Practical End-of-Year Financial Planning

If you’ve been scrolling through social media, you’ve likely come across posts about ‘year-end tax planning’ or ‘financial to-dos before the year-end.’ But what are the genuinely crucial considerations most of us should focus on?

To start, you might want to contemplate realizing capital losses in the taxable portion of your investments. This can serve as […]

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Work-Life Balance Across the Globe

In the realm of paid vacation days, American workers often find themselves with fewer days off compared to their international counterparts. Surprisingly, there’s no federally-mandated number of paid vacation days in the American business landscape. Another telling metric to assess a country’s work culture is the number of hours worked per week or year.

The figures […]

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Understanding the latest Trends in the Economy

With a backdrop of diminishing stock returns and looming recession speculations, one might wonder: what’s the real state of the U.S. economy?

The economic indicators present a mosaic of insights. A rise in the unemployment rate from 3.5% to 3.8% in August might raise eyebrows. However, the silver lining appears when observing the labor force participation […]

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Seizing Opportunities Amid Market Slumps

We may not have the foresight to predict market slumps, but it’s always wise to be prepared for them. Given the recent stagnation in the market, such preparation might soon prove beneficial.

A market decline often presents a myriad of strategic avenues, albeit temporary, for astute investors. One prominent strategy is loss harvesting. In this approach, […]

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Financial Behavior in Retirement Years

Traditional retirement planning models usually assume that our spending habits will remain consistent during retirement-simply adjusting each year for inflationary increases in the cost of living, travel, dining out, and other activities.

However, is this assumption accurate? A recent study conducted by the RAND Corporation, using data from the University of Michigan’s Health and Retirement Survey, […]

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Influential Passports: A Global Perspective

A U.S. passport primarily serves as a travel document, allowing you to enter foreign countries. With an American passport, you can journey to 184 out of 227 countries and territories without applying for a visa. Considering the appeal of American tourists globally, you might assume that the U.S. passport would be the world’s most potent […]

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Intricacies of Bond Investments

At a glance, bond investing seems straightforward. You purchase a bond, effectively lending its face value to an entity—be it a corporation, a municipal organization, or the U.S. government. They, in turn, pay you a predetermined interest at set intervals throughout the bond’s term. Once the term concludes, your original investment is returned.

Seems simple, doesn’t […]

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The Social Security Choice

If you have at least 10 years of work history, then reaching Social Security age comes with some choices – begin drawing on your Social Security benefit or wait? Should you begin to take those benefits as soon as you reach 62 years? One could invest the income received. Or, should you wait until full […]

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New Technology for Chronic Pain

The CDC reported, in 2019, that just over 20% of adults had chronic pain. This can include neuropathic pain (caused by damaged nerves), nociceptive pain (caused by pain receptors which are activated in an injury but never turn back off), somatic pain (related to joint injury or arthritic conditions, sometimes to muscle pain), or […]

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Medical Revolution

The future of medicine is happening now, even if it will not land in our medicine cabinets for another 5 to 10 years. Virtual doctor appointments are becoming common place, mental health services are available via text, birth control can be ordered online through a portal – no visit needed. The focus will […]

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