Jesse Ramos: Emptying healthcare so that it is affordable for all Montana residents | column book

Health care is number one in the minds of many Montana residents, especially during epidemics, inflation, and chaotic outdoor events. Montana residents need affordable, customizable health care plans that fit their needs and the needs of their families. For too long, state and federal governments have force-feed the American people from a top-down, one-size-fits-all approach … Read more

Will your Social Security benefits increase when you reach full retirement age? | Smart Change: Personal Finance

(Kylie Hagen) Social Security is a cornerstone of most Americans’ retirement plans, yet many people remain confused about how it works. It is a potentially dangerous misconception that your Social Security checks increase once you reach your full retirement age (FRA). This may happen to some people, but it’s not something every older person should … Read more

The Fed is about to further shrink the balance sheet. It may become suspicious.

Federal Reserve Chairman Jerome Powell, appearing during a post-meeting press conference late last month, suggested that the balance sheet contraction could last up to two and a half years. Drew Angerer / Getty Images font size There is a fair amount of confusion about quantitative tightening, or QT, the Federal Reserve’s effort to shrink its … Read more

Should you buy now and pay later to go back to school? | personal financing

Jackie Feeling Inflation has been hurting family budgets all summer, and the last item to be hit hard is school supplies. According to the National Retail Federation, which released its annual back-to-school survey in July 2022, shoppers were feeling the pressure, cutting back on spending in other categories and working longer hours to make ends … Read more

Here’s what to do if your favorite stock malfunctions | personal financing

(Daniel Fulber) Investors have different tolerances for risk, different time horizons, and different sector preferences. But you likely have one or two stocks that you’ve been holding for a while or plan to own for a while. But with swathes of the market seeing a double-digit drop in 2022, what should you do when a … Read more

3 Reasons You Should Wait To Get Social Security | Smart Change: Personal Finance

(Mark Blank) Should you access Social Security benefits as soon as possible or wait to try to maximize your monthly benefit? Everyone’s situation is slightly different, but there are some really compelling reasons to delay taking advantage of the benefits you’re getting. Let’s look at the top three reasons for delaying receiving your Social Security … Read more

Should I invest in an automated advisor? | Smart Change: Personal Finance

(Javier Simon) Want to jump into the investing world, but aren’t sure about picking out your stocks and managing your own portfolio? An automated advisor can do all of that for you. A robo-advisor is a digital platform that uses computer algorithms to build and manage a diversified portfolio based on your risk tolerance, financial … Read more

1 in 5 workers say their retirement savings are off track. Here’s how to get you back on the rails. | Smart Change: Personal Finance

(Kylie Hagen) We’ve all been through a lot in the past few years, first with the pandemic, now with record inflation and talk of a looming recession. So it’s no surprise that people aren’t optimistic about their chances of retiring comfortably right now. Nearly one in five workers don’t feel they can afford the retirement … Read more

Earn $300 in Quarterly Retirement Profits in 3 Easy Steps | personal financing

Generating passive income through dividends is especially important these days, as the stock market has had negative returns for the better part of the year now. But perhaps it’s even more important in retirement, when that extra income can come in handy. It can definitely give you some money to spend to supplement retirement accounts … Read more

Claim Social Security at 62? You may regret it Personal Finance

(Selina Marangian) One day, you’ll likely be among the tens of millions of Americans who collect Social Security (65 million, as of 2021). How much will you collect? Well, the answer to that is different for each of us, and it mostly depends on how much we’ve earned in our working lives – and also … Read more