Author: Money Mechanics

Key Takeaways The Fed’s rate decisions affect how much banks and credit unions pay on deposits, and cuts are likely this fall. The best CDs can lock in top rates for the long term, while top savings accounts offer a solid return while keeping cash accessible for emergencies or near-term needs. Splitting savings between these two account types helps balance flexibility with guaranteed returns. The full article continues below these offers from our partners. Why the Fed’s Next Move Matters for Savers The Federal Reserve’s interest rate decisions are hotly anticipated for a reason: they directly impact the cost of…

Key Takeaways U.S. Securities and Exchange Commission (SEC) Chair Paul Atkins says that he’s “fast-tracking” Trump’s proposal to make quarterly earnings optional, letting companies choose semiannual reporting instead. Your 401(k) and retirement funds use quarterly reports for rebalancing and risk management—fewer updates could mean bigger market surprises and higher trading costs. Researchers argue that when Europe ditched quarterly reporting a decade ago, that didn’t cure short-term thinking, but it did make analyst predictions less accurate. President Donald Trump has renewed his push to let public companies report only twice a year instead of filing every quarter. The move was quickly…

Key Takeaways Retiring in a state that doesn’t tax 401(k) or pension withdrawals lets you keep more of your income and stretch your savings further. Of the top 50 U.S. cities to retire, 18 are located in states with no state tax on retirement income. From low housing costs to access to health care, arts, and entertainment, these tax-friendly cities provide a balance of financial security and quality of life. When you’re on a fixed retirement income, every dollar counts. That’s why it pays to live in a state that won’t tax your 401(k) or pension withdrawals—you get to keep…

Unlock the Editor’s Digest for freeRoula Khalaf, Editor of the FT, selects her favourite stories in this weekly newsletter.A few weeks ago a colleague and I travelled to Changsha, the capital of central China’s Hunan province, to take a glimpse at the future of trucking and logistics.Inside a new $3bn industrial park on the city’s outskirts Sany group, which is already China’s biggest producer of construction equipment, a highly automated factory is churning out tens of thousands of battery-powered trucks as well as solar-powered battery charging and swapping stations.“We can see the trend of the future will be focused on…

Key Takeaways As you’d expect, Americans ages 35-44 have more saved than people younger than 35, but less than their older counterparts. Your age, your financial situation, your goals, and other factors determine your ability to save. Automating savings and taking advantage of work benefits can help boost your savings. One of today’s best high-yield savings accounts or a top nationwide CD can also help maximize your savings. The full article continues below these offers from our partners. What the Average American Has Saved by Age 35-44 (and How You Stack Up) If you’re in your 30s or 40s, you…

Key Takeaways Your Social Security benefits may be taxable—up to 85%—depending on your combined income and filing status.A new deduction for older adults can cut taxes for those 65-plus, but it phases out at higher income levels. Working in retirement can limit the deduction and temporarily cut your Social Security benefits. As a retiree, Social Security benefits can make up a large portion of your income, and taxes can cut into that. A new deduction for older adults could offer some tax relief—but only if your total income stays below certain thresholds. How Social Security Benefits Are Taxed First, let’s go…

We came across a bullish thesis on Elme Communities on Valueinvestorsclub.com by Rulon Gardner. In this article, we will summarize the bulls’ thesis on ELME. Elme Communities’s share was trading at $16.93 as of September 18th. ELME’s trailing P/E was 38.57 according to Yahoo Finance. Photo by Owen Lystrup on Unsplash Elme Communities (ELME), formerly Washington REIT, has opted for a full liquidation following years of underwhelming shareholder returns. The company announced the sale of 19 properties to Cortland for $1.6 billion, with remaining assets, including the Watergate 600 office building, to be marketed separately. Cortland, which previously acquired Pure…

AbbVie (NYSE: ABBV) has outperformed the market over the past 5 years by 6.25% on an annualized basis producing an average annual return of 20.98%. Currently, AbbVie has a market capitalization of $394.19 billion. Buying $100 In ABBV: If an investor had bought $100 of ABBV stock 5 years ago, it would be worth $256.09 today based on a price of $223.16 for ABBV at the time of writing.AbbVie’s Performance Over Last 5 YearsFinally — what’s the point of all this? The key insight to take from this article is to note how much of a difference compounded returns can…

US dollar faces near-term pressure from government shutdown risk and political uncertainty. Key economic data releases will guide Fed decisions and influence DXY moves. Technical resistance at 98 may cap gains, while support at 97.50 limits downside. Looking for actionable trade ideas to navigate the current market volatility? Subscribe here to unlock access to InvestingPro’s AI-selected stock winners. The opened the week lower, continuing Friday’s drop. Investors are worried about a possible US government shutdown and the stream of economic data. Last week, the DXY had risen as expectations for a weakened, but it fell back after Friday’s came in…

As per a new report from Morningstar DBRS, climate change is expected to be a meaningful primary long-term driver of reinsurance volumes. However, while the reinsurance market is currently at overcapacity, this is setting the stage for softer conditions in the medium term, the analysis states.Analysts also suggest that as demand for reinsurance continues to rise, fueled by both climate change and growing annual catastrophe losses, the need for more reinsurance capital, including alternative sources such as catastrophe bonds and insurance-linked securities (ILS) will persist. “As temperatures continue to rise worldwide because of climate change and global emissions, the reinsurance…