John's Articles

Originally Published on Forbes.com

Beware the Financial Industry’s Annual Retirement-Terror Campaign

February 6, 2014
It’s that dreaded time of year when most of us get on our scales and realize with a heavy sigh that we’ve gained another ten pounds, and it’s when we sit down to do our year-end financial reckoning only to realize with a sinking feeling that we’ve missed our money goals, too. Where did all that weight come from? Where did all my money go? It’s that dreaded time of year when most of us get on..Read More

When Is A Dollar Not Worth A Dollar?

October 7, 2013
Not all dollars are created equal. If you don’t know the difference, you could be sabotaging your savings and retirement goals.  A dollar in your wallet is not the same as a dollar of equity in your home. A dollar in your 401(k) retirement account is not the same as a dollar of cash value in a life insurance policy. A dollar in your paycheck is not the same as a dollar of equity in your business. If you want to be in control..Read More

The Math Behind Obama’s Social Security “Cuts”

May 1, 2013
  Washington is playing games with words and numbers in the debate over the Obama administration’s proposal to change the way annual cost of-living adjustments (COLA) in Social Security benefits are calculated—from the Labor Department’s widely-followed Consumer Price Index (CPI) to something called the Chained CPI. The issue has generated so much controversy, the president’s loyal supporters have become his most vociferous critics, accusing him of making seniors..Read More

Hidden Tax Time Bombs That Sabotage Retirement

April 17, 2013
  If you think your taxes are too high, you might be right, but don’t be so quick to blame Washington, or the percenters— be they the one, the 47, or the 99. You could be sabotaging your financial goals by making a couple of common tax-related decisions that seemed right at the time, but could come back to haunt you later. Examples facing a growing number of people these days are the second home/rental..Read More

Gen-Xers, Millennials May Reap Big Benefits From Great Recession

March 25, 2013
It’s become accepted wisdom that the Boomer generation’s wretched excesses and the financial crises that followed have spoiled the financial and career prospects of the next generations, especially those born since the mid-to late1960s. Known variously as Generations X, Y, and Z—or Busters, Millennials, and Digitals—these twenty- to forty-somethings are said to be doomed to lives of under-achievement and financial uncertainty. The Great Recession has taken its toll on..Read More
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