November 2025 - Analyst of Finance

by Alex Richardson
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How to Navigate Rising Interest Rates: Practical Strategies for Savers, Borrowers, and Investors

Navigating Rising Interest Rates: Practical Strategies for Savers, Borrowers, and Investors Interest rates have been moving higher recently, and that shift changes the rules for savers, borrowers, and investors. Understanding the opportunities and risks lets you make smarter decisions—whether you’re growing your emergency fund, managing debt, or positioning a portfolio for stability and income. What…

by Alex Richardson
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Traditional IRA Basics: Tax Benefits, Rollovers, Roth Conversions & RMDs Explained

Traditional IRA basics: why it still matters A traditional IRA remains a cornerstone of retirement planning because it combines tax-deferral with flexible contribution and rollover options. Contributions may be tax-deductible depending on your income, filing status, and whether you or your spouse are covered by a workplace retirement plan, which can lower your current taxable…

by Alex Richardson
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How to Manage Money in a High-Interest-Rate Environment: Savings, Debt and Investment Strategies

Managing money during a period of higher interest rates requires a mix of discipline, opportunism, and simple adjustments that protect capital while taking advantage of better yields. Whether you’re building savings, paying down debt, or investing for growth, these strategies help keep your finances resilient. Why higher rates matterHigher interest rates raise borrowing costs and…

by Alex Richardson
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How 529 Accounts Work: Tax Benefits, Roth IRA Rollovers, and Smart College-Savings Strategies

A 529 account is one of the most tax-efficient ways to save for education costs. Built for flexibility and long-term growth, these plans let savings grow free from federal income tax and be withdrawn tax-free when used for qualified education expenses. Understanding how they work and recent updates can help you make smarter choices for…

by Alex Richardson
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Compare APY, Compounding, Fees and Account Types

Choosing the right savings account can make a meaningful difference for short-term goals, emergency funds, and building financial stability. With a range of options—from brick-and-mortar banks to online high-yield savings—knowing how to compare accounts ensures your money works harder without taking unnecessary risks. Why APY and compounding matterAPY (annual percentage yield) shows the real return…

by Alex Richardson
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How a Roth IRA Works: Contributions, Conversions, Withdrawals & Smart Strategies

A Roth IRA remains one of the most versatile retirement tools for savers who want tax-free growth and flexible access to funds. Understanding how it works and where it fits in a broader financial plan helps you make better choices about contributions, conversions, and withdrawals. Why a Roth IRA matters– Contributions are made with after-tax…

by Alex Richardson
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Savings Account Guide: How to Protect Your Emergency Fund, Maximize APY, and Avoid Fees

A savings account remains the simplest, safest place to park short-term cash and build financial resilience. Whether you’re building an emergency fund, saving for a down payment, or setting aside cash for short-term goals, understanding how savings accounts work—and how to get the most from them—pays off. What a savings account deliversA savings account provides…

by Alex Richardson
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A Practical Guide to Fees, Diversification, and Taxes

Mutual funds remain a cornerstone of many investors’ portfolios because they combine professional management, instant diversification, and accessibility. Whether you’re building a retirement account, saving for a major purchase, or adding core holdings, understanding how mutual funds work and how to choose them can improve long-term results. How mutual funds workA mutual fund pools money…

by Alex Richardson
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Remote Work Taxes: Practical Strategies to Manage Multi-State Exposure and Avoid Surprises

Remote work changed where people do their jobs, but it didn’t simplify taxes. Whether you’re a full-time remote employee, a hybrid worker, or run a location-independent business, understanding state and local tax exposure can save you stress and money. Below are practical strategies to help manage multi-jurisdiction tax risk and stay compliant. How state tax…

by Alex Richardson
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Why a Savings Account Still Matters: How to Choose the Best One and Maximize Your Returns

Why a savings account still matters — and how to get the most from yours A savings account remains one of the simplest and safest tools for building financial security. Whether you’re saving for an emergency fund, a down payment, or short-term goals, choosing the right savings account and using it strategically can make a…

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