Obamacare's Medicare Cuts: Cause for Celebration

When do you celebrate bad news? When it's not as bad as the terrible news you were expecting.

Feb 24, 2014 at 6:54PM

Health-insurance stocks have been under a lot of pressure recently. Though fourth-quarter results weren't great for many, the downward pressure can be much more closely attributed to several CEOs in the industry showing grave concern for larger-than-anticipated Medicare cuts. The cuts were expected to be in the 3%-4% range, but large insurers had reached the point of expressing fear over much steeper cuts of 6%-7%. Today came the moment of truth, with the cuts falling in line with original expectations, at 3.55%.

In this video, Motley Fool health-care analyst David Williamson takes a look at which of the large insurers are the most exposed to Medicare Advantage, and which are benefiting the most from the lower-than-expected cuts today.

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David Williamson owns shares of UnitedHealth Group. The Motley Fool recommends UnitedHealth Group. Try any of our Foolish newsletter services free for 30 days. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy.

A Financial Plan on an Index Card

Keeping it simple.

Aug 7, 2015 at 11:26AM

Two years ago, University of Chicago professor Harold Pollack wrote his entire financial plan on an index card.

It blew up. People loved the idea. Financial advice is often intentionally complicated. Obscurity lets advisors charge higher fees. But the most important parts are painfully simple. Here's how Pollack put it:

The card came out of chat I had regarding what I view as the financial industry's basic dilemma: The best investment advice fits on an index card. A commenter asked for the actual index card. Although I was originally speaking in metaphor, I grabbed a pen and one of my daughter's note cards, scribbled this out in maybe three minutes, snapped a picture with my iPhone, and the rest was history.

More advisors and investors caught onto the idea and started writing their own financial plans on a single index card.

I love the exercise, because it makes you think about what's important and forces you to be succinct.

So, here's my index-card financial plan:


Everything else is details. 

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