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Stockvault Crowd At A Music Concert132431

Evolution

Marea and I went to a Barbra Streisand concert at the TD Garden in Boston on Tuesday evening with our neighbors, Lara and Roland.  While I have enjoyed Barbra’s music over the years, I had little interest in seeing her perform live.  The festivities began with dinner in Boston’s famed North End.  Roland took charge of driving into town, which isn’t easy these days. “We’re going to hit a lot of traffic,” Roland advised. “That’s OK,” I said, attempting to add a little...
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Graduation

June is a truly beautiful time of year.  Mild weather makes afternoon walks more enjoyable; my golf game continues to decline, and there are plenty of family gatherings to celebrate different events –specifically graduations.  In fact, I have attended multiple parties this month.  Christopher graduated from Suffolk University, and Nicole and Ed Jr. both graduated from high school near the top of their respective classes. While these are certainly joyous times for the students and their...
Managing Oral Health

Managing Oral Health

Peggy Sue: Grandpa, if you had a chance to go back and do it all differently, what would you have changed? Grandpa: Well, I would have taken better care of my teeth. - Peggy Sue Got Married (1986) Words to live by. The Massachusetts Health Policy Commission (HPC) had a board meeting this past week and oral health was on the agenda.1 Why address this issue? Because the Commission’s objective is to develop policies that reduce growth in health care expenses and improve quality of...
The Alarming Cost Of Out Of Network Health Care Services HVS 06 01 2016

The Alarming Cost of Out-Of-Network Health Care Services

While preparing HealthView’s 2016 Data Report, I learned something thought-provoking about out-of-pocket medical expenses. As I was reviewing some data, I uncovered what appeared to be a statistical error: the Report was projecting that pre-retirement out-of-pocket expenses would increase by around 7% annually, compared to an in-retirement rate of 3%-3.5%. Put another way: a 40-year old would pay more than a 70-year-old for the same out-of-pocket medical product or service. And the...
Surprise Healthview Financial

Surprise!

A number of readers have expressed that they would like to read an “old fashioned” Update (Ron’s View). To say the least, I was surprised and somewhat flattered. A good friend and highly regarded industry expert summed it up best. “I can read serious industry news 24/7 but what you wrote was unique. You brought us into your life and ended the column with sound advice. It was different and enjoyable to read. Even my wife looked forward to reading ‘Ron’s View,’ but...
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Press Release 05-18-2016

HealthView Services 2016 Retirement Health Care Costs Data Report Released   Retirement Health Care Costs for a 65-Year-Old Healthy Couple to Exceed $288,000 Projected 2015-2016 Retirement Health Care Inflation: 7.3% 66-Year-Old Couple Will Require 57% of Social Security Benefits to Cover Health Care Medicare Surcharges to Increasingly Impact Middle...
A Prescription for Saving

A Prescription for Saving

There has certainly been an onslaught of newsworthy developments over the past few months – the tragic terrorist attack in Brussels, the chaos of the presidential campaigns, the possible dissolution of the European Union amidst the refugee crisis and Britain’s potential exit. Perhaps preoccupation with these incidents sidetracked me from broaching a topic that I’ve wanted to discuss for quite some time: the skyrocketing cost of medications.   Let’s begin at the bottom. My...
HVS Rons View Productive Aging639x424

Productive Aging

Last month, The Forum at Harvard T.H. Chan’s School of Public Health broached the topic, “The Aging Workforce: Challenges and Benefits for the Public's Health.” During the discussion, panelists spent considerable time on the phrase productive aging, which essentially measures how retired Americans can continue to be socially, economically, and intellectually engaged participants in society. These contributions can be made through employment, voluntary work, elderly caregiving or...
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Better Information on IRRs Needed

A couple of people shared the new Government Accountability Office (GAO) Retirement Security report with me earlier this month on Income Replacement Rates (or Ratios), thinking I’d be interested, since we issued our white paper on IRRs last year. The GAO report makes interesting reading, as much for what it says, as what it does not, so much so I wrote a Commentary article for the Retirement Income Industry Association®’s (RIIA®) new interactive website last week...
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