Holiday Greeting - Labor Day and Labor Unions
Labor Day is set aside to celebrate the social and economic achievements of American workers. It was proposed as a holiday by Matthew Maguire in 1882 while he served as secretary of the Central Labor Union in New York, NY. The labor...Read More
Can Social Security Benefits Help with Longevity Risk?
How long will you live? How long will you live? It’s not a question anyone can answer with any certainty, and that creates a significant risk when planning for retirement. Your retirement may last for a long time, and you will need to...Read More
Ready, Set, Trade War?
In recent years, investors have largely ignored geopolitical risks. Russia’s invasion of the Crimean Peninsula, the Brits’ vote to leave the European Union (EU), unrest in the Middle East, and other global events have not affected...Read More
LifeStyle Newsletter - Are You a Subscriber?
In the olden days, the word ‘subscription’ typically was applied to just magazines and newspapers. Today, that’s not the case. Americans are buying everything from meal kits to baby products to vitamins by subscription. A McKinsey &...Read More
Holiday Greeting - Out of Revolution a New Nation was Born
On July 4, 1776, the American colonies banded together and declared independence from Great Britain. The countries had been at war for more than a year due to a number of issues, particularly in regards to harsh taxation and a lack of...Read More
What Happens When the Well Runs Dry?
To the relief of many South Africans, Day Zero has been pushed back to 2019. Day Zero is the date on which Cape Town will run out of water, and its four million residents will begin to collect daily water rations of about seven gallons...Read More
Holiday Greeting - Make It All About Dad
There are many perceived requirements of being a dad. “One of the jobs of a good dad is to help kids become a little tougher, a little more resilient, a little more separate…dads push kids to leave the nest; they brush off the dirt...Read More
How to Prepare for a Changing Bond Market
The words ‘bear market’ have been bandied about a lot lately. When you read or hear them, remember to respond the same way you would if you saw an actual bear in the woods – by staying calm and keeping your wits about you. A changing...Read More
Holiday Greeting - Mindfulness and Memorial Day
If you’ve ever composed a grocery list in your head while driving carpool and listening to your children discuss who got in trouble at school and why, then you know what it’s like to have your attention divided. If you’ve ever worked...Read More
Holiday Greeting - 10 Reasons Moms are Important
Mother’s Day is almost here! We all have moms and, whether they gave birth to us or not, they have helped us become the people we are today. Here are 10 reasons moms are so important, adapted from Psychology Today:11. She gave birth to...Read More
LifeStyle Newsletter - Life in the Future
Technology is a life changer. GPS has improved interpersonal relations by eliminating arguments about asking for directions. Apps for car services, food delivery, video streaming, news media, and social media have changed the way we...Read More
Home is Wherever You Make It
“There’s no place like home.”1Conjuring an image of ‘home’ was a lot easier for Dorothy than it is for people who are on the cusp of retirement. After all, isn’t retirement supposed to be a new start? Aren’t retirees supposed to wave...Read More
Holiday Greeting - St. Patrick and the Irish
It’s almost time to don green and gold. That’s right, March 17 is upon us. There’s more to the holiday, however, than eating corned beef and cabbage and celebrating the Irish. For instance, St. Patrick is the patron saint of Ireland,...Read More
Two Ideas Worth Thinking About When Markets are Moving
Here’s a number most people would like to see on an annual statement: 21.6 percent. That was the annual return for the Standard & Poor (S&P) 500 Index during 2017. In general, U.S. stock indices did quite well last year – and the year...Read More
Holiday Greeting - It’s Almost Valentine’s Day
If you’re looking for a gift that will express your love better than chocolates or a bouquet of flowers, don’t fret. Trendhunter.com has some innovative and unconventional suggestions:• Literary love tattoos. Perhaps, you’d like Rainer...Read More
What Would You Do?
Here’s a riddle for you: Some people are reluctant to start me, unless I’m automatic. I’m frequently exhausted when I don’t roll over. I’m sometimes left behind. Retirees devour me. What am I? Answer: A retirement savings plan.New jobs...Read More
Holiday Greeting - What Do You Know About Martin Luther King, Jr.?
Most Americans know Martin Luther King, Jr. was a Baptist minister and the leader of the Civil Rights Movement in the United States until he was assassinated in 1968. Test your knowledge with this quiz about Dr. King.1. Before...Read More
LifeStyle Newsletter - Are We Ready for the Baby Boom Retirement?
Fifteen years ago, a Health Services Research report described the challenges ahead for the United States as the Baby Boom generation aged into retirement. Four issues were paramount: 1) improving payment and insurance systems for...Read More
Will Interest Rates Move Higher?
The last bear market in bonds began in the middle of the last century and lasted for about 31 years. Some investors who bought bonds in 1950 locked in relatively low rates of return for a very long time. On January 1, 1950, 10-year U.S...Read More
Holiday Greeting - 2018: A Really Big Year!
New years bring new adventures, and 2018 is no different. To paraphrase Ed Sullivan: 2018 could be a really big year. Here are a few of the events we can look forward to:• Men’s World Cup in Russia. CBS’s power rankings put Brazil at...Read More
Holiday Greeting - Finding Joy During the Holidays
“The holidays are often seen as a time of joy: ruddy cheeks, festive parties, and twinkling laughter, all wrapped in a warm, tinsel-framed glow. It’s the most wonderful time of the year! It may be the ‘season to be jolly,’ but not...Read More
Are You Ready to Retire?
There is a simple and unsettling reality in the United States. Most Americans are not financially prepared for retirement. There is a simple and unsettling reality in the United States. Most Americans are not financially prepared for...Read More
Holiday Greeting - Let’s Talk Turkey!
Thanksgiving is the mother of all family dinners. It’s a celebration of our great nation and the many blessings that occur when people unite together in the spirit of communication. As you’re gathered around the table this year, here’s...Read More
Holiday Greeting - Fight for the Brave Men and Women Who Fought for Us
All too often, we assume the men and women who fought for our country can take care of themselves. Unfortunately, that isn’t always the case. There are some important ways ordinary Americans can help those who are returning from battle...Read More
Maximizing Your Social Security Benefits
Retirement and Social Security are inextricably linked. Not only did Social Security help establish the official U.S. retirement age at 65, it also provides a significant portion of today’s retirees’ incomes. Retirement and Social...Read More
Holiday Greeting - Halloween Trivia Anyone?
Halloween is almost upon us! Whether you’re wearing a costume, decorating your yard/house, or handing out treats, you won’t be alone. More than 179 million Americans are expected to participate in 2017’s Halloween festivities – and...Read More
LifeStyle Newsletter - A Sturdy Case Isn’t All You Need to Protect Your Smartphone
Smartphones are incredibly handy. That may be why about three of every four Americans own them.1 On average, smartphone users spend almost three hours a day – 86 hours every month – using their phones. They send texts and email,...Read More
College is Coming – Have You Started Saving Yet?
How times change! In 1940, half of Americans finished their education in eighth grade. College degrees were relatively rare. Just 6 percent of men and 4 percent of women had one.1During the past 80 years, college has become far more...Read More
Holiday Greeting - Happy Labor Day!
Labor Day is about a lot more than the end of summer and the start of a new school year. The holiday, which celebrates American workers, became a federal holiday in 1894 and was created to recognize the contributions and achievements...Read More
After the Diagnosis: Making a Plan for Alzheimer’s
In a 2002 interview with Mike Wallace, former First Lady Nancy Reagan said she often reread the love letters written by her husband, former President Ronald Reagan. The letters, which had sustained and enriched their relationship,...Read More
Beware of Spam!
While some may be concerned about the iconic American meat that arrives in a rectangular 12-ounce tin (and is inexplicably popular in certain island states and American territories), more should be wary of its namesake – the spam that...Read More
LifeStyle Newsletter - Artificial Intelligence Deserves Some Thought
The idea of Artificial Intelligence (AI) may bring to mind movies like Terminator, Wall-E, and Transcendence, but the reality of AI is expected to help people find answers to some significant issues. For example, a PwC survey found:1 •...Read More
Holiday Greeting - Happy Birthday, United States of America!
On July 4, 1776, the American colonies claimed independence from Britain. This declaration eventually led to the formation of the United States. As we celebrate the birth of our great nation, test your knowledge with this brief quiz.1...Read More
What Comes Next? Bull, Bear, Correction?
The bull market in U.S. stocks has been charging ahead for more than eight years.1 While that’s young in people years, it’s ancient in bull market terms. Since World War II, the longest bull market in U.S. stocks lasted for almost...Read More
Holiday Greeting - Getting to Know Your Dad
You’re probably familiar with ‘20 Questions.’ It’s a classic long-distance-car-trip game that encourages creativity and deductive reasoning. On this Father’s Day, try playing a version that can help you learn a lot more about your...Read More
Supersize Me: Here’s a Way to Fatten Up Your Retirement Savings
Wouldn’t it be something if you could plump up your retirement savings as easily as you can put on a few pounds eating fast food? Here’s one way to do it: Open a health savings account (HSA). It offers a triple tax advantage and you...Read More
Holiday Greeting - What Do You Know About Memorial Day?
Memorial Day is a day of remembrance for those who have given their lives in the service of our country. See what you know about Memorial Day by answering a few questions from an AARP quiz.1 1. Memorial Day was created to honor...Read More
Holiday Greeting - The Joys and Doubts of Motherhood
Changing diapers, arranging play dates, driving car pools, calming squabbling siblings, attending musicals and sporting events, chaperoning proms, coaching teams, helping with college applications…moms have a lot of responsibilities....Read More
It's Time to Talk About Aging
We are all, inexorably, marching toward old age. By 2030, 72 million Americans will be age 65 or older.1 The good news is longevity has been improving, and people are remaining healthy and vibrant at older ages. The bad news is...Read More
LifeStyle Newsletter - Name a Device – Any Device – That You Can't Live Without
Some people may name a medical device or implant, such as a hearing aid, an artificial joint, or a pacemaker. Others may say they couldn't live without their electric bikes, GPS devices, tablets, or food processors. A surprisingly...Read More
Beware of Schemes During Tax Season
It’s tax season! Every year, around this time, the Internal Revenue Service (IRS) publishes its dirty dozen – a list of scams criminals use to try and ferret out personal information and/or steal money.1 For example, if you received an...Read More
Holiday Greeting - Everyone is Irish on St. Patrick’s Day
It has been said everyone in America is Irish on St. Patrick’s Day. Whether you have Irish ancestry or merely enjoy a good celebration, test your knowledge of the old country by taking this quiz. 1. What is Gaeltacht?1a. A region of...Read More
Medicare Premiums and Copayments
More than one-half of working Americans know little or nothing about Medicare costs.1 Not knowing can be expensive. On average, people who haven’t yet retired estimate they’ll spend approximately $50,000 on health care after retirement...Read More
Holiday Greeting - Valentine’s Day: Why Chocolates?
The celebration of Valentine’s Day is attributed to Geoffrey Chaucer who wrote a poem about love and St. Valentine in the 1300s. Although this poem did not mention chocolate, the tasty treats have since become a Valentine’s Day...Read More
Online Security: Avoiding Account Vulnerability
How many times did you login to a digital account today? It probably was more than once. Some people access digital sites via computer or tablet, but many others rely on their phones. Deloitte recently reported the essentials of life...Read More
Holiday Greeting - The Nobel Peace Prize of 1964
In 1964, Dr. Martin Luther King, Jr. received the Nobel Peace Prize. He accepted the award and took the opportunity to articulate his hope the civil rights movement would be successful, as well as his hope for all mankind:1 “…I must...Read More
LifeStyle Newsletter - Retirement Can Be a Bed of Roses…
…And, it may have some thorns. There’s something you should know about retirement. It’s not as easy as everyone makes it seem. Remember what life was like when you tied the knot? How about once you had children? Or, when you accepted a...Read More
Holiday Greeting - New Year's Day
Holiday Greeting - The Way You Eat in 2017 What can we expect in the New Year? If international food consultancy Baum + Whiteman is correct, we may find ourselves embracing new food trends including:1 • Restaurants without seats. We...Read More
Retirement IncomeHere’s a million dollar question: How will you transform your savings into income that will last throughout your retirement?1There are probably as many answers to that question as there are retirees. However, all...Read More
Holiday Greeting - Stay Safe Online While Traveling and Shopping
We hope your holidays will be filled with family, friends, merry-making, and good cheer. One way to ensure a happy holiday season is to stay safe online. Here are a few tips that may help. 1. When using public Wi-Fi at a hotel, coffee...Read More
Is the End of the Bond Bull Market Finally Here?
For about 35 years, investors have enjoyed a bull market in bonds. At the start of 1982, the interest rate on 10-year U.S. Treasury bonds was 14.2 percent. By November 1, 2016, interest rates had fallen to 1.8 percent.1 Since bond...Read More
Holiday Greeting - Thanksgiving is Almost Here!
Thanksgiving is America’s second favorite holiday,1 and it offers something for everyone. You can enjoy family togetherness, feasting, football, school plays, parades, gratitude, and, of course, shopping. If you’re a traditionalist,...Read More
Holiday Greeting - Why Do American Soldiers Fight?
“American soldiers in battle don’t fight for what some president says on TV. They don’t fight for Mom, apple pie, the American flag. They fight for one another. ”1 Stars and Stripes used the words of Lieutenant Colonel Harold “Hal”...Read More
The Uncovered Costs of Increased Longevity
In the 1970s, a TV episode of The Odd Couple taught viewers never to assume.1 It’s a lesson we appear to have forgotten. Many Americans assume Medicare will provide financial assistance to help with long-term care costs in retirement....Read More
Holiday Greeting - It’s Almost All Hallows’ Eve!
People of a certain age will remember ‘It’s The Great Pumpkin, Charlie Brown.’ The animated television special debuted in 1966,1 way back when there were only a few channels and you had to get out of your seat to change them from one...Read More
LifeStyle Newsletter - And, the Answer is: More than $260 Billion
That’s how much Americans had spent on pain relief medications and treatments when the Institute of Medicine (IOM) completed its report in 2011. If you factor in lost productivity, the economic cost of pain rose to more than $560...Read More
Start Talking About Retirement
If you ask people what creates stress in their lives, money is often at the top of the list. Stress in America: Paying With Our Health found money was a somewhat or a very significant source of stress in the lives of 64 percent of...Read More
Holiday Greeting - It's Almost Labor Day!
Labor Day weekend — the three days dedicated to celebrating American workers — marks the end of summer and, for some, the start of a new school year. It’s a good time to relax and ponder thoughts about work and play: “No work is...Read More
What’s New in the Longevity Market?
You may not have heard of the Longevity Market but, if you’re older than 50, you’re one of its 74.9 million members.1 It may be easiest to think of the Longevity Market as another way of describing the Baby Boom and preceding...Read More
Did You Buy Low After the Brexit Vote?
Most investors are familiar with the maxim ‘buy low and sell high.’ The unfortunate reality is that it’s a difficult principle to follow. Buying low often means investing in a company when its shares are priced below full value.Of...Read More
LifeStyle Newsletter - Working While Retired
Would you accompany a group of high school students studying photojournalism and social change in Argentina? How about a group learning about language and culinary traditions in France? Does working for a season or two in a great place...Read More
Holiday Greeting - Fourth of July Quiz
Our Founding Fathers structured American democracy and left a legacy that has greatly influenced the world. This Fourth of July, see what you know about the Founding Fathers by taking this brief quiz. 1. Who were America’s Founding...Read More
When Your Children Leave Home, Will You Save More for Retirement?
You may be asking yourself whether that’s a trick question. After all, almost one-third of 18- to 34-year-olds are still living at home with their parents. It is, in fact, the most common living arrangement for this age group and a...Read More
Holiday Greeting - Dad: Breadwinner and Caregiver
For several years, researchers at Boston College have been studying the experiences and expectations of fathers. As you might suspect, the way in which men understand the role of ‘Dad’ has been changing. While some still believe their...Read More