Medicare Reform Outlook: Uncertain

Medicare Reform Outlook: Uncertain 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…

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What Corporate Citizenship Looks Like Today

What Corporate Citizenship Looks Like Today The concept of corporate citizenship originally evolved from a responsibility to shareholders for directing the legal, ethical and economic goals of a company. Today, however, there are other factors that help shape a company’s culture and performance. Now that the unemployment rate is lower, the job market is heating…

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Prescription for Retail Therapy

Prescription for Retail Therapy How much do you use of what you buy? Research reveals that Americans throw away 30 percent to 40 percent of the food they purchase.1 That’s just food, most of which you see daily and toss out regularly as it goes bad. But what about the things that don’t go bad…

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What is a Social Entrepreneur?

What is a Social Entrepreneur? Social entrepreneurs use new approaches within the business world to help solve social problems. The term was first coined in 1980,1 but has entered the mainstream recently as the millennial generation permeates the business world. A recent survey found that around half of today’s Wharton Business School graduates who go…

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Higher Education Cost Inflation Helps Lead to Legitimizing of MOOCs

Higher Education Cost Inflation Helps Lead to Legitimizing of MOOCs 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…

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U.S. Housing Market Update

U.S. Housing Market Update The 30-year fixed mortgage rate rose from 3.5 percent to 4.25 percent after the presidential election. While higher rates might deter potential homebuyers — particularly young first-timers — residential real estate is expected to continue being a seller’s market throughout 2017.1 Meanwhile, the fate of Fannie Mae and Freddie Mac remains…

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The Science Behind Decision Making

The Science Behind Decision Making In the 1940s, 90 percent of the stock market was owned by individual household investors. Today, with the widespread use of investment banking and mutual fund investing, individuals are responsible for trading only 20 percent of U.S. corporate equity.1 Do we no longer trust ourselves with investment decisions? You might…

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Investment Trends for 2017

Investment Trends for 2017  There are plenty of changes on tap for the 2017 investment horizon, not the least of which is a new business and investment-minded president in office. In its investment outlook for 2017, J.P. Morgan reports that the slow economic growth trend of the last eight years could get a turbo charge…

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Take a Look at Life Insurance

Take a Look at Life Insurance  Middle-aged adults have a plethora of middle-aged financial priorities. It’s hard to even call them priorities because each one is important; it’s just a matter of spreading the money you have across a variety of different needs. In fact, a typical mid-life checking account might include payouts for a…

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