What’s to come with Obamacare
"The Obama administration is still taking a political beating for its one-year delay of one major part of health reform – the requirement that all employers with more than 50 full-time workers provide health insurance for them."
The 10 Commandments of annuity buying
(The Wall Street Journal)
"These are what I consider to be the 10 most important rules when considering the purchase of an annuity, the 10 Commandments of annuity buying, if you will. "
Private long-term care insurance: tiny vessel on a turbulent sea
"Given this risk, you might expect sales of private long-term care insurance (LTCI) to be strong. But they’re not."
4% retirement rule is it still applicable?
"Here’s the problem: this rule was created when portfolios were earning 8%, in today’s market, portfolios earn half that-- around 3.5% to 4%."
When to convert your savings into an annuity
(U.S. News & World Report)
"The stock market remains the most attractive place for investors over the long term – beating out bonds and other low-risk investments. However, to earn those higher returns, investors face more volatility."
Do you really need a financial adviser?
(The Wall Street Journal)
"While it's often helpful to have a financial adviser to bounce ideas off of or to ask about complicated investment strategies, should you pay for that advice?"
Could employers use immigrants to avoid the health mandate?
(New York Times)
"In a bid to win conservatives over to the cause of immigration reform, the authors of the Senate bill included a provision that would deny health benefits to illegal immigrants seeking to become legal. Now there is an argument making the rounds that this provision will encourage companies to replace American workers with those newly legalized immigrants."
Advisors using social media targeted by FINRA
"Reps may want to re-visit the manner in which they tweet, post status updates and launch blog rants, as financial advisor use of social media garners ever increasing regulatory scrutiny."
Estate planning guide for a special needs child
(The Fiscal Times)
"If someone with special needs depends on you for financial resources, your estate plan should address how that support will continue when you're no longer around."
How boomers can plan for their health-care costs in retirement
"It’s impossible to predict just how much health-care will cost as we age, but there are steps we can take to reduce our risks and protect our savings."
Is the end near for long-term care insurance?
"Though clients and advisors alike may be worried that this is the end for LTC insurance, it’s really an opportunity."