Are you trying to come up with a creative gift to buy your teenage kids for the holidays this year? Or have you given up and just plan to give them cash? In either case they might qualify for an alternative gift that effectively keeps on giving for the rest of their lives: a Roth…
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Per Wikipedia, James Truslow Adams defined the so-called American Dream as “life should be better and richer and fuller for everyone, with opportunity for each according to ability or achievement.” This suggests that each generation of Americans should be experiencing a greater degree of success and prosperity than their predecessors. Is it happening? One way…
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Last week the Securities and Exchange Commission (SEC) relaxed the requirement for Exchange Traded Fund (ETF) providers to disclose on a daily basis the underlying holdings in their funds. This change was requested primarily by fund companies T. Rowe Price, Natixis, Fidelity, and Blue Tractor, who would like to develop ETFs that follow what are…
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Did you know that the digital content you maintain in your computer or online is considered to be your personal property? Since 2015, with the passage of the Revised Uniform Fiduciary Access to Digital Assets Act (RUFADAA) by the Uniform Law Commission, most U.S. states including California consider these so-called digital assets to be no…
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It’s open enrollment season right now, and this is the time to review (among other things) your healthcare insurance. Whether you are an employee of a company providing insurance benefits, a retiree ensured through Medicare, or an individual or family utilizing private insurance through the ACA (Covered California in our state), you will probably be…
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Below are two charts that will probably astound you, courtesy of Jill Mislinski at dshort.com. The first compares the increase in the cost of college with the increase in the Consumer Price Index, the cost of medical care, and the cost of a new car over the last 41 years. While medical costs have risen…
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