Starting next week, my weekly digest like this one will move to e-mail delivery only. I’m making this change because I want to populate the blog website with only full-featured articles. Regular articles will still be posted to the blog and included in the RSS feed.
Current e-mail subscribers will continue receiving both new blog articles and the digest. No action is required on your part.
Because I don’t post often, the digest posts make up 1/3 to 1/2 of the posts on the blog. Although readers like them, search engines only see them as a bunch of links with a short blurb and regard them as “low quality.” Too many “low quality” pages on a site and associated with my name negatively affect my standing. A lower standing means fewer people will be able to find even my good stuff.
Putting the digest through a different channel outside search engines’ purview is my compromise win-win. Readers still get the same content. I get to correct the search engines’ misperception of my site and me as the author.
Besides setting up the new e-mail service, I read these interesting articles this week:
The Great Debate: Save Money or Make Money? by Kali Hawlk at Your Personal Finance Pro
While most people will say both, if I must choose I’d choose make money, but not as in moonlighting or freelancing. Doing a job well will usually work much better. Read my story in about me.
Reader Study: Getting Rich in Manhattan… on $65k/year by MMM at Mr. Money Mustache
This article is actually a math quiz. Can you figure out what’s going on?
Social Security And Early Retirement at Go Curry Cracker
Getting less from Social Security is not a problem for someone retiring early and thus having worked fewer years. A lower average earning over 35 years means you get a better return for your Social Security taxes paid.
Evaluating Exposure To The Alternative Minimum Tax And Strategies To Reduce The AMT Bite by Michael Kitces at Nerd’s Eye View
By coincidence Michael Kitces and I posted about the AMT on the same day. Of course he goes into much more details, including visuals for the phaseout zones.
Tap Retirement Funds/Social Security at Wall Street Journal
Recorded webcast featuring blogger Mike Piper at Oblivious Investor and other guests. It goes with this article The Smart Way to Tap Investment Accounts in Retirement by Andrea Coombes.
The value of enduring advice by Fran Kinniry at Vanguard Blog for Advisors
Vanguard shows where a financial advisor can offer value to a client. If you do those things yourself, you can get most of the value too. For people who would rather outsource, it would be smart to use low-cost good-quality advice.
XY Planning Network and the Future of Getting Paid For Financial Planning by Michael Kitces at Nerd’s Eye View
The most value in having a financial advisor is the financial advice part, but most people who have an advisor are paying much more for the much less valuable asset management part (administrative chores). I’m glad to see this new venture co-founded by Michael Kitces focusing on the advice part. I wish it every success.
Does Asset Location Make Sense? by Rick Ferri at RickFerri.com
If you’ve been reading my blog for some time, you know where I stand already. At low interest rates, it can make more sense to use taxable accounts for [muni] bonds. When rates go up, it would be easy to switch. Not so easy to switch if you have it the other way around.
Rolling over pre-tax money in traditional IRAs to an employer-sponsored plan is a pre-requisite for doing the backdoor Roth. Most plans already accept incoming rollovers from traditional IRAs. For those that still don’t, the IRS provided guidance to help ease their concerns. So hopefully even more plans will do.
Special CDs with Top Rates at Patriot FCU in Parts of PA and MD by Ken Tumin at DepositAccounts.com
If you missed the 3% 5-year CD from PenFed in January here’s another chance but only if you are in certain parts of PA or MD.
Thank you for reading. Enjoy your weekend.