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The Cost of Family Caregiving

May 2020

There are around 41 million family caregivers in the United States providing an estimated 34 billion hours of care to adults with limitations in daily activities. The estimated annual value of this unpaid work is $470 billion, more than all… Read more

Social Security May Offer a Lifetime of Protection

May 2020

Social Security is much more than a retirement program. Most Americans are protected by the Old-Age, Survivors, and Disability Insurance (OASDI) program — the official name of Social Security — from birth through old age. Here are four times in… Read more

Keeping Cool: Investment Strategy vs. Reaction

May 2020

After losing ground in 2018, U.S. stocks had a banner year in 2019, with the S&P 500 gaining almost 29% — the highest annual increase since 2013.1 It’s too early to know how 2020 will turn out, but you can… Read more

HOT TOPIC: Too Much Oil with Nowhere to Go

May 2020

On April 20, 2020, the price of a futures contract for West Texas Intermediate crude — the benchmark for U.S. oil prices — fell below zero for the first time in history, dropping more than 306% in trading on the… Read more

Don’t Let a Disaster Keep the Lights Off Forever

April 2020

In the fall of 2019, wildfires fueled by high winds erupted in parts of Northern and Southern California, threatening structures in multiple communities. Wildfires have long been a concern in this sunny and dry state, but in a recent twist,… Read more

Living Benefits Can Help Counter Retirement Risks

April 2020

An annuity is an insurance contract that offers an income stream in return for one or more premium payments. Income payments continue for the duration of the contract, which may be for life or a specific number of years. A… Read more

Early Retirement and Your Tax-Deferred Savings

April 2020

Saying goodbye to the working world might be a dream come true, particularly for hardcore savers inspired by the high-profile movement dubbed FIRE (Financial Independence Retire Early). Unfortunately, many others are forced to leave the workforce abruptly or must tap… Read more

Looking for Value with P/E Ratios

April 2020

Many factors might go into evaluating a stock, but the price/earnings (P/E) ratio offers a helpful starting point. The P/E ratio is calculated by dividing a stock’s current price per share by the company’s earnings per share over a 12-month… Read more

Setting a Retirement Savings Goal

April 2020

It’s difficult to reach a destination unless you know where you’re heading. Yet only 42% of workers or their spouses have tried to estimate the savings they would need to live comfortably in retirement.1 To get started on establishing a… Read more

HOT TOPIC: Government Acts to Blunt Financial Impact of Global Pandemic

April 2020

On March 11, the novel coronavirus (COVID-19) was officially declared a global pandemic by the World Health Organization, and two days later President Trump declared a national emergency.1 The unknowns surrounding a new virus make it difficult to predict the… Read more

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