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Apollo Education drops on new subpoena
When is China stock market closed for holiday?
What time is the Super Bowl?

3 mistakes to avoid in your first 3 years of retirement
3 mistakes to avoid in your first 3 years of retirement

How to retire early and still avoid 10% penalty
Worst money mistakes at any age
Know 4 important retirement account changes

China’s forex reserves poised for another record drop
China’s forex reserves poised for record drop
Will China soon burn through its reserves?

National polls show Bernie Sanders nearly even with Hillary Clinton
National polls show Sanders nearly even with Clinton
Why do young voters like Sanders so much?
Is ‘Trump bubble’ bursting in New Hampshire?
Rubio, Cruz gain in N.H., WSJ/NBC poll finds

All the bad things Hillary Clinton
has done

Clinton to ‘look into’ paid-speech transcripts

How even ‘cord cutters’ can watch the Super Bowl
Real-time win probability for the Super Bowl
It’s pretty hard to get a mortgage in 8 minutes
Super Bowl 50: Domestic-violence PSA
Here’s the PayPal ad running on Super Bowl
Better odds here than Super Bowl Predictor
Super Bowl stock predictor has a streak going

Taste the whiskey that Peyton Manning won’t try
10 Super Bowl beers that aren’t Bud Light

Twitter said to plan algorithm for timeline

Twitter suspends 125,000 terrorist accounts

John Bogle dismisses index-fund 'danger'
John Bogle dismisses index-fund 'danger'

Wanted at Vanguard: A CFO
Wanted at Vanguard: A CFO



How to know if your tax preparer is a crook
How to know if your tax preparer is a crook

Tax software firm warns of data breach

Bad buybacks and nine other money stories you may have missed
Bad buybacks and 9 other must-read stories
Only place left to invest if ‘Oilmageddon’ hits

Four reasons the January jobs report is fishy
Why the Fed is likely to stay put in March

Chicken-little investors, please read jobs report

Barron's: Here comes $20 oil
Here comes oil for just $20 a barrel


Morgan Stanley gives up on higher oil prices

Bank stocks have taken enough punishment, UBS analyst says
Bank stocks have taken enough punishment, analyst says

LinkedIn loses a Twitter in market cap

LinkedIn’s stock suffers biggest-ever selloff
LinkedIn earnings confuse investors into panic
5 reasons you hate LinkedIn so much

The best biotech plays once sector stabilizes

Tesla earnings: Model 3 spending, Model X sales in focus
Tesla earnings: Model 3, Model X in focus

How recent college grads are faring in 3 charts

Americans spend 43 days on hold in lifetime

$2,000 to go traveling, and ‘Panda Fridays’: The 10 best employee perks
10 best employee perks: Which do you have?
Will your job benefits get better this year?

20 dividend stocks that Wall Street loves the most
The 20 dividend stocks that Wall Street loves most
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Markets »

139.01MDow Volume:
Avg Vol: 128.61M
Unchanged
165
Decliners
4918
Advancers
1419
Price Chg %Chg 1 Day
Range: 1 Day
  • 1 Day
  • 5 Days
  • 1 Month
  • 3 Months
  • 6 Months
  • 1 Year
  • 2 Years
Dow
/quotes/zigman/627449/realtime 16,205 -212 1.29%
Nasdaq
/quotes/zigman/12633936/realtime 4,363 -146 3.25%
S&P 500
/quotes/zigman/3870025/realtime 1,880 -35 1.85%
GlobalDow
/quotes/zigman/629063/realtime 2,139 -24 1.12%
Gold
/quotes/zigman/33772884/delayed 1,174 +17 1.43%
Oil
/quotes/zigman/2260836/delayed 31.00 -0.72 2.27%
FTSE 100
/quotes/zigman/3173262/delayed 5,848 -51 0.86%
DAX
/quotes/zigman/2380246/delayed 9,286 -107 1.14%
CAC 40
/quotes/zigman/3173214/delayed 4,201 -28 0.66%
FTSE MIB
/quotes/zigman/1482176/delayed 17,250 -376 2.13%
IBEX 35
/quotes/zigman/2759620/delayed 8,500 +31 0.37%
Stoxx 600
/quotes/zigman/2380150/delayed 326 -3 0.87%
Asia Dow
/quotes/zigman/6959860/realtime 2,510 +7 0.29%
Nikkei 225
/quotes/zigman/5986735/delayed 16,820 -225 1.32%
Hang Seng
/quotes/zigman/2622475/delayed 19,288 +105 0.55%
Shanghai
/quotes/zigman/1859015/delayed 2,763 -18 0.63%
Sensex
/quotes/zigman/1652085/delayed 24,617 +279 1.14%
Singapore
/quotes/zigman/1709939/delayed 2,623 +65 2.53%
Euro
/quotes/zigman/16008136/realtime/sampled 1.12 -0.01 0.47%
Yen
/quotes/zigman/16008150/realtime/sampled 116.87 +0.09 0.08%
Pound
/quotes/zigman/16008140/realtime/sampled 1.45 -0.01 0.60%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.71 -0.01 1.83%
DXY Index
/quotes/zigman/1652083/delayed 96.96 +0.41 0.42%
WSJ $ Idx
/quotes/zigman/41508961/realtime 89.81 +0.50 0.56%
U.S. 10yr
/quotes/zigman/15866666/realtime 1.83 0.00 0.00%
German 10y
/quotes/zigman/15866409/realtime 0.30 -0.01 2.16%
Italy 10yr
/quotes/zigman/15866497/realtime 1.56 +0.05 3.14%
Spain 10yr
/quotes/zigman/15866444/realtime 1.65 +0.03 1.72%
U.K. 10yr
/quotes/zigman/15866328/realtime 1.56 0.00 0.00%
Japan 10yr
/quotes/zigman/15866525/realtime 0.03 -0.03 51.16%
Crude Oil
/quotes/zigman/2260836/delayed 31 -1 2.27%
Gold
/quotes/zigman/33772884/delayed 1,174 +17 1.43%
Corn
/quotes/zigman/25518691/delayed 366 -3 0.81%
DJIA F
/quotes/zigman/48241424/delayed 16,118 -210 1.29%
S&P F
/quotes/zigman/43106711/delayed 1,874 -34 1.78%
Silver
/quotes/zigman/32655632/delayed 15 +0 1.21%

Quotes

Symbol Price Change % Change
FB /quotes/zigman/9962609/composite 104.07 -6.42 -5.81%
AAPL /quotes/zigman/68270/composite 94.02 -2.58 -2.67%
GOOG /quotes/zigman/59527964/composite 683.57 -24.44 -3.45%
BAC /quotes/zigman/190927/composite 12.95 -0.30 -2.26%
C /quotes/zigman/5065548/composite 39.86 -0.93 -2.28%
F /quotes/zigman/264304/composite 11.45 -0.08 -0.69%
T /quotes/zigman/398198/composite 36.88 0.35 0.96%
BP /quotes/zigman/247026/composite 30.46 -0.15 -0.49%
GE /quotes/zigman/227468/composite 28.54 -0.64 -2.19%
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Rates »

5 yr CD
1.3%
2 yr CD
0.7%
1 yr CD
0.5%
MMA $10K+
0.2%
MMA $50K+
0.4%

National averages from Bankrate.com

You Don’t Need Another Credit Card, You Need A Better One.
Avg. APR Last Week 6 Months
Low Interest 11.96% 11.88% 11.62%
Business 13.12% 13.11% 12.85%
Student 13.42% 13.42% 13.14%
Balance Transfer 14.35% 14.30% 14.12%
Airline 15.17% 15.16% 15.10%
Cash Back 15.26% 15.23% 15.27%
Reward 15.28% 15.25% 15.14%
Instant Approval 18.21% 18.18% 18.00%
Bad Credit 22.88% 22.88% 22.73%
Source:CreditCards.com

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Encore
A blog about living in and planning for retirement

Do You Have Enough Cash for a Down Market?

iStockPhoto

As I reported in my “How to Tap Your Nest Egg in a Wild Market?” story, recent market fluctuations led many retirees to wonder how much they could take from their retirement portfolio for income and still be safe.  But perhaps an equally important question for some retirees, especially those who retired early or have smaller nest eggs, say advisers: How do I avoid taking money out of my retirement funds altogether?

One way to avoid having to tap your nest egg is to make sure you have enough liquid assets on hand to cover your annual retirement expenses. “Retirees need three to four years of liquid, stable assets lined up to cover expenses,” says Frank Boucher, founder of Boucher Financial Planning Services in Reston, Va. These assets include savings — look into online banks or credit unions, as these tend to pay higher rates — money market accounts and CDs, which can be laddered so that you’ll get payouts each year, he says. This way, in years where the market isn’t doing well, retirees can pull from their liquid assets to cover expenses, rather than having to take losses.

Another way is to make sure that your portfolio generates enough guaranteed income (along with Social Security payments) to cover basic retirement expenses, so that you don’t have to depend on stock market returns to pay your bills each year. To do this, set up a 10- to 15-year bond ladder, including Treasurys and I Bonds with differing maturities, says Joe Alfonso, founder of Aegis Financial Advisory in Santa Clara, Calif. This bond ladder, along with Social Security, should cover at least your basic expenses like food and housing, he says. “This generates the cash flow that clients need,” he says.

Of course, this isn’t to say that you should never withdraw money from your retirement savings in a down market. In fact, many retirees with a diversified portfolio should still be able to withdraw between 3% and 4% per year even in a bad market and still have their money last through retirement, says Rick Kahler, president of Kahler Financial Group in Rapid City, S. Dak.  Bottom line: Talk to your financial adviser about the best strategy. Need a broker now? Click here to check out SmartMoney’s annual ranking of the best and worst discount and full service brokers.

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    • Would it though? I’ll defer to your epexrtise here, but I thought ANWR could produce close to a million barrels a day. Add in areas like the Chukchi sea and we’re talking significant production increase. Yes you are. But it will not be possible to get to 2 million bpd because you will need to amortize the costs of all of the capital needed to develop the area. That will limit your total output even if the estimates are correct. But let us note that all we have are estimates and resources are not exactly the same thing as reserves. There are many great analysts who have done the math and are showing a huge problem with the math. No matter how we spin it and no matter what assumptions we make we can’t get national production to go above the 1970s levels. And keep in mind that the production of tight oil in shale formations is difficult to maintain. This means that the Bakken production will be turning down long before you could get ANWR production to its peak level. To see the future for many producing areas take a at Montana.

    • Yeah, but why would you buy the 2.5L version in 4 door? If you are loonikg for a gas saver, 3. But If you want fun, buyt the hatchback 3 2.5L and its a lot better. More room and looks cooler. I wish they could make a hatch with the 25 mpg city

    • I agree, one income for mohntly expenses isn’t enough! I’ve been looking for a job, too, and it is so hard right now! Thank you for the resource, I’m going to check it out now =) Good luck with your search!I’m following you back now. Thanks for the visit!I have a blog hop called Memory Mondays that I hope you can come join sometime! I consider it a good way to start off the week.. taking a stroll down memory lane to something that we are excited to remember and share! Although I will admit that I’m a little bias. =) Hope to see you there!Kelsi @ ModernMomRedefined.blogspot.com

    • good

    • I just paid $24,31 for an iPad2-64GB and my girlfriend loves her Panasonic GF 1 Camera that we got for $34,26 there arriving tomorrow by UPS. I will never pay such expensive retail prices in stores again. Especially when I also sold a 42 inch LED TV to my boss for $678 which only cost me $68,18 to buy. Here is the website we use to get it all from, CentSpace.com

About Encore

  • Encore examines the changing nature of retirement, from new rules and guidelines for financial security to the shifting identities and priorities of today’s retirees. The blog also explores news that affects retirement, from the Wall Street Journal Digital Network and around the web. Lead bloggers are reporter Catey Hill and senior editor Jeremy Olshan. Other contributors include The Wall Street Journal’s retirement columnists Glenn Ruffenach and Anne Tergesen; the Director for the Center for Retirement Research at Boston College, Alicia Munnell; and the Director of Research for Pinnacle Advisory Group, Michael Kitces, CFP.

MarketWatch - Stock Market Quotes, Business News, Financial News
Bulletin
Investor Alert
need to know
N. Korea rocket launch could come Sunday
Earthquake topples buildings, kills 7 in Taiwan
Investors dump stocks, scoop up bonds
FANG stocks take big bite out of Nasdaq
GoPro rallies on Microsoft licensing deal
Apollo Education drops on new subpoena
When is China stock market closed for holiday?
What time is the Super Bowl?

3 mistakes to avoid in your first 3 years of retirement
3 mistakes to avoid in your first 3 years of retirement

How to retire early and still avoid 10% penalty
Worst money mistakes at any age
Know 4 important retirement account changes

China’s forex reserves poised for another record drop
China’s forex reserves poised for record drop
Will China soon burn through its reserves?

National polls show Bernie Sanders nearly even with Hillary Clinton
National polls show Sanders nearly even with Clinton
Why do young voters like Sanders so much?
Is ‘Trump bubble’ bursting in New Hampshire?
Rubio, Cruz gain in N.H., WSJ/NBC poll finds

All the bad things Hillary Clinton
has done

Clinton to ‘look into’ paid-speech transcripts

How even ‘cord cutters’ can watch the Super Bowl
Real-time win probability for the Super Bowl
It’s pretty hard to get a mortgage in 8 minutes
Super Bowl 50: Domestic-violence PSA
Here’s the PayPal ad running on Super Bowl
Better odds here than Super Bowl Predictor
Super Bowl stock predictor has a streak going

Taste the whiskey that Peyton Manning won’t try
10 Super Bowl beers that aren’t Bud Light

Twitter said to plan algorithm for timeline

Twitter suspends 125,000 terrorist accounts

John Bogle dismisses index-fund 'danger'
John Bogle dismisses index-fund 'danger'

Wanted at Vanguard: A CFO
Wanted at Vanguard: A CFO



How to know if your tax preparer is a crook
How to know if your tax preparer is a crook

Tax software firm warns of data breach

Bad buybacks and nine other money stories you may have missed
Bad buybacks and 9 other must-read stories
Only place left to invest if ‘Oilmageddon’ hits

Four reasons the January jobs report is fishy
Why the Fed is likely to stay put in March

Chicken-little investors, please read jobs report

Barron's: Here comes $20 oil
Here comes oil for just $20 a barrel


Morgan Stanley gives up on higher oil prices

Bank stocks have taken enough punishment, UBS analyst says
Bank stocks have taken enough punishment, analyst says

LinkedIn loses a Twitter in market cap

LinkedIn’s stock suffers biggest-ever selloff
LinkedIn earnings confuse investors into panic
5 reasons you hate LinkedIn so much

The best biotech plays once sector stabilizes

Tesla earnings: Model 3 spending, Model X sales in focus
Tesla earnings: Model 3, Model X in focus

How recent college grads are faring in 3 charts

Americans spend 43 days on hold in lifetime

$2,000 to go traveling, and ‘Panda Fridays’: The 10 best employee perks
10 best employee perks: Which do you have?
Will your job benefits get better this year?

20 dividend stocks that Wall Street loves the most
The 20 dividend stocks that Wall Street loves most
Dividend stocks that will give you a raise

/conga/frontpage.html 367254

Markets »

139.01MDow Volume:
Avg Vol: 128.61M
Unchanged
165
Decliners
4918
Advancers
1419
Price Chg %Chg 1 Day
Range: 1 Day
  • 1 Day
  • 5 Days
  • 1 Month
  • 3 Months
  • 6 Months
  • 1 Year
  • 2 Years
Dow
/quotes/zigman/627449/realtime 16,205 -212 1.29%
Nasdaq
/quotes/zigman/12633936/realtime 4,363 -146 3.25%
S&P 500
/quotes/zigman/3870025/realtime 1,880 -35 1.85%
GlobalDow
/quotes/zigman/629063/realtime 2,139 -24 1.12%
Gold
/quotes/zigman/33772884/delayed 1,174 +17 1.43%
Oil
/quotes/zigman/2260836/delayed 31.00 -0.72 2.27%
FTSE 100
/quotes/zigman/3173262/delayed 5,848 -51 0.86%
DAX
/quotes/zigman/2380246/delayed 9,286 -107 1.14%
CAC 40
/quotes/zigman/3173214/delayed 4,201 -28 0.66%
FTSE MIB
/quotes/zigman/1482176/delayed 17,250 -376 2.13%
IBEX 35
/quotes/zigman/2759620/delayed 8,500 +31 0.37%
Stoxx 600
/quotes/zigman/2380150/delayed 326 -3 0.87%
Asia Dow
/quotes/zigman/6959860/realtime 2,510 +7 0.29%
Nikkei 225
/quotes/zigman/5986735/delayed 16,820 -225 1.32%
Hang Seng
/quotes/zigman/2622475/delayed 19,288 +105 0.55%
Shanghai
/quotes/zigman/1859015/delayed 2,763 -18 0.63%
Sensex
/quotes/zigman/1652085/delayed 24,617 +279 1.14%
Singapore
/quotes/zigman/1709939/delayed 2,623 +65 2.53%
Euro
/quotes/zigman/16008136/realtime/sampled 1.12 -0.01 0.47%
Yen
/quotes/zigman/16008150/realtime/sampled 116.87 +0.09 0.08%
Pound
/quotes/zigman/16008140/realtime/sampled 1.45 -0.01 0.60%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.71 -0.01 1.83%
DXY Index
/quotes/zigman/1652083/delayed 96.96 +0.41 0.42%
WSJ $ Idx
/quotes/zigman/41508961/realtime 89.81 +0.50 0.56%
U.S. 10yr
/quotes/zigman/15866666/realtime 1.83 0.00 0.00%
German 10y
/quotes/zigman/15866409/realtime 0.30 -0.01 2.16%
Italy 10yr
/quotes/zigman/15866497/realtime 1.56 +0.05 3.14%
Spain 10yr
/quotes/zigman/15866444/realtime 1.65 +0.03 1.72%
U.K. 10yr
/quotes/zigman/15866328/realtime 1.56 0.00 0.00%
Japan 10yr
/quotes/zigman/15866525/realtime 0.03 -0.03 51.16%
Crude Oil
/quotes/zigman/2260836/delayed 31 -1 2.27%
Gold
/quotes/zigman/33772884/delayed 1,174 +17 1.43%
Corn
/quotes/zigman/25518691/delayed 366 -3 0.81%
DJIA F
/quotes/zigman/48241424/delayed 16,118 -210 1.29%
S&P F
/quotes/zigman/43106711/delayed 1,874 -34 1.78%
Silver
/quotes/zigman/32655632/delayed 15 +0 1.21%

Quotes

Symbol Price Change % Change
FB /quotes/zigman/9962609/composite 104.07 -6.42 -5.81%
AAPL /quotes/zigman/68270/composite 94.02 -2.58 -2.67%
GOOG /quotes/zigman/59527964/composite 683.57 -24.44 -3.45%
BAC /quotes/zigman/190927/composite 12.95 -0.30 -2.26%
C /quotes/zigman/5065548/composite 39.86 -0.93 -2.28%
F /quotes/zigman/264304/composite 11.45 -0.08 -0.69%
T /quotes/zigman/398198/composite 36.88 0.35 0.96%
BP /quotes/zigman/247026/composite 30.46 -0.15 -0.49%
GE /quotes/zigman/227468/composite 28.54 -0.64 -2.19%
Visit the quote page and your most recently viewed stocks will automatically be displayed here.
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MarketWatch Portfolio

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Rates »

5 yr CD
1.3%
2 yr CD
0.7%
1 yr CD
0.5%
MMA $10K+
0.2%
MMA $50K+
0.4%

National averages from Bankrate.com

You Don’t Need Another Credit Card, You Need A Better One.
Avg. APR Last Week 6 Months
Low Interest 11.96% 11.88% 11.62%
Business 13.12% 13.11% 12.85%
Student 13.42% 13.42% 13.14%
Balance Transfer 14.35% 14.30% 14.12%
Airline 15.17% 15.16% 15.10%
Cash Back 15.26% 15.23% 15.27%
Reward 15.28% 15.25% 15.14%
Instant Approval 18.21% 18.18% 18.00%
Bad Credit 22.88% 22.88% 22.73%
Source:CreditCards.com

Top 3 from Barron's

Today's list of the most-viewed stories from Barron's. More »

  1. 1.
  2. 2.
  3. 3.

Visit Barrons.com

SPONSORED SECTIONS

Trending Tickers
  • /quotes/zigman/88377/composite GOLD+1.95%
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  • /quotes/zigman/246020/composite XLB-1.14%
  • /quotes/zigman/208898/composite SRE-0.26%
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X
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