Oil prices for 2012

Knowing how others are reacting to the market is sometimes the most effective approach to personal investing.   Right now oil traders/speculators have placed unhistorically large and polar opposite options and futures trades on oil reaching either $150/barrel or $50/barrel over the next year.   They are placing these trades based on tail risk (a really BIG bad or good [...]

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What is a college education worth?

There appears to be a perfect storm, of sorts, with those considering a college education: 1) college costs have risen dramatically; 2) job opportunities are declining ; and 3) student debt levels are at historical highs. Data from the College Board suggests that $100 billion was taken out last year in student loans and that [...]

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The Impact of the Affordable Care Act on Medicare

The controversial Affordable Care Act proposes many changes to Medicare including the following to Medicare Advantage: Additional Provider Choices Providers must limit out-of- pocket costs.    According to the website www.healthcare.gov, Medicare pays insurance companies offering Medicare Advantage  over $1k  per person than is spent per person in the original Medicare, resulting in increased premiums for all [...]

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