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Social Security 2100- a bill to ensure the viability of Social Security for the next 75 years

Social Security 2100 Act Congress needs to act to ensure the future of Social Security. The 2018 Social Security Trustees report projects that beneficiaries will see a 21 percent cut in benefits by 2034 unless Congress takes action to prevent the funding shortfall. The Congressional Budget Office’s estimate is more dire, setting the year at…

Help for the disabled: Household Acccomodations Guide

People with disabilities face financial challenges as they fight workplace discrimination and encounter the higher cost of living in order to accommodate their needs.  Thanks to Denise for sending this helpful link to a comprehensive guide to home adaptations for disabled people. It can be found at: https://householdquotes.co.uk/disability-accommodation-guide/ Source: Financial Planning for Women

What’s the worst thing we do to the earth and how can we atone for our impact?

Why discuss climate change in a personal finance and investing blog?Because climate disruption is affecting our lives and our finances and imposing massive costs on future generations.So… what’s the worst thing that middle class Americans do? We fly on airplanes. Flying has a large carbon footprint. Besides flying less, we can buy carbon offsets for…

What’s the worst thing we do to the earth and how can we atone for our impact?

Why discuss climate change in a personal finance and investing blog?Because climate disruption is affecting our lives and our finances and imposing massive costs on future generations.So… what’s the worst thing that middle class Americans do? We fly on airplanes. Flying has a large carbon footprint. Besides flying less, we can buy carbon offsets for…

Understanding Diversification with the Callan Periodic Table of Investment Returns

“The Periodic Table of Investment Returns depicts annual returns for 10 asset classes, ranked from best to worst performance for each calendar year.”https://www.callan.com/periodic-table/Click on: Download the PDF. I like this visual presentation of how asset categories fluctuate from yielding the highest returns one year to the lowest (or much lower) in subsequent years. The table…

Why save when interest rates are so low?

“What’s the point in saving your hard-earned dollars if you don’t know what it’s for?” asks Ross Menke. “By visualizing that future experience, you’ll feel in real time what lies ahead.”Jonathan Clements explains:“To get started with visualization, write down your goals in great detail. Once your specific goals are established, write down how achieving those goals will make…