Author: troyashbacher

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.

Thinking about making a big life change in 2026? Well, buying a home is a lot like getting married. The planning seems to take forever, everything’s more expensive than you thought it would be, and stress can quickly reach “Should we even be doing this?” levels. All of that leads up to a single day — closing day for buyers or the wedding itself — that goes by in the wink of an eye. And that one day isn’t an end, it’s a beginning. You’re now a spouse or a homeowner, and that brings new responsibilities, joys and challenges. You’ve…

Key Takeaways Nvidia’s size and influence on the broader market mean its results, due after Wednesday’s closing bell, will likely affect a wide range of investors.In recent quarters, the chipmaker’s quarterly update has tended to be a sell-the-news event in the short term, but Nvidia’s stock has climbed in the months following the results. A lot is at stake when the world’s most valuable public company reports earnings Wednesday. Nvidia’s (NVDA) latest quarterly financial update, due after the closing bell, is being widely viewed as the biggest event of this earnings season. It could have wide-reaching implications for the AI…