I’ve had this conversation with just about every creator, marketer, and SEO pro I know. Are keyword tools reliable? Is the search volume data we make very real plans on, accurate? And I’m far from the only one talking about this… Before we dive in, I wanna make my own bias on this topic clear. I own 2 different keyword tools—one you can use forever free on my blog, and the other inside RightBlogger, my suite of autoblogging tools for bloggers and marketing teams. I’ve built these tools to give you only the most actionable data points, without all the…
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The income-related monthly adjustment amount (IRMAA) is one of the most significant and stealthy retirement taxes, effectively raising the cost of Medicare Part B and Part D premiums for those with higher incomes. Since the penalty is based on your tax return from two years prior, effective IRMAA management requires a proactive, long-term strategy.The IRMAA is one of the most significant costs retirees face and is a crucial part of retirement income planning. IRMAA is an extra charge added to your standard monthly premiums for Medicare Part B medical insurance and Medicare Part D prescription drug coverage.Liability for the IRMAA…
After years of low yields and rising macro volatility, investors are taking renewed interest in insurance-linked securities (ILS) for their very low correlation with traditional financial markets. Despite event-driven volatility, the first half of 2025 reaffirmed the market’s strength and growing scale. According to mid-year industry data, ILS issuance reached $17.2 billion across nearly 60 transactions, making 2025 the second-largest year in the market’s history, with half the year still to go. The total market size has now surpassed $56 billion, having expanded by more than 75% since 2020. This year alone has seen 10 new issuers and three wildfire bonds,…
The One Big Beautiful Bill Act makes the opportunity zone program permanent and also introduces some changes in the real estate investor tax breaks, creating a new category for qualified rural opportunity funds and requiring states to designate opportunity zones every 10 years.Processing ContentStates will need to adjust to the new designation cycle, and there may be some confusion at first. Under the original legislation that created opportunity zones, the Tax Cuts and Jobs Act of 2017, the zones were designated a single time and set to expire. The OBBBA creates a permanent, recurring cycle to ensure OZs stay relevant…
The unemployment rate rose to 4.6% in November, according to the latest jobs report from the U.S. Bureau of Labor Statistics. The post Unemployment Rate Rises to Highest Level in 4 Years appeared first on ValueWalk.
Derek Hagen, CFA, CFP®, FBS®, CFT™ “There is nothing so useless as doing efficiently that which should not be done at all.” -Peter Drucker Meaningful spending isn’t about choosing experiences over things. It’s about understanding what your money makes possible. Why “Buy Experiences, Not Things” Is Popular Advice Advisors have likely heard, and repeated, the familiar guidance that people should buy experiences rather than things if they want a more meaningful life. The research supporting this idea is real: experiences are often social, create stronger anticipation, and generate richer memories than many material purchases. Viewed through the anticipation–experience–memory framework, experiences…
As more retail investors gain access to private markets, advisors should be careful to communicate the risks, and not just the potential upside, of diving into these alternative investments.
Mortgage rates were essentially stable today, but significant federal data started coming through this morning that could provide a stronger direction.The average interest rate on a 30-year, fixed-rate mortgage ticked down to 6.17% APR, according to rates provided to NerdWallet by Zillow. This is two basis points lower than yesterday but six basis points higher than a week ago. (See our chart below for more specifics.) A basis point is one one-hundredth of a percentage point.You may have been expecting rates to drop more, since last week the Federal Reserve cut short-term borrowing rates 25 basis points. But the Fed…
Dave:The end of 2025 is here, which means it’s time to look back and reflect a little bit on what worked this year and what tactics that we enjoy that we’re going to carry into our strategies for 2026, and today we’re going to do something a little different. We are sharing our favorite things of 2025. It might be a trend that you’re obsessed with, a headline that changed how you invest, a portfolio pivot that really paid off or just a big lesson that we think every listener should carry with them into next year. To do this,…
After you put money in a certificate of deposit, you can sit back while it collects interest over its term. Once it reaches maturity, you’ll face a decision: Renew it or withdraw the funds.Typically, you have a grace period of about seven to 10 days after a CD hits its maturity date to decide what to do. Your bank may send you a notification a few weeks before the certificate matures.When you open a CD, it’s also a good idea to put a reminder on your calendar of when the certificate is nearing the end of its term. With this…