The main problems are insufficient diversification and the failure to pick age-appropriate strategies - that is, more aggressive when you're younger, and more conservative when you approach retirement. But even then you have to invest for growth.

Journalists cover words and delude themselves into thinking they have committed journalism.

This is precisely the purpose of censorship - not only to block unwanted views, but to keep people who are unhappy from knowing how many millions of others share their unhappiness to keep the dormant opposition from awakening to its own developing strength.

Television's compelling power is its immediacy . .. this immediacy feeds the politics of emotions, gut reactions and impressions rather than the politics of logic, facts and reason it emphasizes personality rather than issues.

It is absolutely stunning. You cannot read numbers that communicate what the reality is. That's part of what I'm trying to get across and that's partly why I use video.

Only if enough ordinary Americans speak up and demand better from both their employers and their government is the system going to get fixed. But first of all, we have to understand how serious the problem is.

I personally make sure that some of my investments are in foreign securities or in international commodity portfolios that are independent of the US dollar. But that's a personal preference. I do not invest in currencies because it's so complicated and so risky. I would not attempt that without excellent professional help.

One of the strongest lessons I learned in doing six months of work on retirement topic was how absolutely crucial the Social Security system is for the great mass of Americans. The research of professionals and our own reporting convinced me that many millions of people are not capable of effectively managing the finances for their own retirement.

Russians will consume marinated mushrooms and vodka, salted herring and vodka, smoked salmon and vodka, salami and vodka, caviar on brown bread and vodka, pickled cucumbers and vodka, cold tongue and vodka, red beet salad and vodka, scallions and vodka-anything and everything and vodka.

Less money for retirees means less purchasing power means less economic growth overall. It's a big problem.