By Bill Cates, CSP, CPAE When you gather with friends and family over the coming days and weeks, and they say to you – for the 10th time – “What is it that you do again?” Here’s something you can say that could easily spark a further conversation – either then…
The Centers for Medicare and Medicaid Services proposed creating standardized health insurance plan options for the federally run marketplace, allowing states to use the HealthCare.gov sign-up system and counting some out-of-network charges toward out-of-pocket maximums. The proposal also encourages states to set network-adequacy rules or adopt a federal adequacy rule….
About one-third of investors believe there is little difference in risk among investments, and almost half have bought a mutual fund based the preceding year’s performance instead of a longer time period, a survey by TIAA-CREF says. PlanAdviser.com (11/23)
A deferred-income annuity, preferably as a qualified longevity annuity contract in an individual retirement account, is a good way to protect against longevity risk without jeopardizing a potential inheritance, writes Michael Finke, a professor at Texas Tech University. Advisor Perspectives (11/24)
If the owner of an annuity that has appreciated in value wants to purchase a hybrid long-term contract, a Section 1035 tax-free exchange can be used to facilitate the purchase. ThinkAdvisor (11/23)
Companies can benefit from improving the self-awareness, social awareness and communication skills of their employees, writes Shelley Row. But they too often don’t because such abilities are considered “soft” and aren’t acquired without effort. “‘Soft’ skills can’t be learned in a once-a-year breakout session. They deserve attention, investment, energy, and…
Fifty-three percent of Americans describe the health care system as being of good or excellent quality, a Gallup poll says. The result is consistent with findings from recent years, but a drop compared with 2008 to 2012. A third said the extent of coverage offered is good or excellent, compared…
By law, Medicare premiums cannot rise faster than Social Security payments. So most people will pay the same amount in 2016. However, Emily Brandon notes some exceptions, such as retirees not yet receiving Social Security benefits. U.S. News & World Report (11/20)
Inflation measures have either been flat or trended downward recently, but advisers and investors shouldn’t assume it’s a nonissue for long-term portfolio performance, Rusty Vanneman writes. InvestmentNews (11/20)
Maintaining quality of life is the top reason cited by members of Generation X and baby boom for why they’re not saving more for retirement, a Charles Schwab survey says. PlanAdviser.com (11/20)
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