Author: troyashbacher

This week, the Department of Homeland Security published a proposed rule on “public charge” that could expose legal immigrants to arbitrary and unfair decisions as they attempt to become lawful permanent residents, or “green card” holders. Public charge is a longstanding part of federal immigration law. The public charge inadmissibility test was designed to identify people who may depend on the government as their main source of support. If the government finds that a person is “likely to become a public charge,” it can deny that person admission to the United States or lawful permanent resident status. Historically, the test…

(Image credit: Getty Images)Stocks shot higher out of the gate Thursday with bulls encouraged by Nvidia’s (NVDA) earnings report and stronger-than-expected September jobs data. However, the tide quickly turned and all three main indexes were staring at stiff losses by lunchtime as the AI bellwether turned lower and odds for a December rate cut dwindled.At Thursday’s open, stock market gains ranged between 1.3% and 2.1%. But at the close, the blue-chip Dow Jones Industrial Average was down 0.8% at 45,752, the broader S&P 500 was off 1.6% at 6,538, and the tech-heavy Nasdaq Composite had slumped 2.2% to 22,078.Nvidia’s Q3…

Sephora has some random items on sale for 50% off right now.  There are some nice sets included like this Rare Beauty, Laneige sets and more..  It is worth checking out as you might find some gems.  Most of the Black Friday sales will likely be 30% off so this should be a larger discount. Click here to see the items on sale.  Make sure to check the bonus offers before placing your order by clicking here.

(Bloomberg) — JPMorgan Chase & Co.’s asset management arm is pitching private markets as essential ballast to investor portfolios amid stretched stock valuations and unreliable bond hedges.With stock gains increasingly driven by a handful of large caps and bonds potentially offering less protection in downturns, the traditional 60/40 portfolio mix needs reinforcement, the $4 trillion asset manager said in its 2026 investment outlook. Private credit, so-called secondaries — markets where limited partners can sell their stakes to other institutions — and opportunistic debt strategies should be treated as essential, not optional, the firm says.“A key reason for having bonds in…

Most advice for retirement saving starts with contributing to a 401(k) plan or any type of retirement account obtained through an employer. But what if you don’t have a retirement plan through work?There are still retirement accounts available to you, each one with special tax benefits, too. Here’s where to start.Individual retirement accountAn individual retirement account (IRA) is open to anyone with earned income, which is income earned through a job or business. Other income sources, such as investment returns and government benefits, aren’t considered earned income.The main advantages of saving for retirement in an IRA are the tax benefits…

“Big mo” stock strategies have lost their advantage, but these companies display relative strength.

Drafting an estate plan is one of the most responsible things you can do for yourself and your family. Contrary to what many people think, estate planning is not a do it and forget it task. It is just as important to review your estate plan regularly to ensure that it is up to date and still reflects your wishes. Below, our St. Petersburg estate planning lawyer outlines when it is time to review your plan. Changes in Family Circumstances  As people move through life, their circumstances are bound to change. These changes impact our personal relationships and can have…

Andriy Onufriyenko | Moment | Getty ImagesBitcoin dropped on Thursday to levels not seen in more than six months, as investors appeared to pull back exposure to riskier assets and weighed the prospects of another Federal Reserve rate cut next month. The flagship digital currency fell to as low as $86,325.81, its lowest level since April 21. It last traded at $86,690.11.The release of stronger-than-expected U.S. jobs data raised questions about whether the central bank would lower its benchmark overnight rate. The U.S. economy added 119,000 in September, well above the 50,000 economists polled by Dow Jones expected. That report…

Key Takeaways Sales of existing homes rose in October to their highest level in eight months, as buyers jumped on better mortgage rates and took advantage of plentiful inventory.While the government shutdown impacted some government-backed mortgage loans in flood zones and rural areas, home sellers were able to close deals.However, home sales remain near their lowest in more than a decade as increasing costs and persistently high interest rates keep some buyers on the sidelines. No government, no problem for U.S. home sellers across the in October.  Existing-home sales increased in October to a seasonally adjusted annual rate of 4.1…

Retirement should mean finally having time for morning hikes, afternoon bike rides, and the kind of active lifestyle you couldn’t have tied to a desk or factory floor. Almost 40% of retirees move at some point around the time they leave the workforce, and many are often looking to do the things they couldn’t do while working. Fortunately, there are towns across the U.S. that are great for retirees wanting a sense of community, natural beauty, and a fitness-friendly environment without relocating being a financial burden. 1. Lexington, Kentucky Jacobson Park offers scenic green spaces and recreational opportunities beyond Lexington’s…