Young People: Who Said You Have To Be Wealthy To Invest?

Young adults have weathered difficult times the past two decades: mass school shootings, extreme weather conditions, student loan debt, and a global pandemic. But now they’re witnessing an unprecedented job market, where even those with little to no work experience can dictate their own terms. It’s important that we steer our young adults to good…

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Payday Lenders Hit by new Regulations

IO Blog Post #538                                                    Payday Lenders Hit by new Regulations In June, Congress overturned a set of regulations enacted in late 2020 by the Office of the Comptroller of Currency (OCC). The nullified rules, which have been signed off by President Biden, end a payday lender practice that was referred to as a “rent-a-bank” scheme.…

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What Is Green Hydrogen?

Hydrogen is the universe’s lightest and most abundant element. It accounts for about 90% of the universe. However, what makes hydrogen “green” is how it is generated. Today, hydrogen is largely created in “gray” and “blue” forms, which means it is produced by fossil fuels. Green hydrogen is generated via renewable energy sources, and economists…

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What is Investing on Margin?

This year, investors are making record-high margin investments against their accumulated assets. According to FINRA, margin debt had reached $847 billion by the end of April.1 Much of this activity is fueled by low interest rates and rising stock prices, making leverage investing more appealing. However, investing on margin poses significant risks. You can purchase…

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Moving During Retirement

Some people stay in place when they retire, while others buy a second home or relocate entirely. If you’re thinking of buying a new home, should you plan the purchase before you stop working, or is it possible to get to a mortgage after you’re retired? Plenty of retirees can qualify for a mortgage while…

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College Savings: An Update

Congress is known for passing enormous bills with lots of little-known provisions that are not entirely central to the key objectives of the bill. Alas, the Coronavirus Response and Relief Supplemental Appropriations Act of 2021 is one of them. It contains changes to how students and parents apply for student aid via the Free Application…

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The Vaccine Economy

How well the world economy recovers from the pandemic will depend largely on the number of people who receive the vaccine. For that reason, the U.S. isn’t just dependent on its own citizens getting vaccinated; all other countries need high numbers as well. According to Kristalina Georgieva, International Monetary Fund chief, vaccine policy will be…

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Roth vs. Traditional IRA: Retirement and Estate-Planning Advantages

It would be nice if the Roth IRA had been around long as the traditional IRA. Imagine the long-term benefits of tax-free growth throughout a 40-year career. Annual contribution limits for IRAs are relatively low ($6,000; $7,000 for 50-plus), but the Roth is a good complement for investors who also contribute to an employer-based retirement…

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Restoring Trust

We tend to have complex lives, juggling the demands of family, work, school, finances, friendships and the broader community. Twenty-first century living has only increased the quagmire of what we are responsible for, from paying multiple bills for the same type of service (landline/cellphone, cable/streaming services) to repairing more household items (modems, computers, wearable devices)…

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Reshoring: What’s the Future for Products and Services Made in America?

According to a recent survey of supply chain professionals, the COVID-19 pandemic interrupted 98% of global supply chains. Among the most disruptive supply challenges was the procurement of personal protective equipment, pharmaceuticals and semiconductors. Companies that had outsourced manufacturing to other countries experienced firsthand the types of risks associated with offshoring. The previous administration placed…

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