3 Ways Obama's Saving Initiatives Will Affect Your Retirement The goal is to help the millions of Americans who are putting away too little—or nothing—for their golden years. But will these modest approaches really help? A Tougher Stance On Tax Havens A decades-long tolerance of the 90 or so tax havens around the world is giving way to a tougher resolve among major industrial nations to crack down on tax evaders. 5 Lessons From The Crash One year ago a perfect storm on Wall Street nearly destroyed your portfolio - and our financial system. Now it's time to take stock. Transfer Pricing: A World of Pain China, India, and other once tax-friendly domains look to squeeze U.S.-based multinationals on sales between subsidiaries. The End of Retirement? Millions are still working at age 70, 80, even 90. Is that a temporary change, exacerbated by the recession, or the new normal? If It's Jobless, Can It Be Called A Recovery? Until the labor market turns around, the phrase "economic recovery" will ring hollow to many Americans, particularly those who have grown so discouraged that they're no longer looking for work. The Cupcake Bubble Better enjoy that vanilla cupcake with espresso-ganache icing today, because the cupcake crash is coming! IRS To Mine Payment Data On Mortgages The Internal Revenue Service will expand a program designed to catch tax cheats that searches for inconsistencies between mortgage payments and income. 5 Small-Business Expenses To Cut—And 5 To Keep When times are tough, it makes sense to reduce company outlays. But some economies will hurt you in the long run. Dodging Credit-Card Reform Card issuers are already proposing new fees and thinking up ways to subvert interest-rate restrictions. Between A Rock And A Hard Place Will policymakers in the United States and the United Kingdom know when to begin tightening monetary policy? Don't count on it. Is The World Losing Faith In The U.S. Dollar? A declining dollar drives up the cost of living, makes imports of manufactured goods and commodities more expensive, and reduces the value of foreign investments when converted to dollars. Moving UGMA Money Into A 529 Plan For parents with old-style custodial accounts, switching to a 529 could improve chances for financial aid. But there are other factors to consider, too. Don't Get Scammed By ID Thieves Identity theft is on the rise, and one hacker recently stole data about 130 million credit cards. Here's how to avoid becoming the next victim. Could Insurance Reform Lower Your Premium? A hefty homeowner's insurance bill has been the cost of living in paradise, ticking off residents and insurance agents in coastal and other disaster-prone areas. Two bills in Congress might—or might not—help. Social Security Still Troubles Young And Old Despite the economy taking center stage, old fears, issues, and generational tensions about Social Security still exist—and may even be exacerbated by the current economic climate. Links Disclosure: Links to other sites are provided for your convenience. Moss Adams Wealth Advisors does not endorse, verify or attest to the accuracy of the content of the web sites that are linked and accepts no responsibility for their use or content. ©2010 Advisor Products Inc. All Rights Reserved.