Planning for retirement is one of the hardest money issues people face, as the uncertainties of dealing with a goal that's years or even decades away are hard to navigate. In this edition of our Motley Fool Conversations series, Fool personal finance expert Dayana Yochim and retirement-planning analyst Dan Caplinger discuss retirement calculators and the ways that many people use them to try to find some answers to their questions of how much to save and how to invest.
Dayana notes how retirement calculators allow you to run any number of scenarios to help you plan your retirement. But as Dan points out, the to-the-penny answers that retirement calculators produce don't accurately reflect the bumpiness of real-life investing results, which inevitably include bumps and dips along the way.
The key to using retirement calculators well is to maintain the flexibility to deal with changing circumstances. Dan and Dayana bring up a number of areas where staying flexible can help, including how much money you spend from year to year, when you plan to retire, and how you invest. Taking advantage of opportunities to phase into retirement through part-time arrangements can give you extra income to help you bridge the gap to get more financial security.
Hot Prefered Companies To Buy For 2015: Tutor Perini Corporation(TPC)
Tutor Perini Corporation, together with its subsidiaries, provides diversified general contracting, construction management, and design-build services to private clients and public agencies worldwide. It operates in three segments: Civil, Building, and Management Services. The Civil segment involves in public works construction, and the repair, replacement, and reconstruction of infrastructure. This segment?s civil contracting services include construction and rehabilitation of highways, bridges, mass transit systems, and wastewater treatment facilities. The Building segment provides services to various specialized building markets for private and public works clients, such as the hospitality and gaming, transportation, healthcare, municipal offices, sports and entertainment, education, correctional facilities, biotech, pharmaceutical, industrial and high-tech markets, electrical and mechanical, plumbing, and HVAC services. The Management Services Segment offers diversifie d construction and design-build services to the United States military and government agencies, surety companies, and multi-national corporations in the United States and internationally. This segment also provides rapid response and contract completion services; and management or general contracting services to fulfill the contractual and financial obligations of the surety on notification from the surety of a contractor bond default. The company was founded in 1894 and is headquartered in Sylmar, California.
Advisors' Opinion:- [By Rich Smith]
Following up on the news that it's the likely winner of a $985 million contract to design the Madera-to-Fresno segment�of California's new high-speed railway, civil engineering firm Tutor Perini� (NYSE: TPC ) announced Tuesday that it's scored a second major contract win.
- [By Travis Hoium]
What: Shares of construction company Tutor Perini (NYSE: TPC ) jumped 12% today after the company released earnings.
So what: First quarter revenue was up 9%, to $992.9 million, and earnings nearly quadrupled, to $0.31 per share. Wall Street expected revenue to be $983.2 million and earnings of just $0.24, so investors were pleasantly surprised by the results.�
Top 5 Penny Stocks To Watch For 2014: Atwood Oceanics Inc. (ATW)
Atwood Oceanics, Inc., together with its subsidiaries, engages in offshore drilling, and the completion of exploratory and developmental oil and gas wells. The company owns semisubmersible rigs, semisubmersible tender assist rigs, jack-up drilling rigs, and submersible drilling rigs. As of November 22, 2010, it operated nine mobile offshore drilling units located in offshore southeast Asia, offshore Africa, offshore Australia, offshore South America, and the Mediterranean Sea. The company was founded in 1968 and is headquartered in Houston, Texas.
Advisors' Opinion:- [By Ben Levisohn]
“There will be blood,” one analyst noted this morning about Hornbeck Offshore Services (HOS) –but his observation could apply to just about the entire offshore-services sector, as Atwood Oceanics (ATW), Diamond Offshore (DO) and Ensco (ESV) tumble.
Top 5 Penny Stocks To Watch For 2014: Cedar Shopping Centers Inc (CDR)
Cedar Shopping Centers, Inc., real estate investment trust, engages in the ownership, operation, development and redevelopment of supermarket-anchored community shopping centers and drug store-anchored convenience centers in the United States. As of December 31, 2007, it owned 118 properties, aggregating approximately 12.0 million square feet of gross leasable area primarily in Pennsylvania, Massachusetts, Virginia, Ohio, Connecticut, New Jersey, Maryland, Michigan, and New York. Cedar Shopping has elected to be treated as a REIT for federal income tax purposes and would not be subject to federal income tax, if it distributes at least 90% of its REIT taxable income to its stockholders. The company was founded in 1984 and is based in Port Washington, New York.
Advisors' Opinion:- [By Bill Smith]
Valuation
Lastly, because of the negative perception the entire industry has received, prices in this sector have been absolutely pummeled. ESI now trades at the lower end of all of its historical valuation bands: P/E, P/B, and P/S.
Bullish Points
Guru ownership and avg price: ESI owned by Hussman ($76.15), Weitz ($75.32), and Greenblatt ($73.29)Over 35% of shares are short, potential short squeezeStock buyback plan: ESI reduced outstanding shares by 19% yoy at the end of the 4th quarter. They repurchased 370K shares in 3Q11.The business model is scalable; the incremental cost to educate each additional student is low, leading to high marginsESI acquired Daniel Webster College, giving them a regional accreditation which they can use to broaden their reach in online classes
Bearish Points
High costs of education, in general, rightly or wrongly attract government intervention and could squeeze margins over time. Total student debt surpassed credit card balances, and sits at $1 Trillion as of the end of 2011.Subject to compliance with Dept of Education's 90/10 rules, which states a college can't collect more than 90% of revenue from students participating in federal loan programs.Cohort Default Rate (CDR): for-profit colleges must monitor the federal loan default rates of students who graduate or leave the school. If a school's CDR exceeds 25% for 3 consecutive years, or 40% in any one year, its students won't be eligible for federal financial aid.ESI competes on quality of product which is measured by graduation rates and ability to secure employment. For 2010, 70% of ESI graduates got employment in positions using skills taught in their program of study within 1 year. As of Oct 2011, this rate was 600 bp higher. The average annual salary reported by employed 2011 grads was $32K, compared to $32.4K for 2010 grads.With an improving economy, there's a potential ESI would see declining new student enrollmentsOver 35% of shares are short
Summary
Top 5 Penny Stocks To Watch For 2014: Northstar Realty Finance Corp. (NRF)
NorthStar Realty Finance Corp. operates as a real estate investment trust in the United States. It invests in real estate debt business, which acquires, originates, and structures debt investments secured primarily by income-producing real estate properties; real estate securities business that invests in commercial real estate debt securities, including commercial mortgage backed securities, REIT unsecured debt, and credit tenant loans; and net lease properties business, which acquires properties that are primarily net leased to corporate tenants. The company has elected to be taxed as a REIT and it would not be subject to federal income tax, provided it distributes at least 90% of its taxable income to its shareholders. NorthStar Realty Finance was founded in 1997 and is based in New York City.
Advisors' Opinion:- [By Louis Navellier]
Northstar Realty Finance (NRF) is a REIT that acquires, originates, and structures debt investments secured primarily by income-producing real estate properties. Northstar also invests in commercial real estate debt securities, including commercial mortgage backed securities, REIT unsecured debt, and credit tenant loans and has a portfolio of properties that are net leased to commercial tenants.
- [By Lisa Levin]
NorthStar Realty Finance (NYSE: NRF) surged 8.86% to $17.45. The volume of NorthStar Realty Finance shares traded was 419% higher than normal. American Realty Capital Properties (NASDAQ: ARCP) is in talks for a takeover of NorthStar Realty Finance, Financial Times' Ed Hammond said on Twitter.
- [By Rich Duprey]
Not only will following the north star help you find your way when lost, but it will lead you to riches, too. NorthStar Realty Finance� (NYSE: NRF ) �announced yesterday it�will pay a�regular quarterly dividend�of $0.19 per share on May 17 to the holders of record at the close of business on May 13.�
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