Word: rates
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Dates: during 1990-1999
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That's not surprising. The cost of prescription drugs has soared in recent years. By one estimate, drug prices have risen about 12.2% annually since 1993, and this at a time when total health-care costs are rising at a more manageable 5.1% rate. The hikes are particularly rough on the elderly, who--not surprisingly--spend three times as much on drugs as the rest of the population. What's more, insurance coverage for prescription drugs is a big problem for many seniors. Medicare doesn't cover prescription drugs unless they are associated with a hospital stay. True, about...
...good news is that the sweeping reforms approved in 1997 have for the most part been phased in. While there isn't a lot that's new this year, lawmakers have plenty of big new ideas. They always do. Some want to lower the capital-gains tax rate, now 20% at the federal level for most people who hold an asset longer than one year. That's down from 28% a few years ago, and it could be pushed to 15%. Another hot topic is the so-called death tax. Republicans want to eliminate the tax on estates, which...
...income. If you'll be retiring soon, new contributions might not have enough time to grow tax-deferred. You might be better served putting new savings into a tax-efficient mutual fund, like an index fund. When you cash that in after one year, you pay the capital-gains rate on your earnings, typically lower than the income-tax rate you pay on IRA withdrawals...
...like a routine inspection, but on a much grander, million-man, scale. Every month, in an arcane and complicated ritual tracking thousands of troops, tanks and tarpaulins, Army bean counters rate the readiness of each of the service's 10 divisions. Troops, weapons, logistics and training are all measured, then reviewed by commanders and tweaked if the results might give a misleading impression of a division's fitness to fight. The grades range from C-1--fully ready to wage war--to C-4, unprepared for battle. The marks warn the Army of impending problems and help the generals know...
Little Tree estimates that at least 1,000 of the 8,000 Mohawks currently living on the reserve are involved in the trade. The reservation has an unemployment rate of almost 40%. "There are some big guys in it, maybe 100, but mostly it is kids or anyone else who needs money to fix a car or go on a date," says Little Tree. "They can pick up $500 for a few minutes' work...