personal-finance

Good News for Retirees: Lower Medicare Part B Premiums Could Be Coming | Smart Change: Personal Finance

(Keith Speights) Millions of Americans are eagerly waiting to find out how much their Social Security cost-of-living adjustment (COLA) will be for 2023. However, even the most optimism of the size of the probably increase isn’t high enough to offset the actual higher costs that seniors are incurring. One big reason why that’s the case …

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Why You Won’t Regret Taking Advantage of an HSA | Personal-finance

(Stefon Walters) Outside of housing and maybe transportation costs, healthcare will likely be your largest retirement expense. It’s unfortunate, but doctor visits become more frequent, and more health problems tend to pop up as you age. Before reaching retirement age, understanding the likelihood of increased healthcare costs and planning accordingly is very important. According to …

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3 Times Debt Can Be a Helpful Tool | Smart Change: Personal Finance

Sarah Rathner In some corners of the personal finance advice world, getting into debt is just about the worst thing you can do. And yes, some forms of debt — particularly those that charge high interest rates — can keep you locked in a cycle of owing money for years. Still, there are times where …

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International Personal Finance Underlying Pretax Profit Rose; Shares Rise

By Joe Hope Shares in International Personal Finance PLC rose Wednesday after the company said pretax profit rose 45% on an underlying basis along with increased revenue, though reported pretax profit slipped. Shares at 0742 GMT were up 8.2 pence, or 11%, at 84.9 pence. The London-listed credit company said pretax profit rose on an …

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Don’t Let These 3 Metrics Mislead You on Stocks | Personal-finance

(Stefon Walters) You can use different metrics to get different insights into a company and its finances. While every metric has its place in a company’s financial storytelling, some by themselves can be a bit misleading and might not give the full picture needed before making an informed investing decision. Here are three to watch …

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Easily Save Thousands When You Take Advantage of a Roth IRA | Personal-finance

(Stefon Walters) One of the best ways to be more efficient with your retirement savings is using tax-advantaged accounts. If you’re going to be saving for retirement — and you should absolutely be — you might as well get some tax breaks in the process. While a 401(k) plan is offered through your employer, an …

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Warren Buffett Has Been Buying Stocks in 2022. Should You? | Personal-finance

(Mark Blank) Warren Buffett is widely regarded as the greatest investor of our time, and for good reason. He’s been investing for 80 years. He bought his first stock at age 11, and his holding company Berkshire Hathaway (NYSE: BRK.A) has generated an average annual return of over 20% for shareholders dating back to 1965. …

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More Than 25% of Retirement Savers Risk Falling Short for This Reason | Smart Change: Personal Finance

(Maurie Backman) The money you put into your 401(k) plan shouldn’t just sit in cash. Rather, that’s money you could be investing and putting to work. The problem with 401(k) plans, though, is that they commonly come with a default investment option where your money will go, unless you make changes. And if you don’t …

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Is the S&P 500 All You Need to Retire a Millionaire? | Personal Finance

(Selena Maranjian) Most of us would like to retire as millionaires. Many of us actually need to retire as millionaires, simply to maintain what we might consider a modest and comfortable lifestyle in retirement. The question is how to amass a million dollars or more by retirement — or as much as you can, given …

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