Simplify Your Life

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Life has its highs and lows. Sometimes when we go for a long stretch — everybody in the family is healthy, finances are on track, you’re enjoying yourself — we get that nagging feeling that our good fortune just can’t last. Often, that’s true. There’s inevitably a repair needed on your car, an appliance breaks…

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Will Bank Changes Lead to Withdrawal From Human Interaction?

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The investment banking struggles that contributed to the 2008 recession prompted stronger regulations for the finance industry. Unfortunately, some of the rules created to keep the larger banks in check also impacted smaller community banks, which have suffered as a result.1 However, the Trump administration’s goal to cut regulations by 70 percent to 80 percent…

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How Government Regulations May Impact the “Average Joe”

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We tend to take government regulations for granted. They can be annoying, like having to sign the HIPAA privacy notice before a doctor’s visit, or time consuming, like the yearly requirement of filing a tax return. But as the new presidential administration begins rolling back financial regulations, some people may wonder how they might be…

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Will We Ever Close the Gender Gap?

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Every year, the World Economic Forum updates its Global Gender Gap Report, which measures gender disparity across 144 countries and tracks this progress over time. The report pays special attention to the gaps between women and men with regard to health, education, economy and politics.1 Although the corporate “glass ceiling” has been broken by a…

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Work Less, Spend Less: How Retiring Boomers may Impact the Economy

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The economy has grown, in large part, because consumers are spending more money. It remains to be seen whether that trend will continue as more of the massive baby boomer generation approaches retirement. Even before people retire, many tend to slow down their spending habits. Part of this is lifestyle driven; by age 50, most…

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A 100-Year Lifespan: Ways to Help Increase Enjoyment

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The average life expectancy of a baby born in the U.S. today is 80 years. However, this prediction assumes prevailing patterns of mortality at the time of birth stay the same throughout a person’s life.1 In reality, patterns of mortality improve over time thanks to discoveries and innovations in nutrition and medical science. If you…

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The Power of Mindfulness

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It seems everywhere you turn these days, from news shows to news articles to local advertisements, there’s this idea of promoting “mindfulness” in our day-to-day lives. Mindfulness is generally accepted as focusing one’s mental state on the present moment, being completely aware of all elements around us. Some financial professionals have expanded this idea of…

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Health Tips from Around the World

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These days, it’s difficult to tell if America is still the greatest country in the world or one that has slipped from its pedestal. Perhaps it depends upon the measuring criteria. It is widely documented that the U.S. spends more on health care than any other country, with a total bill of $3.2 trillion last…

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Medicare Reform Outlook: Uncertain

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With a new administration in the nation’s highest office, there is growing debate about Medicare reform. The federal program, which helps provide health insurance to those over 65 and certain younger people with disabilities, is partially funded by participant premiums and a 1.45 percent payroll tax, matched by employers. Yet, it routinely exceeds its funding…

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Higher Education Cost Inflation Helps Lead to Legitimizing of MOOCs

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Almost 40 percent of high school graduates accepted for college admission ultimately do not attend the following year. The reason? College is expensive: The average college graduate emerged with about $30,000 in student loans in 2015.1 So you’ve got to wonder, is it worth it to graduate with that much debt, especially these days when…

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