Don’t Leave Your Long-Term Care Plan to Chance

According to new research from Genworth, one of the nation’s leading long-term care insurance companies, Americans are both entering caregiver roles and requiring care at younger ages. Among the study’s findings:1   Nearly half of family caregivers now are men The average age of a family caregiver is 47 (down from age 53 in 2010)…

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Importance of Airline Industry Continues Ascent

After all the inconvenience it caused nationwide, it appears the main impetus for ending the federal government shutdown in January was its impact on air travel. On Jan. 25, the FAA began restricting flights into and out of New York’s LaGuardia Airport due to a shortage of air traffic controllers. Prior to this, there had…

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Annuity Strategies That Keep the Income Flowing in Retirement

More than 90 percent of American workers in their 50s don’t have a pension and 46 percent don’t participate in an IRA or 401(k) at work. A recent study found four in 10 middle-class Americans will likely live on or below the federal poverty line by age 65.1 Many experts say annuities may be appropriate…

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2019 Market Prognostications: What the Experts Say

By the end of 2018, not one of the eight asset categories tracked by Ned Davis Research was on track to post a return greater than 5 percent. Since it’s common for the market to yield at least some “winners” and “losers” among asset classes each year, this was a significant phenomenon that hasn’t occurred…

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Responsible Investing Options Keep Sprouting

Nearly $23 trillion of assets worldwide are managed using responsible investing (RI) strategies, a 25 percent increase since 2014, according to the Global Sustainable Investment Alliance. New funds focused on environmental, social and governance (ESG) issues have also doubled since 2014.1   RI used to suffer under the guise of a do-good passion project or…

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Pros and Cons of Municipal Bonds

U.S. stock markets were enjoying an eighth consecutive year of a bull market until volatility toward the end of 2018 erased all of the past year’s gains.1 In times like this, as share prices continue to bounce back and forth on a day-to-day basis, investors close to or in retirement often transition to more conservative…

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Stability Grows for Emerging Markets

Thirty years ago, developed markets were seen as much more stable than smaller, emerging countries. But as political division and uncertainty permeates the West, the differences have faded, and emerging markets (EM) have shed the high-risk perception that accompanied foreign investment. Sound government situations, conservative monetary policy and lower levels of debt were once staples…

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Decreasing Benefits Contribute to Retiree Bankruptcy

For most of the 20th century, it was common for employers and unions to sponsor health care insurance for retired workers, which helped pay for some or all of Medicare’s cost-sharing requirements and deductibles. However, this trend reversed sharply in the mid-1990s. A survey by the Society for Human Resource Management found that only 19…

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Stock Buybacks Explained

When the 2017 Tax Cuts and Jobs Act reduced the corporate tax rate from 35 percent to 21 percent, the hope was companies would spend their influx of money on expansion and increased jobs and wages. Instead, public companies’ most popular way to spend the excess capital has been to buy back their own stock.1…

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News Around the Internet

Where there is internet, is there more prosperity? Generally speaking, yes.   It costs much more to lay fiber to outlying communities than it does in larger metropolitan areas, which may contribute to the growing geographical discrepancy between income, education and even health care. Some places, like Indiana, hope to bring rural areas up to…

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