Mostrando resultados por autor "Dale C. Maley" en Todas las categorías

The last few years I have been exploring all aspects of retirement planning. Portfolio rebalancing is one area that I have never really explored in any detail. If an investor desires a portfolio with 50% stocks and 50% bonds, over long time periods it is likely this original asset allocation will drift to a higher percentage of stocks and a lower percentage of bounds. Current popular financial planning guidelines suggest the investor should adjust or rebalance the portfolio back to the original asset allocation on some calendar basis (typically annually). Rebalancing requires effort to ...

Many Americans work hard and live below their means so they can grow their wealth through saving and investing. Unfortunately, the U.S. has 50% of the world's lawyers. Umbrella insurance is an easy way to protect your hard earned wealth from lawsuits. This short story explains umbrella insurance including how much umbrella insurance you should have.

This short story explains the basic concepts of financial planning and provides a conceptual roadmap for planning your retirement. By using a conceptual roadmap approach, you can quickly grasp the general concepts of retirement planning in a very short amount of reading time.

This short story explains how to become a financial planner or Registered Investment Advisor.

In August of 1887, the TP&W railroad began advertising for a special passenger excursion train that would take Central Illinois citizens on a short vacation trip to Niagara Falls. On August 10, 1887, the train with its 625 total passengers began it trip east across Illinois.Just past midnight, the passenger train encountered a burned out wooden bridge just east of Chatsworth. The second locomotive and several wood passenger cars derailed killing approximately 85 passengers and injuring 372 more. It was one of the worst train wrecks of that era.In 1970, Helen Louise Plaster Stoutemyer ...

One of the key decisions an investor has to make is what level of portfolio risk to assume. If the stock allocation is too low, the investor runs the risk of inflation diminishing the portfolio value. If the stock allocation is too high, the investor may panic and sell-out every eight years when we have a Bear stock market. This short story explores the issue of portfolio risk. After reading this short story, you will have enough information to make your own well-informed asset allocation decision.

Many of the 67 million Baby Boomers who turn age 65 in 2011 want to retire. If they have chosen a high-priced financial advisor, their retirement date may be delayed indefinitely. This short story utilizes a real life example of a couple who can never retire due to excessive investment and financial planning fees. After reading this short story, you will be able to make your own well-informed decision on how to optimize investment and financial planning fees so you can retire sooner.

This short story explains how you can determine if you have saved enough to retire.

Millions of Americans are saving and investing in an effort to fulfill their long term goals including college education for their children and retirement. One proven method of increasing the probability of achieving your goals is to put them in writing. This short story explores how writing an Investment Policy Statement can help you meet your financial goals.

As the 67 million Baby Boomers enter retirement, they face a key question. What is the optimum method of converting their retirement portfolio into cash during retirement? This short story explores several alternative methods for converting a retirement portfolio into cash. Reading this short story will allow you to make your own well-informed decision on how to optimize the conversion of your retirement portfolio.

This short story explains the theory of behavioral finance and helps to explain how you can use these theories to help achieve your financial goals.

Bogleheads® are people who are very interested in investing. They meet and share their ideas about investing and personal finance on their online forum. Jack Bogle, founder of Vanguard, is one of their heroes. The typical Boglehead lives below their means so they can save and invest. They typically invest in low-cost Vanguard index funds in a well diversified portfolio. Over half of the Bogleheads are already millionaires. After reading this short story about the Bogleheads, you may decide to improve your own financial situation by joining their online forum.

78 million Baby Boomers start to turn age 65 in 2011. Many of these Boomers will be seeking investments that have low risk and high returns. Equity indexed annuities are often promoted as low risk investments with high returns. This short story explores the complexities and hidden costs of equity indexed annuities.

Financial bubbles have been occurring for hundreds of years. Most of us have lived through the Tech Wreck of 2000 and the Sub-Prime Crash of 2008. This short story examines and identifies the common characteristics of financial bubbles. Reading this short story might help you identify the next time we find ourselves in a financial bubble.

Fairbury is a small town located in Central Illinois. It is 100 miles south of Chicago and 60 miles east of Peoria. It was founded in 1857 when the railroad first crossed Central Illinois. The author developed an outline for broadcasting twenty-one short stories about Fairbury history on the local radio station. This short story converts the outline for the radio audio history segments into this written short story. It is hoped this book helps to inform current Fairbury residents about the colorful history of Fairbury. It is hoped this short story will help to educate future historians who ...

American medical doctors face some unique financial planning challenges. They often have to incur student loans in the hundreds of thousands of dollars. Unlike regular college graduates who start working at age 22, they often can not start working until about age 30. Their relatively high income can also drive the need for huge retirement savings. Because of their high income, doctors are major targets for people selling bad investments. This short story explores these unique challenges. Read this short story if you are a medical doctor who wants to learn how to meet your long-term ...

William Walton and Elizabeth Gehman had a large family of 12 children in Ohio. They both died at relatively young ages, leaving several of their younger children as orphans.Four of these 12 children moved to the Fairbury area. Mary Ann Walton married prominent Belle Prairie Township farmer David Steele Crum. They provided a home for young orphan Isaac Walton after the parents died.Benjamin Walton was a pioneer settler of the Fairbury area. He established a large elevator and grain mill at the southwest corner of First and Locust.Orphan Isaac Walton served in the Civil War, then returned to ...

Illinois has a very interesting geological history. At one time, this area was covered by an ocean. Later it had lush tropical forests. Eventually the Ice Age glaciers leveled the ground to its current relatively flat topography. The Paleo-Indians are believed to have traveled from Asia to North America at the end of the last Ice Age about 14,000 years ago. These people gradually moved south until they occupied most of the United States. These early peoples adapted over time to the changing environment after the Ice Age. By the time the first white man explored Illinois, the Kickapoo ...

Circa 1922, the book titled Livingston County, Illinois in the World War was published. It contains the names of all the people from Livingston County who served in World War I. If submitted, it also contains a brief service record for each person. Circa 1947, the book titled Service Record Book of Men and Women of Fairbury, Illinois and Community was published. It contains a photo and short biography of each person that served in World War II. Unfortunately, there is no published book containing the names of the Fairbury area people who served in the Civil War. This book utilizes numerous ...

Fairbury is a small town located in Central Illinois. It is 100 miles south of Chicago and 60 miles east of Peoria. It was founded in 1857 when the railroad first crossed Central Illinois.William T. Stackpole came from a prominent family in the Maine coastal city of Thomaston, Maine. He was born in 1827. He grew up on the St. Georges River in Maine. At Thomaston, the St. Georges river empties into the Atlantic Ocean. He was aware of the great success of the Erie Canal, built in 1821. These factors led to a life-long obsession with improving waterway shipping, including rivers and canals.His...