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Archive for June 2018

Strategies for Optimal Social Security Payouts

Social Security benefits are typically synonymous with retirement income. It would be inefficient to create a retirement plan without first estimating how much you will receive from the government.1 According to a 2018 report, Social Security benefits represent approximately:2   33% of elderly income 50% or more of income for about half of elderly married…

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The Physical Fitness Issue

Nutrition and Aging   Our bodies change as we age, so our personal health habits must change, too. Our physical condition can be influenced by factors including illness, genetic traits and socioeconomic factors, among others. For example:1   We may lose some of our sensory sharpness in vision, hearing, smell and taste. As our metabolism…

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Pros and Cons: Fewer Regulations in the U.S.

One of the current administration’s persistent themes has been deregulation — cutting through the red tape in the rules of doing business. In one instance, Donald Trump was filmed standing beside mounds of paperwork to symbolize the amount of regulation the government has implemented since 1960.1   Perhaps the same can be said for the…

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The Future of Health Care Issue

The Future of the Affordable Care Act   While Congress ruled against overturning the Patient Protection and Affordable Care Act (ACA) in 2017, the future of the law and its policies is still uncertain.   Recently, the Centers for Medicare and Medicaid Services (CMS) made a final ruling that gives states more control over individual…

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Handling Market Corrections Correctly

Today’s political environment and recent volatility in the U.S. stock markets, particularly February’s correction, caused concern for some investors.   If you’ve met with a financial advisor who designed a strategy to fit your individual financial goals, timeline and tolerance for risk, it’s generally recommended you stay the course.1 But that doesn’t mean to hold…

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The Smart Consumers Issue

Balance Your Budget and Buying Habits   Living without a budget is similar to taking a long trip without a road map or GPS. Is it possible? Sure. Is it the most expedient way to reach your destination? Probably not.   One could argue you might enjoy the journey more if you don’t pre-ordain all…

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The Income Gap and the Economy

The income gap between the wealthy and the poor is widening in the U.S.1 Why does that matter? Because there are studies that indicate a wide swathe of income differentiation is not good for economic growth.   In the years following the Great Recession, we often heard how slowly the economy was recovering. That was…

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The Food Issue

Are You a Foodie?   Who can forget the scene in the beloved film “When Harry Met Sally” when Meg Ryan’s character provided an elaborate description of how she wanted her food served:   Sally: “I’d like the pie heated, and I don’t want the ice cream on top. I want it on the side,…

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