Yes, Negative Interest Rates are a Thing Now

Way back when I studied economics, I don’t actually remember learning what a ‘negative interest rate’ was. In fact, even a few years ago when I taught graduate-level economics (a whole other post), I don’t remember it being in the curriculum, or even being asked about the topic. That was then, however. These days, negative […]

Retirement Without Retiring Debts

When people rhyme off the things they want to do in retirement, ‘pay off debts’ is never on the list. Nevertheless, it is something that baby boomers will have to do anyway, if data from the New York Federal Reserve (NY Fed) is to be believed. According to a just-released study by the NY Fed, […]

Don’t Call it Having Roommates, Call it ‘Coliving’

I had barely heard about Campus Coliving and their business model before I saw the sad announcement yesterday that they were closing down the company, a result of not being able to make any money at it.  The problem I’d say is that as a company they were ahead of their time.  We have not […]

‘Employee Engagement’ – Just Another HR Buzzword Right? Well, Maybe Not

‘Employee Engagement’ – you may want to brush that off as just another HR buzzword, but the truth is that unless your employees are engaged its doubtful you are getting the most from them. If you’re an employee you can confirm that actually: the less into your company you are, the less productive and into […]

Boomers Don’t Want to Retire – But Do They Get to Choose?

“I’m trying for Freedom 95” says a friend explaining his retirement plans. It’s a joke, sort of. Some people try, or used to try, to save enough to get out of the labor force a good ten years ahead of the norm, and maybe they do manage it (London Life has a financial planning division […]