Author: Money Mechanics

(Image credit: Getty Images)This month is Women’s History Month, which is a great time for women of all ages to reflect on their independence and ability to thrive.This kind of reflection is particularly useful for women in their 30s, when life can feel as if it’s in constant motion. Relationships deepen, change or end. Children may enter the picture, and aging parents may start to need support. Careers accelerate or pivot.Financially, though, this decade isn’t just about earning more. It’s about making smarter, more aligned decisions during those life transitions.Article continues below From just $107.88 $24.99 for Kiplinger Personal Finance…

(Image credit: Getty Images)I am currently covered by my wife’s health care insurance, which is better than the plan my employer offers. However, her plan doesn’t offer a health savings account (HSA).Fortunately, my company has a flexible spending account (FSA) plan, which can be used to pay for most of the same expenses as an HSA.In 2025, I signed up for an FSA for the first time. It was near the end of the enrollment deadline, and I elected a total plan-year pre-tax contribution amount of $1,000 without digging deeply into the details of the plan.Article continues below From just…

Key Takeaways Dividend investments offer regular income while preserving principal.Building a mix of dividend-growth stocks is crucial.ETFs can diversify dividend growth and high-yield stocks. The single greatest worry of anyone planning for retirement is probably the fear of outliving your savings. No matter how much money you sock away in your 401(k) or your IRAs, you worry that it might not be enough. One possible solution is to focus your portfolio on dividend-paying stocks, mutual funds, and exchange traded funds (ETFs). Hang onto your principle. Create a regular cash flow that will supplement your other income, such as Social Security…

Key Takeaways Annuities provide a steady income stream, often for life.Bonds offer fixed interest payments and return of principal at maturity.Annuities and bonds serve long-term financial goals differently.Bonds typically yield higher returns than annuities.Both annuities and bonds are considered safe investments. Annuities and bonds are two financial products often used by investors who are seeking a steady stream of income in retirement. However, tax regulations, interest rates, lending systems, and maturity lengths for these products vary widely. Before you make any investment decisions, it’s important to know how they differ. damircudic / Getty Images Annuities and bonds are popular ways…

Key Takeaways Admiral Shares have lower fees than Investor Shares, enhancing cost savings.A $3,000 minimum investment is needed for most index funds with Admiral Shares.Admiral Shares offer an average expense ratio of 0.14%, significantly lower than Investor Shares.Vanguard can convert Investor Shares to Admiral Shares, providing easy cost-saving access.Over 100 Vanguard fund options offer Admiral Shares for portfolio diversification. Admiral Shares represent a separate class of shares in Vanguard-administered mutual funds, offering lower fees by an average of more than 50% compared to the standard Investor Share class. Vanguard offers Admiral Shares across a select group of mutual funds and requires investors…

Key Takeaways Gold is seen as a hedge against inflation and a store of value.Physical gold can be held as coins, bullion, or jewelry.Central banks hold nearly one-fifth of the world’s supply of gold.Gold-based savings plans allow regular contributions to accumulate gold.Gold certificates represent ownership of gold without needing physical management. If you’re wondering whether investing in gold pays off, you probably just need to see the giddy spirits of anyone who has invested in it before the significant spike in the metal’s prices in the 2020s. Before that, gold was the topic of dodgy sales pitches selling various gold-linked…

The S&P 500 Index ($SPX) (SPY) on Monday closed up +0.71%, the Dow Jones Industrial Average ($DOWI) (DIA) closed up +0.39%, and the Nasdaq 100 Index ($IUXX) (QQQ) closed up +1.13%.  March E-mini S&P futures (ESH26) rose +0.69%, and March E-mini Nasdaq futures (NQH26) rose +1.14%. Stocks during the morning traded lower on an overnight spike in oil prices above $100 per barrel, but were then able to recover after President Trump told CBS News in a phone interview that “I think the war is very complete, pretty much” and that the military operation is “very far” ahead of its 4-5 week timeframe. Oil…

A sustained rally above $5,394 would signal a major volatility expansion phase targeting the weekly Sell-2 extreme near $5,628. This level represents a statistically rare price extension where markets become significantly overbought relative to their equilibrium. If reached, it would confirm a strong bullish impulse consistent with Square-of-9 harmonic resistance and VC PMI probability extremes. are consolidating around the VC PMI equilibrium zone, with price trading near $5,217, slightly above the VC PMI Weekly Mean of $5,199 and the Daily Mean of $5,206. This behavior reflects a market oscillating around its statistical equilibrium. In the VC PMI framework, when price…

Iyer said the company is working with customers to support a “smooth and thoughtful conclusion” to the wind-down.The move follows Radian’s September 2025 disclosure that it planned to divest its “all other business” segment, including Radian Mortgage Capital and its title and real estate services operations, by no later than the third quarter of 2026. That strategy was part of a broader corporate shift tied to Radian’s $1.7 billion all-cash acquisition of Inigo Limited from Lloyds, a deal that repositions the company from a U.S. mortgage insurer into a global, diversified, multiline specialty insurer. Radian stressed that the conduit wind-down…

Screenshot by Jack Wallen/ZDNETFollow ZDNET: Add us as a preferred source on Google.ZDNET’s key takeawaysKaOS Linux no longer defaults to KDE Plasma.In Plasma’s place is the scrollable tiling Niri.KaOS is free to install and use.Over the years, I’ve watched Linux distributions make all sorts of changes — some that made sense and some that didn’t. So when I read that KaOS was dropping the KDE Plasma desktop in favor of Niri (which I’d never heard of), I thought, “Hoo boy, this marks the beginning of the end.”I was wrong. Niri is actually pretty cool.Also: After 30 years with Linux, I…