So even with the assumption that money market rates climb two full percentage points from where they are now, the intermediate-term investments do not leave you worse off.

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One cannot argue that we must reduce our deficit so that we do not leave our children worse off than our own generation while delivering to them a nation of broken down roads and bridges operated by systems that belong to an era that should already be relegated to history books.

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Yet while most Americans say that would like to remain in the workforce past the traditional retirement age of 65, the fact is many do not leave by choice but by force, either due to lay-off or a health care crisis.

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