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How did Kissinger get into Clinton-Sanders debate?
Former U.S. Secretary of State Henry Kissinger listens to a question at China Development Forum, in Beijing March 21, 2015. REUTERS/Jason Lee  Reuters
Clinton, Sanders clash over costs at debate

Challenging job: President Trump’s top diplomat
LOS ANGELES, CA - SEPTEMBER 15:  Republican presidential candidate Donald Trump speaks during a campaign rally aboard the USS Iowa on September 15, 2015 in Los Angeles, California. Donald Trump is campaigning in Los Angeles a day ahead of the CNN GOP debate that will be broadcast from the Ronald Reagan Presidential Library in Simi Valley.  (Photo by Justin Sullivan/Getty Images)  Getty Images
Voters don’t care about promises — just vision

Looks like time for bottom fishing in U.S. stocks

Stocks will likely be higher in six months
The Dow’s downtrend is now official
5 signs we’re in a bear market

What ‘affordable’ Tesla Model 3 means for buyers
What the ‘affordable’ Tesla Model 3 rollout means for car buyers Getty Images
Tesla predicts rosy 2016 —can Musk deliver?
Tesla’s Model 3: The 5 things we now know

Why you probably won’t see 99-cents-a-gallon gas
 Getty Images

The top 10 tax havens for individuals in the world
 Shutterstock.com
Watch out for these tricky tax issues this year

A rare bit of good news about dementia
LLANDUDNO, WALES - SEPTEMBER 08:  Senior citizens walk along Llandudno Pier on September 8, 2014 in Llandudno, Wales. Britain is facing multiple problems stemming from an increase in the elderly proportion of its population, including increasing health care costs, strains on its social security system, a shortage of senior care workers and challenges to the employment market.  (Photo by Christopher Furlong/Getty Images)  Getty Images

Don’t get smoked by your marijuana investment
Don't get smoked by your marijuana investment Getty Images

Burger King’s hot dog plan is so crazy it could work
Burger King to make its biggest menu change yet  Getty Images

Actually, the most popular new emoji isn’t the taco
Rolling eyes are the most popular of the new iOs emojis for iPhone users.

need to know
10 big stories you’ve missed this week
Retail sales increase 0.2% in January
Import prices drop 1.1% on cheaper oil
Uber to pay riders millions to settle safety suits
Mattel names new boss for Barbie business

This can’t be why Apple made Beats deal with Dre

Google exec squirms when questioned about pay

Economists increasingly see Fed hands as tied
What central-bank failures mean for investors
Have central banks lost market credibility?

First-quarter earnings forecast is getting worse

Big banks are fleeing the mortgage market
Big banks are fleeing the mortgage market
Boomers are loading up on debt, not millennials

CEO Jamie Dimon’s $26 million bet on J.P. Morgan
Jamie Dimon joins the ex-billionaires club

LONDON - SEPTEMBER 15:  A financial news update in Canary Wharf on September 15, 2008 in London, England. The fourth largest American investment bank has announced that it's filing for bankruptcy protection during a growing financial crisis.  (Photo by Cate Gillon/Getty Images)
Is it 2008 all over again? (And what to expect if it is)

Time for a coordinated response to China’s yuan
Japan warns investors about the surging yen
Worried about the stock market? Watch yen

Sweden’s negative  rate isn’t as scary as it appears

Think like Buffett, and buy what's ugly
Think like Buffett, and buy stocks at their worst

5 things to know about the Costco and AmEx breakup

U.S., Russia agree to terms of Syrian cease-fire

6 perfect roles for Martin Shkreli, Hollywood’s next leading man
Martin Shkreli: Star of stage, screen and pharma
There’s a ‘Jane’ in nearly all Hollywood scripts

Taxpayers already paying for future Super Bowls

Beer’s incessant infighting clouds the big picture

Will falling oil prices bankrupt Saudis, Russians?

How to buy a used car
The correct way to go about buying a used car

College freshmen are most liberal since Vietnam

Something pink and potable for Valentine’s Day
Charles Passy samples rosé cider
9 of the most incredibly romantic wines

What boomers can teach millennials in online dating
What boomers can teach millennial daters
10 dating apps that users can't stand
/conga/frontpage.html 367855

Markets »

132.55MDow Volume:
Avg Vol: 132.13M
Unchanged
134
Decliners
1500
Advancers
4873
Price Chg %Chg 1 Day
Range: 1 Day
  • 1 Day
  • 5 Days
  • 1 Month
  • 3 Months
  • 6 Months
  • 1 Year
  • 2 Years
Dow
/quotes/zigman/627449/realtime 15,974 +314 2.00%
Nasdaq
/quotes/zigman/12633936/realtime 4,338 +71 1.66%
S&P 500
/quotes/zigman/3870025/realtime 1,865 +36 1.95%
GlobalDow
/quotes/zigman/629063/realtime 2,071 +23 1.13%
Gold
/quotes/zigman/33772884/delayed 1,239 -9 0.71%
Oil
/quotes/zigman/2260836/delayed 29.08 +2.87 10.95%
FTSE 100
/quotes/zigman/3173262/delayed 5,708 +171 3.08%
DAX
/quotes/zigman/2380246/delayed 8,968 +215 2.45%
CAC 40
/quotes/zigman/3173214/delayed 3,995 +98 2.52%
FTSE MIB
/quotes/zigman/1482176/delayed 16,515 +742 4.70%
IBEX 35
/quotes/zigman/2759620/delayed 7,921 +175 2.25%
Stoxx 600
/quotes/zigman/2380150/delayed 312 +9 2.91%
Asia Dow
/quotes/zigman/6959860/realtime 2,385 -51 2.10%
Nikkei 225
/quotes/zigman/5986735/delayed 14,953 -761 4.84%
Hang Seng
/quotes/zigman/2622475/delayed 18,320 -226 1.22%
Shanghai
/quotes/zigman/1859015/delayed 2,763 -18 0.63%
Sensex
/quotes/zigman/1652085/delayed 22,986 +34 0.15%
Singapore
/quotes/zigman/1709939/delayed 2,540 +2 0.07%
Euro
/quotes/zigman/16008136/realtime/sampled 1.13 -0.01 0.60%
Yen
/quotes/zigman/16008150/realtime/sampled 113.27 +0.84 0.75%
Pound
/quotes/zigman/16008140/realtime/sampled 1.45 +0.00 0.18%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.71 0.00 0.08%
DXY Index
/quotes/zigman/1652083/delayed 95.99 +0.38 0.40%
WSJ $ Idx
/quotes/zigman/41508961/realtime 88.98 +0.21 0.24%
U.S. 10yr
/quotes/zigman/15866666/realtime 1.74 +0.08 4.90%
German 10y
/quotes/zigman/15866409/realtime 0.26 +0.07 37.97%
Italy 10yr
/quotes/zigman/15866497/realtime 1.64 -0.08 4.67%
Spain 10yr
/quotes/zigman/15866444/realtime 1.74 -0.04 2.01%
U.K. 10yr
/quotes/zigman/15866328/realtime 1.42 +0.11 8.61%
Japan 10yr
/quotes/zigman/15866525/realtime 0.08 +0.06 442.45%
Crude Oil
/quotes/zigman/2260836/delayed 29 +3 10.95%
Gold
/quotes/zigman/33772884/delayed 1,239 -9 0.71%
Corn
/quotes/zigman/25518691/delayed 359 -1 0.35%
DJIA F
/quotes/zigman/48241424/delayed 15,916 +304 1.95%
S&P F
/quotes/zigman/43106711/delayed 1,859 +35 1.89%
Silver
/quotes/zigman/32655632/delayed 16 0 0.37%

Quotes

Symbol Price Change % Change
FB /quotes/zigman/9962609/composite 102.01 0.10 0.10%
AAPL /quotes/zigman/68270/composite 93.99 0.29 0.31%
GOOG /quotes/zigman/59527964/composite 682.40 -0.71 -0.10%
BAC /quotes/zigman/190927/composite 11.95 0.79 7.08%
C /quotes/zigman/5065548/composite 37.54 2.56 7.32%
F /quotes/zigman/264304/composite 11.55 0.38 3.40%
T /quotes/zigman/398198/composite 36.47 0.26 0.72%
BP /quotes/zigman/247026/composite 29.02 1.38 4.99%
GE /quotes/zigman/227468/composite 28.26 0.81 2.95%
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Rates »

5 yr CD
1.3%
2 yr CD
0.7%
1 yr CD
0.6%
MMA $10K+
0.2%
MMA $50K+
0.4%

National averages from Bankrate.com

You Don’t Need Another Credit Card, You Need A Better One.
Avg. APR Last Week 6 Months
Low Interest 11.96% 11.96% 11.62%
Business 13.12% 13.12% 12.85%
Student 13.42% 13.42% 13.14%
Balance Transfer 14.35% 14.35% 14.12%
Airline 15.17% 15.17% 15.10%
Cash Back 15.20% 15.26% 15.27%
Reward 15.25% 15.28% 15.14%
Instant Approval 18.02% 18.21% 18.00%
Bad Credit 22.56% 22.88% 22.73%
Source:CreditCards.com

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Encore
A blog about living in and planning for retirement

Transportation Nightmares: Worst Cities in America for Seniors

iStockPhoto

When Miss Daisy needed a ride, she just called down to her chauffeur Hoke. But for those of us without her financial outlook, things aren’t looking quite so rosy.

Local governments around the nation rank transportation as their second highest concern for older adults, just below financial issues, according to a survey by the National Association of Area Agencies on Aging. And it’s no wonder: Nearly 80% of Americans 65 and older currently live in a car-dependent suburb or rural area. By 2015, more than 15.5 million seniors will live in communities with poor or nonexistent public transportation, according to a new study by Transportation for America, a coalition of housing, business and environmental organizations that works for transportation reform.

So what’s the big deal with retiring in the ‘burbs? For one, many seniors don’t drive, which obviously makes it more difficult to get around. A study by the National Institute of Aging found that about 30% of women in their early 70s have stopped driving; that increases to 78% of women 85 or older. Men keep driving longer: Only 12% of men in their early 70s don’t, and just 45% of men 85 or older hang up their car keys.

And while there are good reasons to stop driving, doing so has an effect on physical and emotional health. Americans age 65 and up who no longer drive make 15% fewer trips to the doctor than those who drive, according to the 2004 “Aging in America: Stranded Without Options” study. They also make 65% fewer trips to visit friends and family, which can result in social isolation. “Absent access to affordable travel options, seniors face isolation, a reduced quality of life and possible economic hardship,” the Transportation for America study concludes.

The study, which ranked 241 metro areas on how well they will provide public transportation to seniors aged 65 to 79 in 2015, found some big transportation offenders:

Metropolitan Areas with 3 Million or More People

  1. Atlanta, Ga. (90% of seniors aged 65-79 will have poor transit access in 2015)
  2. Riverside–San Bernardino, Calif. (69%)
  3. Houston, Texas (68%)
  4. Detroit, Mich. (68%)
  5. Dallas, Texas (66%)

Metropolitan Areas with 1-3 Million People

  1. Kansas City, Mo. (88%)
  2. Oklahoma City, Okla. (86%)
  3. Fort Worth–Arlington, Texas (86%)
  4. Nashville, Tenn. (85%)
  5. Raleigh–Durham–Chapel Hill, N.C. (80%)

Metropolitan Areas with 250,000-1 Million People

  1. Hamilton–Middletown, Ohio (100%)
  2. Montgomery, Ala. (99%)
  3. Greenville–Spartanburg–Anderson, S.C. (99%)
  4. Hickory–Morganton, N.C. (95%)
  5. Brockton, Mass. (91%)

Metropolitan Areas with Less Than 250,000 People

  1. Hagerstown, Md. (100%)
  2. Waterbury, Conn. (90%)
  3. Greenville, N.C. (87%)
  4. Houma, La. (87%)
  5. Merced, Calif. (86%)

The top mark for public transit access for the 65 – 79 set goes to Jersey City, N.J., in which 97% can count on good public transit options in 2015. Other solid options: Los Angeles-Long Beach, San Francisco and Honolulu.  For full results of this study, click here.

Comments

We welcome thoughtful comments from readers. Please comply with our guidelines. Our blogs do not require the use of your real name.

Comments (4 of 4)

View all Comments »
    • G7IGrN cyqebyygfqsm

    • Wodenrful explanation of facts available here.

    • Good comment, Bob.

      We live in a country that for the most part could care less about public transit, and also could care less about working parents, as evidenced by the U.S. lagging behind nearly every other nation in the world (industrialized or not) on access to safe, affordable, quality child care.

      I live in the Cleveland area, which, as someone who does not drive, I feel has particularly bad public transit for a large metro area. It astounds me how many people who live here are anti-public transit, so afraid that public transit will attract “those” kinds of people (anyone different than themslves, usually non-white and non upper-class).

      These same people are one day going to be elderly, unable to drive, and then won’t know what to do when there’s no public transit when they need it.

    • In Sweden, nearly every home is just short walking distance to some sort of public transport. Even in rural areas. The best inclusion of the elderly population I saw was a regional train station where the working family member would leave the countryside for a quick journey into the city. At the station was also an old-folks center (coffee, newspapers, exercise, board games) which combined with a childcare center. The daily interaction of the elderly and the children seemed to benefit everyone, especially the parents off at work. Perhaps the USA should start planning for the aging of the Baby Boomers. They will have so much to contribute in their Golden Years, and we shouldn’t make them drive themselves to stay connected.

About Encore

  • Encore examines the changing nature of retirement, from new rules and guidelines for financial security to the shifting identities and priorities of today’s retirees. The blog also explores news that affects retirement, from the Wall Street Journal Digital Network and around the web. Lead bloggers are reporter Catey Hill and senior editor Jeremy Olshan. Other contributors include The Wall Street Journal’s retirement columnists Glenn Ruffenach and Anne Tergesen; the Director for the Center for Retirement Research at Boston College, Alicia Munnell; and the Director of Research for Pinnacle Advisory Group, Michael Kitces, CFP.

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New York Markets After Hours

How did Kissinger get into Clinton-Sanders debate?
Former U.S. Secretary of State Henry Kissinger listens to a question at China Development Forum, in Beijing March 21, 2015. REUTERS/Jason Lee  Reuters
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/conga/frontpage.html 367855

Markets »

132.55MDow Volume:
Avg Vol: 132.13M
Unchanged
134
Decliners
1500
Advancers
4873
Price Chg %Chg 1 Day
Range: 1 Day
  • 1 Day
  • 5 Days
  • 1 Month
  • 3 Months
  • 6 Months
  • 1 Year
  • 2 Years
Dow
/quotes/zigman/627449/realtime 15,974 +314 2.00%
Nasdaq
/quotes/zigman/12633936/realtime 4,338 +71 1.66%
S&P 500
/quotes/zigman/3870025/realtime 1,865 +36 1.95%
GlobalDow
/quotes/zigman/629063/realtime 2,071 +23 1.13%
Gold
/quotes/zigman/33772884/delayed 1,239 -9 0.71%
Oil
/quotes/zigman/2260836/delayed 29.08 +2.87 10.95%
FTSE 100
/quotes/zigman/3173262/delayed 5,708 +171 3.08%
DAX
/quotes/zigman/2380246/delayed 8,968 +215 2.45%
CAC 40
/quotes/zigman/3173214/delayed 3,995 +98 2.52%
FTSE MIB
/quotes/zigman/1482176/delayed 16,515 +742 4.70%
IBEX 35
/quotes/zigman/2759620/delayed 7,921 +175 2.25%
Stoxx 600
/quotes/zigman/2380150/delayed 312 +9 2.91%
Asia Dow
/quotes/zigman/6959860/realtime 2,385 -51 2.10%
Nikkei 225
/quotes/zigman/5986735/delayed 14,953 -761 4.84%
Hang Seng
/quotes/zigman/2622475/delayed 18,320 -226 1.22%
Shanghai
/quotes/zigman/1859015/delayed 2,763 -18 0.63%
Sensex
/quotes/zigman/1652085/delayed 22,986 +34 0.15%
Singapore
/quotes/zigman/1709939/delayed 2,540 +2 0.07%
Euro
/quotes/zigman/16008136/realtime/sampled 1.13 -0.01 0.60%
Yen
/quotes/zigman/16008150/realtime/sampled 113.27 +0.84 0.75%
Pound
/quotes/zigman/16008140/realtime/sampled 1.45 +0.00 0.19%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.71 0.00 0.07%
DXY Index
/quotes/zigman/1652083/delayed 95.99 +0.38 0.40%
WSJ $ Idx
/quotes/zigman/41508961/realtime 88.98 +0.21 0.24%
U.S. 10yr
/quotes/zigman/15866666/realtime 1.74 +0.08 4.90%
German 10y
/quotes/zigman/15866409/realtime 0.26 +0.07 37.97%
Italy 10yr
/quotes/zigman/15866497/realtime 1.64 -0.08 4.67%
Spain 10yr
/quotes/zigman/15866444/realtime 1.74 -0.04 2.01%
U.K. 10yr
/quotes/zigman/15866328/realtime 1.42 +0.11 8.61%
Japan 10yr
/quotes/zigman/15866525/realtime 0.08 +0.06 442.45%
Crude Oil
/quotes/zigman/2260836/delayed 29 +3 10.95%
Gold
/quotes/zigman/33772884/delayed 1,239 -9 0.71%
Corn
/quotes/zigman/25518691/delayed 359 -1 0.35%
DJIA F
/quotes/zigman/48241424/delayed 15,916 +304 1.95%
S&P F
/quotes/zigman/43106711/delayed 1,859 +35 1.89%
Silver
/quotes/zigman/32655632/delayed 16 0 0.37%

Quotes

Symbol Price Change % Change
FB /quotes/zigman/9962609/composite 102.01 0.10 0.10%
AAPL /quotes/zigman/68270/composite 93.99 0.29 0.31%
GOOG /quotes/zigman/59527964/composite 682.40 -0.71 -0.10%
BAC /quotes/zigman/190927/composite 11.95 0.79 7.08%
C /quotes/zigman/5065548/composite 37.54 2.56 7.32%
F /quotes/zigman/264304/composite 11.55 0.38 3.40%
T /quotes/zigman/398198/composite 36.47 0.26 0.72%
BP /quotes/zigman/247026/composite 29.02 1.38 4.99%
GE /quotes/zigman/227468/composite 28.26 0.81 2.95%
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5 yr CD
1.3%
2 yr CD
0.7%
1 yr CD
0.6%
MMA $10K+
0.2%
MMA $50K+
0.4%

National averages from Bankrate.com

You Don’t Need Another Credit Card, You Need A Better One.
Avg. APR Last Week 6 Months
Low Interest 11.96% 11.96% 11.62%
Business 13.12% 13.12% 12.85%
Student 13.42% 13.42% 13.14%
Balance Transfer 14.35% 14.35% 14.12%
Airline 15.17% 15.17% 15.10%
Cash Back 15.20% 15.26% 15.27%
Reward 15.25% 15.28% 15.14%
Instant Approval 18.02% 18.21% 18.00%
Bad Credit 22.56% 22.88% 22.73%
Source:CreditCards.com

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