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Jan. 31, 2019: How employers can support financial well-being in an uncertain political climate

By Henry Albrecht

Government employees just missed their second paycheck, forcing many families to dip into savings or worse – make impossible choices between childcare, rent, food and other basic needs. With 40 percent of Americans unable to cover a $400 emergency expense, the shutdown is highlighting the lack of financial well-being among even the hardest working professionals. And it’s not just a problem in the public sector. Read More

CMS releases 2020 draft ACA market rules

By Allison Bell

The Trump administration has released a 331-page draft document that could shape how the U.S. major medical insurance market will work in 2020. The Centers for Medicare and Medicaid Services (CMS) has sketched out the shape of insurance things to come in a proposed set of Patient Protection and Affordable Care Act (PPACA) benefits and payment parameters for 2020. Read More

Why cyber insurance is like the 'Wild Wild West': fintech insider

By Ginger Szala and Janet Levaux

The top technology concern of advisors and broker-dealers is cybersecurity, according to polls done by the Investment Adviser Association and Investment Advisor magazine. Addressing this issue are cyber insurers, who work in a market that could grow to $17.6 billion in 2023 from about $4.5 billion today, Orbis Research says. Driving this growth are factors like data breaches and the growing use of cloud-based services. To look at the risks facing cyber insurers today and the limitations of this coverage for financial and other firms, ThinkAdvisor spoke at length with Sid Yenamandra, the co-founder and CEO of cybersecurity firm Entreda. Read More

I couldn't believe Bogle's answer to this question Carosa

By Christopher Carosa

Call it one of those old-fashioned moral dilemmas. Not the kind first-year philosophy students get preternaturally excited about. (You know what I mean: “A priest, a rabbi, and a minister are on a sinking boat that can carry only two people. Which one do you throw overboard?”) No, this dilemma is much more sinister. Mary Shelly sinister. Like a doctor who saves the baby from certain death, only that baby turns out to be responsible for starting the zombie apocalypse. Read More

Trump announces deal to temporarily reopen the government

By Anna Edgerton, Billy House, Erik Wasson and Jennifer Jacobs

President Donald Trump announced a deal to reopen the government for three weeks, ending a 35-day partial shutdown without securing any of the border wall money he had demanded. Trump said he has asked Senate Majority Leader Mitch McConnell to vote immediately on the deal, which would open the affected agencies through Feb. 15. He added that he will make sure federal workers get back pay quickly. Read More

To control health care costs, call in the actuaries

By Scott Wooldridge

A new collaboration on rising health care costs is bringing actuaries to the health reform discussion. Initiative 18/11, named to reflect the percentage of GDP the U.S. spends on health care compared to the rest of the developed world, is a joint project of the Society of Actuaries (SOA) and the Kaiser Family Foundation (KFF). Read More

3 creative ways to get employees engaged in a corporate well-being program

By Nicole Chaudet

It’s no secret: Engaging employees in corporate well-being programs can be challenging. In fact, according to research from HealthFitness, nearly 60 percent of eligible employees don’t participate in their corporate well-being program. Many cite corporate culture as a barrier. Others point to a lack of information. And yet others say a personalized approach is the key to getting them more involved, including access to live experts. So, we know there’s an opportunity to better engage employees. And we know why they’re not engaging with well-being programs. But what creative approaches are companies taking to engage employees more effectively? Read More

10 best cities for paying down debt

By Marlene Satter

By the end of 2018, Americans owed more than $4 trillion — a figure big enough to send a shiver down almost anyone’s spine. So with that kind of debt hanging over our heads, it’s no surprise that many plan in this new year to pay down their balances.. Read More

Jeff Sopko