 BY JULIA ANDERSON
A 13-year-old girl asked me the other day what advice I could give her about money…. saving it, investing it, and building a nest egg. She’s keen and already has cash in the bank saved from raising 4-H animals during the summer, selling them in the fall and depositing her net earnings. I told her I’d need to think about her question before answering because most of my reporting and writing targets women 18 and older. Secondly, a 13-year-old faces shorter-term challenges related to getting an education beyond high school and paying for it. (More on that below) Instead of pulling answers out of my head or off the Internet, I turned to my Facebook friends. Wow, did they come through! The cool thing about those who took time to comment is their diversity in age and background. Among tipsters were younger people with children and full-time jobs, a middle-aged winery owner, a retired high-tech executive, an investment professional, a banker and a Realtor, plus a few folks managing their investments in retirement. Thanks to all. What follows are great tips for the 13-year-old. Thanks, everybody! A teacher in her 40s: Create a budget for something small you want to purchase in the next three months, something bigger you want in a year, and something even bigger you would like to have in five years. Figure out how much you need for the items you want, list all your sources of income, and create a plan for how you will save those funds. Practice planning lots, make goals, keep a journal with a simple list of what you buy every day. Working woman in her 60s: It’s not what you make it’s what you don’t spend‼️ My mom was a financial whiz in her day. Real estate professional: Learn about “dollar cost averaging." Regardless of the market, make a small monthly contribution into a mutual fund. I use Vanguard. Investment adviser: Create a habit of saving. Invest in equities over bonds or cash. Maintain your saving and investing discipline. Retired female high-tech executive: Learn about compounding interest. "How Teens Can become Millionaires," Click here. 60-ish woman working in retail: At 13 when parents are paying for nearly everything, I would advise her to save every dollar she receives. Let’s say her allowance is $10 per week. That’s $520 per year. Let’s say, on her birthday she gets $100 from Grandma and $50 from Aunt Sarah. Now she has $670 per year. Let’s say she earns around $25 per month for babysitting. That’s another $300 for a total annual income of $970. At 16, she gets a minimum-wage, part-time job and earns around $8,000 per year. That’s $16,000 in two years to add to her savings. She could open and deposit this cash into a savings account at a brick-and-mortar bank and keep $5 in that account. Then, she could open an online savings account and link it to her brick-and-mortar account. Online accounts typically pay higher APYs (annual percentage yield). E-Trade has one paying 1.75 percent with no minimum deposit. With a minimum of $10,000 at Marcus by Goldman Sachs, they would give her a $100 bonus for opening a new account. (For 10 best high-yield savings accounts, click here.) A 70ish professional writer: When I got my first job at 16 (department store clerk) my parents insisted that I save 50 per cent of every paycheck. I thought they were the meanest people in the world. Turns out that they were quite wise! Teacher in her 40s: Create a budget for something small you want to purchase in the next three months, something bigger you want in a year, and something even bigger you would like to have in five years. Figure out how much you need for the items you want, list all your sources of income, and create a plan for how you will save those funds. Practice planning lots, make goals, keep a journal with a simple list of what you buy every day. (For best personal finance software apps for 2020, click here.) Freelance writer: When I got my first job at 16 (department store clerk) my parents insisted that I save 50 per cent of every paycheck. I thought they were the meanest people in the world. Turns out that they were quite wise! Retired nurse: Always live within your means. Save for a rainy day. When you want to buy something, wait 24 hours before you go back to buy it. Working 30ish mom: Don't buy on impulse - make a rule for yourself, like waiting a day before buying anything over $20 (or whatever feels right to a 13-year-old girl). Learn how debt works (specifically, credit cards and loans) and when and how to use debt wisely. Save toward multiple goals. This mimics aspects of a budget for someone who isn't used to one. Learn what things cost on a monthly basis (as a precursor to budgeting and $$$$ independence). Practice micro-investing with something like Acorns (an online site that “helps people invest, save and spend smarter starting at just $1 per month”). Retired retail store owner: Practice the rule of 78 and once the concept is understood... create a classic example of what it can do for her (or work against her when borrowing). Help her pick a low-dollar entry mutual fund that she can watch rise and yes, fall in value (with markets) because that's important to learn. A gift for the minimum entry would be a nice 13th birthday present. Winery co-owner: Save and invest 10 cents out of each dollar earned (that's 10 percent of your income). Do it always, start young. My uncle gave me this advice, which I did not follow (cringe), and the other day I added it up out of curiosity and was SHOCKED at what it would be today. The 10 percent is hardly missed at the time, but that constant trickle can make a BIG difference over time. Pay cash or wait until you can, avoid debt especially on depreciating assets or non-assets. (for more, click here.) Pass the marshmallow test. When faced with the choice of one marshmallow now or two later, choose what's better long-term than short-term. Two marshmallows are twice as good as one -- patience pays off! Don't be afraid of money, learn about how it works and put that knowledge to use in your favor. Forget keeping up with the Jones’s, it’s probably a house of cards anyway. Don't be too frugal either, budget in some "fun money" (maybe also 10 percent?) so you don't feel deprived. However little or much you have, be thankful and manage it wisely. Also budget in generosity, give back 10 percent to a cause of your choice to help others. (Choose any three, lol.) Retired grandma: She should always save half of her earnings, no matter how small or great. That is what I taught my children and they are now teaching that to their children. A full-time female executive: Keep a tight budget as cash is king. Invest with every paycheck. Real estate and education are great investments. Using a 529 plan (or not): If you google 529 tax-advantaged investment plans designed to encourage savings for higher education expenses, you find a range of pros and cons about them. A 13-year-old girl and her family (including grandparents) must decide what works financially for them. Start the conversation, now!! With only 4 or 5 years until high school graduation, she needs a money strategy that includes estimated costs and an outline of where the money will come from to pay those costs. A 529 can be part of that plan. 529 Pros: Investments inside a 529 grow tax-deferred and are tax-free when withdrawn. 529 Cons: These plans offer limited investment options, may have higher management fees and may reduce need-based aid offered by schools up to a maximum of 5.64 percent of asset value. However, the experts say the trade-offs are worth it. That’s because you get tax-free growth inside a 529 account and are putting money away that won’t turn into crippling student loan debt, later. Winning a free ride to college is rare. Applying for scholarship and aid money is a big job. Start learning about it now. Believe it or not, I know young people who have won a four-year degree without taking on student debt!! Helpful web sites on 529s: cappex.com – free information about colleges, scholarships, majors and student aid. Michelle Singletary, Washington Post financial columnist, click here. Pros and cons of 529 plans, click here. "Why no one should have a 529 plan," click here. For more general money advice: How teens can become millionaires, click here. MarketWatch; Talking to kids about money, click here. 10 Money Lessons for kids, click here. Parents.com BY JULIA ANDERSON
Futures contracts are beyond my investment expertise. Neither do I understand “puts” and “calls.” Nor do I care to buy gold, collectibles, artwork or limited partnerships in the hope that their values will increase. Annuities make me nervous. For me, these investment options for my retirement savings are too risky even though their promised payout might be tempting. On the other hand, if I put money into U.S. Treasury bonds or into a bank savings account insured by the federal government, it would be secure. No risk there. I am an investor in the middle trying to balance risk against a reasonable investment reward. For me that means investing in high-grade blue-chip dividend-paying common stock in U.S.-based corporations and in low-fee growth U.S.-based mutual funds such as a S&P 500 Index Fund. Bottom line: I am willing to endure a future economic downturn and accompanying stock market sell off because history shows that the American economy is resilient and will recover. Over the past 75 years, U.S. markets have averaged 10 percent annual growth. To benefit as an investor, I must take on moderate risk to ensure my long-term financial future. Determining your RISK TOLERANCE is an important but often over-looked aspect of investing. However, risk tolerance is among the first things an investment adviser will ask you about. Be prepared with an informed answer. Too many investors (especially woman) get off track because of their response to the risk tolerance question. “No, I don’t want to see the value of my investments ever go down,” they say. “No, I can’t stand the idea of ever losing money.” During a recent Women & Money workshop, a woman in the audience lamented to me that her husband was in charge of their retirement investments and that “he does not trust the stock market. All our money is in bank CDs,” she said. I told her that strategy was OK in terms of no risk but that she and her husband were likely getting a 1 percent or less return on their savings over the past 10 years. That’s while U.S. stock markets delivered annual average gains (share price increases and dividends reinvestment) of 17 percent. That means a $10,000 stock investment 10 years ago would now be worth $48,068. She left the presentation upset. I doubt she will have any success convincing her husband that his savings and investment strategy is too conservative. I didn’t have the heart to tell her that they are losing money on their “safe” CDs investments because inflation (the rising cost of living) is eating into the purchasing power of their nest egg. People --both men and women -- get nervous when markets are volatile (as they are now at the beginning of 2020) and there’s more talk about the next recession. Our bull market can’t go on forever, right? Preparing for a recession How should we plan for a downturn? Where should they put their money? In bonds, stocks, the bank or under a mattress? The risk factor is becoming more importance. Burton Malkiel, author of the famous investing book, “A Random Walk Down Wall Street,” wrote a piece for the Wall Street Journal recently (Dec. 2019) that offers these suggestions:
Back to the risk factor. In his book, Malkiel makes a case for taking on moderate risk. He points out that the return on a portfolio of U.S. common stocks has averaged 10.5 percent a year over the past 25 years or so. Your portfolio with reinvested dividends (at 10 percent) should double every seven years! Further, he suggests that your capacity for risk is usually related to your age. The younger you are the more risk you can take on because time is on your side and you have many working years ahead of you to accommodate market downturns. A higher-risk portfolio of smaller growth stocks might be appropriate, he said. If you’re on your 60s, facing retirement with less income, a portfolio of safer investments makes sense. Bonds and high-dividend stocks could be the solution. Bank CDs still may not be the answer because your savings have got to generate some income. “The longer you can hold on to your investments, the greater should be the share of common stock in your portfolio,” Malkiel states. “Moreover, the longer an individual’s investment horizon, the more likely it is that stocks will outperform bonds.” (here's a link to a 2010 Malkiel lecture the continues to have merit, click here.) (The Internet offers numerous calculators that will determine the return on investment with compound interest (dividends) and savings contributions. Here's one, click here. My tips on managing RISK: 1. Be informed. Read Malkiel’s book, “A Random Walk Down Wall Street.” or at least read the parts that are relevant to your age and financial situation. Go online and watch his investment lectures on YouTube. Click here. 2. Understand that downturns are normal and part of the trade-off between risk and financial reward. Don’t sell during a downturn. Don’t expect to jump back in before markets go up. 3. A higher rate of return typically means taking on more risk. Don’t invest in stuff you don’t understand, even if you are guaranteed a high return. There is no free lunch. And realize that short-term fluctuations in markets can be scary. Don’t panic, stay the course. 4. Realize that it doesn’t have to be all or nothing. or me, a return of 2 to 4 percent a year on an investment is reasonable. Most of my investment portfolio generates dividends in the 2 to 3 percent range, plus whatever happens to the value of the stock. I continue to reinvest dividends paid inside my tax deferred IRA even as I know must take the Required Minimum Withdrawals. I have enough in cash to cover RMDs for a year That way, I’m prepared for a downturn and won’t have to sell principal at a lower price. 5. You don’t have to be a stock picker. Managing risk might mean investing in a low-cost index fund tied to the S&P 500 or a broad mix of a sectors such as telecom, high-tech or industrials. Look at the track record for the funds you buy and be sure to check out any management fees that can eat into your return. 6. Save and invest even in bad times. Make saving AND INVESTING a regular part of your long-term financial strategy. For more: YouTube - What is investment risk?, click here. “A Random Walk Down Wall Street, “by Burton Malkiel, click here "A Way to secure retirement income later in life," click here. The Risk of Different Types of Investments, click here. Saving and investment options, usa.gov, click here Risk Management and You, Edward Jones, click here. BY JULIA ANDERSON
Four years ago this week, I began experiencing pain in my butt. Actually, a bit lower where my butt muscles and upper thighs overlap. It felt like sore muscles from intense exercise, only it kept getting worse. Over the next week, the pain showed up in my shoulders, arms and ankles. It became so bad that I couldn’t turn over in bed without groaning in pain. I crawled from bed to the toilet on my hands and knees to avoid pain. I couldn’t lift my arms to put dishes in kitchen cupboards, I couldn’t lift my legs to dry them after a shower. All because it hurt like my joints were burning up. I used my fingers to “pull” my arm forward along a table top to grip a cup of coffee to avoid the pain in my arms and shoulders. At the worse of it, my walk became a shuffle. I was frightened, depressed and hurting. A physician’s assistant diagnosed my condition: Polymyalgia Rheumatica. She put on me on prednisone (a steroid) and methotrexate, the go-to drugs for severe arthritis. She referred me to a rheumatologist, but the appointment was a month out. Since then my diagnosis has evolved to rheumatoid arthritis, then psoriatic arthritis, or both. Turns out there are 100 different kinds of arthritis and no two individuals may experience them the exact same way. For those unfamiliar with RA here’s the definition: It is the most common type of autoimmune arthritis caused when the body’s immune system turns on itself and begins attacking healthy tissue. It is not curable, but treatments can stop (or reduce) pain and swelling. (www.rheumatology.org) In those first months, I was burning up Google finding out about this disease. Who got RA or polymyalgia rheumatica, why did it happen and what treatments might work? I learned I was a prime candidate for RA: Female, white (Northern European), near age 70 with a genetic history of arthritis in the immediate family. Check. In learning about RA, I realized that I was lucky. RA can attack people much younger, even children. It can wreak havoc on the body by going after tissue and bone that may result in surgeries, chronic pain, difficulties in walking, climbing stairs. When I first learned of my diagnosis, I casually mentioned my situation to a well-meaning “friend” who was a nurse. Her immediate comment shocked me. “So sorry for Ken (my husband), he’ll be pushing you around in a wheelchair.” Thoughtless on her part? Yes!! But four years later, so far, so good. I’m not in a wheelchair and don’t expect to be for a long time. My primary care doctor said I likely would die of something else before finding myself an invalid. In fact, my fourth year with this disease has been my best. I ran a 5k fun run this fall. I trained on the tread mill for it and came in first in my age group. Full disclosure: There were just three women over 70 in the run. Only 14 people (men and women) ran it out of about 135 total. I was surprised by the low number. A five-day visit to New York City in the fall had me walking all over town to museums, parks, the Empire State Building. My husband and I haven’t slowed our pace of travel that this year included a coast-to-coast ride across the U.S. on his motorcycle. Lots of getting on and off the machine. It’s a long way better than where I started. The first year meant stopping the prednisone, which I hated for the weight gain, sleeplessness and depression it caused. After trying several drugs in combination with methotrexate, we settled on just methotrexate, which suppresses the immune system. As the RA symptoms began to recede, a bout of sciatica down my right leg meant dealing with another round of intense pain. That resolved after two injections of cortisone in my lower back. I began doing stretch exercises to reduce back and neck pain. I walked. I kept a pain chart with RA pain ranging from a high of 7-8 to a low of 5. The chart helped my rheumatologist continue to tweak medications and treatments. The sciatica pain had a separate chart in the 8-9 range. That pain meant gasping for air from pain every time I got out of the car. I became careful in how I moved. My doctor prescribed 25mg daily of diclofenac to reduce inflammation and resulting pain. I went to a physical therapy clinic to help with the sciatica and a chronic stiff neck. I stopped taking sulfasalazine in combination with methotrexate. After reading the side effects of diclofenac, I cut my intake to only as needed. (Not often). I worry about heart disease and my blood pressure is on the high side. Diclofenac can exacerbate those problems. My pain chart began to show real improvement toward the end of the first year. Since then my doctor suggested that I increase my folic acid tablets from two daily to three to combat nausea on the day, I take the methotrexate once a week. She sent me to a pain clinic for help with the stiff neck issue. The PA there gave me three “micro” shots of cortisone, which more or less solved the problem. I do shoulder rotation exercises at home using a “rubber band” to keep things from freezing up. In years two and three, my doctor began to further analyze my symptoms and suggested that I may have psoriatic arthritis instead of regular RA or a combination of the two. I don’t have the scaly skin patches that are typical with psoriatic arthritis except on my elbows, but sometimes joint problems show up first. I certainly have intermittent lower back pain that comes with psoriatic arthritis along with stiffness. Sometimes my ankles and finger joints hurt a lot. In summary: At the end of these four years, I am living with arthritis pain at a low level that does not interfer with my daily activities, travel or yard work. I do have fatigue. I do have pain spikes. I take aspirin or Tylenol as a preventive before engaging in heavy exercise. I do worry about where I'm headed, long term. I tried cutting back on methotrexate earlier this year but found out I need the prescribed 8 tablets weekly to maintain the low 1-2 pain level. Sleeplessness can still plague me. I can’t drink red wine without consequences. Psychologically, I have my confidence back. I can live with this disease and feel lucky that I am better off than most. Getting daily exercise is a key to my well-being…lower pain levels, better sleep, better weight management. What triggered my RA/psoriatic arthritis? I have theories: My dentist put me on a high dose of antibiotics to combat an infected wisdom tooth just prior to the rapid onset of the acute RA. The drug killed my gut bacteria. They say there’s a connection between gut bacteria and RA.
My advice for those living with arthritis: Find a doctor you trust, work with that doctor over the long haul. Keep a pain chart and track other symptoms. Know that improvement comes and sometimes goes. Believe that you will get better knowing that it takes time. Mental outlook is key. Exercise: job, lift weights, do isometrics. Change your diet. Don’t drink. Get sleep. Work with your doctor to get help. Enjoy every minute of every day!!! BY JULIA ANDERSON
I’ve been taking stock of my stocks, this week. It’s a good idea to regularly check in on what’s doing well and what might need attention inside a Rollover IRA portfolio. I take this seriously since this is money I plan to live on the rest of my life. In general, I’m happy. It has been good to be in the U.S. stock market in 2019. In fact, the bull market of the past 10 years has been a good place to be. This year, my portfolio mostly had winners, a few laggards and only one loser. The winners: More than half of my invested money is in three mutual funds with low management fees (the industry calls a fee an “expense ratio” because they are charged as a percentage of the fund’s total holding.) Year-to-date, these three funds --- an S&P 500 Index Fund, a “contra” fund heavy with tech stocks and a telecom and utilities fund are up, respectively, in share value 18 percent, 26 percent and 27 percent. I dare most stock pickers to beat this performance tied to the strong U.S. economy with low inflation, low loan interest rates and near record low unemployment. In addition to mutual funds, I own shares in publicly traded corporations. Among individual stock winners over the past 52 weeks in 2019 were: Microsoft, up 37 percent in share value at $151 a share. Raytheon, up 25 percent at $217. Intel, up 21 percent at $58. The 52-week laggards: U.S. Bank, up only 11 percent in share value at $60. IBM, up 10.6 percent at $134. GlaxoSmithkline, up 10.5 percent at $46. The loser: Johnson & Johnson, down 5.73 percent in share value in the past 52 weeks, thanks to ongoing legal challenges related to its suspect baby powder and the oxycontin addiction crisis. While the pharmaceutical sector in general has under-performed the market -- up only 15 percent this year -- Johnson&Johnson, formerly a staple of any investment portfolio with a good dividend and a great share price track record has taken a hit. Neither of the issues it faces are going away any time soon. At $137 a share, J&J is down from a high of $148.99 and could go lower. The 2020 forecast? Interest rates set by the Federal Reserve Bank are unlikely to change much as we head into a Presidential election year. That’s good news for businesses, consumer spending and the economy. If employment remains strong, the home-building industry picks up steam and Americans keep spending, we are in good shape for another positive market year. Wall Street Journal analysts agree. Weakness in the financial sector (especially regional banks) will likely continue. Pharmaceuticals look vulnerable. Retailing is being disrupted by online shopping. Keep reinvesting But so far so good for me. Thanks to the robust U.S. economic recovery since the Great Recession, the average annual return on my Rollover IRA over the past nine years has been 12.1 percent. By the way, except for the Required Minimum Distributions that the IRS says I must now withdraw from my Rollover IRA, I am REINVESTING ALL quarterly dividend money back into the purchase of more shares in the funds and stocks that I own. I see no reason to get conservative. If you don't believe me that this is a good idea, visit www.rebalance360.com. Cash loses money because inflation means cash buys less in a few years as the cost of living goes up. Getting to retirement is one thing but managing my nest egg in retirement is another. I keep reminding myself to stay the course, take the long view and avoid emotional reaction to day-to-day news or market gyrations. The U.S. economy looks solid. Free market capitalism and the rule of law continue to govern our financial markets. I’m sticking with my ALL-IN stock investment strategy. There’s nowhere else to go if you want to stay ahead of inflation and keep earning money with your money. (I do keep some cash (12 months’ worth) on hand to pay bills in case there’s a downturn. I don’t want to have to sell stock when share prices are in recession.) Historical track record Since, 1926 the average annual return of the S&P 500 (the performance of the 500 largest U.S. companies) has been approximately 10 percent. That’s EVERY YEAR no matter whether Democrats or Republicans are in charge in Washington. (Investopidia) Meanwhile, Gallup research shows that 55 percent of Americans report that they own stocks either individually or through a mutual fund or a retirement 401(k) or IRA account. That unfortunately is down from the 62 percent stock ownership prior to the 2007-2009 recession. I feel badly for people (especially women) who bailed out of markets during the recession and never got back in. They’ve missed an opportunity to avoid poverty in their old age. Banks, investment firms and tax accountants all must do more to help Americans understand the miracle of the U.S. economy, our markets and the powerful financial reward from reinvesting quarterly dividends that over time build wealth. Help your grand kids avoid student debt. It's about more than money --- they need a plan.11/14/2019
By JULIA ANDERSON
The numbers are shocking. The average cost of attending a four-year public university in the U.S. -- tuition, fees, room and board -- in the 2018-19 school year was $21,370. At out-of-state universities the cost jumps to $37,430. (That's about $85,500-$149,000 over four years.) These estimates don’t include expenses such as school supplies, textbooks and transportation, says US News & World Report in a recent article. The costs are intimidating for students, their parents and grandparents. Tuition costs alone at public institutions have soared 213 percent in the past 30 years. Then comes the second problem – student debt. Borrowing to pay for education beyond high school has ensnared 44 million people who now owe a combined $1.52 trillion in student debt. Average debt owed per student is $38,400. According to Forbes magazine, it is taking 18 years on average to pay off these loans. Kids will be in their 40s before becoming (student) debt free. This is a huge problem not just for the borrowers, but for the U.S. economy because debt keeps young people from buying cars, buying houses, moving out or having children. What can grandparents do to keep their children and grandchildren from falling into the student debt trap? Plenty, says Jennifer Satalino, director of The College Place, who appeared on Smart Money, my public television show, recently. Her organization helps people pursue undergraduate education through counseling, financial aid and scholarships. “It comes down to talking about all this early on,” Satalino said. “Families need to lay out a plan that includes saving for school, a budgeting strategy that makes sense and being smart about getting those college credits. It may mean living at home and working part-time,” she said. “Students don’t have to rush.” She said, it also means understanding student debt – types of loans, avoiding bad loans and bad interest rates, understanding who services them, repayment options and costs over time. How to avoid student debt: Better yet, avoiding student debt in the first place. It can be done. Here’s how parents and grandparents can help: Set up a college savings plan, early. Some families start tax-deferred 529 savings plans before their kids are even born. Grandparents also can set up 529s.
If your student decides to take on a student debt loan, here are the basics: Research starting salaries in the field they plan to pursue. Will their starting income support debt repayment? Ask what can they afford to repay? Understand the terms of the loan. Make payments on time. Keep in touch with your loan servicers who can provide options to keep your loan in good standing. Most-regretted college majors: SOURCE: CNBC.com, ZipRecruiter survey Major Leading reason for regret English & foreign languages Impractical, limited job opportunities Biological and physical sciences Advanced degrees or licenses often required Education Low pay and job satisfaction, limited opportunities Social sciences & law Too general, impractical, hard to find a job Communications Too general Least regretted college majors Major Challenges Computer science & mathematics Can be stressful Business Too general Engineering Best jobs require advanced degrees Health administration & assisting Lower job satisfaction Health sciences & technology Lower job satisfaction Bottom Line: Grandparents can help their grandchildren avoid student debt, layout a strategy for getting a college education and landing a good job. How? By advising them to take it slowly, by keeping expenses at a minimum and staying the course. This requires starting the conversation, early. Like now!! For MORE: 5 Ways to Avoid Student Loans, click here 5 Ways to Avoid Drowning in Student Loan Debt, click here. The College Place – Oregon, click here. Oregon Promise, click here The 5 college majors American students most regret picking, click here Student Debt Relief, click here Federal Student Aid, click here How to Pay Off Students Loans, click here 4 Best Ways to Pay Off Student Loans, click here |
Julia anderson
I meet women all the time who face job and money transitions and who want to do them right. It’s about building confidence and taking charge of the future. This is your money. No one cares more than you do! Archives
February 2020
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