Together, We’re Worlds Apart

7 November
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The world continues to grow (figuratively and virtually) smaller.  The economy is more global. We are connected by Facebook and other social media.  We can exchange ideas with people in foreign lands. Check out videos and photographs taken in Australia, 10 minutes ago.  We’ve learned that our individual – and national – problems are more universal than we ever considered. Yet, perhaps now we wonder why we wanted to be so connected with others.  Take Scotland, for example.  In a...

DIY: When It Works and When It Doesn’t

31 October
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According to the U.S. department of Housing and Urban development and the Census Bureau, do-it–yourself (DIY) work accounts for 37 percent of all home remodeling projects in the US. Unfortunately, the flip side is that about 30 percent work performed by the professional remodeling industry represents fixing DIY attempts. We are often tempted to do something ourselves to save money or simply for the satisfaction, but how do you know when it’s OK to do the work and when you should call...

Lessons of a Millennial Nation

30 September
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The so-called millennial generation – those born after 1980 and before 2000 – continues to suffuse news headlines. There are actually more millennials (80 million) now than baby boomers.  Perhaps continued interest in this age group is driven by hope that it will become an economic force to propel our nation’s humdrum growth.  Now reaching adulthood, this demographic is poised to spend greater discretionary income, buy homes, have children, start up successful companies and pour its new found earnings into...

Problems, Solutions … And More Problems

18 September
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Retail Health Care Retail health care is on the rise.  If you’re not familiar with this term, it may be coming to a Wal-Mart near you.  In fact, Wal-Mart shoppers in Florence and Sumter, South Carolina, can now get a checkup at an in-store health clinic after they check out with a cashier. Does Wal-Mart care about the health of its customers and employees?  Sure.  But at the forefront of this business plan is an effort to grasp some of...

New IRA Rollover Rules

9 September
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Starting in 2015, new rules will permit only one rollover per year from one traditional IRA to another traditional IRA.  The new provision is designed to discourage IRA owners from taking temporary tax-free loans from their IRAs via multiple rollovers of consecutive 60-day periods. For example, say a homeowner needed a down payment for a new home before the sale of his previous home was settled.  He may take a direct distribution from his IRA and then pay it back...