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The article discusses tips to help Americans achieve financial maturity and financial stability. These tips include budgeting money through some principles and establishing priorities, managing debts including student loans and medical debt and improving credit score, and saving early for retirement and other saving goals.

The article reports on personal finance promises made by U.S. President-elect Donald J. Trump. Topics discussed include changes when the Congress passed the Tax Cuts and Jobs Act during Trump's first term, plan of a Trump administration when it comes to student loans, and actions taken by Trump during his presidency to weaken the Affordable Care Act.

14/ 10/ 2024, 11: 23 The New York Timeshttps:// nytimes. pressreader. com/ the- new- york- times/ 20241012 23/ 44 14/ 10/ 2024, 11: 23 The New York Times https:// nytimes. pressreader. com/ the- new- york- times/ 20241012 26/ 44 [Extracted from the article]

10/ 1/ 24, 2: 49 PM The New York Timeshttps:// nytimes. pressreader. com/ the- new- york- times 25/ 52 10/ 1/ 24, 2: 49 PM The New York Times https:// nytimes. pressreader. com/ the- new- york- times 28/ 52 [Extracted from the article]

The article explores why investors should stay calm when the stock market is falling or about to fall. Topics discussed include investors' tendency to sell stocks when the market is falling, the eventual recovery of investments for retirement, and the monitoring of the performance of investment portfolio.

7/ 24/ 24, 1: 50 PM The New York Timeshttps:// nytimes. pressreader. com/ the- new- york- times/ 20240724 21/ 48 7/ 24/ 24, 1: 50 PM The New York Times https:// nytimes. pressreader. com/ the- new- york- times/ 20240724 23/ 48 [Extracted from the article]

The article reports on the cancer diagnosis received by personal finance guru Jonathan Clements from his doctor, who claimed that he will be lucky if he will live for 12 months. Also cited are Clements' longevity planning advice like saving early and not taking Social Security before age 70 and how he lived what he preached on saving money for the future.

The article suggests several things that college students might bring if they are living on campus which cannot be purchased at retail chains like Target. These include health care power of attorney, consent for students under 18 years of age, AT&T card, authorize user and emergency card, medical history and shared documents, playlists, notes and lessons learned in life that are worth rereading, late-night pizzas, and safe words and advice from parent for solving issues and problems.

The article reports on how financial advisers and other investment professionals can be fatigued or burned out in their work, particularly in answering the question asking for hot investment tips. Also cited are how said professionals can achieve personal satisfaction by helping their clients achieve their financial goals and the comment of financial planner Danika Waddell on his job.

The article shares guidance to help airline passengers navigate a refund for poor in-flight Wi-Fi service. Topics discussed include characteristics of poor Wi-Fi which are reasonable for requesting a refund, factors to consider when planning to dispute in-flight Wi-Fi charges with credit card companies, and tips for making a refund request in several airlines including Alaska Airlines, Delta Air Lines and Southwest Airlines.

The article provides practical financial advice tailored to different life stages, emphasizing the importance of seeking guidance and understanding from experienced individuals to navigate complex financial decisions effectively.

The article warns about possible perjury case when taking workplace retirement funds, citing convictions against former prosecutor Marilyn Mosby for impermissible withdrawals, making a false mortgage application when she acquired a condo in Florida and false claim of financial hardship during the coronavirus pandemic. It presents questions and answers about imprisonment for impermissible withdrawal, difference of early withdrawal rules for individual retirement accounts, and hardship rules.

The article focuses on Ron Lieber's surprise at learning that using credit-card disputes, a useful tool for consumers, could result in being placed on a rental car company's banned customer list.

The article focuses on the growing confusion and challenges within the insurance industry, particularly surrounding policy increases, claims processing, and the broader impact on consumers facing higher premiums and a changing market.

The article discusses challenges facing Americans with regards to accessing home equity. Topics discussed include a comparison between saving for retirement account and paying a home mortgage, challenges in refinancing mortgages and getting a home equity loan including high interest rates and the need for high income and credit score, and the pros and cons of reverse mortgages.

The article raises questions about the potential tax benefits of selling and donating in vitro fertilization (IVF) human embryos. It reports the ruling of the Alabama Supreme Court that frozen embryos should be considered children. It discusses tax deduction issues for donating including embryos as property, classification of embryos given the varying tax treatments for different types of assets, fair market value of embryos, cost to create and maintain embryos.

The article provides an overview of the cost of education in the U.S. for 2024-2025 school year. A letter to a newly admitted Vanderbilt University engineering student showed an all-in price of 98,426 dollars. According to the College Board, the average 2023-2024 list price for tuition fees, housing and food at private, nonprofit four-year schools was 56,190 dollars. Williams College says it spends about 50,000 dollars more per student than its list price.

The article analyzes the potential of the Robinhoos Gold credit card with three percent cash back on all purchases to last. It discusses different ways to make money with credit cards, such as feed merchants pay to accept them, interest when people carry a balance, and annual fees. It considers the discretion of Robinhood to make changes to the Rewards Program or change the terms of this agreement any time under the financial services company's rewards rules.

The article describes the journey of writer Sarah F. Cox in finding her lost money from an investment account that the State of New York was holding under her name. It discusses how investment banking company Morgan Stanley discovered that investment management company Eaton Vance had used to transfer Cox's funds to the state. It suggests claimants to contact the organization they originally did business with, provide credentials, and appeal when blocked.

An interview with Ken Corbin, chief taxpayer experience officer of the U.S. Internal Revenue Service (IRS), is presented. He discussed whether it was necessary to create the chief experience officer role, information on the agency's customer callback feature, and what people get wrong tactically when trying to solve problems with the IRS.

The article reports on the free tax clinic at Rancho Cucamonga High School in California wherein students file tax return for anyone. Topics discussed include the Internal Revenue Service's Volunteer Income Tax Assistance (VITA) program which trains people to help their neighbors in filing their annual tax returns, the need for volunteer students to study an Income Tax 101 curriculum and take tests based on Form 6744 to join VITA, and the high school students' learning of personal finance.

The article presents the discussion on massive data breach involving around 2.9 billion personal records from a background check company, with concerns about the breach's extent and the potential misuse of stolen data. Topics include importance of maintaining data privacy and security, practical steps to mitigate risks such as freezing credit files; and additional security measures like using two-factor authentication.

The article focuses on the aftermath faced by individuals and small businesses whose checking accounts were unexpectedly closed by banks, with a specific focus on Mansoor Shams, a Marine veteran from Baltimore, exploring the challenges he encountered while seeking employment at a bank.

The article reports on the changes to the Free Application for Federal Student Aid (FAFSA) rules that include the grandparent loophole, where students can apply for aid with assistance from a grandparent, as part of the FAFSA simplification legislation. It looks forward to reduced errors in applications under the revised FAFSA and savings for parents who are eligible for financial aid. It suggests low-income families to open a 529 college savings plan which is free of tax.

The article reveals the truth behind the 50,000 dollar scam, where a thief impersonated online retailer Amazon and the U.S. Federal Trade Commission (FTC) and the U.S. Central Intelligence Agency (CIA). It discusses the nonexistence of a direct Amazon line to the FTC, unlikelihood of the FTC to offer a badge number, the fact that the CIA will not make a call to collect money, banks' non-restriction of customers from accessing their money, and that thieves use their brains in money laundering.

The article suggests a safety plan for writing checks to avoid check fraud. These include using the entire line or drawing a line to the end when writing the payee's name, using gel pens with ink that are difficult to wash, contacting the bank for unusual checks, keeping a separate account for check writing, reporting check theft to the U.S. Postal Service, taking pictures of checks as proof, and using a bank's online bill-payment platforms over paper checks.

The article outlines different ways for banks to cancel account holders in a kind manner. These include magnifying account agreements, communicating the urgency of additional information, making a Google search of the person, telling people the reason why they are barred from having a checking account instead of filing a Suspicious Activity Report to the federal government, and including more information in letters to consumers as to the closure of credit or checking accounts.

The author comments on the process of filling out the Free Application for Federal Student Aid (FAFSA) digital form. He notes the availability of the FAFSA website only for short periods of time during its soft launch, as well as the lack of assurance if the form saved their income data. He appreciates the site design and friendly user interface and also expresses sympathy for the government employees who need to tilt up a website that millions of people will be going to use.

The article reports on the increase in fraud involving paper checks in the U.S. Topics discussed include the stealing of paper checks sent via mail by fraud artists and crime rings and then depositing the checks into their accounts, the decline in the use of paper checks, and the impact of check fraud on banks and customers.

The article reports on the problem with checks stolen from mail that are being sold in batches online. It describes the operation of check fraud as a business, including the sale of checks via the messaging app Telegram. It presents the cases of stolen checks, including checks made out to the nonprofit organization St. Simons Land Trust and another group of checks from the bank accounts of people who live in Bartlett, Tennessee supposedly for TV Guide, Sears and the local water department.

The article focuses on financial protests on college campuses, highlighting how students and individual investors can influence institutions by divesting from certain stocks based on personal values and ethical considerations.

The article focuses on the Alabama Supreme Court's recent decision impacting in vitro fertilization treatments, prompting questions about the financial implications of moving embryos to states with different regulations, including concerns about the cost.

The article discusses how businesses are selling to U.S. soldiers as they have regular paychecks and the issues facing financially inexperienced troops. Also cited are the warning issued by the Consumer Financial Protection Bureau about the allotment system that allows lenders to collect money directly from soldiers' paychecks, and the growing opportunities for lenders to profit from the servicemen.

The article provides suggestions to bank customers in the U.S. on how they can keep their banks from closing their account. Topics discussed include anatomy of a checking account, ways to avoid fraud involving mail theft and checks, and advice on how to avoid suspicious transactions. It also mentions importance of being proactive and reactive, and reason banks sometimes restricts accounts.

The article reports on the expected move by budgeting software application (app) Mint to consider and shift to other alternatives following the closure of the app. Also cited are the 2023 survey by Javelin Strategy & Research showing that 41% of respondents do not use money management apps or website aside from their banks' and the potential uses of said apps like budget monitoring and some of the recommended apps like Monarch Money, Copilot Money, and PocketGuard.

The article reports on the move by banks to deactivate or shutter the accounts of their clients like their checking and savings account as an alleged de-risking strategy. Also cited are the aim of said actions to prevent terrorism, fraud, money laundering, and human trafficking, and the use by banks of computer algorithms to detect possible anomalous transactions.

The article features Stephanie Land, author of the books "Maid" and "Class." Topics discussed include challenges she face when selling a book, Land's student loans and credit card debt when she got her first book payment in 2016, and difficulty she faced when trying to buy a home even with a Netflix deal.

The article focuses on the University of California and California State University systems, along with other schools, granting extensions on their intent to register deadlines due to delays in receiving federal financial aid data, resulting in a financial-aid free-for-all amid changes.

The article focuses on the confusion surrounding changes in financial aid rules for families with multiple children in college, highlighting the lack of clarity from colleges and universities regarding the impact of the Free Application for Federal Student Aid (FAFSA) overhaul. Topics discussed include the implications of the FAFSA overhaul, uncertainties in financial aid calculations, and strategies for families navigating the complex process of determining college costs amidst the changes.

The article discusses how some students in the U.S. are making false statements and breaking rules to apply to the Free Application for Federal Student Aid (FAFSA) by logging in using their parents' credentials, with their parents' permission, to complete the form.

The article focuses on the delay in transmitting Free Application for Federal Student Aid (FAFSA) data to schools until March, impacting colleges' ability to offer accurate financial aid estimates to students.

The article focuses on the increasing trend of banks abruptly shutting down customer checking accounts without sufficient explanation, leaving innocent individuals and small business owners frustrated, as banks cite user agreements that grant them the authority to close accounts at their discretion. It mentions the challenge for banks lies in balancing customer frustrations with regulatory scrutiny, as regulators closely monitor banks for signs of money laundering or fraud.

The article cautions on possible financial losses from investing savings or retirement balances in cyptocurrency. It presents an analysis from Prew Research Center on the gender split and racial wealth gap in cryptocurrency investment. It attributes the attraction of cryptocurrency to the possibility of high returns. Focus is given on the financial losses of investors in the wake of the 2008 economic meltdown and the suffering of cryptocurrency owners.

An interview with Luke Herrine, assistant professor of law at the University of Alabama, is presented. Herrine discusses the authority of the U.S. Department of Education under the Higher Education Act of 1965 and the authority of the Education Department secretary to compromise when litigating against a borrower in default. He suggests the implementation of student debt cancellation without requiring any application from debtors.

The article presents questions and answers related to student debt cancellation, cost of college education, aid for international students, and 529 college savings plans.