About Caleb

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So far Caleb has created 142 blog entries.

Finding Neutral Ground on the Internet Rights Debate

It can be confusing when government bureaucrats and the media offer wildly different perspectives on the intent and ramifications of a new controversial policy. This was plainly evident in December regarding the issue of net neutrality.According to the Federal Communications Commission (FCC), the new "Restoring Internet Freedom Order"1 is meant to:Reverse the previous "heavy-handed utility-style [...]

By |2018-03-06T16:25:37-07:00March 6th, 2018|Financial Health|0 Comments

The Cost of Health Care

Americans spend a lot on health care. In 2016, national health expenditures grew 4.3 percent to $3.3 trillion, which amounts to $10,348 per person.1 It's interesting that you'll find few people who say our health care system is fine as is, and medical services, facilities, drugs and equipment are all reasonably priced. However, there is [...]

By |2018-02-27T14:59:28-07:00February 27th, 2018|Financial Health|0 Comments

Second Marriages: Financial Finesse

Of all the questions we ask a potential spouse before tying the knot, they seldom include: "Who are the beneficiaries of your investment plans and insurance policies?""Do you wish to be resuscitated if your heart stops or if you stop breathing?""Do you want your ex or me to be guardian for your children if you die?" These [...]

By |2018-02-20T15:07:55-07:00February 20th, 2018|Financial Health|0 Comments

Why It’s Important to Care for the Caregivers

If you picture yourself receiving long-term care at some point, you likely envision a medical professional sitting bedside, tending to your needs. However, the bulk of long-term care in the U.S. is actually provided by family caregivers.1 According to a recent Merrill Lynch study, 20 million Americans become caregivers each year. Moreover, family caregivers collectively spend [...]

By |2018-02-06T15:22:52-07:00February 6th, 2018|Financial Health|0 Comments

The Impact of Income Inequality

As it turns out, income inequality can be an issue for all society, not just the poor. A new study of high-earning clients of a bank's wealth management unit tracked the fortunes of male and female young adults to learn how income inequity would impact their lives. The assumptions had both genders starting out in the [...]

By |2018-01-30T15:39:38-07:00January 30th, 2018|Financial Health|0 Comments

Anticipated Changes in Workplace Demographics

Online shopping has become the norm in the Western part of the world. Experts say mature economies adopted e-commerce quickly because of its strong infrastructure and a trusting financial landscape.1 In other words, consumers could count on receiving goods ordered, vendors knew they would get paid and any conflicts were protected by a reputable credit and [...]

By |2018-01-23T14:48:59-07:00January 23rd, 2018|Financial Health|0 Comments

Retirement Conversations: What Do You Do?

We spend a lifetime working, building a career, raising a family, etc. Then we retire, and some unsuspecting acquaintance asks, "What do you do?" It's a whole new ballgame now. This can be a difficult question for new retirees. Our gut instinct is to identify ourselves by our occupations -- "I'm a lawyer," I'm an office [...]

By |2018-01-16T15:25:31-07:00January 16th, 2018|Financial Health|0 Comments

Innovating to Solve Problems

The 2017 hurricane season was one of the most active of the new century, and scientists are predicting hurricanes will likely get more intense in the decades to come.1 But these predictions for worsening conditions in the future may pave the way for stronger innovation.  For example, the governor of Puerto Rico, which was devastated [...]

By |2018-01-09T15:04:16-07:00January 9th, 2018|Financial Health|0 Comments

Best Places to Live in Retirement

Many retirees believe the best place to live in retirement is right in their own home. Let's explore some of the "best places" where that home might be located and what it might look like. It's worth noting that the retirement experience varies widely. Some people have the money to relocate or buy a second home. [...]

By |2018-01-02T14:28:56-07:00January 2nd, 2018|Financial Health|0 Comments