3 Ways Bad Health Can Ruin Your Retirement

My Comments: The cost of health care in retirement can be dramatic. Things tend to go wrong as we age, and to the extent you want to maintain your lifestyle after retirement, we’re often faced with unpleasant choices. This is not intended to frighten you. If you’re as old as I am, you have long …

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Understanding Social Security Survivors Benefits

Today is Tuesday, which is when I typically post something about Social Security. Of all the sources of income you are likely to enjoy in retirement, Social Security is hands down the most valuable income source to millions of Americans in the years to come. For those of us married participants, survivor benefits provide enormous …

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World Economy is Sleepwalking Into a New Financial Crisis.

My Comments: Roughly 30 years ago we were in a recovery phase following the great market crash in 1987. The next decade saw the run up to 2000, which saw massive amounts of money spent on computers and technology. By the turn of the millennium, we had the dot.com bubble, where all that money spent …

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Income Allocation vs Asset Allocation

Asset Allocation appeared as concept in the world of investment management in 1986. Three people, Gary P. Brinson, L. Randolph Hood, and Gilbert L. Beebower published groundbreaking research that demonstrated an arguably better way to manage money. Here’s the gist of what they said: “…by replacing active choices with simple asset classes worked just as …

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Medicare for All Would Have Huge Benefits

My Comments: What follows is a profound commentary on the current state of health care in the US by Dr. Charles Hobson, a health care provider here in Gainesville. Additionally, my post dated last July 5, 2019 will add some insights into how we got to where we are today. I find it ironic that …

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Running With Scissors

  The Trumponomics Experiment is Failing Before Our Eyes My Comments: I try to think outside the box, but from time to time, the box is too strong. So it is with expecting whatever business skills Trump brought to the table when he became our President would provide a breath of fresh air. Economic rules, …

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Many Americans Are Not Rushing to Retire, and It’s Clear Why

My Comments: From 1963, when I graduated from college, until I reached my 60’s, the prevailing assumption was that retirement started when you were 65. It was almost hard wired into how we approached this last phase of our lives, largely because for whatever reason, when Social Security began in the 1930's, that's when you …

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