Podcasts about retirementor

You'll face a myriad of decisions in planning for retirement. Wade Pfau has written a comprehensive guide to help you prepare well, financially and otherwise. He joins us to discuss how to fortify your retirement planning and decision-making. We discuss: How he became interested in studying retirement and retirement planning The key risks to manage in planning for retirement Why the traditional concept of retirement is increasingly unaffordable - and what to do instead His views on the 4% rule The roles that annuities and reverse mortgages can play in retirement planning The pros and cons of working longer What to consider in deciding where to live in retirement The non-financial aspects of transitioning to retirement - and special challenges for introverts How to assess your preparedness for retirement Wade joins us from Dallas. ______________________ Bio  Wade D. Pfau, PhD, is Professor of Retirement Income in the Ph.D. in Financial and Retirement Planning program, Co-Director of the New York Life Center for Retirement Income, and RICP® program director at The American College of Financial Services. Pfau is a co-editor of the Journal of Personal Finance. He has spoken at national conferences of organizations for financial professionals such as the CFA Institute, FPA, NAPFA, AICPA-PFP, and AFS. He also publishes frequently in a wide variety of academic and practitioner research journals. He hosts the Retirement Researcher blog, and is a monthly columnist for Advisor Perspectives, a RetireMentor for MarketWatch, a contributor to Forbes, and an Expert Panelist for The Wall Street Journal. His research has been discussed in outlets that include print editions of The Economist, The New York Times, The Wall Street Journal, and Money Magazine. Pfau was a selectee for the InvestmentNews “Power 20” in 2013 and “40 Under 40” in 2014, the Investment Advisor 35 list for 2015, the IA 25 list for 2014, and Financial Planning magazine's Influencer Awards. He is a two-time winner of the Journal of Financial Planning Montgomery-Warschauer Award, a two-time winner of the Academic Thought Leadership Award from the Retirement Income Industry Association, and a best paper award winner in the retirement category from the Academy of Financial Services. Pfau holds a doctorate in economics and a master's degree from Princeton University, and bachelor of arts and bachelor of science degrees from the University of Iowa. He is also a Chartered Financial Analyst® (CFA®). _________________________ For More on Wade Pfau Retirement Planning Guidebook: Navigating the Important Decisions for Retirement Success Retirement Researcher Website _________________________ One Day University At One Day University, you can watch hundreds of fascinating talks by the most popular professors from 150 top schools. A special offer for listeners of The Retirement Wisdom Podcast: learn more and start your two-week free trial at www.onedayu.com/wisdom Check out the video library to see what interests you. _________________________ Wise Quotes On Risks "Risks fall into a few different categories. Longevity risk is worth mentioning first, and it's a good thing in a way. You don't know how long you're going to live, and you might live a very long time, which is wonderful, but just on the financial side, it's expensive to live a long time. You have to fund your retirement for more and more years. So longevity risks really is the overarching risk, and you've got the different types of market risk and market volatility, interest rates that are changing, and so forth, just market-related risks and inflation could be part of that as well. But even a low inflation rate over a long retirement can really compound over time. And then everything else really falls into the category of spending shocks. Which is you may have a reasonable baseline budget that you anticipate,

In this week's episode, Lynn is interviewed as part of a Retirement Summit for women. The Summit focused on the lifestyle side of retirement, but the founder invited Lynn on as a guest to discuss the financial side of retirement. 

Flashback Friday Original Publishing Date: June 29, 2013 Dennis Miller is the author of a book called Retirement Reboot and the only retired RetireMentor columnist on Marketwatch. Jason Hartman interviews Dennis about his experiences and research on retirees and investing. Dennis is also the author of the weekly newsletter Millers Money which has over 150,000 subscribers. Dennis surveyed his readers about how much inflation is a reality in their lives. Over 3,000 people responded and the results were staggering. The reality is that retirees living off a fixed income know EXACTLY how much the price of basic necessities have gone up. They can not only tell you exactly how much the price went up, they can tell you how much the packaging has downsized and how the quality has diminished. Dennis has tapped into the real fear faced by retirees. These three columns that came out of the results really sum up how the government inflation numbers are not a true reflection of how retirees live their lives which is why they seem to be feeling inflation to a greater extent. •             Only 1.6% thought inflation was 1 – 2% •             14.2% of readers thought inflation was 3 – 5% for them •             34.9% thought inflation was 6 – 8% for them •             25.7% thought inflation was 9 – 10% for them •             23.6% thought inflation was over 11% for them For more details, visit www.JasonHartman.com. Check out this episode

Dr. Wade Pfau, CFA, the Retirement Researcher, has made his career diving deep into the world of academic retirement research to find practical applications and strategies to help retirees and financial planners alike. He’s the Professor of Retirement Income at The American College and the Director of Retirement Research for McLean Asset Management and inStream Solutions. In addition to the Retirement Researcher blog and publishing in many academic and practitioner journals, he is also a monthly columnist for Advisor Perspectives, a RetireMentor for Market Watch, a Wall Street Journal Expert Panelist, and a contributor to Forbes. He is also the author of Reverse Mortgages: How to use Reverse Mortgages to Secure Your Retirement and How Much Can I Spend in Retirement?: A Guide to Investment-Based Retirement Income Strategies. Though Dr. Pfau is an academic, his books aren’t unapproachable: they’re easy to read, engaging, and full of useful advice. Today, Dr. Pfau joins the podcast to talk about the research that led to Reverse Mortgages, the key differences between investing before and after retirement, and how to build a more holistic portfolio designed to sustain your lifestyle, even in the face of a market downturn. Get Access to Today's Show Notes To get access to today's show notes, including transcript, audio, and links to resources mentioned, visit RetireWithPurpose.com/11   Disclosure:  Investment Advisory Services may be offered through Howard Bailey Securities, LLC, a registered investment advisor. Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements. The CLU® mark is the property of The American College, which reserves sole rights to its use, and is used by permission. Howard Bailey Financial is a registered trademark of Howard Bailey Financial. All rights reserved. Howard Bailey does not offer legal or tax advice. Please consult the appropriate professional regarding your individual circumstance. Not associated with or endorsed by the Social Security Administration or any other government agency. 

Dr. Wade D. Pfau, CFA®, is a Professor of Retirement Income in the PhD in Financial and Retirement Planning program at The American College of Financial Services. He is also a contributor to the The College's Retirement Income Certified Professional® (RICP®) designation program curriculum. Dr. Pfau is a co-editor of the Journal of Personal Finance. He has spoken at the national conferences of organizations for financial professionals such as the CFA Institute, FPA, NAPFA, AICPA-PFP, and AFS. He also publishes frequently in a wide variety of academic and practitioner research journals. He hosts the Retirement Researcher blog, and is a monthly columnist for Advisor Perspectives, a RetireMentor for MarketWatch, a contributor to Forbes, and an Expert Panelist for The Wall Street Journal. His research has been discussed in outlets that include print editions of The Economist, The New York Times, The Wall Street Journal, and Money Magazine. Dr. Pfau was a selectee for the InvestmentNews “Power 20” in 2013 and “40 Under 40” in 2014, the Investment Advisor 35 list for 2015, the IA 25 list for 2014, and Financial Planning magazine's Influencer Awards. He is a two-time winner of the Journal of Financial Planning Montgomery-Warschauer Award, a two-time winner of the Academic Thought Leadership Award from the Retirement Income Industry Association, and a best paper award winner in the retirement category from the Academy of Financial Services. Dr. Pfau holds a doctorate in economics and a master's degree from Princeton University, and Bachelor of Arts and Bachelor of Science degrees from the University of Iowa. He is also a Chartered Financial Analyst® (CFA®).

How much can you spend in retirement? Naturally, this is an essential question for those approaching this important life transition. Essentially, if you wish to retire one day, you are increasingly responsible for figuring out how to save during your working years and convert your savings into sustainable income for an ever-lengthening number of retirement years. The nature of risk also changes in retirement, as the lifestyle of retirees become more vulnerable to the impacts of market volatility, unknown longevity, and spending shocks. Retirees have one opportunity to build a successful plan. It is not an easy task, but it is manageable. On today's show we talked with Author Dr. Wade Pfau about his new book How to Spend Money Wisely in Retirement.  Dr. Wade D. Pfau, CFA®, is a Professor of Retirement Income in the PhD in Financial and Retirement Planning program at The American College of Financial Services. He is also a contributor to the The College's Retirement Income Certified Professional® (RICP®) designation program curriculum. Dr. Pfau is a co-editor of the Journal of Personal Finance. He has spoken at the national conferences of organizations for financial professionals such as the CFA Institute, FPA, NAPFA, AICPA-PFP, and AFS. He also publishes frequently in a wide variety of academic and practitioner research journals. He hosts the Retirement Researcher blog, and is a monthly columnist for Advisor Perspectives, a RetireMentor for MarketWatch, a contributor to Forbes, and an Expert Panelist for The Wall Street Journal. His research has been discussed in outlets that include print editions of The Economist, The New York Times, The Wall Street Journal, and Money Magazine.     To learn more about Wade visit: www.retirementresearcher.com   To learn more about Houston Money Week visit: www.Houstonmoneyweek.org   http://www.cheatsheet.com/personal-finance/how-schools-can-improve-their-personal-finance-education.html/ Financial Advisor Magazine Articles: http://www.fa-mag.com/news/advisors-stay-the-course-amid-monday-s-market-drop-22864.html?section=3  http://www.fa-mag.com/news/on-it-s-80th-anniversaryadvisors-consider-social-security-s-impactfuture-22784.html?section=3 You can listen live by going to www.kpft.org and clicking on the HD3 tab. You can also listen to this episode and others by podcast at: http://directory.libsyn.com/shows/view/id/moneymatters or www.moneymatterspodcast.com #KPFTHOUSTON #HoustonMoneyWK #WadePfau

Jason interviews Wade Pfau. Wade D. Pfau, Ph.D., CFA, is a Professor of Retirement Income in the Ph.D. program for Financial and Retirement Planning at The American College in Bryn Mawr, PA. He also serves as a Principal and Director for McLean Asset Management. He holds a doctorate in economics from Princeton University and publishes frequently in a wide variety of academic and practitioner research journals on topics related to retirement income. He hosts the Retirement Researcher website, and is a monthly columnist for Advisor Perspectives, a RetireMentor for MarketWatch, a contributor to Forbes, and an Expert Panelist for the Wall Street Journal. He recently authored his first book, Reverse Mortgages: How to Use Reverse Mortgages to Secure Your Retirement, which is available from Amazon.

We all need to create a long-term-care plan while we're fully coherent and have all of our faculties.

We all need to create a long-term-care plan while we're fully coherent and have all of our faculties. The post Make sure you have a long-term-care plan in place before it’s too late appeared first on Retirement Income Center.

When you become a participant in a 401(k) plan that includes a Roth option, you face an interesting dilemma. In addition to deciding what percentage of your salary you would like to contribute to your plan, you need to let your plan administrator know how your contributions should be allocated between the plan’s traditional and […]

When you become a participant in a 401(k) plan that includes a Roth option, you face an interesting dilemma. In addition to deciding what percentage of your salary you would like to contribute to your plan, you need to let your plan administrator know how your contributions should be allocated between the plan’s traditional and […] The post How to put some muscle into your Roth 401(k) appeared first on Retirement Income Center.

When I’m sixty-four? –“When I’m Sixty-Four” by The Beatles (1967) Full Retirement Age (FRA), which is the age at which you’re entitled to receive 100% of your Social Security monthly retirement benefit, increased from 65 to 66 as a result of the 1983 Amendments. Now, FRA is being phased in to increase to 67 for […]

When I’m sixty-four? –“When I’m Sixty-Four” by The Beatles (1967) Full Retirement Age (FRA), which is the age at which you’re entitled to receive 100% of your Social Security monthly retirement benefit, increased from 65 to 66 as a result of the 1983 Amendments. Now, FRA is being phased in to increase to 67 for […] The post Should the Social Security eligibility age be increased to 64? appeared first on Retirement Income Center.

Given the inherent complexity and unpredictable nature of retirement planning, it’s important that sustainable income is included in your plan. Merriam-Webster’s simple definition of sustainable is “able to last or continue for a long time.” Examples of sustainable income include Social Security, defined-benefit pension plans and fixed-income annuities. There are five basic reasons for including […]

Given the inherent complexity and unpredictable nature of retirement planning, it’s important that sustainable income is included in your plan. Merriam-Webster’s simple definition of sustainable is “able to last or continue for a long time.” Examples of sustainable income include Social Security, defined-benefit pension plans and fixed-income annuities. There are five basic reasons for including […] The post 5 reasons to include sustainable income in your retirement plan appeared first on Retirement Income Center.

With the 2015 tax filing season in the rear-view mirror for most of us, it’s time to start thinking about 2016 income-tax planning if you haven’t done so already. The starting point for income-tax planning should always be your prior-year income-tax returns. In addition to giving you a baseline for your projected 2016 income, deductions, […] The post 5 carryovers to remember when doing 2016 tax planning appeared first on Retirement Income Center.

With the 2015 tax filing season in the rear-view mirror for most of us, it’s time to start thinking about 2016 income-tax planning if you haven’t done so already. The starting point for income-tax planning should always be your prior-year income-tax returns. In addition to giving you a baseline for your projected 2016 income, deductions, […]

It’s that time of the year when a lot of people are sitting on pins and needles wondering if they’re going to owe money when they file their income tax returns. Others know they will receive a sizable refund because they receive one every year. What’s the right way? Should you minimize your income tax […]

It’s that time of the year when a lot of people are sitting on pins and needles wondering if they’re going to owe money when they file their income tax returns. Others know they will receive a sizable refund because they receive one every year. What’s the right way? Should you minimize your income tax […] The post Does it matter whether you receive an income-tax refund? appeared first on Retirement Income Center.

Life-insurance companies have historically been the go-to choice assuming that your goal is to receive a known and predictable amount of secure lifetime income. The product offered by life insurance companies that best meets this need is fixed income annuities. Annual lifetime income from an investment of $1 million Let’s look at an example to […]

Life-insurance companies have historically been the go-to choice assuming that your goal is to receive a known and predictable amount of secure lifetime income. The product offered by life insurance companies that best meets this need is fixed income annuities. Annual lifetime income from an investment of $1 million Let’s look at an example to […] The post $1 million today or $100,000 a year for the rest of your life? appeared first on Retirement Income Center.

It has always been fascinating to me how income-tax laws motivate behavior. Take IRAs for example. Even though the contribution limit is only $5,500, or $6,500 if you’re 50 or older, traditional and Roth IRA contributions continue to be the go-to choice for many individuals planning for retirement. Limited tax savings with QLACs Although it’s […]

It has always been fascinating to me how income-tax laws motivate behavior. Take IRAs for example. Even though the contribution limit is only $5,500, or $6,500 if you’re 50 or older, traditional and Roth IRA contributions continue to be the go-to choice for many individuals planning for retirement. Limited tax savings with QLACs Although it’s […] The post Don’t limit your longevity protection to $125,000 appeared first on Retirement Income Center.

One of the questions that I’m often asked is, “How much do I need to save for retirement?” That’s a great question, however, a better one is, “How much should I save for retirement in tax-friendly vs. taxable investment accounts?” Although neither question can be answered with a simple rule of thumb, the second one […]

One of the questions that I’m often asked is, “How much do I need to save for retirement?” That’s a great question, however, a better one is, “How much should I save for retirement in tax-friendly vs. taxable investment accounts?” Although neither question can be answered with a simple rule of thumb, the second one […] The post Take steps to make your retirement nest egg tax friendly appeared first on Retirement Income Center.

You’re having a banner year at work and you want to set aside some of your earnings for retirement. Specifically, you want to make a deductible traditional IRA contribution. Your income was $70,000 in 2014 and will increase to $115,000 in 2015 as a result of a sizable bonus. You got married earlier this year […] The post The tax rules that limit the deductibility of your IRA contributions appeared first on Retirement Income Center.

You’re having a banner year at work and you want to set aside some of your earnings for retirement. Specifically, you want to make a deductible traditional IRA contribution. Your income was $70,000 in 2014 and will increase to $115,000 in 2015 as a result of a sizable bonus. You got married earlier this year […]

A RetireMentors column of mine from July 2014 regarding a Social Security loophole’s huge windfall opportunity, discussed a relatively unknown application of the file-and-suspend strategy whereby single individuals could, in effect, insure their retirement benefits. The file-and-suspend strategy was effectively eliminated by the Bipartisan Budget Act of 2015 that was signed by President Obama on […] The post Social Security loophole’s windfall opportunity repealed appeared first on Retirement Income Center.

A RetireMentors column of mine from July 2014 regarding a Social Security loophole’s huge windfall opportunity, discussed a relatively unknown application of the file-and-suspend strategy whereby single individuals could, in effect, insure their retirement benefits. The file-and-suspend strategy was effectively eliminated by the Bipartisan Budget Act of 2015 that was signed by President Obama on […]

The Social Security Administration threw a wrench into a lot of retirees’ plans on last Thursday when it announced that there will be no cost of living adjustment, or COLA, for Social Security benefits in 2016. In addition to retirees’ Social Security income remaining flat, approximately 30% of Medicare beneficiaries will face an increase of […] The post Don’t let higher Medicare premiums derail your Social Security plan appeared first on Retirement Income Center.

The Social Security Administration threw a wrench into a lot of retirees’ plans on last Thursday when it announced that there will be no cost of living adjustment, or COLA, for Social Security benefits in 2016. In addition to retirees’ Social Security income remaining flat, approximately 30% of Medicare beneficiaries will face an increase of […]

What is the only tax-deductible and tax-free investment not subject to IRS’ minimum distribution requirements and income limitations? While several possibilities come to mind, you will see shortly that there’s one clear-cut winner. Candidates Let’s look at some candidates, starting with 401(k) plans. Traditional 401(k) plan contributions are deductible and grow tax deferred. Distributions are […]

What is the only tax-deductible and tax-free investment not subject to IRS’ minimum distribution requirements and income limitations? While several possibilities come to mind, you will see shortly that there’s one clear-cut winner. Candidates Let’s look at some candidates, starting with 401(k) plans. Traditional 401(k) plan contributions are deductible and grow tax deferred. Distributions are […] The post Investing in your health can be your best way to avoid taxes appeared first on Retirement Income Center.

Jason Parker interviews Wade Pfau, Ph.D., CFA. Wade D. Pfau, PhD, CFA, is a Professor of Retirement Income in the new PhD program for Financial and Retirement Planning at The American College in Bryn Mawr, PA. He is a past selectee for the InvestmentNews Power 20 for people expected to shape the financial advisory industry, and is a recipient of Financial Planning magazine's Influencer Awards. His research article on “safe savings rates” won the inaugural Journal of Financial Planning Montgomery-Warschauer Editor's Award, and his work on evaluating the outcomes of different retirement income strategies received an Academic Thought Leadership Award from the Retirement Income Industry Association. He has also served as a past curriculum director for that organization's Retirement Management Analyst (RMA) designation program, and he has contributed to the curriculum of The American College's Retirement Income Certified Professional (RICP) designation. He holds a doctorate in economics from Princeton University, and he has published research on retirement planning in a wide variety of academic and practitioner research journals. He is also an active blogger on retirement research, maintains the educational Retirement Research website, and is a monthly columnist for Advisor Perspectives, a RetireMentor for MarketWatch, and an Expert Panelist for the Wall Street Journal. His research has been discussed in outlets including the print editions of The Economist, Wall Street Journal, Money Magazine, and SmartMoney. See his Google + profile for contact information.  

Here we go again. I’m not talking about the Ray Charles country music standard that was popularized as a rhythm-and-blues duet with Norah Jones and earned them (posthumously for Charles) a Grammy Award for Record of the Year in 2004. I’m referring instead to the recent thrashing of the stock market. With its drop of […] The post Depressed markets provide opportunities for Roth IRA conversions appeared first on Retirement Income Center.

Here we go again. I’m not talking about the Ray Charles country music standard that was popularized as a rhythm-and-blues duet with Norah Jones and earned them (posthumously for Charles) a Grammy Award for Record of the Year in 2004. I’m referring instead to the recent thrashing of the stock market. With its drop of […]

A new client recently asked me, “Do most of your clients reduce the equity allocation of their investment portfolio as they get older?” I began my answer with the proverbial, “It depends.” I told him that while many of my clients reduce the equity portion of their investment portfolio as they approach retirement, this isn’t […] The post How to design the ideal retirement portfolio appeared first on Retirement Income Center.

A new client recently asked me, “Do most of your clients reduce the equity allocation of their investment portfolio as they get older?” I began my answer with the proverbial, “It depends.” I told him that while many of my clients reduce the equity portion of their investment portfolio as they approach retirement, this isn’t […]

When the Dow Jones Industrial Average closed at 18,000 last Wednesday, it marked the 12th time that the index traversed this level. Similar to most of the other events, it was short-lived, retreating to 17,899 on Friday. Unlike the previous two barriers of 17,000 and 16,000, which were overcome after eight and three traversings, respectively, […] The post Will 13 be the Dow’s lucky number? appeared first on Retirement Income Center.

When the Dow Jones Industrial Average closed at 18,000 last Wednesday, it marked the 12th time that the index traversed this level. Similar to most of the other events, it was short-lived, retreating to 17,899 on Friday. Unlike the previous two barriers of 17,000 and 16,000, which were overcome after eight and three traversings, respectively, […]

With the Dow Jones Industrial Average closing at yet another record high on Tuesday, there are a lot of people wondering when the stock market is going to reverse its upward course. This is natural given the fact that the closing price of 18,312 represents a gain of over 11,700 points since the March 9, […] The post Retrofit your portfolio before the next market crash appeared first on Retirement Income Center.

With the Dow Jones Industrial Average closing at yet another record high on Tuesday, there are a lot of people wondering when the stock market is going to reverse its upward course. This is natural given the fact that the closing price of 18,312 represents a gain of over 11,700 points since the March 9, […]

When the Medicare Access and CHIP Reauthorization Act of 2015, commonly known as the “doc-fix” legislation, becomes law, some Medicare participants will pay 30% more for their Part B premiums. The legislation, which was decisively passed by the House on March 26 and the Senate on April 14 is expected to be signed by President […] The post Medicare Part B premiums increasing up to 30% appeared first on Retirement Income Center.

When the Medicare Access and CHIP Reauthorization Act of 2015, commonly known as the “doc-fix” legislation, becomes law, some Medicare participants will pay 30% more for their Part B premiums. The legislation, which was decisively passed by the House on March 26 and the Senate on April 14 is expected to be signed by President […]

One of the incentives for saving for retirement for self-employed individuals is the tax deduction for retirement plan contributions. A popular choice is the simplified employee pension, or SEP, plan. Deductible contributions of up to 25% of net self-employment income, with a limit of $52,000 for 2014 and $53,000 for 2015, may be made to […] The post 5 benefits of a capital gains retirement strategy appeared first on Retirement Income Center.

One of the incentives for saving for retirement for self-employed individuals is the tax deduction for retirement plan contributions. A popular choice is the simplified employee pension, or SEP, plan. Deductible contributions of up to 25% of net self-employment income, with a limit of $52,000 for 2014 and $53,000 for 2015, may be made to […]

When you retire, how would you like to wake up each morning knowing that 50% or more of your income will automatically be deposited in your checking account each month for the rest of your life? How would that make you feel? If you think like retirees who responded to a recent Towers Watson survey, […] The post How to reduce retirement anxiety appeared first on Retirement Income Center.

When you retire, how would you like to wake up each morning knowing that 50% or more of your income will automatically be deposited in your checking account each month for the rest of your life? How would that make you feel? If you think like retirees who responded to a recent Towers Watson survey, […]

The Social Security Administration gives us a lot of leeway when it comes to choosing a date when we want to start receiving retirement benefits. There’s basically an eight-year window, beginning at age 62 and ending at 70 with corresponding monthly benefit reductions and increases based on full retirement age. Full retirement age is currently […] The post Starting Social Security later—for your spouse’s sake appeared first on Retirement Income Center.

Dennis Miller is the author of a book called Retirement Reboot and the only retired RetireMentor columnist on Marketwatch. Jason Hartman interviews Dennis about his experiences and research on retirees and investing. Dennis is also the author of the weekly newsletter Millers Money which has over 150,000 subscribers. Dennis surveyed his readers about how much inflation is a reality in their lives. Over 3,000 people responded and the results were staggering. The reality is that retirees living off a fixed income know EXACTLY how much the price of basic necessities have gone up. They can not only tell you exactly how much the price went up, they can tell you how much the packaging has downsized and how the quality has diminished. Dennis has tapped into the real fear faced by retirees. These three columns that came out of the results really sum up how the government inflation numbers are not a true reflection of how retirees live their lives which is why they seem to be feeling inflation to a greater extent.   •             Only 1.6% thought inflation was 1 – 2% •             14.2% of readers thought inflation was 3 – 5% for them •             34.9% thought inflation was 6 – 8% for them •             25.7% thought inflation was 9 – 10% for them •             23.6% thought inflation was over 11% for them     For more details, visit www.JasonHartman.com.