Elder caregiving – Part One

Love, respect, and devotion to one’s spouse or parent manifests itself in many ways but perhaps most meaningfully as the sense of obligation to care for that person throughout their old age. Based on the demographic trends in the U.S., an increasing number of us will be called upon to care for our elderly relatives. Those who have not yet played this role, however, could be caught unprepared for the physical, emotional and financial challenges associated with it. Read more

The illusion of average returns

In order to make smart financial decisions including how to invest and how much to spend today and save for tomorrow, investors need to develop average long-run return projections for stocks and bonds. However, the misapplication of the term “average” has caused substantial damage to the nest eggs of American workers and retirees. Read more