Retirement In Sight
R E T I R E M E N T I N S I G H T
Presented by MidAmerica Financial Resources
MONTHLY NEWS AND INFORMATION FOR CURRENT AND FUTURE RETIREES
“One of the most important ways to manifest integrity is to be loyal to those who are not present. In doing so, we build the trust of those who are present.”
- Dr. Stephen Covey
Take two steps that may help you reduce the risk of falls and fractures. One, engage in some kind of weight-bearing exercise – jogging, walking, aerobics. Two, take 800 IU of Vitamin D a day and 1,200-1,500 milligrams of calcium a day, either via food or supplements.
My father told me about the time he and my uncle played nine games of checkers, each of them winning the same number of games. There were no ties. How was this possible?*
DID YOU KNOW?
Paul Simon took the title of his 1972 hit “Mother and Child Reunion” from a chicken-and-egg dish he discovered on the menu of a café in New York City’s Chinatown.5
DIVIDENDS, SWEET DIVIDENDS
If you own some dividend stocks, you may be in line for a little extra income in 2014: as S&P Dow Jones Indices recently determined, Q1 dividend payouts are poised to be 22.9% larger than those in Q1 2013.1
High-dividend stocks are a boon to retirees seeking additional income, but they are not exempt from the whims of the market. A firm can elect to suspend dividends for a quarter or longer, for example. Some seniors come to view dividend income almost like it was fixed income, assuming it will be steady and reliable quarter to quarter; it may not be. Also, a concentration in dividend stocks may work against efforts to diversify. Dividend payouts tend to come from the blue chips, or at least the manufacturing and utilities sectors; these old-school companies are standbys, yet they aren’t the Silicon Valley firms and the small caps that have the potential for rapid and astonishing gains.2
Those cautions aside, retirees love the fact that dividends are taxed at a lower rate than regular income, and their recurrence and tendency to grow over time. When the market treads water, dividend stocks have less of a tendency to sink, and when all boats rise, dividends have the potential to swell – as evidenced by this latest projection of a double-digit raise for certain investors.2
CAN PARKINSON’S & ALZHEIMER’S BE TRACED TO OUR GENES?
Researchers have explored that possibility through the years – and the answer still seems to be no. The two latest significant studies even dismiss the notion of shared genetic characteristics between the two conditions.
One study, which appeared in the August 2013 online edition of JAMA Neurology, was conducted by an international team led by a doctor at the University of Cardiff in Wales. It couldn’t find any common genetic variants that increased the risk of Alzheimer’s and Parkinson’s or of a person with one disease developing the other. It is known that Alzheimer’s and Parkinson’s are primarily caused by buildup of unique proteins within the brain, and a second study from the University of Pennsylvania (published last July) found proteins common to both diseases, but no particular genetic keys or triggers resulting in them.3
ON THE BRIGHT SIDE
According to Spectrem Group’s Retirement Market Insight Report 2014, U.S. household retirement assets stood at $19 trillion, exceeding the total seen before the 2007-09 recession.4
MidAmerica Financial Resources may be reached at
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Securities and advisory services offered through National Planning Corporation (NPC), Member FINRA/SIPC, a Registered Investment Adviser.
MidAmerica Financial Resources and Malan Financial Group are separate and unrelated companies to NPC.
This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty.
* TRIVIA ANSWER: Stumped? Contact me for the answer! «representativephone»
1 - americasmarkets.usatoday.com/2014/04/09/do-you-own-stock-youre-getting-a-23-raise/ [4/9/14]
2 - money.usnews.com/money/blogs/on-retirement/2014/04/08/the-pros-and-cons-of-dividend-stocks [4/8/14]
3 - pdf.org/en/science_news/release/pr_1379607636 [10/29/13]
4 - post-gazette.com/business/finance/2014/04/09/Retirement-assets-make-a-comeback/stories/201404090018 [4/9/14]
5 - rollingstoneindia.com/paul-simon%E2%80%99s-restless-journey/ [8/25/11]
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