Savings

Portfolio Strategy

Portfolio Strategy We just completed a series of Investment Committee (IM) meetings to review our portfolio strategy.  We started with a view of the world’s investable capital and how it is distributed.  The purpose of this exercise is to become more informed on the changes to the relative size of the various markets and to...
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The Government Giveth and Taketh Away

The Government Giveth and Taketh Away The GOOD news is that Social Security recipients will be getting a Cost of Living Adjustment beginning in January, 2012.  The raise is expected to be about 3.6% which is a pretty sizeable increase.  This is great news since there have been no COLA adjustments for Social Security for...
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The Real Problem with the Market – Lack of Growth and Leadership

“You will never be a leader unless you first learn to follow and be led” Tiorio Recent market volatility is being attributed to many things.  Some true and others are pure speculation. The problem is not the problem, the problem is that our politicians don’t know how to think about the problem.  So here is...
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S&P’s Downgrade of Long Term U.S. Debt

The Standard and Poor’s (S&P) downgrade of long-term U.S. debt from AAA to AA+ is sad, but it is not news.  Everyone already knew we were in trouble and to act surprised is unjustified. Now we and our politicians can no longer deny it.  It’s official, which may be good for us long-term.  While the...
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A Goal in Search of Leadership

Our elected leaders in Washington, D.C. are playing a dangerous game of chicken. They are making everyone nervous about the deadline (August 2, 2011) for extending the debt ceiling. While every expert on the subject, including Congress, knows that the only solution is to raise the debt ceiling, they are using this to score points...
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How to Solve the Deficit Problem in the U.S.

I’ve been giving a lot of thought lately about the issues facing our country, particularly the financial dimension of government.  Following the release of the Republican budget proposal authored by Rep. Paul Ryan, President Obama’s subsequent response and the recent downgrading by Standard & Poor’s of our country’s economic prospects, I thought I would share...
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Important Figures for 2011

An integral part of our planning for clients we keep a close watch for new thresholds that affect pension plan contributions, Social Security taxation and Medicare premiums. Listed below are the figures for 2011 which show that there have been no changes in retirement plan contribution limits for the 2011 tax year. 2011 Pension Plan...
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IRS Raises Deductibility Limits for Long Term Care Insurance

Even though there is no COLA for Social Security benefits in 2011, the IRS has raised the deductibility limits for long term care policies purchased in 2011. The premiums you pay for your long term care insurance are deductible as itemized medical expenses (subject to the 7.5% AGI threshold) based on your age at the...
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A Trillion Here, A Trillion There

It’s unavoidable! Day in and day out since the financial crisis in 2008 and 2009 we have been hearing and reading about the budget deficit, stimulus packages and repeated extensions of unemployment insurance. These programs are no longer expressed in millions or billions of dollars. In fact, they seem to have skipped the billion-dollar mark...
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