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Phillip E. Bollin, Certified Financial Planner™

401(k) Plan Bans Participants for Frequent Trading Violations

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T. Rowe Price recently barred 1,300 American Airline employees from trading in their 401(k) plans in an effort to discourage mass trading.   The company acted after providing several warnings to the barred employees. According to company spokesman Edward Giltenan T. Rowe Price “took this step to protect all fund shareholders against the disruptive impact of excessive trading,” The group of…

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Investors Move to Sidelines Ahead of Fall Uncertainty

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Anticipating market volatility ahead of a potential Federal Government shutdown over the debt ceiling debate and an expected announcement that the Federal Reserve will begin to slow down its quantitative easing program, investors headed to the sidelines in droves in August. Investors sold more than $30 billion of bonds and bond funds in the month of August. August also saw…

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Is A Deferred-Income Annuity Right For You?

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Recently we have had a few inquiries from prospective clients about a relatively new annuity product called a deferred-income annuity. Insurance companies are touting the new product as a way to build your own future retirement pension. So consumers, especially baby boomers, are naturally interested. In fact, sales of deferred-income annuities have more than doubled over the last year alone….

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How Detroit’s Bankruptcy Threatens Municipal Bond Markets

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Although it probably didn’t come as much of a surprise for many observers, earlier this month the city of Detroit filed for bankruptcy protection making it the largest city to ever do so. Detroit was once the fourth largest city in the United States, with a population of just under 2 million residents. For a multitude of reasons (government corruption,…

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You Have to Be in Gold, by Weston Wellington, Vice President Dimensional Fund Advisors

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Each January, a group of prominent investment professionals gather in New York as members of the Barron’s Roundtable to trade quips, stock ideas, and the outlook for markets and economic trends worldwide. Barron’s-a weekly financial newspaper with a small but devoted following of professional and do-it-yourself investors-publishes a transcript of their remarks over three successive issues. The quotations above are…

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Safe Bond Strategies for Today’s Market

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While bonds, whether they are corporate bonds, municipal bonds, treasury bonds, or even high-yield bond, are generally considered by most investors to be “safe” investments, they still have elements of risk exposure that investors need to be aware of. It is still somewhat surprising that some people mistakenly believe they cannot lose money investing in bonds, in light of all…

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President Obama’s Retirement Plan Proposal

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President Obama recently released his budget plans for the 2014 fiscal year, and one of the proposals contained in the budget is gathering a lot attention. The budget contains a proposal to cap the amount of money one could accumulate in tax-advantaged retirement plans and/or pensions, including 401(k) plans and IRAs. The idea behind the proposal is that any tax…

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Americans are Not Saving Enough for Retirement

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A new report paints a bleak picture for the future retirement prospects of many Americans. New data released by the Employee Benefit Research Institute in their 2013 Retirement Confidence Survey indicates that fifty-seven percent of workers have saved less than $25,000 for retirement, not including the value of their home or defined benefit (pension) plans. The data suggests that the…

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