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Should You Keep Working After Hitting Full Retirement Age? Here's What Changes Your Social Security Payout

Full retirement age is 67 if you were born in 1960+, but you can claim as early as 62 or delay until 70. The catch? Working after full retirement age won't automatically boost your benefits—it depends on your earnings.
When Extra Work Actually Increases Your Check
Keep paying Social Security
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The Billionaire Paradox: Why Smart Money Avoids Status Symbols

The world's wealthiest individuals often choose modest cars, reflecting a mindset focused on wealth preservation rather than status. They avoid high depreciation, maintenance costs, and insurance premiums associated with luxury vehicles, opting instead for economical cars that retain value, reinforcing the idea that frugality leads to smarter financial decisions.
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Why Dave Ramsey Says Mobile Home Ownership Is a Financial Trap
Dave Ramsey just dropped a hot take: don't buy a mobile home if you want to build real wealth. And his reasoning? Pure math.
Here's the breakdown: Mobile homes depreciate the moment you buy them. Unlike real estate (the land itself), the structure loses value continuously. Sure, the *land* might appreciate over time, especially in metro areas — but Ramsey argues that's just "the dirt saving you from your stupidity." The illusion of gains is actually just the underlying real estate doing heavy lifting.
The real kicker? **You're payi
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Where Can You Actually Afford to Live AND Stay Safe? We Found 15 Places

The essay discusses how affordable housing doesn't always correlate with high crime rates, highlighting places like New Philadelphia, Ohio, and New Ulm, Minnesota as affordable and safe. It suggests that the Midwest offers excellent options for budget-conscious homebuyers.
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The Middle-Class Income Gap in America Just Hit a New Record

You need way more money to be "middle class" in 2025 than you did a year ago—and it depends a lot on where you live.
New census data shows the income squeeze is real. Across the 100 largest U.S. cities, middle-class earners are now pulling in $49,478 to $71,359 annually, up from $47,568 to $142,718
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The 90% Real Estate Myth That's Been Lying to You

The essay debunks the claim that 90% of millionaires made their money in real estate, highlighting that true wealth is primarily built through employment, hard work, and diversified investments, rather than relying on real estate as a shortcut to success.
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When Markets Drop 10%, Should You Panic? The Numbers Say No

Recent market corrections have led to fears of bear markets, but historically, 75% of corrections don't lead to them. While all bear markets eventually recover, it's crucial to focus on your investment timeline rather than reacting to media panic.
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Buffett's Secret: 7 Stocks That Control 80% of His $700B Empire

Buffett's investment strategy mirrors the 80-20 rule, with 80% of Berkshire's portfolio concentrated in just seven stocks, primarily Apple. As energy stocks thrive, the focus for 2023 is whether to adjust Apple's significant share.
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Why Does the Stock Market Close for Good Friday (Even Though It's Not a Federal Holiday)?

Good Friday is not a federal holiday in the U.S., yet major stock exchanges close due to tradition and practical reasons. This prevents issues caused by low trading participation. The bond markets also close, creating a full financial holiday.
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When the CEO Puts Their Money Where Their Mouth Is: UPS Gets a $1M Vote of Confidence

UPS CEO Carol B. Tome's recent $1M stock purchase signals confidence in the company's value, despite a slight dip post-purchase. With reliable dividends and potential growth, her investment highlights optimism for UPS's future.
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The Social Security 'Bonus' Myth — Here's How To Actually Boost Your Retirement Check

The essay debunks the myth of a viral Social Security bonus, emphasizing that maximizing benefits requires strategic planning. Key strategies include delaying claims until age 70, claiming spousal benefits wisely, and working longer to increase payouts based on higher earnings.
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India's Stock Market Faces Foreign Selling Pressure Ahead of F&O Expiry

Indian equities declined due to foreign institutional investor outflows, despite positive global sentiments. Major IT and media stocks fell, while the market showed slight resilience in mid- and small-cap segments.
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Google's Big Bet: Why Aluminium OS Could Reshape Personal Computing

Google is quietly orchestrating one of its biggest platform shifts in over a decade. The company is rolling out Aluminium OS, an Android-based system designed to unify phones, tablets, and PCs under one roof—effectively retiring ChromeOS in the process.
What's Actually Changing?
For years, Google
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Visa and Mastercard are no longer opposing encryption, but have instead become the biggest promoters?

Payment giants Visa and Mastercard are integrating stablecoins into their transaction networks, indicating that the forces of TradFi are bringing stablecoins into the mainstream payment system, making them a foundational infrastructure for cross-border payments. This shift positions stablecoin issuers like Circle and PayPal as winners, while the once-prominent crypto assets revolution appears to falter. Investment advice suggests following Visa/Mastercard stocks and stablecoin issuers.
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USDC-0.02%
PYUSD0.01%
LTC-7.63%
DOGE-9.19%
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2026 Investment Pick One: S&P 500, Gold or Bitcoin?

In recent years, the S&P 500 has risen by 96%, gold has increased by 118%, and Bitcoin has risen by 362%. Stocks rely on company cash flow, while gold and Bitcoin depend on market demand. A rational investment strategy is to reasonably allocate asset proportions, combining stocks, gold, and Bitcoin to achieve long-term wealth growth and risk hedging.
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BTC-5%
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Salesforce Q3 Earnings Coming Dec 3 — Here's What to Watch

Salesforce is set to announce its Q3 earnings on December 3, with revenue expectations of $10.24-$10.29 billion, a year-over-year increase. Despite AI advancements and cost restructuring, risks from a weak IT spending climate affect growth, making a hold recommendation prudent until earnings are released.
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The US dollar has risen again, with DXY hitting a new 5.5-month high, up +0.04%. The reason behind this is quite interesting - the stock market's plummet this week has led to a surge in demand for the dollar, and several Fed pros have come to support it. Boston Fed President Collins and Dallas Fed President Logan both stated their support for keeping interest rates unchanged, which is directly favourable information for the dollar. Additionally, the US November Michigan Consumer Sentiment Index was revised up to 51.0 (expected 50.6), it was about to da moon...
As a result, New York Fed Pre
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Market Rally Sparked by Soft Economic Data—Fed Rate Cut Odds Jump to 80%

US stocks closed higher on Tuesday, shaking off early losses to finish the day strong. The S&P 500 rose 0.91%, the Dow Jones climbed 1.43% to hit a 1-week high, and the Nasdaq 100 gained 0.58%. December futures followed suit, with E-mini S&P 500s up 0.90% and E-mini Nasdaq futures up 0.56%.
The
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Cold Front Coming: Why Natural Gas Is Getting Hot Again

Nat-gas prices rose this week due to unexpected colder weather forecasts, increasing heating demands. EIA data showed significant inventory drops, but rising production and drilling activity pose mid-term pressures. The situation reflects a short-term rebound rather than a trend reversal.
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