Your Own Retirement Blog

Stock Buybacks Explained

By Your Own Retirement | January 22, 2019

When the 2017 Tax Cuts and Jobs Act reduced the corporate tax rate from 35 percent to 21 percent, the hope was companies would spend their influx of money on expansion and increased jobs and wages. Instead, public companies’ most popular way to spend the excess capital has been to buy back their own stock.1…

Where U.S. Economics Stand Globally

By Your Own Retirement | January 17, 2019

From the beginning, President Donald Trump’s economic policies have intended to put “America first.” Since the ultimate goal of such policies is to strengthen America’s economic growth, solve for domestic issues and make the nation more secure, it’s worth a review of how well policy changes are working toward those goals. According to the World…

The New Space Race

By Your Own Retirement | December 28, 2018

The New Space Race   Space: The final frontier. Or is it? The U.S. is again taking a serious look at space exploration, but there are many factors to consider. President Trump last summer called for the Department of Defense to move space operations to a sixth military branch, though funding such an effort would…

Technology and Economics

By Your Own Retirement | December 21, 2018

Technology and Economics It seems the hardest lessons are the most compelling. The worse the consequences we suffer, the more determined we are to not let those circumstances affect us again. So it is in the field of economics, which now leans heavily on technology to help evaluate and anticipate risk. Since the last recession,…

2018 Tax News

By Your Own Retirement | December 6, 2018

The Tax Cuts and Jobs Act of 2017 reduced federal income tax liability for some, but not all, Americans. Wealthy residents of California, New York and other high-tax states could face a higher tax bill when they file their 2018 return.1 While cutting tax rates on ordinary income, increasing the standard deduction and doubling the…

Annuity Strategies

By Your Own Retirement | November 30, 2018

In a 2017 Nationwide Retirement Institute survey, financial advisors revealed some of the primary concerns of today’s pre-retirees, including maintaining their current lifestyle during retirement. These people also are less concerned with growing their assets; instead, they are focusing on drawing them down in a disciplined strategy without taking out too much too early —…

Insights Into Medigap

By Your Own Retirement | November 15, 2018

Many Americans who enroll in original Medicare also purchase a supplemental insurance policy, colloquially known as “Medigap.” Medigap covers some or all of the out-of-pocket costs associated with original Medicare — deductibles, copayments and coinsurance — helping to reduce financial risk. However, there is a wide array of Medigap plans with a variety of different…

Are We in a Corporate Debt Bubble?

By Your Own Retirement | November 9, 2018

2018 marks the 10th anniversary of the Great Recession of 2008. Despite a painfully slow recovery, U.S. economic growth has been sustainable. The stock and bond markets continue to perform well, unemployment is low and the economy is generally considered healthy and booming.   And yet, whenever things are going well, it’s only human nature…

Trade Wars: More Context

By Your Own Retirement | October 25, 2018

In particular, automobiles seem to be in the cross hairs of President Trump’s hard line on trade with the rest of the world. Here are a few reasons why:1   S. auto production represents about 2.7 percent of GDP. There are more jobs in motor-vehicle assembly than in computers and electronics, chemicals, motor vehicle parts,…