Before converting a traditional IRA to a Roth IRA, residents of states with income taxes should review how their states will treat the transactions. Under federal tax law, the owner of a traditional IRA can roll over some or all of the account to a Roth IRA. The amount rolled…

There’s good and bad news for mortgage rates this week. The good news is rates have continued their slow downward trend, averaging 6.87% on 30-year, fixed-rate mortgages, Freddie Mac reported. Although this is promising, lowering interest rates is far from the norm. Last week, 30-year mortgages had average rates of…

National debts have increased by a substantial amount in the last 20 years, but none by as much as student loans. Since 2003, student loan debt has increased by 430%, according to a study by the Kaplan Group. Although student loan debts have stabilized in the last few years, levels…

MIAMI — Nicole Crooks stood in the plaza of the historic Lyric Theater, a royal blue hat shielding her from the midday sun that baked Miami.In its heyday, the theater, in the city’s Overtown neighborhood, was an important cultural hub for the Black community. James Brown, Sam Cooke, Ray Charles,…

Work hours are more flexibleMany workplaces are flexible and allow employees to choose a schedule that fits their lifestyle.In Finland, typical office hours go from 8 a.m. to 4 p.m. One small culture shock I experienced early on is that when workdays often start so early, some people start going to…

Governments around the world have tried to kill the tobacco industry. Zyn, the brand of flavored oral nicotine pouches that comes in small, round containers resembling breath mints, is its latest strategy. While it’s ultimately owned by tobacco giant Philip Morris International, Zyn is a tobacco-free product. White pouches similar…

Investment Thesis Let’s get straight to the point: SL Green Realty Corp. (NYSE:SLG) appears to be substantially overvalued, even under the most optimistic assumptions. Evidently, a few other Seeking Alpha contributors find this company to be a buy. So I will play contrarian and argue why one should not buy…

Online dating companies are betting that products targeting specific communities — from single parents and gay men to “throuples” — will reignite growth in a sector challenged by user declines at the world’s largest matchmaking apps Tinder and Bumble. Investors have cheered Grindr, with its exclusive pitch to gay and…

For a time, Donald Trump would have made for an unlikely headliner at a cryptocurrency confab. As president, Trump declared bitcoin “not money” and criticized it as “highly volatile and based on thin air.” He cautioned that crypto assets helped facilitate illegal underground markets. “We have only one real currency in…

I’ve been the host of The Retirement Answer Man podcast for over ten years now. I try not to overshare my life on the show because the podcast isn’t about me. It’s about you and rocking retirement! Nonetheless, I have dropped snippets about our Colorado relocation journey over the past…