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Exploring Causes of the Financial Crisis

January 18, 2012

I’ve never been happy with the widely-held theories of the causes of the financial crisis. Most are too simple and use movie-type good guy-bad guy themes to explain what went wrong. That’s why I was happy to see a new book is out with a better explanation that is better documented than most others. It’s […]

Medical Costs Most Worrisome Part of Retirement

January 18, 2012

Baby Boomers looking at their retirement finances are most concerned about their ability to pay retirement medical expenses, according to a survey by the Insured Retirement Institute. Over two-thirds are concerned, and the younger the boomer the more concerned. Over 70% of those ages 50 to 54 are worried. They should be worried. The IRI […]

Americans Still Spending More, Deferring Savings

January 18, 2012

It’s no secret that during the boom years the personal savings rate of Americans gradually declined until at the peak it actually was negative by some computations. The crisis of 2008 was supposed to change that. Americans, rattled by the decline in the values of their homes and portfolios, became more frugal. They were cutting […]

Adult Children – Dealing with Boomerang Kids

January 17, 2012

More and more adult-aged children and grandchildren are moving back to their parents or grandparents’ homes. They don’t have jobs, and their job prospects aren’t good. Adults used to need help on how to deal with the empty nest. Now, they need help on the best ways to handle their adult offspring who aren’t moving […]

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The New Retirement

January 13, 2012

I’ve been saying for some time that retirement is changing. See my book, The New Rules of Retirement. One change I’ve expected is for people to work longer. Earlier and earlier retirements were a trend until the early 2000s. It makes sense for people to work longer because they’re living longer and staying healthier and […]

Seeking High Yields in Mortgage REITs?

January 10, 2012

The Federal Reserve is keeping normal interest rates near zero, so investors who need income have to look elsewhere. Many are attracted to mortgage REITs. While strategies differ, a mortgage REIT generally borrows money at low short-term interest rates and lends it long-term in mortgages that pay higher yields. Some lend the money directly or […]

Most People Too Passive with Portfolios

January 6, 2012

People adopted a number of bad investment practices in the 1990s, and they continue to follow them. One simple strategy that will boost returns is to rebalance a portfolio periodically. Sell what’s done well and buy more of what’s declined until your portfolio is back to your planned allocation. That’s a way to sell high […]

What Happens to Your Debts on Death?

January 5, 2012

There’s been a lot of attention lately to the issue of what happens to a person’s debts after he dies. It seems there are firms that specialize in collecting the debts of the deceased, often by telling survivors they need to pay and often by not being completely honest. We’ll have more detail in a […]

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