November 21, 2019

PERSONAL FINANCE, FINANCIAL WELLNESS, ANNUITIES, TAXES, CHARITY & FINANCIAL LITERACY

• The Concept of the Retirement Nest Egg Is Cracked
• ‘I can’t afford that’: Woman in student loan limbo since 1997 decries a muddy system ; Gender investing gap costs women in the long run
• Opinion: Laid off at 50? How ‘accidental entrepreneurs’ can rise and prosper
• Opinion: How far off are the actuarial adjustments of Social Security benefits?
• Buffer annuities push variable annuity sales to three-year high in Q3
• Is estate planning necessary? ; The gender pay gap means women have to be on the ball with estate planning
• Why I walked away from my advisor study group
• Here’s How Much A 30-Year Mortgage On A $250000 Home Really Costs ; 8 Reasons to Retire in an RV
• How to Budget for Charitable Giving ; How Male and Female Business Owners Differ in Charitable Giving

HEALTHCARE & WELLNESS

• High Fraud Rates Means Consumers Are Afraid
• Important for veterans to understand their healthcare options
• Bonkers pricing of “free” flu shots shows what’s wrong with US healthcare
• Health clinic looted after Durham gas explosion reports patient files data breach
• Juul sued by New York state over deceptive marketing
• Private equity’s impact on retailers and hospitals draws scrutiny in Congress

TECH, MEDIA & SOCIAL MEDIA

• 80% of financial app users admit not fully realizing their banking credentials are shared: survey ;
• A Valuable ‘Commodity’ ; Fintech Regulation Needs More Principles, Not More Rules
• Cybersecurity firms form coalition to fight stalkerware ; Target sues insurer for at least $74 million in 2013 data breach costs ; Macy’s Suffers Data Breach by Magecart Cybercriminals
• Lack of cybersecurity talent could cost businesses trillions 
• Dealing With Bias in Artificial Intelligence
• IBM-backed project seeks to set standard for blockchain work credentials 
• Disney+ user accounts already found on hacking sites ; Amazon makes its music streaming service free with ads

401k, 403b, 457b, NONQUALIFIED, STATE-RUN PLANS & LITIGATION

• America isn’t ready for longer lifespans
• RIA Acquisition Opportunities Estimated to Exceed $2 Trillion
• Why Americans Need the SECURE Act ; SECURE Act left out of latest temporary government funding measure ; Secure Choice credited with $8.5M in savings

PENSIONS

• HB will move forward on refinancing $436 million in pension debt
• Illinois Passes Police, Fire Pension Consolidation Bill ; Pritzker rejects tying pension, income-tax amendments together
• Oregon pension fund is invested in spyware, prison companies
• CalPERS has second thoughts about ditching venture ; Why 2 firefighters say CalPERS should let them keep $70000 in pension overpayments

INTERNATIONAL

• Alternatives are ESG weak point for Swedish pension funds
• Canadians finding retirement is not all it’s cracked up to be: survey
• Private Equity Muscles Into Britain’s Booming Pension Market
• Mexican president defends indigenous pensions plan
• Survey: Pensions affected by employers paying insufficient contributions 
• Private equity muscles into UK’s booming pension risk transfer market
• Wealth Fund at $1.1 Trillion Has Norwegians Trying to Cash Out
• Netherlands Spares Pensioners Cuts in 2020 as Funds Rebuild Ratios

MARKETS

• New York Fed’s Williams Stresses Flexible Approach to Setting Interest Rates ; At meeting with Fed’s Powell, Trump ‘protested’ interest rate policy
• AAA Reports Increase in Gasoline Stocks Pushes Gas Prices Cheaper ; Thanksgiving gasoline prices projected to be highest since 2014 ; Growth In US Natural Gas Production Should Slow In 2020
• The Biggest ETF Trends ; Retail Earnings, Consumer Outlook Pressure US Stock ETFs
• Sustainable investors face squeeze as larger firms move in
• Hey, Big Spender! UK Debt to Pile Up Under Election Promises 

ALTERNATIVE INVESTMENTS                                                                      

• Hedge funds add tech in Q3, bet on US-China trade ; Hedge funds up 0.31 per cent in October, says Eurekahedge  ; Hedge Funds and Private Equity Need Full Disclosure
• Private equity practices aired at House hearing ; Calpers weighs new strategies to hit elusive private equity target
• The sky is falling as the entire cryptocurrency market crashes ; China’s crypto boom is expected to be less ‘fragmented’ as government backs blockchain efforts
• Key ESG Considerations for Family Offices and Foundations
• 13 places in the US where it’s probably not worth investing in real estate for the next decade