Hill's Personal Financetag:typepad.com,2003:weblog-4886262010-09-30T16:22:56-04:00TypePadLast Posttag:typepad.com,2003:post-6a00d83452059269e20133f4c0707d970b2010-09-30T16:22:56-04:002010-09-30T16:22:56-04:00Thank you ladies and gentlemen for reading Hill's Personal Finance. I have been changing my business into the partnership University Retirement Specialists. We will continue posting our strategies at the new website. These articles can be found in the Blog...Spencer Hillhttp://hillspersonalfinance.typepad.com/hills_personal_finance/2010/09/last-post.htmlThe Importance of a Life Insurance Audittag:typepad.com,2003:post-6a00d83452059269e201310f8f0531970c2010-03-11T15:44:49-05:002010-03-11T15:44:49-05:00Is it time to review your policy? Life insurance is hard. It’s hard to know if you have the right kind. It’s hard to know if you have enough. And it’s hard to know if you need any at all....Spencer Hillhttp://hillspersonalfinance.typepad.com/hills_personal_finance/2010/03/the-importance-of-a-life-insurance-audit.htmlSmall Business' Need A Plantag:typepad.com,2003:post-6a00d83452059269e20120a8f23f45970b2010-03-08T05:33:00-05:002010-03-08T05:33:00-05:00A retirement plan, that is. Without one, business owners may miss out on attracting the most qualified employees. Do you own a small business? If so, what do you think of your staff? Do you have the best and the...Spencer Hillhttp://hillspersonalfinance.typepad.com/hills_personal_finance/2010/03/small-business-need-a-plan.htmlRules Change for 401K In-Service Rolloverstag:typepad.com,2003:post-6a00d83452059269e201310f52f762970c2010-03-02T10:02:38-05:002010-03-02T10:02:38-05:00401(k)-to-Roth rollovers are now possible before age 59½. A new possibility. Sometimes employees want to pull money out of a 401(k) before they retire. It isn’t always because of an emergency. Some workers want to make an in-service non-hardship withdrawal...Spencer Hillhttp://hillspersonalfinance.typepad.com/hills_personal_finance/2010/03/rules-change-for-401k-inservice-rollovers.htmlThe Potential of the BRIC Nationstag:typepad.com,2003:post-6a00d83452059269e20120a8ec1c8b970b2010-03-02T09:53:09-05:002010-03-02T09:53:09-05:00Why emerging market equities have the world’s attention. Brazil. Russia. India. China. These four nations have some of the fastest-growing economies on earth and are becoming drivers in the world economy. In the coming decades, they may command as much...Spencer Hillhttp://hillspersonalfinance.typepad.com/hills_personal_finance/2010/03/the-potential-of-the-bric-nations.htmlRecession Recoveries: 2001tag:typepad.com,2003:post-6a00d83452059269e20128777d4b92970c2010-02-15T05:59:00-05:002010-02-15T05:59:00-05:00What happened, how the markets came back, and the rewards for the patient investor. The numbers. According to the National Bureau of Economic Research (which has made a point of chronicling all U.S. recessions), this downturn lasted from March to...Spencer Hillhttp://hillspersonalfinance.typepad.com/hills_personal_finance/2010/02/recession-recoveries-2001.htmlSurvivor Options on Bondstag:typepad.com,2003:post-6a00d83452059269e20128777d6234970c2010-02-12T05:38:00-05:002010-02-12T05:38:00-05:00A popular estate planning feature. Have you heard of the “survivor option”? How about a “death put”? These rather bleak terms reference a very useful choice for beneficiaries who inherit certain kinds of corporate bonds. This option has become increasingly...Spencer Hillhttp://hillspersonalfinance.typepad.com/hills_personal_finance/2010/02/survivor-options-on-bonds.htmlPreferred Stockstag:typepad.com,2003:post-6a00d83452059269e20128777d4dbc970c2010-02-09T08:27:26-05:002010-02-09T08:27:26-05:00A special category of securities worth exploring. Stocks that tend to pay sizable dividends. Institutional and individual investors buy preferred stocks because they offer fixed dividends – in fact, dividend yields are typically greater than those of common shares.1 Preferred...Spencer Hillhttp://hillspersonalfinance.typepad.com/hills_personal_finance/2010/02/preferred-stocks.htmlRecession Recoveries: 1990-91tag:typepad.com,2003:post-6a00d83452059269e20120a87abbfa970b2010-02-09T07:57:14-05:002010-02-09T07:57:14-05:00What happened, how the markets came back, and the rewards for the patient investor. The numbers. This one lasted eight months (about average for U.S. recessions), and it compares interestingly with the economic downturn today. Unemployment hit 7.8% during this...Spencer Hillhttp://hillspersonalfinance.typepad.com/hills_personal_finance/2010/02/recession-recoveries-199091.htmlRecession Recoveries: 1981-1982tag:typepad.com,2003:post-6a00d83452059269e2012876c64f72970c2010-01-11T12:55:44-05:002010-01-11T12:55:44-05:00What happened, how the markets came back, and the rewards for the patient investor. The numbers. This 15-month recession represented the biggest struggle for the Reagan administration during its first term. People often remember this deep recession in terms of...Spencer Hillhttp://hillspersonalfinance.typepad.com/hills_personal_finance/2010/01/recession-recoveries-19811982.htmlSome Financial New Year's Resolutions tag:typepad.com,2003:post-6a00d83452059269e20120a7c3ccca970b2010-01-11T12:13:47-05:002010-01-11T12:13:47-05:00Things you might want to consider doing in 2010. Okay. It’s that time of year - the time for New Year’s resolutions. They can include financial resolutions. Here are some possibilities for 2010. Control non-mortgage debt. Experian says the average...Spencer Hillhttp://hillspersonalfinance.typepad.com/hills_personal_finance/2010/01/some-financial-new-years-resolutions-.htmlThe DCA Waytag:typepad.com,2003:post-6a00d83452059269e2012876771fc8970c2009-12-22T21:28:35-05:002009-12-22T21:28:35-05:00Dollar cost averaging offers you a way to invest consistently and a chance to exploit some great buys. Are you investing inconsistently … or not at all? Inconsistent investment can sabotage your retirement savings efforts. There’s a way to avoid...Spencer Hillhttp://hillspersonalfinance.typepad.com/hills_personal_finance/2009/12/the-dca-way.html