The bull market of the last 20 years means Americans are increasingly being asked to make big decisions about big sums of money. It pays to get professional advice, which can make a critical difference in how and when one retires. Relying on genes and luck is just an excuse for inaction.

Americans have historically thought about health care and retirement as separate issues, but they are now converging. Whether you're paying for a hip replacement, a grandson's education or a Mediterranean cruise, at 70 it all comes out of the same pocket. In the coming years, the nexus between health and money will grow even clearer.

The longer one lives, the more dollars one will need to have saved. From a planning perspective, you need to prepare for the best -- not the worst. Americans need to manage through retirement -- not to retirement.

It is unacceptable to subject Americans in Moscow to any substance that is not present in the general environment.

This Thanksgiving Americans are especially thankful for our freedom and we are especially thankful to you, the people who keep us free,

[It was] America's scrapbook.