Your Own Retirement Blog

Posts by Your Own Retirement

Stock Buybacks Explained

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…

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Where U.S. Economics Stand Globally

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…

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The New Space Race

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…

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Technology and Economics

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,…

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2018 Tax News

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…

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Annuity Strategies

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 —…

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Insights Into Medigap

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…

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Are We in a Corporate Debt Bubble?

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…

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Trade Wars: More Context

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,…

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How Life Varies in Different States

Different strokes for different folks. One of the many advantages of living in the United States is there are so many different places to live. You can opt for the mountains or live by the sea. You can live in open country and rural farmlands, bustling cities or remote forested areas. Hot, cold or temperate…

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