The September issue of the Financial Times (and not that London nonsense, but the REAL Financial Times) is out. Here is a summary of some of the key issues:

PAPER ASSETS VS REAL ASSETS
Paper assets and real assets have distinct differences. Not only is it important to know and understand these differences, it’s also helpful to keep each type of asset in balance as part of your overall financial program.

A NEW TREND IN HOMEOWNERS’ DEDUCTIBLES
Could you afford a $15,000 deductible for damages to your home that were caused by natural disasters? A short explanation of why insurance companies are changing the way they price homeowners’ insurance.

ATMs IN HOUSES OF WORSHIP?
New IRS regulations on documentation for charitable giving have become much more stringent. Some charities, particularly houses of worship, have come up with might be considered an inspired response – and in some cases, actually received more donations.

RISK TOLERANCE ILLUSTRATION
If a picture is worth a thousand words, this illustration should give you plenty to talk (and think) about when the topic is your risk tolerance.

RATIONAL DECUMULATION
When it comes time to spend accumulated assets in retirement, what asset class works best? A new report from the Wharton School of Business offers some interesting opinion, including some thoughts on why many (even “financial professionals”) don’t respond rationally to the challenge of spending our savings.

For the PDF on the full issue, please click here.