Author: troyashbacher

Qualified Charitable Distributions (QCDs) are the most tax-efficient way for seniors to donate to charity. You can still itemize on your taxes, yet every bit of your donation is made with pre-tax dollars. Plus, it can take the place of some or all of any Required Minimum Distributions (RMDs) for that year. The only downsides of QCDs are that they are limited in size at $108,000 [2025 — visit our annual numbers page to get the most up-to-date figures] but indexed to inflation and that they cannot go directly to a Donor Advised Fund (DAF). Just like we’ve done step-by-step guides…

Published: Dec. 12, 2025 at 5:22 p.m. ETShares of Tilray Brands rocketed Friday amid rising hope that cannabis is finally on the doorstep of being rescheduled as a lower-class drug, which could open doors for further legalization and banking services.The Washington Post reported late Thursday that President Donald Trump was pushing to reclassify marijuana as a Schedule III drug alongside some prescription drugs like Tylenol with codeine or anabolic steroids. It is currently classified as a Schedule I drug, on par with heroin and lysergic acid diethylamide, or LSD.

Charlie Garcia is the founder of R360, a global community of individuals and families with a net worth of $100 million or more. He is editor-in-chief of the Night Owl, R360’s exclusive publication delivering contrarian insights into global markets. Garcia is the author of the books “A Message From Garcia” and “Leadership Lessons of the White House Fellows.” A bitcoin enthusiast, he runs his own node.

“I also have $1,000 on a credit card, which will be paid in full next month.”

“I don’t want to end up in a nursing home on Medicare like my grandma.”

The Heisman Trophy award may not come with a cash prize, but these finalists have already scored millions through their name, image and likeness deals.

Sequence of return risk focuses on the timing of market drops and how early losses in retirement can reshape your entire income picture. You can average the same annualized returns as another retiree and still end up with very different results simply because your bad years arrived at the wrong time. Retirees who have saved diligently worry they could still fall behind simply because they retired at the wrong moment. That fear lies at the heart of sequence risk, which is why understanding it is so important.  Imagine two retirees, each with a $1 million portfolio. They withdraw the same amount…

(Image credit: Getty Images)The Dow Jones Industrial Average reached a new all-time high on an intraday basis early in Friday’s trading session but shortly succumbed to selling pressure on tickers with ties to the AI revolution. It’s all quiet on the economic calendar, but the earnings calendar continues to provide fresh fuel for the AI boom vs AI bust debate.Markets were almost entirely focused on stocks and sectors on Friday, with no incoming data, official or otherwise, reported. Semiconductor superstar Nvidia (NVDA, -3.3%) and AI hyperscalers Amazon.com (AMZN, -1.8%) and Microsoft (MSFT, -1.0%) were major culprits among Dow Jones stocks.Walmart…

In This Article A dog is not just man’s best friend; it’s turning out to be a landlord’s, too. Pet-friendly rentals garner considerably more cash flow than no-pet rentals, according to a study from RentCafe.  According to proprietary stats, the website states that U.S. landlords can charge an average nonrefundable pet fee of $315 on top of the average pet rent of $36/month. With rental margins tightening due to higher expenses and rising mortgage rates, saying yes to pets could not only yield higher rents but also lead to renewed leases and happier residents. In a High-Stress World, Pets Are…

Published: Dec. 12, 2025 at 3:37 p.m. ETIt’s easy to do your due diligence before hiring a financial adviser: You can use BrokerCheck to see if the adviser has any disciplinary black marks.Finra, the private, not-for-profit organization that oversees its member brokerage firms, offers the free BrokerCheck tool, which has a user-friendly interface that provides an overview of an adviser’s professional background.