The Pew Research Center just released an interesting report on the state of the American middle-class. In 2016 (the latest data available) about 52% of American adults lived in middle-class households. This represents a turnaround in this important demographic group. Previously its size had been steadily declining since 1971 when it was over 60%. If…
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The debate between actively and passively managed equity mutual funds has raged for decades. My position is that the only way that actively managed stock funds can outperform is either by fund managers picking winning stocks in advance or by timing market ups and downs, which requires the consistent ability to successfully predict the future.…
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Social Security is one of the few retirement pensions whose annual payments increase over time based on actual inflation. Few other private or public pensions provide this valuable benefit. Neither do annuities. Unfortunately, the cost of goods and services that seniors predominantly face has collectively risen faster than the broader Consumer Price Index for Urban…
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You’re probably at least somewhat familiar with the Consumer Price Index (CPI), the Bureau of Labor Statistics (BLS) measure of inflation. Considering that this metric is the fundamental driver of government programs ranging from the setting of short-term interest rates to Social Security’s cost of living increases, its importance in our lives cannot be overstated.…
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Most parents want their children to achieve at least a four-year bachelor’s degree from college. Partly it’s emotional: “My kid graduated from Stanford. What about yours?” But the bigger driver is more commonly the fear that without a college degree, their son or daughter will simply be unable to compete for the higher-paying jobs of…
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You may have heard through the financial media that the U.S. Treasury yield curve has been flattening, portending a possible recession in the near-term. As of this writing the yield curve is at its flattest point since 2007. Exactly what is the yield curve, and is it truly a good indicator of a future economic…
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