Nov 25 2014

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How To Live Better, Travel More, And Work A Lot Less

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Sandi Gelles-Cole has worked in the publishing industry for more than 30 years. 

She’s an editor, author and writing coach.  But things are getting tough. “Big publishers are outsourcing fewer projects,” she says, “and authors are paying much less for free-lance editors.”  Such changes have slashed her income. Instead of working harder for less and struggling to keep pace with the rising cost of living, she decided to leverage the Internet.

In August, she left Woodstock, New York, for Ajijic, Mexico. 

She can do the same job, work fewer hours and enjoy a lower cost of living. 

 Image courtesy of pixabay.com

Read the rest of the article at AssetBuilder.com

 

Permanent link to this article: http://andrewhallam.com/2014/11/how-to-live-better-travel-more-and-work-a-lot-less/

Nov 18 2014

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What To Do If Zurich International Holds Your Money Ransom

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Recently, I received an email from a British couple.

They had invested in a Zurich International Vista plan. These are extraordinarily profitable for a salesperson to flog. As such, they have spread like pandemics among global expatriates. British investors tend to be the most likely victims.

The couple that emailed me is locked in to their investment plan until 2026. They have withdrawn all that they can, without paying a penalty. But they have $168,000 SGD remaining in the plan. If they withdraw this remaining sum, Zurich will penalize them. Instead of the couple receiving their full $168,000, the company would keep $75,600 as an early withdrawal penalty.

No, it isn’t fair.

Read the rest of this entry »

Permanent link to this article: http://andrewhallam.com/2014/11/what-to-do-if-zurich-international-holds-your-money-ransom/

Nov 18 2014

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Experts Say Stocks Are Going To Crash — So What Are You Going To Do About IT?

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Last week, my friend Simon emailed me in a panic.

“I just read that stocks are going to crash,” he wrote. “Should I trade my stocks for bonds or cash?”

He linked to a November 6, 2014 article in MoneyNews,Warning: Stocks Will Collapse By 50 Percent. Even the hearts of stoic investors skip a few beats when reading such headlines. Why wouldn’t they? Nobody wants to lose money. And watchful experts have stethoscopes on the heart of the economy.

If they’re predicting a market crash, we should listen, right?

Image courtesy of pixabay.com

Read the rest of the article at AssetBuilder

Permanent link to this article: http://andrewhallam.com/2014/11/experts-say-stocks-are-going-to-crash-so-what-are-you-going-to-do-about-it/

Nov 18 2014

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Malaysians Building Low Cost Global Portfolios

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YOU’RE settling into a task at work.

The phone suddenly rings. On the other end, is a smooth talking gentleman, offering you an investment opportunity in an offshore pension. Think twice before agreeing to a free consultation.

Malaysians and expats are easy pickings for offshore pension sellers. And it’s easy to see why. The sales pitches promise strong, virtually tax free investment returns. It’s enticing. But such products usually violate the most basic rules of investing.

First, investors need to know what they’re buying. Offshore pensions are layered with complexities that few clients understand. And because commissions are so lucrative for the sales reps, there’s plenty that the advisers won’t reveal.

Read the rest of this entry »

Permanent link to this article: http://andrewhallam.com/2014/11/malaysians-building-low-cost-global-portfolios/

Nov 11 2014

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How You Could Benefit From A Foreign Affair

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The grass really is greener on the other side of the fence. 

At least, that’s what more than 7 million Americans must think.  Many packed their bags with kids in tow. They jumped on planes, trains or automobiles and left the United States.

You might even know some of them.  A middle class family in your neighborhood disappears one day.  Ten years later, they come back.  A jealous neighbor pulls you aside.  “God knows where John and Lucy just came from.  They paid cash for their new home. They don’t owe a penny on their two new Audis. 

Does it remind you of Breaking Bad?”

Image courtesy of pixabay.com

Read the rest of the article

Permanent link to this article: http://andrewhallam.com/2014/11/how-you-could-benefit-from-a-foreign-affair/

Nov 07 2014

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The World’s Best Investment Strategy That Nobody Seems To Like

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Let me show you an investment strategy that has had only four losing years since 1971. 

Its ugliest drop was in 1981 when it fell just 4.1 percent. 

In 2008, when stocks dropped about 37 percent, it lost less than 1 percent.

This portfolio makes sense. Why? 

Because, as recorded by Richard H. Thaler, in the Journal of Behavioral Decision Making, we hate investment losses more than we enjoy investment gains. 

Image courtesy of pixabay.com

Read the rest of the article at AssetBuilder

Permanent link to this article: http://andrewhallam.com/2014/11/the-worlds-best-investment-strategy-that-nobody-seems-to-like/

Oct 29 2014

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How much money does a couple need to retire in Lake Chapala, Mexico?

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How much money do you need to retire in Lake Chapala, Mexico? If you’re earning Social Security benefits, the payments would likely be more than enough. 

But for my expatriate friends….assuming you earned just $500 per month (2015 equivalent) from Social Security and you sold 4% of a stock and bond market portfolio each year, here are some estimated investment portfolio sizes required, assuming inflation averages 3.5%:

If retiring in 2015, you would need $390,000. Those retiring in 2020 would need $463,197.

If retiring in 2025, you would shoot for at least $550,133. And those seeking retirement in 2030 would need about $653,386. 

It’s always better to shoot for more, of course. But aren’t these figures a lot lower than you thought?

Forgive me for linking to the same article twice.  But you can check out my article on Lake Chapala, for a few specifics on costs.  

Image courtesy of pixabay.com

Read My AssetBuilder Article

Permanent link to this article: http://andrewhallam.com/2014/10/how-much-money-does-a-couple-need-to-retire-in-lake-chapala-mexico/

Oct 29 2014

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How Do Trimark’s Mutual Funds Stack Up?

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Some mutual funds perform like penguins in pigeon races.

If you’re stuck with a frosty portfolio, it may not be your adviser’s fault. Nor is it necessarily the fault of those running your mutual funds.

So whom can we blame?

High hidden fees are the usual suspects.

Image courtesy of pixabay.com

Read the rest of the article at the Globe and Mail

Permanent link to this article: http://andrewhallam.com/2014/10/how-do-trimarks-mutual-funds-stack-up/

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