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The U.S. has an atrocious national retirement policy. Social Security is expensive and redistributes income. It also isn’t properly funded. The private savings system works for only a few people. There are examples of good national retirement policies. This article describes Australia’s, but there also are good models in Chile and Denmark. It’s too late […]
Congress recently passed, and the President said he will sign, a new law containing what’ known as “the doc fix.” Some years ago Congress decided to save money on Medicare and Medicaid by setting up a schedule that reduced the amounts that would be paid to doctors. The reimbursement schedule was unrealistically low, often paying […]
Medicare started releasing detailed data fairly recently, and some outsiders have been studying the data closely for anomalies, overcharging, and other problems. Leading the way has been The Wall Street Journal with a series of articles pointing to problems and inconsistencies. The latest study (subscription might be required) shows how Medicare might be overpaying some […]
Oil prices declined a lot in 2014. That caused a lot of people to liquidate oil investments. It also caused some other people to wonder when would be a good time to buy some energy assets cheaply, anticipating a rebound in prices. Don’t waste your time trying to identify “the bottom.” You’ll know it only […]
What you don’t know about retirement can hurt you. In fact, just a few wrong decisions in your investments, taxes, or estate planning could completely derail your retirement plans. Worse yet, the rules of the game keep changing, making it harder to keep up. For these reasons, I’ve assembled all the key points – everything you need to know — into one comprehensive report. Click here today for free access.
A major debate among stock analysts these days is the level of future returns that is reasonable to expect. Some argue that despite high valuations and profit margins today other factors will allow stocks to appreciate near historic average levels for the coming 10 years or so. Others argue that future returns have been pulled […]
Most people in retirement planning learn that age 70 1/2 is important. Here’ an article arguing that the year before is more of a benchmark. You have to start planning for the following years’ RMD, and it also means you’re approaching other key IRA milestones. Age 69 1/2 is a big deal, a major year […]
In the 1980s and 1990s, managers of stock mutual funds ruled the investment world and received a lot of attention from the media. Star fund managers were almost household names. That’s not the case now. According to this article, the top stock pickers are unknowns who receive no attention despite great records. The changing fortunes […]
Target date funds are becoming more popular, especially in 401(k) plans. These are funds that change their asset allocation over time based on the assumed age of the shareholders. For example a target date 2020 fund is supposed to be owned by someone who plans to retire in 2020. But these are a new part […]
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