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[quote=jsteele]Social Security is not in trouble as far as you and your parents are concerned. You are welcome to forgo benefits if you wish, but there is really no need. To the extent that Social Security faces problems down the road, there are a couple of easy fixes. However, most of the Chicken Littles warning about Social Security should not be trusted.

Just imagine Wall Street as being a giant vacuum sweeper trying to suck up every dollar in sight. Right now, there are billions of SS funds that are out of its reach. All this talk about "private accounts" and so on is merely an attempt to take those dollars and give them to Wall Street. Don't fall for it.

Medicare is a tougher nut. The key to saving it is controlling medical expenses. Most reform suggestions focus solely on cuts. That just passes the buck, so to speak. Medical needs for the elderly don't go away just because the government refuses to pay for them. If this is the type of reform that goes forward, I suggest investing in ice flows, because there will be a huge demand among our elderly.
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