Executive Summary Researchers conducted a study to see what factors lead to greater burnout among entrepreneurs. Specifically, they looked at whether job passion, job fit, and destiny beliefs (the belief that a successful entrepreneurial career is “meant to be”) make entrepreneurs more likely or less likely to experience burnout. These factors have been shown to […]
There needs to be more to your retirement planning than just a stock portfolio. You need a plan in place to protect it. Did you ever have a good dream suddenly take an awful turn — so awful you woke up and your heart was pounding? SEE ALSO: The Biggest Risk Retirees Face Right Now […]
Perhaps encouraged by the recent decision in Marasse Estate, we have another recent case from the Alberta Court of Queen’s Bench addressing an estate’s ability to claim spousal support and its liability to pay spousal support. Stalzer v Stalzer, 2018 ABQB 191 is reassurance to estate planning and family law practitioners that a person’s obligation […]
Source: Adler Pollock & Sheehan P.C. This article was originally published on Adler Pollock & Sheehan P.C. – https://www.apslaw.com/ One of the primary objectives of estate planning is protecting your assets from unreasonable creditors’ claims, frivolous lawsuits or financial predators ― the reason being that you want to pass as much of your wealth […]
While going with a broad basket of commodities makes sense, investors who want to be more tactical and select only one or two. McDonald from Bear Traps Report says it may be wise to focus on agricultural or “soft” commodities, and cites three catalysts. First, there’s “La Niña,” a weather pattern marked by cooler sea […]
Rising federal spending bodes well for all makers of military hardware and services. But these will do better than most. By James Brumley, Contributing WriterApril 3, 2018 The U.S. government is planning to spend substantially more on defense. That bodes well for all makers of military hardware and providers of military logistics services. However, some […]
Dan Cable, a professor of organizational behavior at London Business School, explains why people often lose their enthusiasm for their work and how leaders can help them get it back. He says we shouldn’t forget that as humans we all need to explore and have purpose — and without that, we languish. Cable offers ideas […]
Why you should decide the fate of your email, Facebook and other online accounts. When you created your estate plan, the fate of your e-mail, Facebook and other online accounts probably wasn’t your top concern. But if you haven’t made plans for your digital afterlife, now is the time to take action. SEE ALSO: 10 […]
Executive Summary Interviews with 65 entrepreneurs reveal the most common fears that startup founders share and also, somewhat surprisingly, that these fears can be helpful. While fear often does inhibit action, some fears can motivate us to work harder. The study found that worries concerning opportunity costs, financial security, or their ability to obtain funding were […]
Source: Kiplinger This article was originally published on Kiplinger – https://www.kiplinger.com/ Federal workers and military personnel can save up to $18,500 in TSP retirement accounts, $500 more than in 2017. Some savers can make additional catch-up contributions. Employees of the federal government and members of the military can save hundreds of dollars more for […]
Source: Kiplinger This article was originally published on Kiplinger – https://www.kiplinger.com/ Symbol: FSICX Expense Ratio: 0.69% Fidelity Strategic Income balances higher quality, investment-grade bonds with junkier, higher-yielding bonds to deliver protection in down markets and more income than the bonds in the Bloomberg Barclays U.S. Aggregate Bond index. Managers Ford O’Neil and Adam Kramer […]
April 3, 2018 Symbol: TCMPXExpense Ratio: 1.38% AMG TimesSquare International Small Cap Fund focuses on firms with market values of $5 billion or less, but the fund can invest in businesses valued between $16 million and $8.3 billion. Magnus Larsson and Robert Madsen run the fund with three analysts. Although headquartered in New York, the […]
Executive Summary If you can’t remember the last time you had a glass of organic wine, you are hardly alone. Worldwide, less than 5% of vineyards are organic, and in the U.S., the world’s largest consumer of wine, organic wine accounts for less than 1% of sales by volume. But plenty of other organic products, including […]
Executive Summary Rising health care costs, a shortage of physicians, and a rapidly aging population are making the traditional model of care increasingly unsustainable. But new uses of virtual health and digital technologies may help the industry manage these challenges. A number of new technologies are helping to move elements of patient care from medical […]
Surprise! Some of the money “facts” people have counted on for years when making important financial decisions are really just myths. Time to separate fact from fiction. If you want to build your wealth, it’s never been easier to learn how to do that, thanks to the Internet. SEE ALSO: House Hunters: Learn from My […]
Many parents fail to get their financial affairs in order, neglecting to take care of such things as wills, living wills and powers of attorney. But even those who think they’ve covered all of their bases often leave one of the most important tasks undone: They fail to talk to their adult children about the […]
Source: JD Supra This article was originally published on JD Supra – https://www.jdsupra.com/ Your first step to building a free, personalized, morning email brief covering pertinent authors and topics on JD Supra: Privacy Policy (Updated: October 8, 2015): hide JD Supra provides users with access to its legal industry publishing services (the “Service”) through […]
How many times have you heard an executive assign familiar aphorisms to business challenges–and you just know it’s a means to justify bad behavior? They might say “business isn’t personal” as an excuse for sub-par treatment of others. Executives demand that employees “do more with less,” but then don’t allow people to focus on less. […]
The clock is ticking for those still not done preparing their 2017 tax returns. To help beat it, keep these five timely tips in mind. If you expect to file your 2017 tax returns at the last minute, you’re not alone. Approximately 40 million Americans waited until the last few days before the deadline to […]
In In re Estate of Moore, the court of appeals addressed the proper procedure for removing an acting trustee and appointing a successor trustee. No. 08-14-00298-CV, 2018 Tex. App. LEXIS 1950 (Tex. App.—El Paso March 15, 2018, no pet. history). A beneficiary filed a motion to remove a trustee, but did not serve notice of […]
Executive Summary If you’re struggling to let go of some of your perfectionistic tendencies, or managing someone who is, it can be helpful to remember the ways perfectionists can self-sabotage in the workplace. Among these are struggling to make decisions (because none of them seem optimal), worrying over sunk costs, avoiding challenges (to avoid failure), […]
Executive Summary Poor data quality is enemy number one to the widespread, profitable use of machine learning. The quality demands of machine learning are steep, and bad data can rear its ugly head twice both in the historical data used to train the predictive model and in the new data used by that model to […]
Executive Summary Investments in the U.S. health care system woefully underperform relative to those made in health care in other countries. One reason is because we invest so much in services that are clearly low-value – i.e., offer little or no clinical benefit relative to the cost – and likely many more where the returns […]
Source: HBR.org This article was originally published on HBR.org – https://hbr.org/ Executive Summary An analysis of 150 senior teams showed that the ones who solve problems the fastest tend to be cognitively diverse. But this isn’t always true — sometimes, those teams still struggle. So what separates the best teams from the rest? It turns […]
A little proactive planning now to help minimize your RMDs in the future can save you thousands of dollars in retirement. There are so many decisions you have to make when you’re planning for retirement, it can be tempting to delay the ones that seem as though they can wait. SEE ALSO: How to Be […]
Source: Kiplinger This article was originally published on Kiplinger – https://www.kiplinger.com/ A monetary blast from the past: To understand today’s new cryptocurrencies, it helps to take a look at how currencies evolved in the first place. Kids love stories and make-believe, so why not share the story of bitcoin with your grandkids? I realize […]
Taken together, the Uniform Trust Code (UTC) and the Uniform Probate Code (UPC) have inflicted on equity a hodgepodge of poorly coordinated, sometimes overlapping, provisions that would regulate the validity and enforceability of nonjudicial agreements entered into by trust beneficiaries: • UTC §111 [nonjudicial settlement agreements generally] • UTC §411 [modification/ termination of non-charitable irrevocable […]
Your first step to building a free, personalized, morning email brief covering pertinent authors and topics on JD Supra: Privacy Policy (Updated: October 8, 2015): hide JD Supra provides users with access to its legal industry publishing services (the “Service”) through its website (the “Website”) as well as through other sources. Our policies with regard […]
Executive Summary Your boss sits you down for some tough feedback: You are not conscientious enough. She points out that you have missed several deadlines, and shown a pattern of failing to remember important details. If you have ever gotten feedback like this, and wanted to do something about it, you are not alone. But can you change something […]
Usually, you can wait until April 1 to take your first RMD. But the deadline falls on a holiday weekend this year, so you’ll need to act sooner. Getty Images By Kimberly Lankford, Contributing Editor March 30, 2018 QI turned 70½ last year and took part of my required minimum distribution in 2017, and I’m […]
Do you park your money in an index fund and forget it or pay a manager to go all out to beat the market? Consider an alternative to help you ride the waves without wiping out: The Sunset Beach Portfolio. Nothing is more important to long-term investment success than a clear investment philosophy. And nothing […]
Trina Dalziel/Getty Images The relentless rise of online retailers has led to deep soul searching among brick-and-mortar retailers to find ways to compete. The traditional methods of competing through convenience, assortment, and pricing are largely ineffective against online retailers who outperform brick-and-mortar retailers in these dimensions. The last arrow in the quiver is to use service […]
Market value: $721.8 billion Alphabet (GOOGL, $1,005.18), parent of the Google search engine, didn’t invent the cloud. It was merely the first to see the need to combine virtual operating systems in which any program can run; distributed computing that could share a program load among many machines; and massive scale, based on open-source software […]
Executive Summary One common theory about overconfident beginners is that they start that way. They start a new task or job as “unconscious incompetents,” not knowing what they don’t know. Their inevitable early mistakes and miscues prompt them to be consciouss of their shortcomings. New research, however, suggests the opposite. Absolute beginners can be perfectly conscious and cautious about […]
Executive Summary Nearly 800 digital health startups were funded in 2017, an all-time high. Each of the new companies offers the hope of transforming the performance of the U.S. health care system. The audience for such innovation wants to be receptive: A recent American Hospital Association (AHA) survey found that 75% of senior hospital executives endorsed the importance […]
Executive Summary Something important is going on in the world of commercial vehicles. Recently, UPS made an important announcement about its plans to roll out 50 new midsize electric delivery trucks in Atlanta, Dallas, and Los Angeles. The headline is that, for the first time, the electric trucks are expected to cost the company no […]
Source: HBR.org This article was originally published on HBR.org Each year, BlackRock, the world’s largest asset manager, sends a much-anticipated letter to leading CEOs. This year, chief executive Larry Fink’s focus was on why it is imperative for business to contribute to society. One of the first big issues he highlighted was retirement: “Many [individuals […]
Alberta Courts have been busy on the topic of costs in estate litigation in the past few months. Four recent decisions issued out of three judicial centres in Alberta provide a good reminder of just how unpredictable litigation is and the Court’s wide discretion in compensating parties for their litigation expenses. General principles If there […]
Your first step to building a free, personalized, morning email brief covering pertinent authors and topics on JD Supra: Privacy Policy (Updated: October 8, 2015): hide JD Supra provides users with access to its legal industry publishing services (the “Service”) through its website (the “Website”) as well as through other sources. Our policies with regard […]
Executive Summary Far too little time and focus is devoted to how to change existing habits and behaviors, which are often the greatest barriers to personal growth. Behavioral science sheds some light on how we can change our habits. The first step is considering your ideal future state and the obstacles you expect to face on […]
Executive Summary Over the past year, the healthcare industry found itself under constant attack. Cybercriminals targeted vulnerable clinical networks and poor controls to gain privileged access to medical devices and databases on an almost daily basis. And the threats are only getting more serious. Hospital security decision makers typically understand these details and constantly worry that […]
Source: Investor Place This article was originally published on Investor Place – https://investorplace.com/ Fink, for those who are unaware, is the CEO of BlackRock (BLK), the world’s largest asset manager with $6.3 trillion under management. That’s a tremendous responsibility — one that Fink takes so seriously, that’s he not afraid to step on toes […]
Source: Kiplinger This article was originally published on Kiplinger – https://www.kiplinger.com/ Make a fresh start for your investing outlook this spring by trying these three moves. After a bumpy start to the new year, stock markets seem to have settled down a bit. But even if bullish trends remain intact, it’s a fair bet […]
Source: Fox Rothschild This article was originally published on Fox Rothschild – https://www.foxrothschild.com/ Succession plans ask what will happen when the principal owner/operator is not available. A succession plan may be coordinated with an estate plan, which contemplates dispositive transfers through sale, and other means. The disposition can also occur by wills and trusts, […]
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To combat cybersecurity threats, companies are spending millions of dollars in malware protection, firewall solutions, and security consulting. Yet even with these expensive measures, most are unaware of their greatest vulnerabilities. That’s because cyber criminals are opportunists who seek the path of least resistance. Rather than wasting efforts attacking hardened firewalls, they instead snoop out […]
With all the changes in the new tax laws, some people may be hesitant to move forward with an estate plan. It is important, however, to keep in mind that most clients will not be subject to the federal estate tax and therefore the changes to the federal estate tax laws do not impact planning. […]
Your first step to building a free, personalized, morning email brief covering pertinent authors and topics on JD Supra: Privacy Policy (Updated: October 8, 2015): hide JD Supra provides users with access to its legal industry publishing services (the “Service”) through its website (the “Website”) as well as through other sources. Our policies with regard […]
There’s a good chance that some (or all) of the income you receive from any annuity you own is taxable. If you purchased an annuity that provides income in retirement, the portion of the payment that represents your principal is tax-free; the rest is taxable. For instance, if you purchased an annuity with $100,000 and […]
Smart speakers are one of the hottest technologies on the market right now. Amazon and Alphabet have made a significant push into this space, with the former selling tens of millions of Echo smart speakers last year alone. Consumers spent $2.8 billion on smart speakers in 2018 and that number is expected to grow to […]
This is the third instalment in a series of articles examining the draft legislation and explanatory notes on Canada’s new income-splitting rules, issued by the Department of Finance on December 13, 2017 and which are to be effective as of January 1, 2018. This instalment will explore what the new rules will mean for partnerships in […]
The next industrial revolution is happening now, on the other side of the world. Benefit by investing in Chinese industrial and technology companies. The notion of human workers being displaced by cheaper, more skilled robots has been circulating for years now. Mostly to no avail. Great strides have been made in the fields of robotics […]
VANDAL Photography/Getty Images We often blame tech for our worst habits, like distraction or bad spelling. But our phones, computers, and gadgets can just as easily help us build good habits — if we understand how habits work and the right technology to use. Devices can even help us break bad habits, if we use them to create […]
March 9th marked the 21st anniversary of the death of Christopher Wallace, or probably better known to you as legendary rap artist Notorious BIG or Biggie. Wallace died at the age of 24 after being shot in Los Angeles. The controversy surrounding his death continues to garner media attention to this day and is perhaps […]
Executive Summary Recent advances in artificial intelligence have led to speculation that AI might one day replace human radiologists. Researchers have developed deep learning neural networks that can identify pathologies in radiological images such as bone fractures and potentially cancerous lesions, in some cases more reliably than an average radiologist. But the great majority of […]
Source: Kiplinger This article was originally published on Kiplinger – https://www.kiplinger.com/ Your needs change the closer you get to retirement, so even if you have a great financial adviser, the relationship may no longer be a good fit. How to tell when it’s time to move on. I meet a lot of people […]
Source: Kiplinger This article was originally published on Kiplinger – https://www.kiplinger.com/ These gadgets can be especially handy when traveling abroad. If you’re considering adopting a location-independent lifestyle, or you’re already a digital nomad, your electronic devices are critical to you being able to work while you travel. Making sure you’ve got a strong internet […]
Your first step to building a free, personalized, morning email brief covering pertinent authors and topics on JD Supra: Privacy Policy (Updated: October 8, 2015): hide JD Supra provides users with access to its legal industry publishing services (the “Service”) through its website (the “Website”) as well as through other sources. Our policies with regard […]
It’s not too early for kids with part-time or summer jobs to contribute to a Roth IRA. Even a small investment now can turn today’s teen into a millionaire by retirement. QMy 16-year-old son earned some money helping out at a summer camp last year. Is he eligible to contribute to a Roth IRA, and […]
In Knopf v. Gray, the will disposed of the testator’s entire estate, specifically including a tract of land. No. 17-0262, 2018 Tex. LEXIS 249 (Tex. March 23, 2018). The provision through which the testator devised the land stated: “NOW BOBBY I leave the rest to you, everything, certificates of deposit, land, cattle and machinery, Understand […]
Year: 2004 Cost: $8.9 billion When Merck’s (MRK, $53.41) Vioxx first hit the market in 1999, it was hyped as a revolutionary breakthrough medication for arthritis pain. And like Pfizer’s Bextra, it soon became a blockbuster hit. Five years later, in September 2004, Merck was forced to pull the drug from the market after studies […]
Executive Summary The to-do list can be an indispensable tool when used to mindfully manage your time. But used indiscriminately, you become its servant. To get control of your priorities, you actually need three lists and a calendar. List #1 is for important but non-time-sensitive projects. List #2 is for items that need to be completed today. The […]
Executive Summary Artificial Intelligence, which has already had a major impact on industries such as transportation, retail, energy, and banking, is only just beginning to be applied in medicine. Its profound capabilities hold promise for enabling early detection of disease and metabolic abnormalities and hope for empowering doctors and patients. The great advantage of AI is […]
Executive Summary It’s become commonly accepted that female workers lack the self-confidence of their male peers and this hurts their chances at success. If they were less hesitant and sold themselves better, this logic goes, success would be theirs. Yet, perhaps challenging common wisdom, recent research shows no evidence of a female modesty effect. Women rate themselves […]
How much is your savings account earning? It could be about $1 per year on an account worth $10,000. If so, take a moment to check rates for online options instead. You might be pleasantly surprised. Take a look at someone’s savings account and you can learn a lot about what type of lifestyle they […]
Your first step to building a free, personalized, morning email brief covering pertinent authors and topics on JD Supra: Privacy Policy (Updated: October 8, 2015): hide JD Supra provides users with access to its legal industry publishing services (the “Service”) through its website (the “Website”) as well as through other sources. Our policies with regard […]
Trusts are popular estate planning tools people use for a variety of reasons including providing for the long-term management of assets for minor beneficiaries, people with disabilities, or financially irresponsible adults. There are different methods of incorporating trusts into your estate plan, each with varying benefits and potential drawbacks. Testamentary Trusts A testamentary trust is […]
Market value: $44.2 billion Dividend yield: 5.3% Southern Company’s (SO, $43.81) last few years have been a relatively wild ride for a regulated utility. Several multibillion-dollar construction projects have blown through their initial budgets and faced delays, creating a good deal of regulatory uncertainty and financial constrain. So why is Southern Company on this list […]
Cash Checking Accounts Savings Accounts CDs Savings Bonds Other/Under the Mattress Retirement Savings IRAs 401(k)s Keogh Accounts Pensions Only the amount you could withdraw in cash todayOther Other Investments / Brokerage Accounts Stocks Bonds Mutual Funds Other Value of Businesses You Own Life Insurance / Annuities Cash Value of Life Insurance Surrender Value of […]
Executive Summary An announcement on January 24 didn’t get the large amount of attention it deserved: Apple and 13 prominent health systems, including prestigious centers like Johns Hopkins and the University of Pennsylvania, disclosed an agreement that would allow Apple to download onto its various devices the electronic health data of those systems’ patients — with patients’ […]
Executive Summary Many of us may recall a time we’ve cried at work, but for some people it’s not a rare occurrence. If you manage someone who tears up easily, you may find yourself leaving important topics or issues unaddressed to avoid upsetting them. You can’t know what’s going on inside your employee’s head, but you […]
Those nearing retirement and those who have recently become retirees need to plan now for the possibility of a bear market. Here are two ways to do that, including one that goes against conventional wisdom. Those planning to retire face many risks. There is the risk their money will not earn enough to keep up […]
If you are trying to find out what you’re paying in fees and it’s taking longer than 15 minutes or so to get an answer, you might want to make a change. I recently read an article in The Wall Street Journal where a reporter went on an epic quest to discover exactly what fees […]
Your first step to building a free, personalized, morning email brief covering pertinent authors and topics on JD Supra: Privacy Policy (Updated: October 8, 2015): hide JD Supra provides users with access to its legal industry publishing services (the “Service”) through its website (the “Website”) as well as through other sources. Our policies with regard […]
On March 13, 2018, the West Virginia Supreme Court of Appeals held that an insurance company can pay the proceeds of a life insurance policy into the court when there is a dispute as to who is the rightful beneficiary. At issue in Nationwide v. Eva Dawn Compton, et al., was the interpleader rule which […]
Facebook’s gains, in a way, made investors more vulnerable to the social stock’s recent selloff We can thank Facebook (FB, $168.15) for giving us a good lesson on the value of diversification in the stock market. When Facebook’s stock dropped 6.8% on Monday, March 19, following news that information on more than 50 million users […]
When a business owner dies, his or her ownership interests often become part of a probate estate or are transferred to one or more trusts in order to continue the operations of the business. But sometimes the decedent’s business is distressed at the time of death and of questionable value to the estate or to […]
In Today’s Digital Economy, Agile Practices Can’t Be Limited to Just the IT and Development Realms By Surya Panditi, SVP and GM, Agile Management, CA Technologies Agile practices have a vital part to play in the rapid delivery and continuous maintenance of software-driven products and services. When software is ubiquitous, agile needs to be likewise. […]
Fidelity Event Driven Opportunities (FARNX, $14.43) invests in small and midsize companies going through a transition, such as a corporate reorganization, deletion from an index or a management shakeup. These companies are harder to analyze than most other companies, which keeps many investors away. However, fund manager Arvind Navaratnam says that makes it easier to […]
Executive Summary Health care teams depend on electronic health records (EHRs) to compile important medical data from innumerable lab tests and medical devices, observations, treatments, and diagnostic codes. But in fast-paced critical care units, where even small errors can have big consequences, EHRs can overload physicians with information. The sheer volume of data in EHRs creates a […]
Kudos to Abercrombie & Fitch (ANF, $22.93) for a surprisingly solid fourth quarter. The teen-targeting clothier has been struggling for years as expensive labels fell out of fashion, and more recently, fending off the impact of some distasteful comments made by now-former CEO Michael Jeffries. Abercrombie grew same-store sales 5% year-over-year for the holiday quarter […]
If you’re thinking about signing up for Amazon Prime, here’s what you need to know including how much you’ll pay for a Prime membership. For consumers who are too busy to visit multiple brick-and-mortar stores to pick up everything on their shopping lists, from groceries and gadgets to books and apparel, the Amazon Prime subscription-based […]
If you aren’t getting your money’s worth from Prime, here are the steps you need to take on Amazon.com to cancel your subscription. Amazon Prime offers a variety of perks including free two-day shipping, unlimited music and video streaming, and unlimited photo storage. The benefits of Amazon Prime have attracted an estimated 90 million members […]
Source: Kiplinger This article was originally published on Kiplinger – https://www.kiplinger.com/ Saving money for retirement involves many factors that can’t be controlled, but taxes can be, to a certain extent. For a tax-conscious investor, finding tax-efficient investments is the key to successfully saving for retirement. SEE ALSO: Two-Thirds of Americans Have Inadequate Insurance. I […]
To help get a better grip on where your money is going, recommit to a budget or jump-start your savings plan, these handy apps are just a swipe away. Everyone who’s into managing his or her personal finances with the help of an app has heard about Mint, which currently ranks No. 24 among all […]
Your first step to building a free, personalized, morning email brief covering pertinent authors and topics on JD Supra: Privacy Policy (Updated: October 8, 2015): hide JD Supra provides users with access to its legal industry publishing services (the “Service”) through its website (the “Website”) as well as through other sources. Our policies with regard […]
Your first step to building a free, personalized, morning email brief covering pertinent authors and topics on JD Supra: Privacy Policy (Updated: October 8, 2015): hide JD Supra provides users with access to its legal industry publishing services (the “Service”) through its website (the “Website”) as well as through other sources. Our policies with regard […]
Source: Kiplinger This article was originally published on Kiplinger – https://www.kiplinger.com Type: U.S. bond Market value: $54.2 billion SEC yield: 2.7%* Expenses: 0.05% Another way to diversify is by asset class; that is, going beyond stocks. The most common way of doing that is to invest in bonds – essentially, debt issued by some […]
Source: Kiplinger This article was originally published on Kiplinger – https://www.kiplinger.com/ Most people hate reviewing their estate plans, and I can’t say I blame them. From tax law and complex documents, to trusts and health care directives, the intricacies can be daunting. Plus, talking about life after death isn’t anyone’s favorite activity. Unfortunately, these […]
Switching gears from saving for retirement to turning that savings into a retirement paycheck is a tricky proposition. Taking these steps can help bring your income plan into focus. As a TV sports reporter would say, “Let’s go to the videotape!” When the talking is done, it’s always good to look again at the results […]
Your first step to building a free, personalized, morning email brief covering pertinent authors and topics on JD Supra: Privacy Policy (Updated: October 8, 2015): hide JD Supra provides users with access to its legal industry publishing services (the “Service”) through its website (the “Website”) as well as through other sources. Our policies with regard […]
Market value: $1.5 billion Distribution rate: 7.4%* Expenses: 1.32% Closed-end funds are a nice fishing pond for investors hunting for monthly dividends. If you’re unfamiliar with the asset class, closed-end funds (CEFs) are mutual-fund-like products, but they trade on the New York Stock Exchange like stocks. However, they shouldn’t be confused with ETFs like PGX […]
Source: INVESTOR PLACE This article was originally published on INVESTOR PLACE – https://investorplace.com Clearside Biomedical (CLSD) develops first-in-class drug therapies to treat blinding eye diseases. The stock is already up by a massive 80% year-to-date. Shares surged from just above $6 at the end of February to over $14 at the beginning of March. […]
In April, Medicare will start mailing new cards that don’t disclose Social Security numbers. But the rollout will take a year. Getty Images By Kimberly Lankford, Contributing Editor March 19, 2018 QI remember reading that Medicare will start sending out new cards this year that don’t include Social Security numbers. How can I find out […]
The most expensive U.S. cities are usually expensive for a reason. Residents pay higher living costs in exchange for favorable geography, climate, culture or economic prosperity — or all of the above. Of course, that doesn’t make the most expensive cities the “best” cities to live in, at least not for everyone, says Jennie Allison […]
There are 45 states plus the District of Columbia that impose a state sales tax on retirees and other residents. In addition, local sales tax is collected in 38 states. The combined levy can be hefty. In Tennessee, for example, the average combined state and local sales tax is 9.46%. That means there are just […]
There are plenty of times when people can handle their investments, taxes and retirement planning themselves. Here’s who can go it alone, and who should seek some advice. Which category do you fit into? In practically all aspects of life, there are things we can do ourselves and others we can’t. SEE ALSO: Why the […]
Strategies to help retirees recall and remember people, places and things. When retired professor Darlene Howard taught in the psychology department of Georgetown University, she often had to remember the names of as many as 50 students a semester. So Howard used a memory trick: She created an association with a student’s name or face. […]
The bankrupt retailer is going out of business and will honor gift cards for Toys R Us and Babies R Us only until April 15. Getty Images By Bob Niedt, Online Editor March 16, 2018 If you’re carrying Toys R Us gift cards or Babies R Us gift cards, you only have a month left […]
Source: Kiplinger This article was originally published on Kiplinger – https://www.kiplinger.com/ Ever since my local farmers market started using some of the payment processing products from Square (SQ), I’ve admired it from afar. True, I don’t own the stock, nor do I own Twitter, the other company that Jack Dorsey runs, but if I […]
State and local government workers can contribute $18,500 to 457 plans, up $500 from 2017. Some workers can make additional catch-up contributions. Employees of state and local governments can stash more money in their 457 plans this year, building bigger nest eggs for retirement. 457 Contribution Limits for 2018 The maximum amount you can contribute […]
If leaving a job means losing your health insurance, you can get coverage through a government health care exchange or another insurer, or you can stick with your employer’s plan for up to 18 months. Getty Images By Kimberly Lankford, Contributing Editor March 15, 2018 QI’m thinking about leaving my job and starting my own […]
Source: Kiplinger This article was originally published on Kiplinger – https://www.kiplinger.com/ Learn how to navigate around the roadblocks that could rob your nest egg. Saving for retirement requires discipline. Ideally, you are able to amass a nice nest egg by putting aside a big chunk of money each month and investing it wisely. But […]
Market value: $42.5 billion Dividend yield: 1.9% BB&T Corp. (BBT, $54.67) is a large regional bank headquartered in Winston-Salem, North Carolina. Many of this bank’s deposits come from rural areas, where there is less competition and BB&T can offer lower rates. Analysts at Bank of America/Merrill Lynch expect the company’s efficiency ratio to improve, boosting […]
Teachers and nonprofit workers can contribute $18,500 to a 403(b) for 2018, but catch-up contributions and employer contributions can further boost retirement savings. Public school teachers, church staff, not-for-profit hospital workers and other employees of nonprofits are eligible to sock away thousands of dollars each year in a 403(b) retirement plan at work. 403(b) Contributiion […]
If it’s been a few years since you completed your estate plan, chances are your documents could need some serious updating. Here are some key areas of your estate where potentially perilous gaps can crop up. Most people hate reviewing their estate plan, and I can’t say I blame them. From tax law and complex […]
Your first step to building a free, personalized, morning email brief covering pertinent authors and topics on JD Supra: Privacy Policy (Updated: October 8, 2015): hide JD Supra provides users with access to its legal industry publishing services (the “Service”) through its website (the “Website”) as well as through other sources. Our policies with regard […]
Location: Chapel Hill, N.C. Undergraduate enrollment: 18,523 Kiplinger’s 2018 ranking (all schools): #15 Kiplinger’s 2018 ranking (public colleges): #1 NCAA 2018 men’s basketball tournament seeding: #2 seed, West region UNC’s in-state sticker price is comparable to that of other public colleges, but need-based aid awards for in-state students who qualify average more than $17,000 a […]
As The New York Times recently reported, the will of Harper Lee, author of To Kill a Mockingbird, was recently unsealed in connection with a lawsuit seeking access to the document. Ms. Lee died a resident of Monroeville, Alabama, and, as in Colorado, wills in Alabama are typically considered to be public documents. However, the […]
Market value: $91.8 billion Dividend yield: 2.0% Analysts’ opinion: 8 strong buy, 2 buy, 10 hold, 0 sell, 0 strong sell Shares in Caterpillar (CAT, $153.69) have stumbled lately. The threat of a global trade war will do that to the world’s largest maker of construction and mining equipment. Free trade is critical to CAT, […]
Many women over 50 are discovering the rejuvenating properties of vacationing with female friends. By Beth Brophy, Contributing WriterMarch 14, 2018From Kiplinger’s Retirement Report Every June for the past four years, Barbara Klein, 66, of Bethesda, Md., has gone on a weeklong spa trip to Rancho La Puerta in Tecate, Mexico. Her companions consist of […]
Source: Kiplinger This article was originally published on Kiplinger – https://www.kiplinger.com/ The Roth 401(k) contribution limit increased by $500 to $18,500 for 2018. Workers age 50 and older can save an extra $6,000 for retirement. More employers are adding a Roth 401(k) option to their retirement plan, which should appeal to workers who anticipate […]
The 401(k) contribution limit increased by $500 to $18,500 for 2018. Workers age 50 and older can save an extra $6,000 for retirement. It’s never too early to begin paving your road to a comfortable retirement by contributing to an employer-sponsored 401(k) account. 401(k) Contribution Limits for 2018 The maximum amount workers can contribute to […]
Here’s how to tell the difference … and when it’s actually OK to speculate in the stock market. Do you feel hesitant to put more of your money in the market because it feels like a gamble? Even seasoned investors can get nervous about investing their hard-earned money, because all investments come with risk. SEE […]
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