Author: Money Mechanics

The yellow metal is sitting in one of the most analytically interesting places it has occupied all year. is changing hands somewhere between $4,704 and $4,718 depending on the venue, up about 0.61% on the session and on track for a 2.25% weekly advance even as the rally has stalled stubbornly below the $4,770 zone. The chart is doing the kind of compression that historically resolves with violence in one direction or the other — pressed against the descending trendline that has connected every lower high since March, riding above the cleanly reclaimed 100-day stretch of moving averages, and sitting…

By David Enna, Tipswatch.com One morning last week on Bloomberg, a fixed-income analyst was asked about the effect of a 5% nominal yield on a 30-year Treasury bond. He said: “Then you’ll see bond investors attacking like seagulls in Finding Nemo.” (See Nemo video) I must have seagull instincts. A 30-year nominal cracking 5% doesn’t particularly interest me, but I was curious about real yields for the top end of my ladder of Treasury Inflation-Protected Securities, years 2040 to 2043. So I flocked in. When I built this ladder, mostly in late summer/fall of 2023, I didn’t quite fill out…

In this edition of The Price Point—a weekly series where Redfin data journalists explore current housing inventory across a rotating combination of budgets and metro areas—we’re shifting our focus toward a few of the best cities for new college grads, according to Redfin’s latest report on the subject (conducted in partnership with Glassdoor).  And with early-career folks in mind, we’re looking at an affordable price point: $250,000. The quarter-million mark is firmly “starter home” territory across most of the country, but the size of these starter homes can vary quite a bit depending on where you look.  What $250,000 Gets…

Adam Doud/ZDNETFollow ZDNET: Add us as a preferred source on Google. ZDNET’s key takeawaysI tested 5G on country roads and farmland for three days. Verizon led in overall network levels, followed by AT&T and T-Mobile.T-Mobile was the only network to pull in a 5G signal.My quest to test 5G has taken me to a baseball game and interstates between Chicago and Nashville. Through the journey, I’ve carried three phones from the three major US carriers to determine which has the best coverage. I just did it again, but I changed some things up.Also: I compared Verizon, T-Mobile, and AT&T 5G coverage…

(Image credit: Getty Images)Question: I am 73 and healthy, but my beloved husband has early-stage dementia. His diagnosis was a shock, but on reflection, I realize that he was starting to repeat himself and had forgotten to pay a few bills. He is doing well, yet I know he could already jeopardize our $1.6 million in savings. How can I restructure our financial plan and estate and pay for his long-term care?Answer: I’m so sorry about your husband’s diagnosis, but you are certainly not alone. Dementia is something many American families are either coping with now or might face someday.…

(Image credit: Getty Images)I never thought I’d be a financial adviser, but I always knew I wanted to be a mom.Now I’m both — and both are my dream jobs. And because I love what I do, I’m never really turning off one role for another but rather leaning into both.At work, I think about helping families make thoughtful, values-driven decisions about their money so they can live the lives they envision. From just $107.88 $24.99 for Kiplinger Personal Finance Become a smarter, better informed investor. Subscribe from just $107.88 $24.99, plus get up to 4 Special Issues CLICK FOR…

(Image credit: Getty Images)Odds are that you’ve encountered modern portfolio theory before, even if you’ve never heard the term. It’s been a driving force behind investment advice for decades.Briefly, modern portfolio theory is the idea that as you diversify your investments, you ensure that riskier investments are offset, at least to some degree, by more conservative ones, based on your risk tolerance.In other words, an individual investment’s risk shouldn’t be viewed in a vacuum. It should be scrutinized based on how it fits into the portfolio’s overall risk and return. Before modern portfolio theory, investors tended to view each investment…

(Image credit: Getty Images)In Morgan Housel’s most recent book, he defines “wealth” as everything you have minus everything you want.If I were to ask any engineer what “wealth” means to them, they would give me an exact dollar figure.This is all to say that the meaning of “wealth” is subjective. From just $107.88 $24.99 for Kiplinger Personal Finance Become a smarter, better informed investor. Subscribe from just $107.88 $24.99, plus get up to 4 Special Issues 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…

A new architectural showpiece has come to the market in Los Angeles—offering the chance to own a “once-in-a-generation” design with unique interconnected living spaces that are both vast and cozy all at the same time. The recently-completed estate at 12309 Viewcrest Road, which is listed for $28 million, is being referred to as the “pavilion” mansion, thanks to its uniquely-designed layout that is made up of “a series of pavilions,” each of which flows effortlessly into the next. Located in the heart of Studio City, the striking contemporary residence was conceived by Koffka/Phakos Design to blend dramatic scale with organic…

Find out how much you could earn by locking in a high CD rate today. The Federal Reserve cut its federal funds rate three times in 2025. So far in 2026, the Fed has left interest rates alone, and so now could be your last chance to lock in a competitive CD rate before rates move further. CD rates vary widely across financial institutions, so it’s important to ensure you’re getting the best rate possible when shopping around for a CD. The following is a breakdown of CD rates today and where to find the best offers. CD rates today,…