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INVEST FOR YOUR LIFE Invest for Reality. We employ a clear-eyed strategy of diversification, index funds and low fees to fit your reality. And though we apply science and factor investing to your investment, we also employ a deeply human and personal approach to everything we do. It’s a methodology that works, proven time and time again. Invest

with AssetBuilder.

ASSETBUILDER'S KNOWLEDGE CENTER Learn a thing or two about investing from 5 great writers, including legendary financial columnist, Scott Burns.

ARTICLES BY

reasonable desire.

THERE IS MORE THAN ONE REASON TO TRANSFER MONEY TO THE Q. I’m writing because of a recent column about staying put in the Federal Thrift Savings Plan (TSP): My question is the flip side of what was discussed— should I transfer money in?I am 64 years old. I receive a pension from the Arizona State Retirement System. But soon after I retired I became tired of being retired. So I took a teaching job with a community college in Texas. SOCIALLY RESPONSIBLE INDEX FUNDS: NO GUNS, CIGARETTES OR Socially Responsible Index Funds: No Guns, Cigarettes or Sky-High Carbon Footprints. Earlier this month, a gunman opened fire at Borderline Bar and Grill, in Thousand Oaks, California. Thirteen people were killed, including the shooter. According to data from the Gun Violence Archive, it was the 307th mass shooting in the United

States this year.

HOW DOES DFA COMPARE TO VANGUARD? The battle lines were clear. On one side, stood Vanguard founder John Bogle. Burton Malkiel, author of A Random Walk Down Wall Street stood next to him. Warren Buffett backed them both. A force of Nobel Prize winners in Economics also lent their weight. Actively managed mutual funds, they said, cost too much. Investors are better off with index

funds.

WHO SHOULD SELF-INSURE FOR LONG TERM CARE? A. With a net worth of $3,775,000 you are a good candidate for self-insuring, particularly if you defer taking Social Security to maximize your guaranteed income. (By self-insuring, I mean using personal assets to pay for long term care if needed.) If your Social Security benefit is about $30,000 a year your total guaranteed income

would be

with AssetBuilder.

ASSETBUILDER'S KNOWLEDGE CENTER Learn a thing or two about investing from 5 great writers, including legendary financial columnist, Scott Burns.

ARTICLES BY

reasonable desire.

States this year.

funds.

would be

reasonable desire.

HOW DOES YOUR WEALTH STACK UP? According to 2016 Federal Reserve data, the average household net worth was $838,702. If we don’t include home equity, the average American household in the 50-54 year age group had a net worth of $701,558. Median numbers are different. Americans between the ages of 50 and 54 had median household net worth of just $137,866. THE WORLD’S BEST INVESTMENT STRATEGY THAT NOBODY SEEMS TO LIKE Instead, I’ll show you a stable strategy that has averaged more than 9 percent annually since 1971. It’s called the Permanent Portfolio. It was created by the late investment writer Harry Browne. The strategy combines gold, stocks, long-term bonds and cash in equal proportions. The mix never varies. THE MARGARITA PORTFOLIO The Margarita Portfolio. CABBAGE KEY, Florida. It's a tiny place, but boaters love it. It's quiet, protected, and far too small for cars. Indeed, this little island has a few paths but no roads. There are some cabins, a boat dock that will hold a handful of boats--- provided they don't need too much water to float--- and a small well-known HOW DOES DFA COMPARE TO VANGUARD? The battle lines were clear. On one side, stood Vanguard founder John Bogle. Burton Malkiel, author of A Random Walk Down Wall Street stood next to him. Warren Buffett backed them both. A force of Nobel Prize winners in Economics also lent their weight. Actively managed mutual funds, they said, cost too much. Investors are better off with index

funds.

THE PROBLEM WITH 403(B) PLANS Yes. You can save more money. If a worker in a large, low cost 401k plan invests 10 percent of income, a worker in a 403 (b) plan dominated by higher cost variable annuities would have to save 13 percent of income over 40 years to accumulate the same amount of money as the 401 (k) plan worker. This is not, by the way, the result of an

evil plot

TWO WAYS TO CHANGE A PORTFOLIO ALLOCATION Q. I am a 67-year-old widow with no debt and enough monthly income to maintain my home and lifestyle. I have $884,829 in an account with Fidelity —a 401(k) plan plus lump sum pension. The account belonged to my husband who died four years ago. He had set the portfolio asset allocation at a 97 percent bonds, 3 percent stocks. VARIABLE ANNUITIES VS. MUTUAL FUNDS Q. I am 31, rent a house and have no outstanding debt. I have some money in a fixed annuity and some savings. My parents have begun giving me the maximum allowed gift per year ($20,000) in order to reduce their estate taxes. They plan to do this for the foreseeable future. I have begun researching the best options to invest this money, for now and down the road. I have talked with two IS IT TOO DANGEROUS TO RETIRE IN MEXICO? “Plenty of people ask me if it’s safe to retire in Mexico,” says J.E. Jack. “I tell them I get kidnapped twice a week and occasionally beheaded.” The sixty-four year-old used to live and work in Los Angeles, California. But he retired to San Antonio, Mexico five years ago. He’s among thousands of expatriate retirees living near Mexico’s Lake Chapala. HOW TO PROTECT PENSION INCOME FROM INFLATION Simple. For every $1,000 a year of pension income, you'll need an Inflation Protection Fund' of $4,546 to $6,070. If your pension is $20,000 a year, you'll need about six times as much--- $120,000--- in I Savings Bonds to maintain your purchasing power. INVEST FOR YOUR LIFE Invest for Reality. We employ a clear-eyed strategy of diversification, index funds and low fees to fit your reality. And though we apply science and factor investing to your investment, we also employ a deeply human and personal approach to everything we do. It’s a methodology that works, proven time and time again. Invest

with AssetBuilder.

ASSETBUILDER'S KNOWLEDGE CENTER Learn a thing or two about investing from 5 great writers, including legendary financial columnist, Scott Burns. HOW TO BEAT THE S&P 500 INDEX Twenty-five years ago, Michael O’Higgins showed the world how to beat the market. His 1990 international bestseller, Beating the Dow, explained a simple strategy that anyone could follow. It took ten minutes a year. Investors with the discipline to follow O’Higgins’ method since his book’s publication would have made a small fortune. From 1991 until 2016, his strategy gained an average HOW TO BUILD A TREASURY LADDER To build a 5 year ladder you would need to buy a 1, 2, 3, and 5 year at issue and a 4 year security in the after-market. Alternatively, you could wait a year and buy an additional 5 and 3 year security at issue to complete your ladder. To build a 10 year ladder you really need to use the after-market. You could buy a 1,2,3, 5, and 10 year MAKE TWICE AS MUCH MONEY WITH INDEX FUNDS The index fund investment would grow to $106,664 while the managed fund would grow to $54,579, about half as much. That’s why Matthew Backus recently fired his advisor. “I won’t let anyone mess with my money anymore,” he says. “I’m sticking to a low-cost portfolio of index funds.”. SOCIALLY RESPONSIBLE INDEX FUNDS: NO GUNS, CIGARETTES OR Socially Responsible Index Funds: No Guns, Cigarettes or Sky-High Carbon Footprints. Earlier this month, a gunman opened fire at Borderline Bar and Grill, in Thousand Oaks, California. Thirteen people were killed, including the shooter. According to data from the Gun Violence Archive, it was the 307th mass shooting in the United

States this year.

funds.

HAVING SOME ASSETS DOESN’T DISQUALIFY YOU FOR SUBSIDIZED Q. I am hoping you can help. My sister lost her husband 2 years ago. Unfortunately, although they lived together for twelve years, they married only 3 months before he died. She was relying on his Social Security benefits but now faces living in poverty on her meager benefits. She also has very limited financial assets, an IRA with about $100,000.She will be 66 in September. ARE THESE THE TOUGHEST CONVERSATIONS JOHN BOGLE’S SON HAS? I can imagine John Bogle Jr. on a camping trip. He meets a group of guys fishing off a dock. They talk about the weather and the fish before they introduce themselves.“What’s your name?” one of the guys asks. “I’m John Bogle. It’s nice to meet you.”“Hey, you have the same name as that guy who founded Vanguard.”“Yeah, that was my dad.”“That’s amazing. THERE IS MORE THAN ONE REASON TO TRANSFER MONEY TO THE Q. I’m writing because of a recent column about staying put in the Federal Thrift Savings Plan (TSP): My question is the flip side of what was discussed— should I transfer money in?I am 64 years old. I receive a pension from the Arizona State Retirement System. But soon after I retired I became tired of being retired. So I took a teaching job with a community college in Texas. INVEST FOR YOUR LIFE Invest for Reality. We employ a clear-eyed strategy of diversification, index funds and low fees to fit your reality. And though we apply science and factor investing to your investment, we also employ a deeply human and personal approach to everything we do. It’s a methodology that works, proven time and time again. Invest

with AssetBuilder.

States this year.

funds.

HAVING SOME ASSETS DOESN’T DISQUALIFY YOU FOR SUBSIDIZED Q. I am hoping you can help. My sister lost her husband 2 years ago. Unfortunately, although they lived together for twelve years, they married only 3 months before he died. She was relying on his Social Security benefits but now faces living in poverty on her meager benefits. She also has very limited financial assets, an IRA with about $100,000.She will be 66 in September. ARE THESE THE TOUGHEST CONVERSATIONS JOHN BOGLE’S SON HAS? I can imagine John Bogle Jr. on a camping trip. He meets a group of guys fishing off a dock. They talk about the weather and the fish before they introduce themselves.“What’s your name?” one of the guys asks. “I’m John Bogle. It’s nice to meet you.”“Hey, you have the same name as that guy who founded Vanguard.”“Yeah, that was my dad.”“That’s amazing. THERE IS MORE THAN ONE REASON TO TRANSFER MONEY TO THE Q. I’m writing because of a recent column about staying put in the Federal Thrift Savings Plan (TSP): My question is the flip side of what was discussed— should I transfer money in?I am 64 years old. I receive a pension from the Arizona State Retirement System. But soon after I retired I became tired of being retired. So I took a teaching job with a community college in Texas. INVEST FOR YOUR LIFE AssetBuilder is a goal-oriented money manager dedicated to earning better returns on life. Through low-cost index funds and even lower fees we help achieve all of your long-term financial objectives. HOW TO SPEND MORE NOW, LESS LATER Allow me to introduce the Hedonic Tilt. That’s a formal title for what most of us want to do in retirement. We want to spend more now, while we can enjoy it. And we’ll cope with spending less later, when our ability to enjoy spending may have gone by. It’s an entirely

reasonable desire.

ARTICLES BY

At AssetBuilder, we believe that continued learning is the key to wealth, health and happiness. Take advantage of the AssetBuilder Knowledge Center, with articles from Scott Burns, Andrew Hallam, Michael French, and Jared Herzog as well as videos, INDEX FUNDS CAN HAVE MAJOR TAX ADVANTAGES So consider these figures. Dividends are now taxed at 15 percent. The S&P 500 index now has a dividend yield of about 2 percent a year. So if you pay a 15 percent income tax rate against that, it will reduce your gross return by 0.30 percent (.15x2.00) of your investment each year. Capital gain distributions are even less of a concern. THE PROBLEM WITH 403(B) PLANS Yes. You can save more money. If a worker in a large, low cost 401k plan invests 10 percent of income, a worker in a 403 (b) plan dominated by higher cost variable annuities would have to save 13 percent of income over 40 years to accumulate the same amount of money as the 401 (k) plan worker. This is not, by the way, the result of an

evil plot

ARE THESE THE TOUGHEST CONVERSATIONS JOHN BOGLE’S SON HAS? I can imagine John Bogle Jr. on a camping trip. He meets a group of guys fishing off a dock. They talk about the weather and the fish before they introduce themselves.“What’s your name?” one of the guys asks. “I’m John Bogle. It’s nice to meet you.”“Hey, you have the same name as that guy who founded Vanguard.”“Yeah, that was my dad.”“That’s amazing. HOW TO PROTECT PENSION INCOME FROM INFLATION Simple. For every $1,000 a year of pension income, you'll need an Inflation Protection Fund' of $4,546 to $6,070. If your pension is $20,000 a year, you'll need about six times as much--- $120,000--- in I Savings Bonds to maintain your purchasing power. IS IT TOO DANGEROUS TO RETIRE IN MEXICO? “Plenty of people ask me if it’s safe to retire in Mexico,” says J.E. Jack. “I tell them I get kidnapped twice a week and occasionally beheaded.” The sixty-four year-old used to live and work in Los Angeles, California. But he retired to San Antonio, Mexico five years ago. He’s among thousands of expatriate retirees living near Mexico’s Lake Chapala. INVEST FOR YOUR LIFE AssetBuilder is a goal-oriented money manager dedicated to earning better returns on life. Through low-cost index funds and even lower fees we help achieve all of your long-term financial objectives. ASSETBUILDER'S KNOWLEDGE CENTER Learn a thing or two about investing from 5 great writers, including legendary financial columnist, Scott Burns.

ARTICLES BY

At AssetBuilder, we believe that continued learning is the key to wealth, health and happiness. Take advantage of the AssetBuilder Knowledge Center, with articles from Scott Burns, Andrew Hallam, Michael French, and Jared Herzog as well as videos, THERE IS MORE THAN ONE REASON TO TRANSFER MONEY TO THE Q. I’m writing because of a recent column about staying put in the Federal Thrift Savings Plan (TSP): My question is the flip side of what was discussed— should I transfer money in?I am 64 years old. I receive a pension from the Arizona State Retirement System. But soon after I retired I became tired of being retired. So I took a teaching job with a community college in Texas. HOW TO SPEND MORE NOW, LESS LATER Allow me to introduce the Hedonic Tilt. That’s a formal title for what most of us want to do in retirement. We want to spend more now, while we can enjoy it. And we’ll cope with spending less later, when our ability to enjoy spending may have gone by. It’s an entirely

reasonable desire.

HOW TO BUILD A TREASURY LADDER The 3, 10, and 30 year obligations are sold quarterly with auctions in February, May, August, and November. As a result, the next best time to do major Treasury shopping is this month----August--- when some of every maturity will be issued. HOW DOES DFA COMPARE TO VANGUARD? The battle lines were clear. On one side, stood Vanguard founder John Bogle. Burton Malkiel, author of A Random Walk Down Wall Street stood next to him. Warren Buffett backed them both. A force of Nobel Prize winners in Economics also lent their weight. Actively managed mutual funds, they said, cost too much. Investors are better off with index

funds.

FIDELITY SAYS NO TO OVERSEAS AMERICANS, BUT THERE’S A Last month, The Wall Street Journal said Fidelity was banning U.S. investors overseas from buying its mutual funds. Is it a blessing in disguise? Fidelity does sell indexes. But the firm is best known for its actively managed products. No, there’s nothing wrong with

Fidelity’s funds.

five-year period.

INVEST FOR YOUR LIFE AssetBuilder is a goal-oriented money manager dedicated to earning better returns on life. Through low-cost index funds and even lower fees we help achieve all of your long-term financial objectives. ASSETBUILDER'S KNOWLEDGE CENTER Learn a thing or two about investing from 5 great writers, including legendary financial columnist, Scott Burns.

ARTICLES BY

At AssetBuilder, we believe that continued learning is the key to wealth, health and happiness. Take advantage of the AssetBuilder Knowledge Center, with articles from Scott Burns, Andrew Hallam, Michael French, and Jared Herzog as well as videos, THERE IS MORE THAN ONE REASON TO TRANSFER MONEY TO THE Q. I’m writing because of a recent column about staying put in the Federal Thrift Savings Plan (TSP): My question is the flip side of what was discussed— should I transfer money in?I am 64 years old. I receive a pension from the Arizona State Retirement System. But soon after I retired I became tired of being retired. So I took a teaching job with a community college in Texas. HOW TO SPEND MORE NOW, LESS LATER Allow me to introduce the Hedonic Tilt. That’s a formal title for what most of us want to do in retirement. We want to spend more now, while we can enjoy it. And we’ll cope with spending less later, when our ability to enjoy spending may have gone by. It’s an entirely

reasonable desire.

funds.

Fidelity’s funds.

five-year period.

HOW TO SPEND MORE NOW, LESS LATER Allow me to introduce the Hedonic Tilt. That’s a formal title for what most of us want to do in retirement. We want to spend more now, while we can enjoy it. And we’ll cope with spending less later, when our ability to enjoy spending may have gone by. It’s an entirely

reasonable desire.

WHY INDEX FUNDS HAVE TAX ADVANTAGES Investing in index funds is a lot like fishing. You drag a net around a lake. You sit back in your boat, enjoy a nice drink and you can sell what you catch. Investing in actively managed funds is much the same. But you hire a few scuba divers to swim around your net. They try to corral the fish. Before you pay the divers, things might look good. But after expenses, this industrious approach VARIABLE ANNUITIES VS. MUTUAL FUNDS Q. I am 31, rent a house and have no outstanding debt. I have some money in a fixed annuity and some savings. My parents have begun giving me the maximum allowed gift per year ($20,000) in order to reduce their estate taxes. They plan to do this for the foreseeable future. I have begun researching the best options to invest this money, for now and down the road. I have talked with two HOW DOES YOUR WEALTH STACK UP? Median numbers are different. Americans between the ages of 50 and 54 had median household net worth of just $137,866. If we don’t include home equity, their net worth was just $50,154. SOCIALLY RESPONSIBLE INDEX FUNDS: NO GUNS, CIGARETTES OR Earlier this month, a gunman opened fire at Borderline Bar and Grill, in Thousand Oaks, California. Thirteen people were killed, including the shooter. According to data from the Gun Violence Archive, it was the 307th mass shooting in the United States this year. More Americans now support increased gun control policies. NPR initiated a survey of 1,005 adults. It included 351 Democrats, 341 SHOULD YOU WORRY WHEN STOCK MARKETS HIT ALL-TIME HIGHS? It’s the most common question I’ve received for many months. “I’m new to investing. With the market near its peak, should I wait for the market to get a bit cheaper?” Such investors know their history—at least some of it. Markets rise and markets fall. Now that we’ve seen a very visible fall, the same folks are wondering if they should wait some more. But there’s a bigger story THE MARGARITA PORTFOLIO Although there are many abominations that don't follow the original recipe, the traditional margarita is the best. For drinking, that recipe is one part tequila, one THE PROBLEM WITH 403(B) PLANS To measure the difference, I used an accumulation model and compared how much three different workers would accumulate over 30 and 40 year periods assuming they made the same equity investments in a large 401(k) plan, a small 401(k) plan, and a typical variable annuity

offered in a

ARTICLES BY

At AssetBuilder, we believe that continued learning is the key to wealth, health and happiness. Take advantage of the AssetBuilder Knowledge Center, with articles from Scott Burns, Andrew Hallam, Michael French, and Jared Herzog as well as videos, ASSETBUILDER'S KNOWLEDGE CENTER Learn a thing or two about investing from 5 great writers, including legendary financial columnist, Scott Burns. HOW TO BEAT THE S&P 500 INDEX Twenty-five years ago, Michael O’Higgins showed the world how to beat the market. His 1990 international bestseller, Beating the Dow, explained a simple strategy that anyone could follow. It took ten minutes a year. Investors with the discipline to follow O’Higgins’ method since his book’s publication would have made a small fortune. From 1991 until 2016, his strategy gained an average WHY INDEX FUNDS HAVE TAX ADVANTAGES Investing in index funds is a lot like fishing. You drag a net around a lake. You sit back in your boat, enjoy a nice drink and you can sell what you catch. Investing in actively managed funds is much the same. But you hire a few scuba divers to swim around your net. They try to corral the fish. Before you pay the divers, things might look good. But after expenses, this industrious approach HOW TO SPEND MORE NOW, LESS LATER Allow me to introduce the Hedonic Tilt. That’s a formal title for what most of us want to do in retirement. We want to spend more now, while we can enjoy it. And we’ll cope with spending less later, when our ability to enjoy spending may have gone by. It’s an entirely

reasonable desire.

funds.

IS IT TOO DANGEROUS TO RETIRE IN MEXICO? “Plenty of people ask me if it’s safe to retire in Mexico,” says J.E. Jack. “I tell them I get kidnapped twice a week and occasionally beheaded.” The sixty-four year-old used to live and work in Los Angeles, California. But he retired to San Antonio, Mexico five years ago. He’s among thousands of expatriate retirees living near Mexico’s Lake Chapala. THERE IS MORE THAN ONE REASON TO TRANSFER MONEY TO THE Q. I’m writing because of a recent column about staying put in the Federal Thrift Savings Plan (TSP): My question is the flip side of what was discussed— should I transfer money in?I am 64 years old. I receive a pension from the Arizona State Retirement System. But soon after I retired I became tired of being retired. So I took a teaching job with a community college in Texas. WHERE SNAKES IN SUITS MAKE MONEY Robert D. Hare has met a few real-life Hannibal Lecters. Lecter was the sophisticated psychopath in the film, Silence of the Lambs. He was a social genius who sometimes ate his victims. Dr. INVEST FOR YOUR LIFE AssetBuilder is a goal-oriented money manager dedicated to earning better returns on life. Through low-cost index funds and even lower fees we help achieve all of your long-term financial objectives.

ARTICLES BY

At AssetBuilder, we believe that continued learning is the key to wealth, health and happiness. Take advantage of the AssetBuilder Knowledge Center, with articles from Scott Burns, Andrew Hallam, Michael French, and Jared Herzog as well as videos, ASSETBUILDER'S KNOWLEDGE CENTER Learn a thing or two about investing from 5 great writers, including legendary financial columnist, Scott Burns. HOW TO BEAT THE S&P 500 INDEX Twenty-five years ago, Michael O’Higgins showed the world how to beat the market. His 1990 international bestseller, Beating the Dow, explained a simple strategy that anyone could follow. It took ten minutes a year. Investors with the discipline to follow O’Higgins’ method since his book’s publication would have made a small fortune. From 1991 until 2016, his strategy gained an average WHY INDEX FUNDS HAVE TAX ADVANTAGES Investing in index funds is a lot like fishing. You drag a net around a lake. You sit back in your boat, enjoy a nice drink and you can sell what you catch. Investing in actively managed funds is much the same. But you hire a few scuba divers to swim around your net. They try to corral the fish. Before you pay the divers, things might look good. But after expenses, this industrious approach HOW TO SPEND MORE NOW, LESS LATER Allow me to introduce the Hedonic Tilt. That’s a formal title for what most of us want to do in retirement. We want to spend more now, while we can enjoy it. And we’ll cope with spending less later, when our ability to enjoy spending may have gone by. It’s an entirely

reasonable desire.

funds.

IS IT TOO DANGEROUS TO RETIRE IN MEXICO? “Plenty of people ask me if it’s safe to retire in Mexico,” says J.E. Jack. “I tell them I get kidnapped twice a week and occasionally beheaded.” The sixty-four year-old used to live and work in Los Angeles, California. But he retired to San Antonio, Mexico five years ago. He’s among thousands of expatriate retirees living near Mexico’s Lake Chapala. THERE IS MORE THAN ONE REASON TO TRANSFER MONEY TO THE Q. I’m writing because of a recent column about staying put in the Federal Thrift Savings Plan (TSP): My question is the flip side of what was discussed— should I transfer money in?I am 64 years old. I receive a pension from the Arizona State Retirement System. But soon after I retired I became tired of being retired. So I took a teaching job with a community college in Texas. WHERE SNAKES IN SUITS MAKE MONEY Robert D. Hare has met a few real-life Hannibal Lecters. Lecter was the sophisticated psychopath in the film, Silence of the Lambs. He was a social genius who sometimes ate his victims. Dr. HOW TO BEAT THE S&P 500 INDEX Twenty-five years ago, Michael O’Higgins showed the world how to beat the market. His 1990 international bestseller, Beating the Dow, explained a simple strategy that anyone could follow. It took ten minutes a year. Investors with the discipline to follow O’Higgins’ method since his book’s publication would have made a small fortune. From 1991 until 2016, his strategy gained an average HOW TO SPEND MORE NOW, LESS LATER Allow me to introduce the Hedonic Tilt. That’s a formal title for what most of us want to do in retirement. We want to spend more now, while we can enjoy it. And we’ll cope with spending less later, when our ability to enjoy spending may have gone by. It’s an entirely

reasonable desire.

HOW TO BUILD A TREASURY LADDER To build a 5 year ladder you would need to buy a 1, 2, 3, and 5 year at issue and a 4 year security in the after-market. Alternatively, you could wait a year and buy an additional 5 and 3 year security at issue to complete your ladder. To build a 10 year ladder you really need to use the after-market. You could buy a 1,2,3, 5, and 10 year HOW DOES YOUR WEALTH STACK UP? According to 2016 Federal Reserve data, the average household net worth was $838,702. If we don’t include home equity, the average American household in the 50-54 year age group had a net worth of $701,558. Median numbers are different. Americans between the ages of 50 and 54 had median household net worth of just $137,866.

ARTICLES BY

At AssetBuilder, we believe that continued learning is the key to wealth, health and happiness. Take advantage of the AssetBuilder Knowledge Center, with articles from Scott Burns, Andrew Hallam, Michael French, and Jared Herzog as well as videos, THE PROBLEM WITH 403(B) PLANS Yes. You can save more money. If a worker in a large, low cost 401k plan invests 10 percent of income, a worker in a 403 (b) plan dominated by higher cost variable annuities would have to save 13 percent of income over 40 years to accumulate the same amount of money as the 401 (k) plan worker. This is not, by the way, the result of an

evil plot

WHERE SNAKES IN SUITS MAKE MONEY Where Snakes In Suits Make Money. Robert D. Hare has met a few real-life Hannibal Lecters. Lecter was the sophisticated psychopath in the film, Silence of the Lambs. He was a social genius who sometimes ate his victims. Dr. SOCIALLY RESPONSIBLE INDEX FUNDS: NO GUNS, CIGARETTES OR Socially Responsible Index Funds: No Guns, Cigarettes or Sky-High Carbon Footprints. Earlier this month, a gunman opened fire at Borderline Bar and Grill, in Thousand Oaks, California. Thirteen people were killed, including the shooter. According to data from the Gun Violence Archive, it was the 307th mass shooting in the United

States this year.

HOW TO PROTECT PENSION INCOME FROM INFLATION Simple. For every $1,000 a year of pension income, you'll need an Inflation Protection Fund' of $4,546 to $6,070. If your pension is $20,000 a year, you'll need about six times as much--- $120,000--- in I Savings Bonds to maintain your purchasing power. WHAT KIPLINGER’S HAS IN COMMON WITH ONLINE PORN The world has changed–a lot.A friend of mine is a school psychologist. He says many teenaged boys are addicted to online porn. Philip Zimbardo agrees. He’s a psychologist and professor emeritus at Stanford University. He’s also the author of Man Interrupted: Why Young Men Are Struggling And What We Can Do About It. Zimbardo says online porn is a serious problem. INVEST FOR YOUR LIFE AssetBuilder is a goal-oriented money manager dedicated to earning better returns on life. Through low-cost index funds and even lower fees we help achieve all of your long-term financial objectives.

ARTICLES BY

At AssetBuilder, we believe that continued learning is the key to wealth, health and happiness. Take advantage of the AssetBuilder Knowledge Center, with articles from Scott Burns, Andrew Hallam, Michael French, and Jared Herzog as well as videos, ASSETBUILDER'S KNOWLEDGE CENTER Learn a thing or two about investing from 5 great writers, including legendary financial columnist, Scott Burns. HOW TO BEAT THE S&P 500 INDEX Twenty-five years ago, Michael O’Higgins showed the world how to beat the market. His 1990 international bestseller, Beating the Dow, explained a simple strategy that anyone could follow. It took ten minutes a year. Investors with the discipline to follow O’Higgins’ method since his book’s publication would have made a small fortune. From 1991 until 2016, his strategy gained an average WHY INDEX FUNDS HAVE TAX ADVANTAGES Investing in index funds is a lot like fishing. You drag a net around a lake. You sit back in your boat, enjoy a nice drink and you can sell what you catch. Investing in actively managed funds is much the same. But you hire a few scuba divers to swim around your net. They try to corral the fish. Before you pay the divers, things might look good. But after expenses, this industrious approach HOW TO SPEND MORE NOW, LESS LATER Allow me to introduce the Hedonic Tilt. That’s a formal title for what most of us want to do in retirement. We want to spend more now, while we can enjoy it. And we’ll cope with spending less later, when our ability to enjoy spending may have gone by. It’s an entirely

reasonable desire.

funds.

ARTICLES BY

At AssetBuilder, we believe that continued learning is the key to wealth, health and happiness. Take advantage of the AssetBuilder Knowledge Center, with articles from Scott Burns, Andrew Hallam, Michael French, and Jared Herzog as well as videos, ASSETBUILDER'S KNOWLEDGE CENTER Learn a thing or two about investing from 5 great writers, including legendary financial columnist, Scott Burns. HOW TO BEAT THE S&P 500 INDEX Twenty-five years ago, Michael O’Higgins showed the world how to beat the market. His 1990 international bestseller, Beating the Dow, explained a simple strategy that anyone could follow. It took ten minutes a year. Investors with the discipline to follow O’Higgins’ method since his book’s publication would have made a small fortune. From 1991 until 2016, his strategy gained an average WHY INDEX FUNDS HAVE TAX ADVANTAGES Investing in index funds is a lot like fishing. You drag a net around a lake. You sit back in your boat, enjoy a nice drink and you can sell what you catch. Investing in actively managed funds is much the same. But you hire a few scuba divers to swim around your net. They try to corral the fish. Before you pay the divers, things might look good. But after expenses, this industrious approach HOW TO SPEND MORE NOW, LESS LATER Allow me to introduce the Hedonic Tilt. That’s a formal title for what most of us want to do in retirement. We want to spend more now, while we can enjoy it. And we’ll cope with spending less later, when our ability to enjoy spending may have gone by. It’s an entirely

reasonable desire.

funds.

IS IT TOO DANGEROUS TO RETIRE IN MEXICO? “Plenty of people ask me if it’s safe to retire in Mexico,” says J.E. Jack. “I tell them I get kidnapped twice a week and occasionally beheaded.” The sixty-four year-old used to live and work in Los Angeles, California. But he retired to San Antonio, Mexico five years ago. He’s among thousands of expatriate retirees living near Mexico’s Lake Chapala. THERE IS MORE THAN ONE REASON TO TRANSFER MONEY TO THE Q. I’m writing because of a recent column about staying put in the Federal Thrift Savings Plan (TSP): My question is the flip side of what was discussed— should I transfer money in?I am 64 years old. I receive a pension from the Arizona State Retirement System. But soon after I retired I became tired of being retired. So I took a teaching job with a community college in Texas. WHERE SNAKES IN SUITS MAKE MONEY Robert D. Hare has met a few real-life Hannibal Lecters. Lecter was the sophisticated psychopath in the film, Silence of the Lambs. He was a social genius who sometimes ate his victims. Dr. HOW TO BEAT THE S&P 500 INDEX Twenty-five years ago, Michael O’Higgins showed the world how to beat the market. His 1990 international bestseller, Beating the Dow, explained a simple strategy that anyone could follow. It took ten minutes a year. Investors with the discipline to follow O’Higgins’ method since his book’s publication would have made a small fortune. HOW TO SPEND MORE NOW, LESS LATER Allow me to introduce the Hedonic Tilt. That’s a formal title for what most of us want to do in retirement. We want to spend more now, while we can enjoy it. And we’ll cope with spending less later, when our ability to enjoy spending may have gone by. It’s an entirely

reasonable desire.

HOW DOES YOUR WEALTH STACK UP? Median numbers are different. Americans between the ages of 50 and 54 had median household net worth of just $137,866. If we don’t include home equity, their net worth was just $50,154.

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At AssetBuilder, we believe that continued learning is the key to wealth, health and happiness. Take advantage of the AssetBuilder Knowledge Center, with articles from Scott Burns, Andrew Hallam, Michael French, and Jared Herzog as well as videos, HOW TO BUILD A TREASURY LADDER The 3, 10, and 30 year obligations are sold quarterly with auctions in February, May, August, and November. As a result, the next best time to do major Treasury shopping is this month----August--- when some of every maturity will be issued. SOCIALLY RESPONSIBLE INDEX FUNDS: NO GUNS, CIGARETTES OR Earlier this month, a gunman opened fire at Borderline Bar and Grill, in Thousand Oaks, California. Thirteen people were killed, including the shooter. According to data from the Gun Violence Archive, it was the 307th mass shooting in the United States this year. More Americans now support increased gun control policies. NPR initiated a survey of 1,005 adults. It included 351 Democrats, 341 THE PROBLEM WITH 403(B) PLANS To measure the difference, I used an accumulation model and compared how much three different workers would accumulate over 30 and 40 year periods assuming they made the same equity investments in a large 401(k) plan, a small 401(k) plan, and a typical variable annuity

offered in a

WHERE SNAKES IN SUITS MAKE MONEY Robert D. Hare has met a few real-life Hannibal Lecters. Lecter was the sophisticated psychopath in the film, Silence of the Lambs. He was a social genius who sometimes ate his victims. Dr. HOW TO PROTECT PENSION INCOME FROM INFLATION Investment Needed To Protect Purchasing Power of $1,000 Pension: In order to offset the effect of inflation on a fixed income over a period of 25 years, a conservative investor would buy I Savings Bonds in the amount calculated below. WHAT KIPLINGER’S HAS IN COMMON WITH ONLINE PORN The world has changed–a lot.A friend of mine is a school psychologist. He says many teenaged boys are addicted to online porn. Philip Zimbardo agrees. He’s a psychologist and professor emeritus at Stanford University. He’s also the author of Man Interrupted: Why Young Men Are Struggling And What We Can Do About It. Zimbardo says online porn is a serious problem.

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