Don’t let novelty bias derail your retirement investment strategy | personal financing

(Sam Swenson, CFA, CPA) investing in the retirement It is much more behavioral than mechanical. yosuddenlyHumans tend to respond to large, emotionally impactful events. This is the crux of the modernity bias: we have a behavioral tendency to place more importance on the events of the recent past, especially when it comes to investing. Below, … Read more

Getting treatment when cost and access are a barrier | Smart Change: Personal Finance

Sarah Rathner Search race Psychological health Therapy can feel like a marathon when you don’t have the energy or ability to reach the starting line. You may encounter limited and affordable options and a shortage of available therapists. “Before the pandemic, we had an insufficient workforce to meet the mental health demands of the country,” … Read more

How LGBTQ+ Americans Can Overcome Barriers to Building Credit | Smart Change: Personal Finance

Caitlin Mims Andrew Pledger got here out publicly as homosexual in an Instagram Reside interview in January 2022, earlier than beginning his final semester at Bob Jones College, an evangelical establishment in South Carolina. Lower than two weeks later, he was fired. Throughout his time in school, he attended a church that confirmed his id … Read more

Hofmeister and Statee lead in Oklahoma governor’s race | national policy

By Sean Murphy, Related Press author Oklahoma Metropolis (AFP) – Republican Governor Kevin Stitt and Democrat Joey Hoffmeister simply gained their primaries on Tuesday, each capitalizing on large fundraising benefits over their opponents in a state the place points reminiscent of abortion, firearms and the loss of life penalty are scorching. The main focus is … Read more

Tesla CEO predicts recession: How savers should prepare for retirement | Smart Change: Personal Finance

(Catherine Brooke) Tesla CEO Elon Musk not too long ago predicted that the US economic system will quickly fall right into a recession. Talking on the Qatar Financial Discussion board, Musk described a recession as “extra doubtless than others” within the close to time period. Says musk Seems he was proper: How will that have … Read more

These 3 Dividend Funds Are Retirees’ Best Friend | personal financing

Should you’ve largely completed working for a dwelling and are actually on the lookout for your personal nest egg to save cash on your bills, quite a lot of dividend-paying shares can do the job. Nevertheless, there could also be an easier and safer resolution: exchange-traded funds (ETFs). Along with the truth that it can … Read more

Will this be the summer of student debt cancellation? | personal financing

Anna Hilhoski Summer season “will is, won’t” Scholar debt cancellation It’s upon us. “He”, in fact, is President Joe Biden. Some 43 million debtors are clinging to hope that Biden will take govt motion to alleviate a minimum of a few of their $1.7 trillion collective debt. Rumors unfold on social media. The Ministry of … Read more

What to expect from this bear market based on history | personal financing

(Mark Clean) This month, the inventory market entered bear market territory for the primary time since March 2020. It doesn’t seem that it’s going to get better as rapidly because the final bear market, which solely lasted two months. Bear markets are outlined as a market decline of no less than 20%, which is solely … Read more

Why this fund is my first recommendation for new investors | personal financing

(James Bromley) New investor? Welcome to the market. In fact, even in case you are solely prepared and capable of do the job for a short while, you in all probability already understand that there isn’t a scarcity of recommendation out there. Most are well-meaning, and a few could also be described as “good”. If … Read more

Why this fund is my first recommendation for new investors | Smart Change: Personal Finance

(James Bromley) New investor? Welcome to the market. After all, even if you’re solely keen and in a position to do the job for a short while, you most likely already understand that there isn’t a scarcity of recommendation accessible. Most are well-meaning, and a few could also be described as “good”. If any of … Read more