Mike Rosenbaum

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Goldman Sachs Buys a Startup That's Challenging the Almighty 401(k) Plan

Goldman Sachs seems to think it’s time to retire the 401(k).<p>On Monday, Goldman (gs) announced it was acquiring Honest Dollar, a company that provides …

The retirement crisis is getting truly scary

No doubt you are tired of reading this story. I'm certainly tired of writing it.<p>"The United States is on the verge of a retirement crisis," I proclaimed in 2013. I repeated myself in 2014. And again in 2015. And, now, 2016.<p>This year's occasion for despair comes courtesy of the left-leaning Economic …

Retirement

A financial planner helps a couple earning $75,000 a year save an extra $800 a month

But no matter how little breathing room you think you have, there's almost always a way to adjust your budget, so you can set aside something — and no amount is too small, says David Blaylock, a CFP® with LearnVest Planning Services.<p>"When you're not earning a lot of money, it can be tempting to …

Personal Finance

The Flaw of Averages

Real life is never average. Especially when it comes to financial planning. Here's the "flaw of averages" -- a concept created by famed Stanford economist, Sam Savage (no relation) and clearly explained at his website, www.FlawofAverages.com It basically says, "Plans based on average assumptions …

Everything You Need to Know About Mutual Fund Fees

Your questions, answered.<p>Many mutual fund companies offer different types — or “classes” — of the same investment fund. Every share class has the …

Are 401(k)s and 529s Safe Places to Invest?

MONEY's Taylor Tepper answers another basic question about your finances.<p><b>Q: Are 401(k) and 529 funds the safest place to save for retirement and</b> …

'The Ultra Rich Asian Girls of Vancouver' help explain why China has a unique 1% problem

True, every nation has issues with income inequality. But rich-people problems in a communist country are different.<p>In this week's issue of The New Yorker, writer Jaiyang Fan gives us an in-depth look at one source of the trouble.<p>Fan profiles a number of the children of China's superrich who've …

China

Readers' suggestions: Best stops for food on the drive to Tahoe

Last month, we offered up a list of food stops for drives between the Bay Area and Tahoe. Readers chimed in with their favorites in the comments and now we've taken many of those suggestions and created a mega list for those trips to the mountains.<p>We've rounded up coffee shops where you can fuel up …

Want to Be an Outstanding Leader? Keep a Journal.

From The New York Public Library<p>Research has documented that outstanding leaders take time to reflect. Their success depends on the ability to access their unique perspective and bring it to their decisions and sense-making every day.<p>Extraordinary leadership is rooted in several capabilities: …

Meetings Waste Money, And Now You Can Calculate Just How Much

Use this in your pitch to remove a useless meeting from your schedule.<p>It’s well known that companies waste a lot of time and money organizing and having meetings. We waste time endlessly emailing to find time-slots that suit everybody. We waste time waiting for everyone to arrive. We waste time …

Management

Why New Personal Productivity Efforts Don’t Stick

We all have “productivity systems,” whether we design them with intent or just let them grow up around us. A productivity system is simply a collection of behaviors, repeated consistently and in a particular order, plus the tools that support them.<p>We often hear people say something like, “I don’t …

Trick Yourself into Breaking a Bad Habit

Let’s face it — we all have a career-limiting habit. Whether it’s weak interpersonal skills, a tendency to procrastinate, or good-but-not-great technical prowess, one of the biggest impediments to our upward mobility is a habit we struggle to change.<p>A few years back, my colleagues and I studied …

Why Simple Brands Win

The greatest brands make life simple. Think Google, Amazon, or even Dunkin’ Donuts. They cut through the clutter by delivering what consumers want, when they want it, without hassle. By simplifying customer experience in a complex world, these brands win customer loyalty, which drives business …

How the Over-Networked Can Manage Their Contacts

With success comes many things — including a greater number of relationships and more requests for help.<p>The day I declared that I was hosting an angel investment network was the day my circle of relationships seemed to grow exponentially. Suddenly there was a new swath of people who were “friendly” …

The 8 Types of Salespeople

The 69 best Android apps in 2017: Get the best from your phone

Get the most from your smartphone with the best Android apps around<p>Best Android apps 2017: Productivity apps<p><b>55. Google Keyboard</b> (free)<p><i>Better than 99%</i> …

Why Mutual Fund Costs Are a Lot Bigger Than They Seem

They may look small now, but...<p><i>Sometimes the best way to grasp a complex concept is with a simple picture. The videos in “Big Ideas in Simple</i> …

Natural Disasters

15 Surprising Things Productive People Do Differently

I recently interviewed over 200 ultra-productive people including seven billionaires, 13 Olympians, 20 straight-A students and over 200 successful entrepreneurs. I asked a simple, open-ended question, “What is your number one secret to productivity?” After analyzing all of their responses, I coded …

Time Management
Mexico

Turning Abruptly from Friendship to Love: Sartre’s Piercing Love Letter to Simone Jollivet

As a lover of spectacular love letters, especially ones between history’s creative and intellectual power couples — like those between Frida Kahlo and Diego Rivera, Virginia Woolf and Vita Sackville-West, Georgia O’Keeffe and Alfred Stieglitz, Charles and Ray Eames, and Henry Miller and Anaïs Nin — …