Medicare contains many rules that beneficiaries and their caregivers are required to learn. Perhaps the best way to grasp the program’s details is to review the major components of the Medicare program: Parts A, B, C, and D. Medicare Part A: Hospital Insurance This insurance is designed to help cover the following: Inpatient care in […]
Archive for February, 2016
There are countless retirement calculators out there, and if you’ve used one or two, you might have somewhat of an idea of what you need to save for retirement in order to live comfortably. However, many calculators function very generally, and don’t take specifics into account when coming up with your final number. At rebel […]
Not that long ago, retirement meant being put out to pasture, with long days punctuated by occasional games of golf and bridge. But today, with lengthening life expectancies and dwindling pensions, many Americans are looking to retirement as an opportunity to start a new business. “We’ve never before seen so many seniors who are this […]
Americans, it seems, are spenders. Although personal savings rates have increased recently, they remain low by historical standards, as many people continue to spend beyond their means. If you’re among those Americans who can’t seem to save, it might be time to create a budget. A budget allows you to understand where the money goes […]
Financial resolutions often fall prey to the same procrastination that hinders personal aspirations. Yet current volatility in the financial markets along with other unsettling factors such as the impending presidential election and widespread geopolitical unrest may have led investors to pause, rethink their financial situations, and set new expectations for the future. Resolutions typically fall […]
The heightened volatility that has afflicted the U.S. stock market for the past several months points out the potential benefits of active portfolio management. What distinguishes an active investment style from a passive style — and what benefits may active management provide in a volatile market? Dueling Styles Because active managers may rely on market […]
There’s no question that we experience emotional pain and anxiety when our portfolios are losing money due to market downturns. Behavioral scientists tell us that we feel losses twice as keenly as positive returns. But that doesn’t tell us what we really want to know, which is: other than selling at the wrong time and […]
If you want to look like a brilliant stock market analyst, keep predicting the same thing over and over again until it finally happens. A great example of this marketing strategy is newsletter publisher Marc Faber, whose website modestly describes him as “an international investor known for his uncanny predictions of the stock market and […]
Fixed-income exchange-traded funds (ETFs) are bond index funds that are listed on a stock exchange and trade throughout the day. There are fixed-income ETFs that focus on corporate, government, municipal, international, and global debt, as well as funds that track the broader Barclays Aggregate Bond Index.1 In addition, investors may purchase bond ETFs that focus […]
Once a retirement savings plan has been approved and is in place, it’s tempting for a plan sponsor to sit back and adopt an “I’m done,” hands-off attitude. However, to ensure that a plan continues to operate effectively, employers should periodically review plan provisions and features. Here is a brief checklist of key points to […]