Personal Finance
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Personal Finance | LATEST STORIES
Tax Season Is Here—Here’s What You Need to Know for Stress-Free Filing
Don’t wait until the last minute: new deductions and filing updates could mean a larger refund for 2025.
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Mortgage Recast Versus Refinancing: Which Works for You?
Lower your mortgage payment with a recast or refinance. The right move depends on your loan type, rate, and financial goals.
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Average Tax Refunds Jump by Nearly 11 Percent, Early IRS Data Show
The One Big Beautiful Bill Act brought widespread changes in the tax code, including an increase in the standard deductions.
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How Your Investing Philosophy Shapes Long-Term Wealth and Simplifies Decision-Making
A clear investing philosophy helps you avoid emotional mistakes, simplify decisions, and stay consistent through market ups and downs.
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I Waited Until 75 to Retire With $1.4 Million—Do I Have to Follow the 4% Rule?
Older retirees can often spend more—but need a smart plan.
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Protect Your Social Security and Medicare Numbers
Your Social Security and Medicare numbers are valuable—know when not to share them.
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4 Smart Moves to Cut Your 2025 Tax Bill Under New Rules
The OBBBA’s limited-time tax breaks offer real savings—if you understand the rules, phaseouts, and timing.
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Is Your Portfolio Too Complicated? The Hidden Cost of Owning Too Many Funds
Simplicity wins: Three to 10 funds typically outperform bloated portfolios packed with overlap.
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Should You Pay for Mortgage Points?
Pay more upfront to save over time? Mortgage points can reduce your rate—but only if the math works in your favor.
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How Much Money Do You Need to Retire at 65 When You Might Live to 100?
If retirement could last until age 100, the old rules no longer work. Here’s how much you may really need—and why.
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How Should I Invest a $50,000 Inheritance?
A $50,000 windfall can jump-start your long-term wealth—if you put it in the right accounts and invest it wisely.
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When Does Homeowners Insurance Cover Mold?
Mold damage is costly and usually excluded from homeowners insurance—but certain situations and endorsements may offer coverage.
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What You Need to Know About Social Security Taxation
You paid into Social Security for decades, but your benefits may still be taxed in retirement—here’s how it works and how to lower the bill.
|
Mortgage Options: Which Is Better for Buying a Home?
A fixed-rate mortgage offers stability, but the term you choose can dramatically affect your finances. Here’s what to know before you decide.
|
Beyond FICO: A Strategy for Productive Debt or Personal Leverage
Not all debt is bad: Productive debt builds assets and cash flow, while consumer debt funds depreciating expenses.
|
How to Reduce the Impact of RMDs
Managing required minimum distributions is a key part of protecting retirement income and minimizing taxes.
|
Trump Accounts Designed to Democratize the Stock Market
By investing early and consistently, Trump Accounts could help families build long-term wealth for their children.
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What You Need to Know Before Making Financial Gifts
Gifting to loved ones is often tax-friendly, but understanding the rules and choosing the right account can make your gift far more effective.
|
Roth Conversions: When They Make Sense—and When They Don’t
A Roth conversion can unlock tax-free growth and flexibility in retirement, but the decision hinges on timing, tax brackets, and cash flow.
|
Do You Need a Separate Insurance Policy for Valuables?
Homeowners policies have limits on high-value items, so extra coverage is often needed.
|
Tax Season Is Here—Here’s What You Need to Know for Stress-Free Filing
Don’t wait until the last minute: new deductions and filing updates could mean a larger refund for 2025.
|
Mortgage Recast Versus Refinancing: Which Works for You?
Lower your mortgage payment with a recast or refinance. The right move depends on your loan type, rate, and financial goals.
|
Average Tax Refunds Jump by Nearly 11 Percent, Early IRS Data Show
The One Big Beautiful Bill Act brought widespread changes in the tax code, including an increase in the standard deductions.
|
How Your Investing Philosophy Shapes Long-Term Wealth and Simplifies Decision-Making
A clear investing philosophy helps you avoid emotional mistakes, simplify decisions, and stay consistent through market ups and downs.
|
I Waited Until 75 to Retire With $1.4 Million—Do I Have to Follow the 4% Rule?
Older retirees can often spend more—but need a smart plan.
|
Protect Your Social Security and Medicare Numbers
Your Social Security and Medicare numbers are valuable—know when not to share them.
|
4 Smart Moves to Cut Your 2025 Tax Bill Under New Rules
The OBBBA’s limited-time tax breaks offer real savings—if you understand the rules, phaseouts, and timing.
|
Is Your Portfolio Too Complicated? The Hidden Cost of Owning Too Many Funds
Simplicity wins: Three to 10 funds typically outperform bloated portfolios packed with overlap.
|
Should You Pay for Mortgage Points?
Pay more upfront to save over time? Mortgage points can reduce your rate—but only if the math works in your favor.
|
How Much Money Do You Need to Retire at 65 When You Might Live to 100?
If retirement could last until age 100, the old rules no longer work. Here’s how much you may really need—and why.
|
How Should I Invest a $50,000 Inheritance?
A $50,000 windfall can jump-start your long-term wealth—if you put it in the right accounts and invest it wisely.
|
When Does Homeowners Insurance Cover Mold?
Mold damage is costly and usually excluded from homeowners insurance—but certain situations and endorsements may offer coverage.
|
What You Need to Know About Social Security Taxation
You paid into Social Security for decades, but your benefits may still be taxed in retirement—here’s how it works and how to lower the bill.
|
Mortgage Options: Which Is Better for Buying a Home?
A fixed-rate mortgage offers stability, but the term you choose can dramatically affect your finances. Here’s what to know before you decide.
|
Beyond FICO: A Strategy for Productive Debt or Personal Leverage
Not all debt is bad: Productive debt builds assets and cash flow, while consumer debt funds depreciating expenses.
|
How to Reduce the Impact of RMDs
Managing required minimum distributions is a key part of protecting retirement income and minimizing taxes.
|
Trump Accounts Designed to Democratize the Stock Market
By investing early and consistently, Trump Accounts could help families build long-term wealth for their children.
|
What You Need to Know Before Making Financial Gifts
Gifting to loved ones is often tax-friendly, but understanding the rules and choosing the right account can make your gift far more effective.
|
Roth Conversions: When They Make Sense—and When They Don’t
A Roth conversion can unlock tax-free growth and flexibility in retirement, but the decision hinges on timing, tax brackets, and cash flow.
|
Do You Need a Separate Insurance Policy for Valuables?
Homeowners policies have limits on high-value items, so extra coverage is often needed.
|