Personal Finance Advice and Commentary

Monday, May 04, 2015 7:00 am
By Dr. Don Taylor · Bankrate.com

The herd instinct is a mentality that rears its ugly head when individual decision-making goes out the window and people invest in the same way as everybody else.

Thursday, April 30, 2015 7:00 am
By Dr. Don Taylor · Bankrate.com

For seniors, your retirement benefits from Social Security are likely to be the best annuity payments you receive.

Tuesday, April 28, 2015 11:00 am
By Dr. Don Taylor · Bankrate.com

A U.S. district court today prohibited Jason Abraham and his company, Brooklyn-based Instant Response Systems, from calling elderly consumers and bullying or tricking them into paying for unordered medical alert devices.

Monday, April 27, 2015 12:53 pm
By Dr. Don Taylor · Bankrate.com

The yield curve could actually flatten, with longer term bonds benefiting from the tightening with price increases.

Tuesday, April 21, 2015 3:59 pm
By Dr. Don Taylor · Bankrate.com

The temptation to retire early has to be vetted with a thorough financial plan that considers the expected and unexpected retirement income needs of the retiree.

Monday, April 20, 2015 2:12 pm
By Dr. Don Taylor · Bankrate.com

When investors own a dividend-paying stock, they receive the dividend payments over time but don’t realize any capital gain yield on the stock until the position is sold.

Wednesday, April 15, 2015 6:00 pm
By Dr. Don Taylor · Bankrate.com

Now’s the time to consider other ways to reduce future required minimum distributions (RMDs) too, such as Roth conversions and purchase of a qualified longevity annuity contract.

Wednesday, April 08, 2015 7:00 am
By Dr. Don Taylor · Bankrate.com

When you accept that there’s not a one-size-fits-all withdrawal rate, you can move forward with approaches to estimating sustainable spending each year based on your portfolio’s valuation.

Monday, April 06, 2015 6:00 pm
By Dr. Don Taylor · Bankrate.com

The issue in waiting until April 15, 2015 to fund 2014′s IRA contributions is that you’re losing up to 15 months’ worth of investment returns.

Friday, April 03, 2015 9:13 am
By Dr. Don Taylor · Bankrate.com

Considering health care costs, a long-term care strategy and managing longevity risk, the goal of not running out of retirement income requires a lot of financial planning.

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