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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
Pope Francis in Cuba for historic meeting
Zika vaccine is at least a year and a half away
U.S., Russia agree to terms of Syrian cease-fire
10 big stories you’ve missed this week
Biggest rise in Treasury yields in 2½ months
Import prices drop 1.1% on cheaper oil
Uber to pay riders millions to settle safety suits
Mattel names new boss for Barbie business

Grammys make Memphis candy shop a winner

How grocery business got ‘barbell’ shape

Penney responds to lawsuit over Burberry plaid
Kohl’s eliminates three executives
Retail sales increase 0.2% in January

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

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

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

College freshmen are most liberal since Vietnam


/conga/frontpage.html 367868

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132.55MDow Volume:
Avg Vol: 132.70M
Unchanged
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Decliners
1500
Advancers
4873
Price Chg %Chg 1 Day
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GlobalDow
/quotes/zigman/629063/realtime 2,070 +23 1.11%
Gold
/quotes/zigman/33772884/delayed 1,239 -9 0.75%
Oil
/quotes/zigman/2260836/delayed 29.02 +2.81 10.72%
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%
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/quotes/zigman/2759620/delayed 7,921 +175 2.25%
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/quotes/zigman/6959860/realtime 2,385 -51 2.10%
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/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 0.61%
Yen
/quotes/zigman/16008150/realtime/sampled 113.25 +0.83 0.74%
Pound
/quotes/zigman/16008140/realtime/sampled 1.45 +0.00 0.18%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.71 0.00 0.04%
DXY Index
/quotes/zigman/1652083/delayed 95.97 +0.36 0.38%
WSJ $ Idx
/quotes/zigman/41508961/realtime 88.99 +0.23 0.26%
U.S. 10yr
/quotes/zigman/15866666/realtime 1.75 0.00 0.00%
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 10.72%
Gold
/quotes/zigman/33772884/delayed 1,239 -9 0.75%
Corn
/quotes/zigman/25518691/delayed 359 -1 0.35%
DJIA F
/quotes/zigman/48241424/delayed 15,925 +313 2.00%
S&P F
/quotes/zigman/43106711/delayed 1,860 +36 1.95%
Silver
/quotes/zigman/32655632/delayed 16 0 0.03%

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

The Single Life: 3 Ways to Retire Well on Your Own

iStockPhoto

Being single certainly has it perks. You have just one pair of dirty socks to wash each day, those dinner dishes don’t pile up that fast in the sink, and you get control of the remote 24/7, even if all you want to watch is golf for six hours. But when it comes to saving for retirement, single folks don’t have it quite so easy, a new study finds.

A study released this month by the Employee Benefit Research Institute found that while 80% of married people are financially prepared for retirement, just 55% of single people are.  The trend persists regardless of education levels: For example, while more than 88% of college-educated married folks are financially prepared for retirement, just over 68% of single college grads are.  “When you’re single, retirement planning is often 100% on you,” says Deana Arnett, CFP, a senior planning consultant at Financial Planning Services in Northern Virginia. “You are it, and that’s tough.”

So, what does this mean for single folks beyond the vague “save more”?  Encore asked Arnett how singles can shore up their retirement.  Here’s what she told us:

Save 20% of your pre-tax income. Sure, single folks know they need to save more for retirement than many married people, who have dual incomes, but the question is — how much more?  Arnett says you should shoot for saving 20% or more of your pre-tax income, ensuring that you have both padded retirement accounts and six months worth of income in an emergency fund so you can have some liquidity if you need it.

Buy quality disability insurance. “This is something that a lot of people — single and married — don’t have or don’t have enough of,” Arnett says.  And when you’re single, it can be especially important because you don’t have another income to fall back on should you become ill or injured and unable to work, she says. Arnett recommends you get a non-cancel-able and guaranteed renewable plan and make sure that the policy covers your own occupation (some plans will only cover you if you’re unable to do any job, not your own job). You should also get a residual benefit rider, she says, which will pay you pro-rated benefits if you can only work part-time. Finally, “don’t just assume you have enough insurance from your employer plan,” she adds. “Sometimes, these plans are very restrictive.”  Click here to learn more about disability insurance.

Have a “durable power of attorney” document drawn up. A durable power of attorney is a legal document that outlines who will make decisions — including financial decisions — for you if you are unable to.  So, if you are sick or injured, this document might give someone else the power to access your bank account, so they can pay your bills.  Why does this matter? Arnett points out that if you’re in the hospital for a while your bills might pile up, unpaid, which can seriously hurt your credit score.

Comments

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

Comments (5 of 22)

View all Comments »
    • It should be noted, poolpatiun growth tends to slow when GDP growth slows.And a 2% rise of a quality good is not the same as a 2% rise of an inferior good.Robert Lucas is correct that lower U.S. GDP growth is needed to become more like the E.U..A safety net and labor standards are important. However, full employment is also important.

    • methinks-like many immigrants to ameirca, you embody and appreciate ameircan virtues more than the natives.i have actually wondered if our recent immigrations restrictions are not, at least in part, related to our shift to a more “european” stance. natives always factor less competition and more safety than immigrants.

    • is this in real dollar terms??No the data is not deleftad. Why didn’t Wesbury point out that half the increase was ? A one shot rush of adrenalin (80% increase), perhaps. The Department of Defence confounded the once again.

    • 80% of marrieds are financially prepared for retirement? What’s the definition of prepared? When you start with crazy stats like that you lose all credibility.
      …and are you including divorced as single?

    • And if single, get long-term care insurance as young and as healthy as possible! Singles cost more for LTC premiums–why? They are much less likely to be able to stay home and pay $15-25 an hour 24/7. Insurers know it will be 30% more expensive when on claim. Assisted living is better and cheaper, but still probably will cost more per month than you figured for retirement living. Run out of savings, and Medicaid means a nursing home with several roommates.

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.

MarketWatch - Stock Market Quotes, Business News, Financial News
Bulletin
Investor Alert
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
Pope Francis in Cuba for historic meeting
Zika vaccine is at least a year and a half away
U.S., Russia agree to terms of Syrian cease-fire
10 big stories you’ve missed this week
Biggest rise in Treasury yields in 2½ months
Import prices drop 1.1% on cheaper oil
Uber to pay riders millions to settle safety suits
Mattel names new boss for Barbie business

Grammys make Memphis candy shop a winner

How grocery business got ‘barbell’ shape

Penney responds to lawsuit over Burberry plaid
Kohl’s eliminates three executives
Retail sales increase 0.2% in January

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

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

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

College freshmen are most liberal since Vietnam


/conga/frontpage.html 367868

Markets »

132.55MDow Volume:
Avg Vol: 132.70M
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 2,070 +23 1.11%
Gold
/quotes/zigman/33772884/delayed 1,239 -9 0.75%
Oil
/quotes/zigman/2260836/delayed 29.02 +2.81 10.72%
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 0.61%
Yen
/quotes/zigman/16008150/realtime/sampled 113.25 +0.83 0.74%
Pound
/quotes/zigman/16008140/realtime/sampled 1.45 +0.00 0.18%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.71 0.00 0.04%
DXY Index
/quotes/zigman/1652083/delayed 95.97 +0.36 0.38%
WSJ $ Idx
/quotes/zigman/41508961/realtime 88.99 +0.23 0.26%
U.S. 10yr
/quotes/zigman/15866666/realtime 1.75 0.00 0.00%
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 10.72%
Gold
/quotes/zigman/33772884/delayed 1,239 -9 0.75%
Corn
/quotes/zigman/25518691/delayed 359 -1 0.35%
DJIA F
/quotes/zigman/48241424/delayed 15,925 +313 2.00%
S&P F
/quotes/zigman/43106711/delayed 1,860 +36 1.95%
Silver
/quotes/zigman/32655632/delayed 16 0 0.03%

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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