Do Wellness Programs Work?

A member recently joined the NCBA health plan who had a severe history of morbid obesity, diabetes and a number of other related medical problems.  Over the course of a year, this member shed well over 100 pounds, got his diabetes under control, and now exercises and takes care of his health religiously. 

Is Your Current Asset Allocation a ‘Lose-Lose’ Proposition?

“Asset allocation.”  These have been the buzz words for successful investing for at least a generation.  Maintain the correct allocation based on your risk tolerance and your age to maximize long term return and manage risk.  Generally, this means some mix of equities and fixed income assets (stocks and bonds).  A more aggressive investor might have an 80/20 mix of equities to fixed income, a more conservative investor with less exposure to the stock market and more in bonds.