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Archive for December, 2011

The uncertain future for physician’s income

Thursday, December 22nd, 2011, by

So…Congress cannot decide on when or how to extend the 2% payroll tax rollback into 2012.  Which certainly affects all wage earners.  But for one major profession, the uncertainty carrying over to the new year is much more profound. Each year, Congress engages in a truly bizarre ritual, whereby they ceremoniously (or is that sanctimoniously?) […]

End of Year Benefit Season Selections, Part II

Monday, December 19th, 2011, by

Part I uncovered my strong bias in favor of high deductible, lower premium, HSA compatible health coverage, when offered by your employer.  This was a somewhat exotic choice just a few years ago, but is fast entering the mainstream as employers continue to shift cost of coverage over to their employees. Be sure not to […]

End of Year Benefit Season Selections, part I

Wednesday, December 14th, 2011, by

We have a recurring end of year ritual in our house, when my two grown children ask me to review their end of year open enrollment options for employee benefits.  I’m always somewhat amazed at how little time most people spend analyzing their choices…ask any human resources staffer and they’ll likely tell you the same. […]

Living Large…Living Longer

Friday, December 9th, 2011, by

Consider yourself fortunate if you get to read Scott Burns on a regular basis.  He has a nationally syndicated column on personal finance, and writes frequently on the topics of aging and entitlement programs.  I’m running out of pundits and experts who are still older than me, so I have a special affinity for his […]

The New Paradigm of Wealth

Tuesday, December 6th, 2011, by

Years of experience in financial planning and wealth management has reinforced my belief that almost everyone focuses their time and attention on the least manageable dimension of wealth creation and retention.  Broadly speaking, all of our efforts can be channeled in one of two directions, those being the realms of activity over which we have […]

Fidelity’s Health Care Estimate

Thursday, December 1st, 2011, by

You’ve heard it many times.  Advisors and pundits who tell you that your single largest investment or savings expense will be the purchase of your home. Well, maybe.  With the scorched earth housing market we have now, and newly minted college graduates struggling with massive student loan obligations and an unforgiving job market, this may […]