Investment Return and Rate of Return: What’s the difference?

Every investor wants to earn money on their investments. FINRA explains:“Investment return is the money you make or lose on an investment. Ideally, your return will be positive: your initial investment or principal will remain intact, and you’ll end up with more money than you invested.”“Total return is a measure of your profit or capital…

How long will this bull market in stocks last?

The “bull market for stocks is 94 months old, making it the second-longest in modern history” according to Jason Zweig, writing in The Wall Street Journal, Jan. 21, 2017. In his weekly “Intelligent Investor” column Zweig explains the results of recent research showing that investors are affected by the optimism of other investors, often resulting…

Financial planning for special needs children

“Parents face many challenges when they must balance long-term planning for a special-needs child with their own retirement savings, experts say. Certified financial planner Mary Anne Ehlert says crucial factors for special-needs families include investment allocations, government benefits and estate plans.” (Retirement Security Smartbrief). Morningstar contributor Mark Miller explains government assistance available to special-needs family…

Medical Bills Are the Biggest Cause of US Bankruptcies

With Republicans vowing to repeal (and replace?) the Affordable Care Act, the headline that “Medical Bills Are the Biggest Cause of US Bankruptcies” was no surprise to this researcher who devoted many years to the study of consumer bankruptcy.  Dan Mangan wrote in 2013: “Bankruptcies resulting from unpaid medical bills will affect nearly 2 million…

Long Term Care: Rely on Saving Rather Than Insurance

Teresa Miller, the Pennsylvania insurance commissioner, and the head of the Long Term Care Innovation Subgroup says Americans must save more for potential long-term care costs and rely less on insurance. (See related posts about problems with the LTC insurance industry.) More savings may be the best option for the well-off but most Americans suffer from far…