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The Great Deflation: How PSI Relates to Retirement Health Care Costs.

The “Great Deflation,” or “Great Sag” as it was called, was not last week’s game between the Patriots and the Colts; it actually refers to the period of time between 1870 and 1890 when global prices dropped by 2 PSI (pounds per square inch)…er…I mean 2%...annually.In today's world, there are many experts working to stave off various forms of deflation (as well as inflation): these include plastic surgeons, referees who maintain an appropriate level of air in NFL footballs, and...

Living Longer: Some Unconventional, but Practical, Year-End Advice

As we begin to say farewell to 2014, many are focused on the performance of their investment portfolios and planning for the year to come, but I’ll let the experts guide us through the annual financial and tax-related laundry lists, and instead take an unconventional, but hopefully constructive, approach to helping you prepare for the New Year and beyond.As most of you know, a fundamental component of HealthView’s approach to calculating future health care costs is projecting life...

Hit the Roth, Jack

A friend of mine (let’s call him Jack) recently stated that since I'm constantly bloviating about Medicare surcharges, I should explain how he might be impacted when he retires."Ron, Help me understand how this ‘savings trap’ will affect me and give it to me straight," he said solemnly."I wouldn't have it any other way," I responded.First, I clarified what constitutes a surcharge: Medicare tacks additional fees on Medicare Parts B (doctor visits) and D (prescription drugs)...

Numbers Do Count: Impact of Updated Mortality Tables

Lately, I've been reflecting upon the importance of numbers in our lives. There are scientific numbers such as the speed of light, absolute zero, H2O, the value of Pi, the Chandrasekhar limit, and my last grade in high school physics.On a personal level, we can apply for a driver's license at 16; register to vote at 18; begin drinking alcohol at 21; retire at 65; get hit with minimum required distributions (RMDs) at 70 ½, and eventually die between the ages of 85 to 95.Obviously some...

Retirement Health Care Costs

For a while, I’ve been writing about retirement and retirement health care issues and sharing the posts with friends and family.  A few of the recipients have encouraged me to broaden the distribution with the goal of raising awareness of the importance of planning for retirement health care costs and some of the steps advisors and individuals need to think about when it comes to these issue.                           The posts will draw upon our research,...

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