Biden’s new student loan forgiveness plan will provide multiple pathways to relief. Here’s a breakdown of who qualifies, how people will apply, and when relief begins. https://advisorstream.com/read/forbes/money/25-million-people-could-get-student-loan-forgiveness-under-new-plan-whos-eligible-how-to-apply/?c=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJub2RlX2lkIjoxMTE4NiwicHJldmlldyI6ZmFsc2UsImNvbW1faWQiOjk4NDE4ODEsImRlc3RfaWQiOjEyMTc3NjQ4LCJyZWFkZXJfaWQiOm51bGwsInBlcnNvbmFfcHJldmlldyI6ZmFsc2V9.MJWI66xOpsU0R8NNxpfpoX0rMFYZIWs01vpIgonFppQ
Being courageous means making decisions that might not be popular but are necessary. Here’s how to be a courageous leader. https://advisorstream.com/read/forbes/leadership/how-to-become-a-courageous-leader-what-it-means-for-career-success/?c=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJub2RlX2lkIjoxMTE4NiwicHJldmlldyI6ZmFsc2UsImNvbW1faWQiOjk4NDA2MTksImRlc3RfaWQiOjEyMTc2MjQzLCJyZWFkZXJfaWQiOm51bGwsInBlcnNvbmFfcHJldmlldyI6ZmFsc2V9.B-pYVrbX5aphmspTVViwuVX0UToPPpjAUHJgEdtkIAc
While some may cringe at forced rituals, research shows that personal and team rituals can actually benefit the way we operate. Harvard Business Review explored the ways rituals can set us up for success before work, get us psyched https://advisorstream.com/read/the-research-backed-benefits-of-daily-rituals/?c=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJub2RlX2lkIjoxMTE4NiwicHJldmlldyI6ZmFsc2UsImNvbW1faWQiOjk4Mzk4OTEsImRlc3RfaWQiOjEyMTc1MTU0LCJyZWFkZXJfaWQiOm51bGwsInBlcnNvbmFfcHJldmlldyI6ZmFsc2V9.-Dwo2YXY-ZXQ0ngEib8Ifr0sDnu1D9uN6rHqHyVmF8A
Find out more https://www.advisorstream.com/br/?c=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJub2RlX2lkIjoxMTE4NiwicHJldmlldyI6ZmFsc2UsImNvbW1faWQiOjk4MzgzMjYsImRlc3RfaWQiOjEyMTcyNTgyLCJyZWFkZXJfaWQiOm51bGwsInBlcnNvbmFfcHJldmlldyI6ZmFsc2V9.r4465DdDgcGxmuDHxfn60b7WJElBfh-K4yiwNWbYn6o&a=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJwcm94eV9wayI6OTUxNX0.-od9G90DEBkf1odtJnevsBZuKyT3iP-N04-oh-g6QoA
Change is constant. Mastering change management is key. Here are 5 strategies to manage change effectively and also maintain your sanity in the process. https://advisorstream.com/read/forbes/leadership/how-to-maintain-your-sanity-when-managing-change/?c=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJub2RlX2lkIjoxMTE4NiwicHJldmlldyI6ZmFsc2UsImNvbW1faWQiOjk4Mzc0NzcsImRlc3RfaWQiOjEyMTcxNDc3LCJyZWFkZXJfaWQiOm51bGwsInBlcnNvbmFfcHJldmlldyI6ZmFsc2V9.I41DcHOuX_woii7anwDjGeBOnrUAEzIbgaNa0KBbIIY
The settlement cycle for U.S. stocks and other securities will be changing on May 28, 2024. https://www.advisorstream.com/br/?c=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJub2RlX2lkIjoxMTE4NiwicHJldmlldyI6ZmFsc2UsImNvbW1faWQiOjk4MzU4ODEsImRlc3RfaWQiOjEyMTY4ODEzLCJyZWFkZXJfaWQiOm51bGwsInBlcnNvbmFfcHJldmlldyI6ZmFsc2V9.Setp44iJk9kS1oAyCHsuip9gOIn41v9-l4-a7A6vzBA&a=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJwcm94eV9wayI6OTY4MH0.QR5feLZMhBuUrIKVWqL5iaIEwV2lRoxYVTO-KeQDC84
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Demand for luxury goods may be outstripping mass market equivalents thanks to the widening income gap, but that isn’t helping Bentley Motors. https://advisorstream.com/read/bentley-ceo-says-sales-are-down-because-the-rich-are-experiencing-emotional-sensitivity-due-to-the-cost-of-living-and-dont-want-to-flaunt-their-wealth-with-a-new-luxury-car/?c=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJub2RlX2lkIjoxMTE4NiwicHJldmlldyI6ZmFsc2UsImNvbW1faWQiOjk4MzQ4ODMsImRlc3RfaWQiOjEyMTY3MzE5LCJyZWFkZXJfaWQiOm51bGwsInBlcnNvbmFfcHJldmlldyI6ZmFsc2V9.5A7MnE5gX6-AWh36RfYG9VRmAzdSg15A1E1rwlpRbNM
Why do people reject so much of the bountiful catches from our seas in favour of the same few species, mostly imported – and how to change that. https://advisorstream.com/read/guardian/goodbye-cod-hello-herring-why-you-should-put-a-different-fish-on-your-plate/?c=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJub2RlX2lkIjoxMTE4NiwicHJldmlldyI6ZmFsc2UsImNvbW1faWQiOjk4MzM3NzgsImRlc3RfaWQiOjEyMTY1ODYxLCJyZWFkZXJfaWQiOm51bGwsInBlcnNvbmFfcHJldmlldyI6ZmFsc2V9.773FqDeGg3zGbx6hptDvkAdkdZSBeruTkjyyqqvFaZY
The stock market is in a bit of a slump.
The S&P 500 has fallen for four consecutive days, its longest losing streak since the beginning of January. https://advisorstream.com/read/stocks-can-be-revived-by-tech-earnings-what-happens-if-that-fails-and-5-other-things-to-know-today/?c=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJub2RlX2lkIjoxMTE4NiwicHJldmlldyI6ZmFsc2UsImNvbW1faWQiOjk4MzE5MTksImRlc3RfaWQiOjEyMTYzMjQ4LCJyZWFkZXJfaWQiOm51bGwsInBlcnNvbmFfcHJldmlldyI6ZmFsc2V9.g5OXUfFLniApIjFDxr63q3-ocRVS9Bdhkhn4vJ6byVw
How a 59-year-old divorced woman thrust into early retirement found a new start in Mexico. Here’s how she budgets, manages healthcare and spends her days. https://advisorstream.com/read/retiring-in-mexico-a-former-librarian-reflects-on-15-years-in-oaxaca/?c=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJub2RlX2lkIjoxMTE4NiwicHJldmlldyI6ZmFsc2UsImNvbW1faWQiOjk4Mjk3NTIsImRlc3RfaWQiOjEyMTU5ODIwLCJyZWFkZXJfaWQiOm51bGwsInBlcnNvbmFfcHJldmlldyI6ZmFsc2V9.hqHbk_Bger6NMZi-VNVsM35WhYXY0RRkY54hNGjwxmo
These are the qualities inherent in natural-born leaders. https://advisorstream.com/read/6-things-that-will-tell-you-if-you-are-destined-for-leadership/?c=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJub2RlX2lkIjoxMTE4NiwicHJldmlldyI6ZmFsc2UsImNvbW1faWQiOjk4Mjg1MDcsImRlc3RfaWQiOjEyMTU4Mjg4LCJyZWFkZXJfaWQiOm51bGwsInBlcnNvbmFfcHJldmlldyI6ZmFsc2V9.EQ65dsUj2aySAHsTay6q7uW7ZNFu3yXdjgtfqL0FE3o
The financial system will continue to act as a gigantic sticking plaster to address endemic imbalances and periodic crises. https://advisorstream.com/read/the-overlooked-threats-to-the-global-financial-system/?c=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJub2RlX2lkIjoxMTE4NiwicHJldmlldyI6ZmFsc2UsImNvbW1faWQiOjk4MjU5OTUsImRlc3RfaWQiOjEyMTU0NzMwLCJyZWFkZXJfaWQiOm51bGwsInBlcnNvbmFfcHJldmlldyI6ZmFsc2V9.CtpMkO6b8NWcSkS5be9ZsZQbg7yKClgz6S9NNYRbXXs
Crucial steps to consider to prepare for a divorce that prioritize your emotional and financial well-being. https://advisorstream.com/read/forbes/money/what-you-need-to-know-when-contemplating-divorce/?c=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJub2RlX2lkIjoxMTE4NiwicHJldmlldyI6ZmFsc2UsImNvbW1faWQiOjk4MjUwMTYsImRlc3RfaWQiOjEyMTUzMTIxLCJyZWFkZXJfaWQiOm51bGwsInBlcnNvbmFfcHJldmlldyI6ZmFsc2V9.Jfg-1NIdFGQq_Oc4QNjz0jjQwrfcwcq0Zz_kHaiWR90
Honing and trusting one’s intuition can lead to quicker, more effective decision-making. Here’s how to harness the power of listening to your gut to make the best choices. https://advisorstream.com/read/we-live-in-a-data-driven-world-heres-a-case-for-listening-to-your-gut-instead/?c=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJub2RlX2lkIjoxMTE4NiwicHJldmlldyI6ZmFsc2UsImNvbW1faWQiOjk4MjM1MjIsImRlc3RfaWQiOjEyMTUxNTkxLCJyZWFkZXJfaWQiOm51bGwsInBlcnNvbmFfcHJldmlldyI6ZmFsc2V9.OgmdENugTop0pGCQyT925vM1Xnc_EQsKM4ceLWO9U1k
There may be personal (nontax) reasons why you would want to gift some or all of your business interests. There is also a good reason built into the tax code. Gifting some or all of your business interest allows you to reduce or rem https://www.advisorstream.com/br/?c=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJub2RlX2lkIjoxMTE4NiwicHJldmlldyI6ZmFsc2UsImNvbW1faWQiOjk4MTQyNjcsImRlc3RfaWQiOjEyMTQ4NDE0LCJyZWFkZXJfaWQiOm51bGwsInBlcnNvbmFfcHJldmlldyI6ZmFsc2V9.NDZjqeWNwtQfdWZ_rnTzBqEli8RWFe0rD1J8zQ47Lb4&a=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJwcm94eV9wayI6MjMzNH0.opVObUYkCrTfgtjRYRjjlIPfkvmyL_uiyZUz-QiauTs
Lauren and Steven Keys built a million-dollar portfolio and left full-time work in their 20s. Their annual spending never surpassed $26,000, but they never felt like they were making sacrifices. The couple’s framework was: ‘How do w https://advisorstream.com/read/a-couple-that-quit-full-time-work-in-their-20s-share-the-money-mindset-that-propelled-them-to-financial-independence-without-altering-their-quality-of-life-we-made-zero-sacrifices/?c=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJub2RlX2lkIjoxMTE4NiwicHJldmlldyI6ZmFsc2UsImNvbW1faWQiOjk4MTIyMTEsImRlc3RfaWQiOjEyMTQ2NzIwLCJyZWFkZXJfaWQiOm51bGwsInBlcnNvbmFfcHJldmlldyI6ZmFsc2V9.nvKV8_9Kku0TR5QFRNPL8C018uxnt9P22WntZF1aKNU
Tax implications are a complicated and important part of any financial strategy and are often overlooked. The tax-equivalent yield calculation is a useful tool for investors, especially those in higher tax brackets. https://advisorstream.com/read/tax-equivalent-yield-explained-definition-calculation-examples/?c=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJub2RlX2lkIjoxMTE4NiwicHJldmlldyI6ZmFsc2UsImNvbW1faWQiOjk4MTA3NjYsImRlc3RfaWQiOjEyMTQ1MTE4LCJyZWFkZXJfaWQiOm51bGwsInBlcnNvbmFfcHJldmlldyI6ZmFsc2V9.vDFKrWuzYhRX8KQo1-3WTDaLPAEJoqoBBHc9CV-8ZPY
Students who outsource their thinking to AI tools pose a risk to future employers and more. https://advisorstream.com/read/chatgpt-essay-cheats-are-a-menace-to-us-all/?c=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJub2RlX2lkIjoxMTE4NiwicHJldmlldyI6ZmFsc2UsImNvbW1faWQiOjk4MDE2NTYsImRlc3RfaWQiOjEyMTQxNTQ2LCJyZWFkZXJfaWQiOm51bGwsInBlcnNvbmFfcHJldmlldyI6ZmFsc2V9.joJp5Nvv8jpGFCFnfKKvvhvjBdTK4kT2g9UvS2gAHQM
U.S. central bank officials started the year with the wind seemingly at their backs. No more. https://advisorstream.com/read/fed-rate-cuts-are-now-a-matter-of-if-not-just-when/?c=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJub2RlX2lkIjoxMTE4NiwicHJldmlldyI6ZmFsc2UsImNvbW1faWQiOjk3OTUzMTQsImRlc3RfaWQiOjEyMTM5NzUxLCJyZWFkZXJfaWQiOm51bGwsInBlcnNvbmFfcHJldmlldyI6ZmFsc2V9.BFghtMW0Ztm_K00qxFmz5aLS6-4uAVY5AE_LbMC3hYQ
If you share a mortgage or kids, you should probably get life insurance even if you’re not married. If you choose to forgo life insurance, it might still make sense to include an unmarried partner in a will. Make sure your partner a https://advisorstream.com/read/i-asked-2-financial-planners-whether-unmarried-people-need-life-insurance-their-answer-was-almost-always-yes/?c=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJub2RlX2lkIjoxMTE4NiwicHJldmlldyI6ZmFsc2UsImNvbW1faWQiOjk3OTM4NTUsImRlc3RfaWQiOjEyMTM4MTUyLCJyZWFkZXJfaWQiOm51bGwsInBlcnNvbmFfcHJldmlldyI6ZmFsc2V9.4cfmVzGyM7i3P5e5tKrf9xwCdSmmqBurVAlfwCTr03I
Stocks are still trading near record levels, but some investors say further gains may be more difficult to come by. https://advisorstream.com/read/heres-what-higher-for-longer-means-for-the-stock-market/?c=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJub2RlX2lkIjoxMTE4NiwicHJldmlldyI6ZmFsc2UsImNvbW1faWQiOjk3OTE0NDcsImRlc3RfaWQiOjEyMTM0NTE5LCJyZWFkZXJfaWQiOm51bGwsInBlcnNvbmFfcHJldmlldyI6ZmFsc2V9.VqvRLMJHAz9BBhcCNXL7gV9qhzw2zCHe9zt36vPFTYA
The cost of debt is the effective rate that a company pays on its debt, such as bonds and loans. The key difference between the pretax cost of debt and the after-tax cost of debt is the fact that interest expense is tax-deductible. https://advisorstream.com/read/cost-of-debt-what-it-means-and-formulas/?c=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJub2RlX2lkIjoxMTE4NiwicHJldmlldyI6ZmFsc2UsImNvbW1faWQiOjk3OTAyNzEsImRlc3RfaWQiOjEyMTMyNzI3LCJyZWFkZXJfaWQiOm51bGwsInBlcnNvbmFfcHJldmlldyI6ZmFsc2V9.J7yt64Xl6JOT6Ar1Nzsd_8v_OaD7aXBybjn1adi4dBw
One way to improve after-tax investment returns is by structuring portfolios to generate long-term, not short-term, capital gains. https://advisorstream.com/read/want-a-tax-efficient-portfolio-focus-on-these-3-areas/?c=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJub2RlX2lkIjoxMTE4NiwicHJldmlldyI6ZmFsc2UsImNvbW1faWQiOjk3ODkyMDUsImRlc3RfaWQiOjEyMTMxMzI5LCJyZWFkZXJfaWQiOm51bGwsInBlcnNvbmFfcHJldmlldyI6ZmFsc2V9.IeRRZ-YjlPBpFsFRHKCOQowsAaBDJlXd8X7Ki4ysBBw
Fear of missing out’ has been replaced by ‘OK missing out.’ Why it’s time to sit back and wait for the stock market to do its thing. https://advisorstream.com/read/fomo-is-dead-welcome-to-the-omo-stock-market/?c=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJub2RlX2lkIjoxMTE4NiwicHJldmlldyI6ZmFsc2UsImNvbW1faWQiOjk3ODgzNDUsImRlc3RfaWQiOjEyMTMwMjcxLCJyZWFkZXJfaWQiOm51bGwsInBlcnNvbmFfcHJldmlldyI6ZmFsc2V9.eD5LWl3LRtnXzAMrawBqn2uieP7ty0zbFPduT9vZJoQ
Should you invest in cryptocurrency? https://www.advisorstream.com/br/?c=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJub2RlX2lkIjoxMTE4NiwicHJldmlldyI6ZmFsc2UsImNvbW1faWQiOjk3ODY2ODIsImRlc3RfaWQiOjEyMTI3NzMyLCJyZWFkZXJfaWQiOm51bGwsInBlcnNvbmFfcHJldmlldyI6ZmFsc2V9.Y3Y76Xv72QLzp9IBxho9yW9hH3vvepPEEEijX63kEYw&a=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJwcm94eV9wayI6NDg3MX0.HDVLuQbYSCdof5eI3Esl0WgFpvFFwvOX5M1mBw7Jydo
Mirrors and toilets that check for disease, floors that measure fall risk. Here’s what your future routine could look like. https://advisorstream.com/read/the-medspa-bathroom-fixtures-that-monitor-your-health/?c=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJub2RlX2lkIjoxMTE4NiwicHJldmlldyI6ZmFsc2UsImNvbW1faWQiOjk3ODU3MDAsImRlc3RfaWQiOjEyMTI2NTMwLCJyZWFkZXJfaWQiOm51bGwsInBlcnNvbmFfcHJldmlldyI6ZmFsc2V9.AKodF_se9DVS5PhzjhOgjPhj5RXgVAyACtEYstGQ5GQ
Intervening earlier to improve brain health might help you stay sharper as you age. https://advisorstream.com/read/what-middle-aged-people-can-do-now-to-help-prevent-dementia-later/?c=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJub2RlX2lkIjoxMTE4NiwicHJldmlldyI6ZmFsc2UsImNvbW1faWQiOjk3ODM5NzIsImRlc3RfaWQiOjEyMTIzOTYyLCJyZWFkZXJfaWQiOm51bGwsInBlcnNvbmFfcHJldmlldyI6ZmFsc2V9.sBGuj-Ax6ceDQmu6da7lZhutMYoV4dGfJMzNF9a6BOs
Housing market affordability isn’t getting any better, with inflation keeping mortgage costs high https://advisorstream.com/read/stay-put-or-pay-up-home-buyers-lose-hope-for-lower-rates/?c=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJub2RlX2lkIjoxMTE4NiwicHJldmlldyI6ZmFsc2UsImNvbW1faWQiOjk3ODI3NzcsImRlc3RfaWQiOjEyMTIyNTM1LCJyZWFkZXJfaWQiOm51bGwsInBlcnNvbmFfcHJldmlldyI6ZmFsc2V9.HR8Y189mp1RuDlgAAfAMCnn0d83X_TMesCoc3z7z9vY
The fast-growing Chinese online retailer has middle-aged Americans hooked on its discounts. Their kids can’t stop roasting them. https://advisorstream.com/read/a-new-generational-divide-opens-over-cheap-stuff-on-temu/?c=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJub2RlX2lkIjoxMTE4NiwicHJldmlldyI6ZmFsc2UsImNvbW1faWQiOjk3ODE0NzMsImRlc3RfaWQiOjEyMTIxMTc3LCJyZWFkZXJfaWQiOm51bGwsInBlcnNvbmFfcHJldmlldyI6ZmFsc2V9.ZLg-JGPmOD-K5NLMZYhl-I-4EGv92Tf-qlaWkQfuxgg
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