Your Money Persona

We are all unique individuals with distinct personalities, likes and dislikes as well as different ways of talking, thinking, solving problems and interacting. We have exclusive modes of expressing ourselves through dress, grooming and our own catchphrases. And, we each have our own way of thinking about money. Some of us are frugal, some are…

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Caregiving: What’s Your Strategy?

There’s an adage often found on decorative signs and other accessories that reads, “Be nice to your kids; they will choose your nursing home.” The saying rather drives home the best and the worst aspects about planning for old age. Many retirees will tell you that their most fervent wish is to have a good…

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Your Money

The federal minimum wage is set at $7.25 an hour, a rate that has not increased in more than 10 years, not even to keep pace with the cost of living. Even so, the national average minimum wage is $11.80, but only because some states have increased their minimum floor.1 In 2020, another 24 states…

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Chipping Away at Health Care Problems

The Supreme Court recently said it wouldn’t fast-track a hearing to discuss the end of the Patient Protection and Affordable Care Act (aka “Obamacare”), which means it’s unlikely a ruling will come before the 2020 election.1 Instead, Congress is engaged in a slow-moving discussion of health care issues with varying degrees of potential impact. In…

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Boomerangers: When the Chickadees Return Home To Roost

That first summer after they graduate from college. When they get laid off. After a divorce. There are plenty of times in life when adult children, albeit reluctantly, move back in with their parents until they can get on stronger financial footing. Unfortunately, this has a way of happening right about the time when parents…

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Baby Boomers Staying Home for Retirement

In 1989, Harvard economists published a study concluding that as baby boomers aged out of the residential real estate market, there would be a glut of empty homes and prices would plummet.1 That clearly hasn’t happened yet, for a variety of reasons. Economists didn’t account for boomers’ life expectancy extending so much longer. People are…

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Travel in 2020

A recent study revealed that young adults are more interested in spending money on experiences rather than material goods. In the study, 43 percent of respondents reported compromising on their daily expenses to save money for travel. One of the positive effects of globalization is young people have greater exposure to different cultures in different…

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Health and food trends to watch in the new decade

A recent study concluded that half of the U.S. population will be clinically obese within the next 10 years. This isn’t just a weight issue, it’s a financial one. Obesity is a major factor for developing conditions like heart disease, diabetes, joint disorders and even certain types of cancer.1 So if you think health care…

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Work World: Late Career Management

The number of workers older than 64 has increased threefold since 1989.1 And while working longer may be a marker of good health for some, it’s a necessity for others who need the income. As a result, we may need to rethink our idea of what retirement looks like in the 21st century. Consider that…

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Finding Solutions to America’s Energy Challenges

The United States is the second-largest energy consumer on the planet. Over the past dozen years, domestic production of oil and natural gas has grown thanks in part to the innovation of shale extraction. The surge in energy production has been further advanced by lower costs of renewable sources, such as wind and solar power.…

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