Good news. New rules will govern trillions in IRAs where your interests are put first. Americans will get new protections for money moved out of their 401(k)s and into IRAs, under Labor Department regulations released yesterday. What does this mean to you? 401(k)s are governed by strict rules requiring any financial advice to be in the interest of individual savers under a 1974 law called Erisa. Erisa rules have not historically applied once that 401(k) is rolled over into an IRA. Now a fiduciary rule will apply to IRAs. The change goes into effect September 23, with a year for firms … [Read more...]
Your Survival Guy Learns from Marie Kondo
You can read here how Your Survival Guy cleaned up his garage. You can learn a lot about organization from Marie Kondo. … [Read more...]
Your Retirement Life: Newport Is Buzzing
Based on Your Survival Guy’s boots-on-the-ground view of Newport, it’s only April, but it's safe to say the city by the sea is buzzing. USA Today recently named Newport one of its Top 10 Coastal Towns in the United States. The top 10 were: Stuart, Florida Saugatuck, Michigan Key West, Florida Gulf Shores, Alabama Pismo Beach, California Newport, Rhode Island Sandusky, Ohio Cape May, New Jersey Washington Island, Wisconsin Long Beach, Washington Of Newport, USA Today wrote: This Rhode Island town has a little something for everyone, from breweries and … [Read more...]
Your Retirement Life: Watching The Masters and More
Happy Monday. I hope you had a nice weekend catching some of The Masters from near and far. I remember like it was yesterday, now 25-plus years ago, how Becky and I, newlyweds, enjoyed having it on while getting dinner ready. Watching it this weekend, it’s hard to believe how fast time goes by. It’s a reminder of how investing is a study in time—making it work for you and how investing, not speculation, requires patience and avoiding the big mistakes. One step in front of the other. When you have shared experiences, it makes your life so much easier and more enjoyable. We were having dinner … [Read more...]
Your Retirement Life: A Living Income from Savings
You want a forward-looking indicator? Look at the stock market or 10-year Treasury bond—both flashing warning signs this week. But how about years from now? What will the decades ahead—your retirement life—look like? What if we’re going back in time? You and I, we’re in the business of patience. With so much attention paid to what the market did this week or who won last night’s game, it can be difficult to remember that investing is an endeavor in b-o-r-i-n-g. At least until you have enough to retire on, and then it’s fun. Saving money takes time. Every day you’re taking baby steps … [Read more...]
Your Retirement Life: Are You Talking with Your Advisor?
In my conversations with you, you tell me how you’re feeling. That’s OK. I’m up to the task. “Just checking in” calls are a way for me to hear you. And it’s nice that most, not all, of our conversations are about other things than simply investing. Just this week, you told me about the van you refurbished, shooting your age in golf (since you were 72, I might add), skiing, fishing, planning a cruise, and much, much more. Action Line: It’s called Your Retirement Life for a reason. It’s not about me. When you want to talk, I’m here. In the meantime, click here to subscribe to my free … [Read more...]
Key West Insider’s Guide: UVA Wine Shoppe
I hope you’re looking forward to being with family and friends this Easter. If you’re in Key West, stop by and see our friend Mark Gambuzza at UVA Wine Shoppe. Originally posted on December 28, 2023. Your Survival Guy wants you to get away from it all this winter. A tropical break, if you will, to my home away from home, Key West. You can read my insider’s guide here, and I’ll have plenty of updates along the way. Having spent a couple of weeks in Key West over Thanksgiving, we had ample time to stop in and visit our friend Mark Gambuzza at his wine shop, UVA Wine Shoppe, located on … [Read more...]
The Perfect Conditions for an Adventure
You read last week about Your Survival Guy's time in New Hampshire, skiing Attitash, and riding its newly improved lift. I told you the conditions were good, which was a nice surprise after a not-so-great winter so far. The skiing was good, but the conditions were perfect for a Mt. Washington adventure. For the first time, Great Glen Trails Outdoor Center brought visitors up to the summit of Mt. Washington in four snow coaches. Snow coaches are essentially vans with four sets of tracks rather than wheels. Great Glen Trails Outdoor Center writes: One giant leap for all snowkind... Today is a … [Read more...]
Your Own Margaritaville Is Here
A Jimmy Buffett-inspired community near Panama City Beach has been named among the nation’s best. Warren Kulo reports for AL.com: Latitude Margaritaville Watersound may have the laid-back vibe inspired by late music legend Jimmy Buffett, but the national praise the community is getting is anything but laid-back. For the second consecutive year, Latitude Margaritaville Watersound has been named one of the top 50 master-planned communities in the country by John Burns Real Estate Consulting and RCLCO Real Estate Consulting, according to the Panama City News Herald. “It certainly is … [Read more...]
Your Survival Guy Trapped in the Key West Cemetery
Happy Friday. Your Survival Guy and Gal recently spent some time in Key West, our home away from home. On one hot sunny afternoon, we decided it was five o’clock somewhere and strolled down to Schooner Wharf for some barbequed shrimp, oysters, and beer. We could have stayed all night, but dinner was at six. With not a lot of time to spare, we decided to take a shortcut and walk through the cemetery. If you’ve been, you know it’s high ground (if you can consider anything high ground in KW), and the sunsets are amazing. The full moon made it especially eerie. “Let’s pick up the pace,” Your … [Read more...]
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