The cap has been tossed, the diploma framed, and now your high school graduate is officially a legal adult. Whether they’re college-bound, heading into the workforce, or taking a gap year to figure things out, turning 18 is more than…
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How to Handle a Low Basis Concentrated Position (Without Losing Sleep or a Fortune)
Let’s talk about a very “good problem” to have – being stuck with a boatload of stock that’s worth millions… but with a cost basis that barely buys lunch at Whole Foods. Here’s an example: John has over 50,000 shares…
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Individual Bonds vs. Bond Funds: Which One is Right for You?
When it comes to investing in bonds, you’ve got two main choices: individual bonds or bond funds. Both can provide steady income and diversification, but they work in very different ways. Some investors like the predictability of individual bonds, while…
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March Madness Strategies That Work for Your Finances
Picture this: You’re huddled around the TV with friends, snacks everywhere, frantically checking your March Madness bracket as another underdog pulls off an upset. Your carefully crafted picks – based on stats, gut instincts, and maybe a little superstition –…
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Social Security Changes Ahead: What the End of the Windfall Elimination Provision Means for You
2024 ended with some major changes – one of which was the passing of the Social Security Fairness Act. This bipartisan bill was designed to repeal the Windfall Elimination Provision (WEP) and the Government Pension Offset (GPO), two rules that…
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Lost 401(k) Accounts? Find Them in the Retirement Savings Lost and Found Database
Back in the day, many people found a job in their 20s and stuck with it until they could retire and claim their pension. However, times have changed, and according to recent data, the average person in the United States…
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Separating Fear from Fact in Market Valuations, Taxes, and Social Security
Remember when we didn’t have access to breaking news every second? We’d wait for the newspaper or the nightly news to get information and then move on with our lives. Now, we are inundated with bulletins and can’t seem to…
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