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Coping with a Labor Shortage

October 2019

The Federal Reserve’s Beige Book is an anecdotal economic report based on conversations with business contacts around the nation. In April 2019, companies in most of the Fed’s 12 districts noted a shortage of skilled workers, particularly in manufacturing and construction… Read more

Index Update: Shifting Sectors Reflect Social Change

October 2019

In September 2018, S&P Dow Jones Indices and MSCI expanded and renamed the Telecommunication Services sector — now called Communication Services — to include some companies from the Consumer Discretionary and Information Technology sectors. This move impacted about 10% of… Read more

What Medicare Won’t Cover

October 2019

Original Medicare — Part A hospital insurance and Part B medical insurance — offers broad coverage at a relatively low cost, but there are many potentially expensive health-care services that are not covered. Some may be fully or partially covered… Read more

Five Money Issues to Talk About Before the Wedding

October 2019

If you are engaged to be married, or expect to be soon, it’s important to consider how this change in the relationship (and legal status) will affect your finances. Discussing the following topics well in advance may keep surprises and… Read more

Protection to Help Your Family

October 2019

A recent survey found that 35% of U.S. households would face financial adversity within one month if a primary wage earner died. This risky situation reflects a widespread lack of protection. More than 40% of adults have no life insurance… Read more

HOT TOPIC: Could a Health Savings Account Help Strengthen Your Retirement Plan?

October 2019

By one estimate, a 65-year-old couple who retire in 2019 may need about $300,000 in savings to pay their health-care expenses in retirement. This includes premiums for Medicare Parts B and D, supplemental (Medigap) insurance, and median out-of-pocket prescription drug… Read more

Could Employee Ownership Be Part of Your Succession Plan?

September 2019

An employee stock ownership plan (ESOP) is a type of retirement plan that enables employees to have an ownership interest in the company. An ESOP may be a particularly good option for small-business owners who don’t plan to pass the… Read more

Life Insurance Strategies: Reasons Empty Nesters May Want Permanent Coverage

September 2019

Parents with young children might worry about whether they have enough life insurance to take care of their family’s financial needs if they should pass away. But as their children grow into self-supporting adults, they might start to consider whether… Read more

Risk Tolerance: Stress-Test Your Portfolio…and Yourself

September 2019

Many market shocks, such as the downturn at the end of 2018, are short-lived once investors conclude that the economy is on solid footing. Still, major market plunges such as the 2000 dot-com bust and the 2008–09 credit crisis are… Read more

Steps to Help Lower Capital Gains Taxes

September 2019

Let’s say you bought shares of stock for $50,000 20 years ago. The company did well, and the stock appreciated so that the shares are now worth $150,000. That would not be an unusual scenario; in fact, an “average” stock… Read more

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