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...The global pension outlook is looking bad and a large part of this stems from people living longer and simply not saving enough while they work...By 2050 global pension funds will be underfunded by $400 trillion. Does this sound sustainable?

Medical researchers have created a quiz that predicts how long you’re going to live [i.e how many years you will live into retirement - if any!]. It’s called a ‘mortality index‘ and it’s composed of 12 questions. It claims to predict with some accuracy whether you’ll live out the decade.

Have Americans been living above their means these past 37 years (since 1980)? I think so. We have borrowed and borrowed (and borrowed) to maintain our prosperity and our exceptional lifestyle. Much of this at the expense of the world’s citizens who provided us the goods. America has 4.4% of the world’s population yet we consume some 23.6% of Global production. How can this happen? Why this favoritism?

The next rally in silver should be huge based on the prospects for expanded war, financial chaos, and central bank “printing” that will devalue all currencies. Silver will sell for $100 per ounce!

America’s national philosophy has become relying on debt to pay today’s expenses. Nothing’s easier than borrowing money, especially at super-low interest rates but believing that debt has no consequence, that the status quo is permanent, that all the promises based on soaring debt can be paid—it’s all an appealing fantasy. Believe at your own risk.

The U.S. is a tipping nation, and you are expected to leave some kind of a tip in dozens of service scenarios, so here's a handy guide to follow.

Divorce happens and, unfortunately, many who are divorcing hold certain financial misconceptions about the process... Here are four of the most important ones.

The most common misunderstandings regarding the primary gold ETF, SPDR Gold Trust (NYSE:GLD) is that it buys and sells gold. That is not the case. It is just a paper asset. It is not a way to buy gold and have someone else store your holdings for you. It is just an innovative way to “own gold.” Below I outline more of just what GLD is and is not.

While ETFs offer numerous advantages over traditional actively-managed mutual funds and individual stocks - near total transparency, intraday trading, and a (generally) more straightforward tax situation - they aren’t foolproof, and there are plenty of opportunities to make mistakes while investing in ETFs. Words: 1991

Whether you hate tipping and want to plan your vacations around countries where it's an unheard of or are just interested in how other cultures handle tipping it's good to be aware of the places where it's unexpected to tip, where it's uncommon but appreciated, and where it's considered an outright insult.