nice to see the writing re-validated after a year.  Hopefully, people will like the new one when it comes out.

If you’re interested in finding out when the new book is released, leave your email below and I’ll select 5 people to receive a free copy of the book, once it’s published on Amazon!  As always, your email information will not be sold or given away!




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Secure your Data!

Recently, more stories broke about security breaches that put sensitive data at risk.  From 2 Million passwords being compromised on sites such as Facebook, Twitter and Google to JP Morgan Chase telling almost 1/2 million users their information may be at risk (after more than 5 months!), it’s more important than ever to make sure your data is as safe as it can be.

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Help me Pick the cover for my New book

Hi everyone!  I’m putting the finishing touches on my next book and wanted some input. My graphic artists have given me these three proofs.  I have one I’m leaning towards, but would love some input from you.

The book is about Retirement Planning at various stages of your life.  I’m hoping to appeal to everyone from their 20s to their 60’s.

Leave your email below and I’ll select 5 people to receive a free copy of the book, once it’s published on Amazon!  As always, your email information will not be sold or given away!

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