There's a perfect storm brewing on Europe's horizon a combination of tentative markets, sluggish growth prospects, and a demographic time bomb that will see the ratio of workers to retirees plummet dramatically over the next 40 years. The result; as state budgets shrink, Europe's consumers will have to rely more on themselves for things they once took for granted like retirement benefits and comprehensive health care. For some, that will mean entering the investment culture for the first time just when the outlook is bleak. For others, it will mean holding their noses and forging ahead despite lousy...
