Author: troyashbacher

Last Updated: Nov. 13, 2025 at 11:26 p.m. ETFirst Published: Nov. 11, 2025 at 8:31 a.m. ETDear Quentin,I’m following up on my earlier letter about my husband, who would not write a will but did write a prenup that excluded me. We finally met with a lawyer to draw up wills. I am still feeling unsure. The lawyer was not concerned about the prenup, but said a will can override it. My husband is setting up a trust and giving me a lifetime estate in his home, but the funds will only cover half of the costs to live here. 

Key Takeaways Bank of America analysts compiled a group of 16 stock picks for investors looking to find value outside of the AI trade amid growing worries about a bubble. The list includes AT&T, Disney, Dollar General, KeyCorp, Progressive, and cruise operator Viking. If you’re looking to diversify your stock portfolio away from AI, Bank of America has some suggestions. In a note to clients this week, the analysts listed 16 stock picks that aren’t generally considered direct AI beneficiaries—and that they believe could be undervalued, leaving room for growth. Their ideas aren’t included in AI-related exchange-traded funds, the analysts said;…

Tan Su Shan, chief executive officer of DBS Group Holdings Ltd., speaking at the Singapore Fintech Festival in Singapore, on Nov. 12, 2025. Bloomberg | Bloomberg | Getty ImagesSINGAPORE – Amid fears of an artificial intelligence bubble, much has been made of recent reports suggesting that AI has yet to generate returns for companies investing billions into adopting the tech. But that’s not what the chief executive of Southeast Asia’s largest bank is seeing — she says her firm is already reaping the rewards of its AI initiatives, and it’s only just the beginning. “It’s not hope. It’s now. It’s already happening.…

Today only, select beauty and personal care gift sets are 30% off.  There are great deals for gifts or for yourself.  This 3 piece Naturium lip set is only $14 or $4.66 per item.  Such a steal.  The advent calendars are included in the sale, running at $14 each and I would definitely expect those to sell out.  There are fragrance sets, skincare sets, really cute little Tree Hut sets for travel.  You can definately get a lot of stocking stuffers knocked out with this sale.   Click here to take a look.    

Key Takeaways Gold prices hit record highs above $4,000 per ounce this fall, tempting many to cash in. While selling could get you quick cash, gold’s long-term status as a safe haven during economic turmoil might mean holding off could be the better deal. Compare written offers before handing over your gold items—you’ll likely only get an average of 60% to 80% of the current market price for typical gold jewelery when selling to a dealer. The price of gold is over $4,000 an ounce, and cash-for-gold signs are popping up online and in storefronts nationwide. So you might be…

As states completed the “unwinding” of pandemic-era continuous coverage, Medicaid enrollment fell 7.6% in FY 2025 and is expected to be largely flat in FY 2026, according to KFF’s 25th annual Medicaid Budget Survey. At the same time, total Medicaid spending grew by 8.6% in FY 2025 and is expected to grow by 7.9% in FY 2026. States report that provider rate increases, greater enrollee health care needs, and increasing costs for long-term care, pharmacy benefits, and behavioral health services are the most significant drivers of increased costs. In addition to increasing spending demands, slower revenue growth and heightened fiscal uncertainty…

Alternative investment strategies, including those in the private markets, have long been a component of sophisticated portfolio construction.But there is a notable new trend in the financial advice industry: Retail investors are asking about them.As product innovation lowers entry points and broadens distribution, individual investors want to access the strategies once reserved for institutions and the ultrawealthy. 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…

Mortgage rates moved modestly lower this week, but interest rates were not the big news for anyone following home loans. President Donald Trump’s social media post about a 50-year mortgage stole the show, as economists and pundits critiqued the ins and outs of such a proposal. Though details weren’t provided, the three-word version says plenty: 50-year mortgage. A loan that, if you didn’t sell or refinance — which to be fair, most homeowners will at some point — would take half a century to repay. The idea popped up in a Truth Social post from the president over the weekend,…

Medicare Open Enrollment is currently underway and runs until December 7. During this period, people with Medicare can make changes to their Medicare coverage like going from Original Medicare to Medicare Advantage—or vice versa—or switching to new Medicare Advantage or Part D plans. Don’t Forget Networks Choosing between Original Medicare and Medicare Advantage can be complex. One aspect that can be easily overlooked is the importance of networks. With Original Medicare, enrollees can see any provider and use any facility that accepts Medicare (which includes both participating and non-participating providers). Enrollees in most Medicare Advantage plans are limited to seeing…

In the next two decades, the largest intergenerational wealth shift in history will unfold.Baby Boomers and the Silent Generation are transferring assets at a pace never before seen. Cerulli Associates estimates that about $84 trillion will change hands in the U.S. through 2045, with $72 trillion flowing to heirs and nearly $12 trillion going to charity.Numbers this large can dominate the headlines, but the real story is about preparation and protection. Families who believe they’ve completed their estate plans once the technicalities, such as documents, valuations and tax strategies are in place, might be overlooking critical risks. From just $107.88…