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Whether you’re shopping online or hitting the mall this holiday season, here are some tips that might help you save time and money. 1. Make a list. Establish an overall budget, then…

There are two ways to obtain Medicare coverage: (1) Original Medicare (Part A hospital insurance and Part B medical insurance), often combined with a Medigap supplementary policy and a Part D prescription…

A will is a fundamental estate planning document. It outlines how you wish your property to be distributed, who should handle matters related to settling your estate, and who you want to…

In March 2023, two of the largest bank failures in history alarmed savers who worried their own bank accounts could be at risk and investors who feared a wider financial crisis. To…

For the second year in a row, the Free Application for Federal Student Aid, commonly known as the FAFSA, will be delayed. The FAFSA for the 2025–2026 school year will open on…

If you have a traditional pension : also called a defined benefit plan : when you retire, your plan may offer several payout options, including a qualified joint and survivor annuity (QJSA)…

The Economic Impact of an Aging World During the week of June 10, 2024, French markets were rocked by a government bond sell-off after a strong showing by the far-right National Rally…

Your life insurance needs change as your life changes. When you are young, you may not have a need for life insurance. However, as you take on more responsibility and your family…

If you earn money through a payment app or online marketplace, you may be affected by a tax reporting change enacted by the 2021 American Rescue Plan. The law requires third-party settlement…

529 plans were created in 1996 to give families a tax-advantaged way to save for college. Roth IRAs were created a year later to give people another tax-advantaged way to save for…

Did you know that if you postpone claiming Social Security past your full retirement age, you have the option of receiving a lump-sum payment for up to six months of benefits when…

An equity real estate investment trust (REIT) uses the combined capital of many shareholders to buy and operate residential, commercial, and industrial income properties. Equity REITs of all stripes are listed on…

Most home improvements are not tax deductible : with one possible exception. In certain situations, you may be able to deduct improvements deemed necessary for medical reasons (not just beneficial to general…

New vehicle prices have skyrocketed these past few years, with the cost averaging well over $48,000 toward the end of 2023.1 These increased costs, coupled with rising interest rates, mean that buying…

Each month, researchers at the University of Michigan ask hundreds of consumers what they think about present market conditions, the job market, their personal finances and buying intentions, as well as the…

The Federal Reserve’s Survey of Consumer Finances (conducted every three years) revealed that the average net worth of U.S. families surpassed $1 million ($1,063,700) for the first time in 2022, after increasing…

The SECURE Act of 2019 dramatically changed the rules governing how IRA and retirement plan assets are distributed to beneficiaries. The new rules, which took effect for account owner deaths occurring in…

Scam artists often prey on those who are most vulnerable. Unfortunately, this includes individuals who have recently lost a loved one and are easily taken advantage of during their time of grief.…