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The Independent Investor: Senior Housing Set to Soar
By Bill Schmick,
04:23PM / Thursday, September 03, 2015

United States demographics indicate that the senior population in this country is growing at twice the national average. As more and more Baby Boomers retire in the years ahead the demand for senior housing is set to skyrocket.

Independent living facilities, where the elderly are still active and relatively healthy, are driving the growth in the overall retirement market. Occupancy rates have reached 91.3 percent and the overall growth rate in this sector is averaging about 6 percent a year. Since seniors will represent 20 percent of the U.S. population by 2030, according to the U.S. Census Bureau, this segment of the housing market will continue to grow.

The demand for these

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The Independent Investor: The Marijuana Market
By Bill Schmick,
05:40PM / Friday, August 28, 2015

Only four states have legalized marijuana for recreational use so far. Another 23 have given the nod for using cannabis for medical usage. Today it is a $2.7 billion industry that is set to grow substantially in the years ahead if more states jump on the band wagon.

Whether legalization is a fad or a trend in this country will have to wait until the next election cycle in 2016. Legalizing the drug will most likely be on the ballot in several more states. Researchers from California-based The ArcView Group, a cannabis investment and research firm, predicts that 14 more states will legalize marijuana while two more will legalize medical marijuana next year. In addition, at least 10

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The Independent Investor: Not All Bonds Are the Same
By Bill Schmick,
07:44PM / Thursday, August 20, 2015

Bondholders are holding their breath as they wait for the Federal Reserve Bank to begin hiking short-term interest rates. Most investors are expecting all bonds to take a hit at the outset of the country's first rate hike in nine years. What happens after that may surprise you.

Prior to the financial crisis and the stimulus policies instituted by the Fed to solve it, bond investors could count on a fairly predictable pattern of behavior among bond categories as interest rates rose. Historically, the Fed would begin to raise rates when they perceived the economy was growing too quickly. Why?

Because normally, unbridled economic growth will result in higher inflation, which

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The Independent Investor: The Risk of Rising Rates
By Bill Schmick,
01:21PM / Friday, August 14, 2015

Conservative investors are becoming increasingly concerned that their bond holdings may be at risk. If and when the Federal Reserve Bank hikes interest rates this year, will bond holders be caught holding the bag?

It depends. The short answer would be that when interest rates rise, bond prices fall, if all else remains equal. That's because bonds have two sources of returns: changes in price and interest payments that move in opposite directions. If you hold your bond investment until the date it matures (whether that is a few months or as long as thirty years), you receive all the interest payments the bond pays out plus your original investment money back  at maturity

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The Independent Investor: Boomers' Kids Don't Want Your Stuff
By Bill Schmick,
05:39PM / Thursday, August 06, 2015

You saved all your life, acquiring all sorts of assets that you now want to leave to your children. Today, more and more Baby Boomers are finding that their kids just don't want that antique auto or that original oil painting.

Too many of us fail to recognize that the Millennial generation has grown up with an entirely different view of the world, their possessions, one's life style and even value system. This may come as a shock. It did to me. As readers may recall, my wife and I have been downsizing for three years now. During the course of this process, we have offered our thirtysomething daughter and her husband all sorts of stuff that they didn't want. From

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