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How Losing Sleep Could Translate to a Loss of Money

Some teenagers seem to sleep a lot. As parents and grandparents, we can find this rather aggravating. But the fact is, as we get older, our sleep patterns may change, and our sleep can be less restful.1 Perhaps it’s a good idea to let young people sleep in peace while they still can. Scientists say…

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Financial Planning to Care for the Caregivers

If you picture yourself receiving long-term care at some point, you likely envision a medical professional sitting bedside, tending to your needs. However, the bulk of long-term care in the U.S. is actually provided by family caregivers.1 According to a recent Merrill Lynch study, 20 million Americans become caregivers each year. Moreover, family caregivers collectively…

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The Impact of Income Inequality

As it turns out, income inequality can be an issue for all society, not just the poor. A new study of high-earning clients of a bank’s wealth management unit tracked the fortunes of male and female young adults to learn how income inequity would impact their lives. The assumptions had both genders starting out in…

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Exclusive vs. Inclusive Investing

There are many different approaches to investing in the stock market, but most fall under two categories: exclusive and inclusive. Exclusive means conducting thorough research on prospective companies and investing in a portfolio of select, thoroughly vetted securities. One of the advantages of this approach is that if an investor’s research pans out, he could…

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The Case for a Rising Equity Glide Path During Retirement

Financial advisors often recommended that retiring investors transition growth assets to more conservative options. This is due to a concept called “sequence of returns.” If the financial markets decline at the beginning of retirement, an investment portfolio could be reduced to the point in which retirement income is greatly affected. To help avoid this negative…

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Investors in an Aging Bull Market

Many investors who have participated in the eight-year bull market have done well. But those approaching retirement may wonder if it’s time to transition assets to more conservative holdings. Here are factors to consider before making a decision about changing your portfolio: The U.S. economy and markets are still in good shape. U.S. stock valuations…

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New Year’s Resolutions

This is the time we start thinking about setting New Year’s resolutions for the coming year. However, consider for a moment that this tradition may be a bit shortsighted. Did you know that J.K. Rowling created a detailed outline of all seven Harry Potter books before she began writing? And George Lucas envisioned at least…

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Investing for the Long Term

What does the phrase “long term” mean to you? For children, long term can mean waiting for Christmas or summer vacation that feels like a million years away. For young adults, long term may reference how long it takes to pay off student loans. As we get older, we begin to understand that long term…

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Don’t Forget to Leave Time for Leisure

Sometimes it seems like there aren’t enough hours in the day. We make lists and check off the activities we manage to complete — because that makes us feel productive. We might even put fun things on that list — like yoga class, reading for an hour or calling a friend — in case we…

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