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Men, Women, and Investment Partnership

June 2016

Many studies have shown that men and women tend to have different approaches to investing. In general, men are more aggressive in their investment strategies, whereas women tend to be more conservative.1 The difference is probably not surprising, but the practical results of these different approaches may not be what you expect. Research dating back… Read more

Life Policies Plus Long-Term-Care Benefits

June 2016

It may be hard to fathom, but the median annual cost of a private room in a nursing home has surpassed $90,000, and the median cost of a home health aide is already more than $45,000 a year.1 If you expect to pay for long-term care out of pocket, it might be wise to consider… Read more

Using Data to Drive Critical Decisions

June 2016

Many large corporations use high-cost computer power and technological expertise to capture and analyze data as they look for ways to improve business efficiency and customer interaction. Recently, a new crop of user-friendly technology tools has made it possible for small businesses with limited budgets to do the same. Owners may appreciate applications that take… Read more

Investors Are Human, Too

June 2016

In 1981, the Nobel Prize–winning economist Robert Shiller published a groundbreaking study that contradicted a prevailing theory that markets are always efficient. If they were, stock prices would generally mirror the growth in earnings and dividends. Shiller’s research showed that stock prices fluctuate more often than changes in companies’ intrinsic valuations (such as dividend yield)… Read more

Working for Yourself — and Your Future

June 2016

Self-employment can be rewarding personally and financially, but it comes with some tough challenges: long hours, an uncertain income, and a lack of structured benefits such as health insurance and retirement plans. In a recent survey, 61% of self-employed individuals said they were anxious about saving enough for retirement, 59% were not making regular contributions… Read more

Is 70 the New 65? Why Americans Are Working Longer

June 2016

Age 65 has long been considered the traditional retirement age, and not coincidentally is also the age of Medicare eligibility. According to recent statistics, the percentage of Americans 65 and older who are still in the labor force has risen to nearly 20%, the highest level since before Medicare was established in 1965.1 More than… Read more

Don’t Miss These Key Tax Deductions

May 2016

One in three small businesses devote more than 80 hours each year — two full work weeks — to handling federal taxes.1 Because of the complexity of the tax code, it typically benefits small-business owners to take full advantage of every legal tax break they can find. The following deductible business costs could help reduce… Read more

Evaluating a Pension Plan Offer

May 2016

A popular corporate strategy known as “de-risking” involves buying out employee pensions. By shrinking the size of a pension plan, the company can reduce the associated risks and costs and limit the impact of future retirement obligations on current financial performance. About half of workers with pensions can now choose to take their money in… Read more

TIPS for Inflation Protection

May 2016

Inflation was very low in 2014 and 2015, with annual rates of just 0.8% and 0.2%, respectively, as measured by changes in the consumer price index (CPI).1 The Federal Reserve’s decision to begin raising interest rates reflects a belief that inflation will return to its more normal “run rate” of about 2% annually.2 That rate… Read more

Expressing Your Wishes in Advance

May 2016

It’s not pleasant to think about the possibility of being unable to make your own medical or financial decisions. That may explain why many people don’t take the time to draw up appropriate documents expressing their wishes. Regardless of your age or health, it’s better to prepare now — and hope you never need advance… Read more

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