Services Revenue Is Surging. Your Portfolio May Be Less Diverse Than It Looks.
The latest Census report shows selected-services revenue at $6.42 trillion. That strength can hide repeated exposure across funds, stocks and...
Retired This Year? Your Medicare Premium May Still Be Looking Back.
A retirement can cut current income while Medicare premiums still reflect an older tax return. SSA-44 offers a targeted review...
The 60-Day COBRA Window Is Not a 60-Day Vacation
A job loss near retirement can turn health insurance into the largest immediate household decision. COBRA provides time, but each...
The Saver’s Match Starts in 2027. Your Contribution Record Starts Now.
A new federal retirement match begins with 2027 contributions and is claimed in 2028. The valuable work now is choosing...
Parent PLUS Has a New Ceiling. Build the Four-Year Plan Now.
Parent PLUS borrowing now has annual and lifetime-per-student caps for many families. Here is how to test a four-year college...
The Import-Price Drop Is an Energy Story, Not an All-Clear
The headline import-price index fell, while nonfuel imports and capital goods became more expensive. Here is a practical test for...
Builder Incentives Are Rising. Treat Them Like Financing.
Builder incentives are widespread as buyer traffic stays weak. Here is how to compare price cuts, rate buydowns and closing...
Medicare’s $50 GLP-1 Program Has a Coverage Catch
Medicare’s GLP-1 Bridge offers selected weight-management drugs for a $50 monthly copay. Here is what counts, what does not, and...
Retail Sales Fell. The Bigger Question Is How Households Paid.
July retail sales fell 0.6%. Here is a practical cash-flow check for deciding whether a weaker month reflects restraint, volatility...
Home Equity Is Growing More Slowly Than the Cost of Using It
A practical framework for deciding when a home-equity loan or HELOC supports a household plan—and when it puts retirement cash...