Author: troyashbacher

Key Takeaways The firm has lowered its rating for the pair of tech giants after years of maintaining an “above-consensus” bullish stance.”Gen-AI is not the new cloud 1.0,” Rothschild & Co Redburn’s analyst said. Some of the firms in the Magnificent 7 are starting to look a bit less magnificent. Rothschild & Co Redburn on Tuesday downgraded both Amazon (AMZN) and Microsoft (MSFT) to neutral from buy rating, a measure of cold water on backers of the AI rally—and on the shares, which are broadly beloved by Wall Street analysts. “We no longer see a bull case,” analyst Alex Haissl…

For dividends, France’s top integrated tax rate was the highest among European countries (57.85 percent), followed by Ireland (57.13 percent), Denmark (54.74 percent) and the United Kingdom (54.5 percent). Latvia (20 percent), Estonia (22 percent), and Hungary (22.65 percent) levy the lowest rates. Estonia and Latvia’s tax on distributed profits means that the corporate income tax is the only layer of taxation on corporate income distributed as dividends. For capital gains, France (57.85 percent), Denmark (54.76 percent), the Netherlands (52.51 percent) and Norway (51.52 percent) have the highest integrated rates among European countries, while Cyprus (12.5 percent), Romania (16.84 percent), Bulgaria (19 percent), Switzerland (19.61 percent), and Greece and Slovenia (22 percent) levy the…

In light of the recent passage of the One Big Beautiful Bill Act (the OBBBA), attorneys, accountants and other professional advisors must understand their ethical responsibilities to inform and notify their clients about this new law.Professional Codes of EthicsTrustees, chartered life underwriters, development officers and others involved in estate planning: You may be clients, attorneys and accountants and have clients who should be alerted.The American Bar Association Model Rules of Professional Conduct (MRPC) govern the ethical and professional responsibilities of attorneys. The MRPC rules on competence and communications are the most significant and relevant to this article. Attorneys must provide competent…

Key Takeaways If you need to cash in a CD early, you’ll likely pay a penalty—but the cost can vary widely, so check the bank’s policy before you commit.Even if you stick to CDs with only mild early withdrawal penalties, you can still earn strong rates—up to 4.40% APY right now.While no-penalty CDs provide flexibility, they usually offer much lower yields, reducing what you can earn. What It Costs to Cash In a CD Early If you’re lucky enough to have cash you won’t need right away, a certificate of deposit (CD) can be a smart place to park it.…

A restaurant that does everything right is a gift, a treasure, especially in small-town America.Because there are so few, when an exceptional restaurant gets into trouble or goes out of business, we feel a sense of loss and often wonder what happened.It is just sad all the way around. From just $107.88 $24.99 for Kiplinger Personal Finance Be a smarter, better informed investor. CLICK FOR FREE ISSUE Sign up for Kiplinger’s Free Newsletters Profit and prosper with the best of expert advice on investing, taxes, retirement, personal finance and more – straight to your e-mail. Profit and prosper with the…

Banks and credit unions have made a lot of effort through the years to restore the trust of Americans who rely on them to hold their hard-earned money.Since the turn of the century, consumers have had plenty of reasons to be selective and critical of institutions due to cyberattacks, personal identification hacks, mismanagement of accounts and the mortgage crisis of the late 2000s.Trust in a financial institution is built over time, yet it can be lost in an instant. When that trust is fragile, as it’s been for some time, the role of a credit union becomes even clearer. From…

“The management company said they would store his belongings.”

Note: The data on unwinding renewal outcomes presented below were last updated on September 12, 2024; since most states have now completed the Medicaid unwinding, the information will not be updated again. As of September 12, 2024 and with nearly complete unwinding data for most states:  Over 25 million people were disenrolled (31% of completed renewals) and over 56 million people had their coverage renewed (69% of completed renewals).   Disenrollment rates varied across states from 57% in Montana to 12% in North Carolina, driven by a variety of factors including differences in renewal policies and procedures as well as eligibility…

If you’re investing for the long run — whether it’s to fund retirement, create generational wealth or simply protect your savings from the corrosive effects of inflation — one strategy stands out from the rest: owning equities and staying invested.While markets are full of noise, short-term volatility and headlines designed to spark emotion, long-term investing is about something simpler and more powerful: compounding real business growth over time.Equities, unlike cash or bonds, give you ownership in the future — a claim on the earnings, innovation and productivity of real companies. From just $107.88 $24.99 for Kiplinger Personal Finance Be a…

Banana Factory Outlet has a sale running of 60% off sitewide plus an additional 20% off those prices.  This is an early Black Friday sale and a great time to look for holiday outfits in particular.  They have so many options for the entire family.   This cardigan sweater for example is $150.  It is on sale for $60 and after the extra 20% off at checkout, the price drops to $48.   Click here to take a look. No code needed, the extra 20% comes off once you add items to your cart.