#artplatform #art show #2012 by thatshittreyyyy http://instagr.am/p/QH9BMwQTJZ/
via Tumblr http://nickvenezia.tumblr.com/post/32462928084
#artplatform #art show #2012 by thatshittreyyyy http://instagr.am/p/QH9BMwQTJZ/
One of my favorite posts! Debating going back to this hair color. I felt like Malibu Barbie this day. #hair #neon #fashion #style #me #ootd #blog #blogger #accessories #girl #instagramhub #iphonesia #picoftheday #colorblock #outfit #lefashionmonster by lefashnmonster http://instagr.am/p/QHzmDztfaq/
Know Your Own Inflation Rate for Your Investments http://nick-v.me/PouCol
The Consumer Price Index (CPI), a measure of inflation, is a monthly statistic representing the change in prices paid by urban consumers for a representative basket of goods and services. While this measure serves more as an official gauge, a lot of consumers (especially retired consumers and investors) seem to have a different sense of inflation. The question often arises: Why is it that the official rate seems to be lower than what we’re actually feeling out there?
Our inflation rate may vary depending on our individual expenditures. This means that some people may experience higher inflation relative to others. For a senior, food and energy costs are a very high proportion of their total household outlay. The location where you live can also impact your personal inflation rate. If you have a fixed-rate mortgage, or if you’re retired and your home is paid for, you won’t experience fluctuating housing costs as a result of having an adjustable-rate mortgage or paying rent. But you may see housing costs vary from one region of the country to another. Another big swing factor in your personal inflation rate is health-care cost. If you have purchased a long-term care policy with an inflation rider, you can insulate yourself against rising nursing-home and other long-term care costs.
Anyone who has Social Security has a buffer against higher prices because Social Security includes a cost-of-living adjustment. If a Social Security paycheck is a big proportion of your total income needs, you’re likely in good shape as far as inflation is concerned. If it’s just a tiny portion of your total income needs, you’re not in as good a shape. If you’re receiving a pension with an inflation adjustment it can help you stave off inflation, and the same goes for folks who have an annuity with an inflation rider; they will have some protection against inflation. What about folks who are still in employment? If you’re still working, either full-time or part-time, you may potentially be able to get a cost-of-living adjustment in your paycheck. If you’re not working and not eligible for those cost-of-living adjustments, you’ll need to plan for inflation accordingly.
Finally, it’s also important to gauge whether your portfolio is built to withstand your personal rate of inflation. Portfolio composition is the key here. Investments such as short-term bonds and cash may not safeguard against the threat of inflation. If a high proportion of your portfolio consists of cash or short-term bonds without any inflation protection built in, you may see a large percentage of your return eaten away by inflation. Next up is your portfolio time horizon. Seniors who are quite far into their retirement and don’t anticipate having a long time horizon for their investment assets probably need to be less concerned about the toll that inflation will take over time. However, if you’re just starting out in retirement, you may need to plan for inflation-proofing your portfolio, because over time, even a seemingly benign inflation rate of 3% may take a bite out of your portfolio return.
Diversification does not eliminate the risk of experiencing investment losses. Government bonds and Treasury bills are guaranteed by the full faith and credit of the U.S. government as to the timely payment of principal and interest, while stocks are not guaranteed and have been more volatile than other asset classes. Annuities are suitable for long-term investing, particularly retirement savings. Annuity risks include market risk, liquidity risk, annuitization risk, tax risk, estate risk, interest-rate risk, inflation risk, death and survivorship risk, and company failure risk. Withdrawal of earnings will be subject to ordinary income tax and, if taken prior to age 59½, may be subject to a 10% federal tax penalty. Additional fees and investment restrictions may apply for living-benefit options. Violating the terms and conditions of the annuity contract may void guarantees. Consult a financial advisor and tax advisor before purchasing an annuity.
Want: NIKE, Inc. - Nike+ FuelBand ‘ICE’ http://nick-v.me/Tn128L
Want: Lightbulbs | Restoration Hardware http://nick-v.me/Uqr0D3
Want: Glass Funnel Filament Pendant Polished Nickel http://nick-v.me/Tn128C
Happy #dog w/ toy http://instagr.am/p/P7fIP6CfC4/
#love #instagood #photooftheday #instamood #cute #iphoneonly #picoftheday #instadaily #bestoftheday #beautiful #webstagram #summer #nature #nofilter #pretty #fun #art http://instagr.am/p/P5JdB5ifCf/
#instagood #photooftheday #instagramhub #instadaily #bestoftheday #summer #picoftheday #food #lacountyfair http://instagr.am/p/P5JOWtifCQ/
#instagood #photooftheday #iphoneonly #picoftheday #instadaily #bestoftheday #nofilter http://instagr.am/p/Px76BcCfDc/
🎶I’ll make it easy for you, what a disaster/We couldn’t go wrong, any faster🎶 #green #fashion #me #girl #iphonesia #style #blonde #blouse #trees #igersturkey #smile #picfx #ootd #iphoneography by lefashnmonster http://instagr.am/p/Pxxd6MNffN/
The Art of Asset Allocation http://nick-v.me/Upa2Ie
Asset location is a part of the investing strategy that involves deciding which investments to hold in which accounts, and taxes play an important role in this decision. Here are a few basic guidelines.
Hold in Your Tax-Sheltered Accounts: Assets With High Tax Costs. In general, government or corporate bonds and bond funds may be a better fit for tax-sheltered accounts (like IRAs and 401(k)s) than for taxable accounts because their payouts are taxed at an investor’s ordinary income tax rate. If you need to hold bonds in your taxable accounts, a municipal bond or municipal bond fund might offer you a better after-tax yield than a taxable bond investment, because income from munis is exempt of federal income taxes.
Hold in Your Taxable Accounts: Assets With Low Tax Costs. By contrast, stocks and stock funds may generally be a better bet for taxable accounts. Long-term capital gains, which is what you have when you sell a stock that you’ve held for at least a year, are taxed at a much lower rate than bond income (however, these favorable tax rates are set to expire at the end of 2012).
Stocks are not guaranteed and have been more volatile than the other asset classes. Dividends are not guaranteed. Bonds are subject to credit/default risk and interest-rate risk. Municipal bonds may be subject to the alternative minimum tax (AMT) and state and local taxes, and federal taxes apply to any capital gains distributions. Retirement accounts are tax-deferred vehicles designed for retirement savings. Any withdrawals of earnings will be subject to ordinary income tax and, if taken prior to age 59½, may be subject to a 10% federal tax penalty. This should not be considered tax or financial planning advice. Please consult a tax and/or financial professional for advice specific to your individual circumstances.
#instagood #photooftheday #iphoneonly #picoftheday #bestoftheday #beautiful #summer #sun @pasadena city hill http://instagr.am/p/PrqrVICfI7/
Way 2 hot! 107 is to hot for humans http://instagr.am/p/PkloaLCfCj/
#richkidsofinstagram bling bling #watches http://instagr.am/p/PjvtVZCfND/
I don’t keep a budget. I let this program do it for me.
Scary thought
Time to get a watch #bellnross #Hipstamatic #RobotoGlitter #Pistil http://instagr.am/p/Phaq8jifGU/
Summer day chilling #dog #swag #beautiful #instagood #photooftheday #summer #instagramhub #cute powered by @instatagapp http://instagr.am/p/Pfh2dDifGc/
Summer day chilling #dog #swag #beautiful #instagood #photooftheday #summer #instagramhub #cute powered by @instatagapp (Taken with Instagram)
The Flavors of Investing your 401k http://nick-v.me/Q2OUmZ
The US has made a new weapon that destroys people but keeps the building standing, it’s called the stock market! - Jay Leno
CFO – Corporate Fraud Officer.
I want to warn people from Nigeria, if you get any e mails from Washington asking for money, it’s a scam. Don’t fall for it
#djcunty #house #luvshack #beats #techno by cunty_cait http://instagr.am/p/PZ72L3vPtc/
Repost From Yesterdays #FizzAndFrills Event @0ptimix by jaysauz
Obsessing over my recent haircut! Love my layers! Arnaud at Headscape is a hair God! If you are in LA…he is your man! #hair #blonde #hairstyle #beauty #fashion #girl #salon #instabeauty by lefashnmonster http://instagr.am/p/PaToBqtfen/
#ThenIveBeenGoingGreenSinceWhoKnowsWhen #ButWhichBeaverWeTalkingAbout by jaysauz http://instagr.am/p/PaVwwVKK9L/
@jazzywaltz by tiffymatt http://instagr.am/p/PaXmUKyM28/
Life Out of the Fishbowl. Vintage #SIDFLY #photography. @aspergers #fashion #style #jump #blue #instafashion #me #girl #trippy #fun by lefashnmonster http://instagr.am/p/PaZcfvNfTL/
Ahhh the joys of being a mommy… I get to play my favs all over again 🏆🚺🚼 by estiemattox http://instagr.am/p/PagE7vBWZ7/
by nataliehodgelv http://instagr.am/p/ParGO3JIBD/
5 Ways to Cut Housing-Related Costs in Retirement and Save Your 401k http://nick-v.me/Pj8BK4
When tracking the activities of your investments, you should look at the big picture.
As a long-term investor, you shouldn’t panic when your investments experience short-term movements.
Don’t sweat the small stuff.
informed investor, which is what you need to be to be successful in the long run.
luck, tips sometimes pan out. But they will never make you an informed #investor
Relying on tidbit of stock information from someone else is an attempt at taking the easy way out, also type of gambling.
do your own research and analysis of any company before you even consider investing your hard-earned money.
Whether the stock tip comes from your brother, your cousin, your neighbor or even your broker, you shouldn’t accept it as law.
The 9 Required Menu Items At Every Chain Restaurant
Who’s hungry?
Don’t be afraid to swallow your pride and move on before your losses become even greater.
Recognizing your investment losers is hard because it’s also an acknowledgment of your mistake.
It’s important not 2 underestimate good stocks, it’s equally important 2 be realistic about investments that r performing badly
There is no guarantee that a stock will bounce back after a protracted decline
if u don’t have a good understanding of potential of ur investments, ur personal rules may end up being arbitrary & too limiting
Don’t underestimate a stock that is performing well by sticking to some rigid personal rule
No one in the history of investing with a “sell-after-I-have-tripled-my-money” mentality has ever had a tenbagger.
the idea of holding onto high-quality investments while selling the poor ones is great in theory, but hard to put into practice
If investor doesn’t know when time to let go of hopeless stocks, the stock sink to point where it is almost worthless.
investors must take profits by selling appreciated investments, but they hold onto stocks that have declined in hope of rebound
more than 50 million Americans couldn’t afford to buy food at some point in 2011
#photooftheday #instagramers #iphoneonly #instagood #eyes #follow #bestoftheday #swag #me #cute #picoftheday #beautiful #webstagram #fashion #nature #funny #pretty #fun http://instagr.am/p/PNCs9JifJe/
#photooftheday #instagramers #iphoneonly #instagood #eyes #follow #bestoftheday #swag #me #cute #picoftheday #beautiful #webstagram #fashion #nature #funny #pretty #fun (Taken with Instagram)