There’s no question that having a college degree increases your potential job opportunities and associated earnings potential. According to the U.S. Bureau of Labor Statistics (BLS), in 2022 the median wages of four-year college graduates age 25 and older was over 60% higher than for workers with only a high school diploma. But the decision…
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Now that the stock market has reached new highs again after a dismal 2022, you might be thinking that this would be a bad time to buy stocks since they’re more expensive than they previously were. My recommendation is to buy anyway. Over the past ten years there were almost 260 days in which the…
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Last year the Kaiser Family Foundation (KFF) surveyed about 1,500 adults regarding their financial preparedness for Long Term Care (LTC). The results were sobering. Less than 40% of the respondents were prepared to cover the cost of help with the various activities of daily living (dressing, bathing, eating, etc.) if needed. And only 28% of…
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Artificial intelligence (AI) is all the rage these days. Ever since ChatGPT was introduced by OpenAI and Microsoft, companies are falling over each other to find ways to apply AI to all kinds of activities. You may not recall it but IBM was actually one of the pioneers of AI. They designed a chess-playing computer…
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Last year I wrote about the progress being made on the Bitcoin investment front (https://www.cognizantwealth.com/2023/07/07/is-bitcoin-almost-ready-for-prime-time/). At the time there were only two ways to invest in Bitcoin: through a private exchange or via an ETF holding Bitcoin futures. Last week the SEC authorized eleven spot (current price) Bitcoin ETFs to begin trading. Is this the…
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“It’s hard to make predictions. Especially about the future.” That’s one of my favorite aphorisms attributed to Yogi Berra. At the beginning of every year hundreds of economists, strategists, and self-proclaimed pundits announce their annual predictions for the capital markets, blithely ignoring their own past history. Let’s take a look back to see how well…
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