The August personal finance newsletter is now available. It features a Q&A on the debt ceiling, downgrade, and market response. Plus there’s a follow-up on the ABCs of Trusts article from last month’s newsletter, suggestions on talking with your high school student about college costs, an analysis of the real costs of keeping your long-term investment assets in cash, an overview on the difference between Medicare and Medicaid, and more. To read the newsletter, click here.