It must be lovely to be so arrogant and ignorant. I'm 61, worked all my life, got laid off, my Cobra expired. The only insurance I could get from the profit-oriented insurance companies you love so much was more than $1000 a month. Now with my tax subsidy I pay $350. Would you rather I just go to emergency rooms alongside the nonworking poor and have the taxpayer pick up ALL the freight?

Nicely put.

You guys are awesome, thanks.

Have you priced kibble lately, Charles? I wouldn't count on that snack.... But seriously folks, really good article, story of my life. And since my trust-funded retirement isn't going to happen, I've been admiring some working superseniors (like my 88-year-old neighbor) who still commutes two days a week to (paid) employment at a charity she loves. These folks tend to be healthier and sharper than their retired compatriots anyway. So what if we're tired, not retired - helps get a good night's sleep.

Could you give some examples or recommend some ETFs that would help to hedge an expat's portfolio?

How do the highest technical sell signals make these Dogs of the Dow? To my understanding 'Dogs of the Dow' has a specific meaning, i.e., having the highest dividend yield at the beginning of the year.

What investors are left in the Greek banks? Are there any international funds stuck there?

Hi Paul, Are you saying they didn't upgrade BBBY enough? It's been trading above $66 since October and is well up now, so I agree. What were they thinking?!?

Mr. Shaefer, do you change your definition of 'lifetime' - or the allocations - according to the investor's age?

Do you have a reference/link to the 'ghost town'? Not aware of an increase lately.