We have been hearing that the leading LTC (long term care) insurers have all filed or will soon be filing for sex distinct rates. Up until now, there has been no distinction in the pricing of contracts between male and female. Some companies offered discounts when husband and wife both bought a policy which was …
Tag: gainesville florida
Medical Malpractice Insurance in 2013
Medical malpractice insurance is not a topic that comes readily to mind when you are having a casual conversation with someone. It’s out there in never-never land unless you are a physician, in which case it has more than a little relevance. Twenty years ago, it made the news almost weekly, when there was a …
Transatlantic Pact Promises Bigger Prize
My Thoughts on This: As an investment advisor with clients who depend on my judgment about where to put their money, I tend to follow economics and global politics with a profesional interest. This article comes from Great Britain. There are almost always pros and cons to consider when playing the financial odds about the …
Intervention: the US Won’t, Europe Can’t
My Comments: Most of you know that I am a center left Democrat. And I want the Republican Party to become relevant in American politics. That’s what going to keep the Democrats from moving too far to the left. Which is where they will go if there isn’t a legitimate, electable force coming from the …
Coalition Fights Florida Retirement System Changes
By Paula Aven Gladych A bill scheduled for consideration today in the Government Operations Subcommittee of the Florida House of Representatives would weaken a healthy retirement system, raise taxpayer costs and force more Floridians to rely on social services, according to opponents of the measure. The bill would close the Florida Retirement System defined benefit …
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Hedging Against Retirees’ Big Fears
My Comments: This is a long post so beware. But it serves to express clearly three topics that I encounter almost every time I have a heart to heart talk with a retired, or soon to be retired client. It’s not intended to increase your fears, but rather put what fears there are in perspective …
New Survey Validates That US Physicians are Ailing
My Comments: Some of you are aware of my efforts to bring a new idea about medical malpractice insurance to those physicians who own their own practice. Essentially, its a financial strategy that causes 50% of the premiums to return when there are few or no claims made in any given year. Clearly, not all …
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The Robot-v-Worker Debate on Job Losses/Gains
My Comment: This is sort of a follow up to the blog post yesterday where the topic was how advances in technology tended to kill the opportunity for job increases. It’s clear that there is no definitive answer. Trying to stop the advance of technology is not unlike good king whomever who is remembered for …
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Recession, Tech Kill Middle-class Jobs
My Comments: There is usually a disconnect between how the economy is perceived and how well the investment world is doing. There are three reasons why stock prices increase: earnings, earnings, earnings. If those are doing OK, then the price is going to increase since more people are buying stocks than are selling. Globalization, an …
2012 Bulwer-Lytton Contest Winners!
Several years ago a college friend who lives in New Jersey but whom I have not seen in 50 years introduced me to Bulwer-Lytton Fiction Contest. Most of us are familiar with the the phrase “It was a dark and stormy night...”. What we aren’t familiar with is the rest of the sentence penned by …
Helping Define Your Financial Future 