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The article presents the results of a survey conducted by Kiplinger Personal Finance, where readers rated various financial products and services in different categories. The winners in each category were determined based on criteria such as customer service, likelihood of recommendation, and overall satisfaction. The article provides a comprehensive overview of various credit card rewards programs, banks, auto insurance providers, homeowners insurance providers, tax software choices, and peer-to-peer payment services. The winners were determined based on reader ratings and feedback, allowing library patrons to quickly assess which programs or providers may be of interest to them for further research. [Extracted from the article]

DELTA AIR LINES CARDS Outstanding for: Customer service Most recommended In conjunction with American Express, Delta offers a few consumer credit cards, including the Delta SkyMiles Blue (no annual fee), Gold ($99 annual fee, waived the first year), Platinum ($250) and Reserve ($550). DISCOVER IT Outstanding for: Customer service Most recommended Survey respondents were quick to highlight outstanding customer service from Discover, with a couple expressing appreciation that its representatives are 100% U.S.-based. AMERICAN EXPRESS EVERYDAY Outstanding for: Customer service Amex EveryDay had a strong showing for customer service in our survey. Discover's savings account, which charges no monthly fee, recently yielded 3.75%, and the no-fee money market account yielded 3.65% for balances of less than $100,000 or 3.7% for balances of $100,000 or more. [Extracted from the article]

Because it didn't have to worry about funneling customer cash to owners, Vanguard chipped away at its expense ratio so that today its investors pay an average fee of just 0.08%, or a 12th of a penny for every dollar invested. "No one comes close to Vanguard" for affordable, well-managed active funds, says Jeff DeMaso, editor of The Independent Vanguard Adviser newsletter. In its 48-year history, Vanguard deployed its squeaky-clean reputation and rock-bottom money management fees to attract more than one out of every four dollars invested in funds - approximately $7.6 trillion - blowing past longer-established fund companies. Even last year, as investors pulled a combined $370 billion out of funds overall, Vanguard bucked the trend and netted nearly $83 billion in inflows, according to data from fund-tracker Morningstar. [Extracted from the article]

And starting sometime this year, Chase customers who overdraw their accounts by more than $50 will have until the end of the next business day to bring their account balance to $50 overdrawn or less to avoid overdraft fees. Others are lowering their fees, increasing the amount by which customers can overdraw their checking accounts without fees or allowing customers more time to get their balance out of the red before hitting them with fees. The PREMIERE MONEY MARKET account, for example, yields 0.04% on balances of less than $1 million for Performance Select customers who make at least five PNC debit or credit card transactions monthly or have $5,000 or more in monthly direct deposits into their Performance Select checking account. The account comes with free standard checks, money orders, cashier's checks and incoming wires, and it reverses all fees for rush bill payments, one outgoing wire fee per month and two overdraft fees per year. [Extracted from the article]

REWARDS As high inflation rears its head, consumers are looking for ways to offset painful increases in the price of groceries, gas and other budget staples. TRAVEL REBATES WORTH THE FEE GOLD: Capital One Venture Rewards Visa www.capitalone.com Annual fee: $95 Sign-up bonus: 60,000 miles if you spend $3,000 in the first three months Typical annual rebate: 56,000 points, worth $465 after subtracting the annual fee Travel rewards are easy to earn and redeem with Capital One Venture. The 5% rebate is limited to $500 in monthly spending.) If you dedicate the card primarily to grocery spending, the 5% rate you'll earn on grocery purchases all year is outstanding for a card that carries no annual fee. GOLD: Capital One Venture X Rewards Visa www.capitalone.com Annual fee: $395 Sign-up bonus: 75,000 miles if you spend $4,000 in the first three months This card's attractive features combined with an annual fee that's lower than the fees of some of its competitors pushes it to the top of our ranking. [Extracted from the article]

Between the end of 1945 and the end of 2022, the S&P 500 experienced 61 pullbacks from which the index subsequently recovered, says Stovall. In reality, stock market oscillations regularly run through a gamut of basic configurations, including bull markets, bear markets, dips, corrections and flat cycles. BEAR MARKETS Bear markets - technically defined as a market decline of 20% or more from its most recent high - occur on average every 3.8 years, according to investment research firm InvesTech Research. [Extracted from the article]

A certified public accountant or enrolled agent can help you hammer out the details, or use the IRS withholding estimator at www.irs.gov/individuals/taxwithholding- estimator. FUNDAMENTALS WHEN it comes to weddings, October is the new June. If the name on your tax return doesn't match the name on file with Social Security, the IRS may delay processing your return, which will also delay any refund you're eligible to receive. [Extracted from the article]

A Wealthfront study says that over the five-year period ending April 30, the after-tax returns of the firm's US Direct Indexing clients were typically 0.4 to 0.8 percentage point a year ahead of where they would have been had they stuck with ETFs and used standard tax-loss harvesting strategies. INVESTING Take advantage of an investing strategy only institutional or ultra-high-net-worth investors had access to in the past. Although there are already more than 10,000 mutual and exchange-traded funds with almost every imaginable mix of stocks, some investors may prefer to create a portfolio of in dividual stocks to address ethical or other concerns. [Extracted from the article]

Since 1939, no matter which party has gained control of Congress, the stock market has risen in the year fol- lowing a midterm election, according to a US Bank analysis. FUNDAMENTALS INVESTORS CAN FIND PLENTY TO stress about as voters try to pick congressional candidates they believe will best help the nation navigate through inflation, labor shortages, a possible recession, international conflicts and divisive social issues. [Extracted from the article]

Women in this age group frequently have been out of the paid workforce for long periods of time and "don't have the earning capacity to find a job with an income that's comparable to their ex-spouse's", says Zeiderman. With money such a big issue, you'll need a budget that reflects your income and expenses so you know what kind of lifestyle you can afford. Ever since I wrote a column about money and divorce last year (see "Money Smart Women", July 2022), I've wanted to do a follow-up on so-called gray divorce. [Extracted from the article]

Although money funds are relatively safe, they are not as safe as their bank-version equivalents - money market deposit accounts (MMDAs), which are insured by the Federal Deposit Insurance Corp. (money market funds are considered securities and are protected by SIPC insurance). Money fund yields react more quickly than bank accounts to Federal Reserve interest rate hikes, and it's easy to find yields north of 4%. Look at the taxable-equivalent yield - the yield you'd need to earn on a comparable taxable fund after paying taxes to match the yield of the tax-free fund. [Extracted from the article]

A conversion to a Roth IRA, which will increase your MAGI, is one of most common reasons retirees get hit with a Medicare high-income surcharge, Blankenship says. RETIREMENT RETIREES ARE PAYING SHARPLY HIGHER premiums for Medicare Part B in 2022 - an increase of 14.5% from 2021. [Extracted from the article]

And if you've worked for several different employers, rolling the money from each 401(k) plan into an IRA will allow you to consolidate your savings in one place. If your new employer doesn't permit rollovers, or you're not impressed with its investment options, you can roll your 401(k) into an IRA with any financial services firm. Plus, you can borrow from your current employer's plan, which isn't an option if you leave the money behind or roll it into an IRA. [Extracted from the article]

"This can be a huge challenge if you don't pay the bills or know the passwords", says Lisa Zeiderman, managing partner at the law firm of Miller Zeiderman in New York City. Another big mistake, says Francis, is "not looking at assets with tax goggles." Commentary One thing I learned from a friend who recently went through a contentious divorce is that knowing about your finances is as important as knowing your legal rights. [Extracted from the article]

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Millennials typically dedicate a greater share of their spending than other generations to certain expenses that have been increasing most rapidly, such as rent and home purchases, used cars, and gas. MILLENNIAL MONEY Whether you're 28 or 68, you're staring down a surge in consumer prices. [Extracted from the article]

The article discusses the difficulty people of modest means can experience in obtaining financial advice, and describes how several individuals succeeded at this task. Some financial planners avoid taking on clients with assets below a set minimum because it is not profitable for them to do so. Occasionally a planner will agree to meet with a family member of a client, even if that person doesn't necessarily meet the planner's financial requirements. INSETS: How to Hire Your Personal CFO;Start Your Search;Go-To Sites for Online Advice.

The article discusses the relationship between investment advisers and clients. The author suggests various reasons to stop the service of advisers including the one's withholding information, lack of transparency on the cost of services and lack of communication. It also includes information on some reasons why an investment adviser might stop service to a client.

Are You Still on Track for Retirement? Based on your finances and retirement goals, the tool can predict your chances of savings and retirement success. A Retirement Scenario Meet the Forty Somethings: Jessica, 40, and her husband Michael, 43, have a household income of $250,000, which includes wages and rental income. [Extracted from the article]

The article offers ideas on ways to save personal money. It recommends bringing packed lunch and snacks to work rather than buying from fast food chains such as McDonald's and Dunkin' Donuts. It cites that more than $80 can be saved by reducing dinner and movie nights. It also reveals the savings that can be generated from a well-maintained car.

The article provides guidelines in managing an inheritance. Inheritances are rarely generous enough to finance an early retirement. About 20 percent of baby-boomer households have received an inheritance and the median value is $64,000. It is advised that one should deposit one's new wealth in a bank or brokerage account, possibly one that isn't held jointly with your spouse. One should record the value of everything one inherits as of the date of one's benefactor's death. INSET: Keep your balance.

AHEAD You've spent decades building a nest egg to see you through retirement. Smart Withdrawal™ will then show you a year-by-year projection of your retirement income, portfolio balance, spending and estimated federal and state taxes. [Extracted from the article]

These are the top holdings of U.S. millennial investors, according to the Millennial 100 report by Apex Clearing, a specialist in digital wealth management. Apex Clearing analyzed more than 734,000 portfolios. The average age of investors in the study was just over 31, and the average account size was about $2,300. [Extracted from the article]

So much is going on to sidetrack investors and trigger volatility in the markets. Investors who focus on big-picture retirement goals are less likely to make short-term emotional investment mistakes. [Extracted from the article]

And investors of all ages have moved a sizable portion of their portfolio into cash. Our Personal Capital advisors are seeing more and more investors ask about where to put their money going forward, or how to protect against the inevitable bear market. How can investors protect themselves in a recession?. [Extracted from the article]

The article presents an interview with the Doug Lynam, partner at LongView Asset Management and former monk. Topics discussed include information on the efforts of the monastery to rebel against materialism; discussions on the financial planner's recommends investments for environmental, social and corporate governance; and the information on the influence of spirituality on Lynam philosophy on charitable giving.

The article offers information about recommendations in managing personal finance in the U.S. Several key topics being presented include the country's presidential election as well as complains about a perceived bias in the publication of articles on financial services and advices and being nonpartisan giving advices to clients.

The article presents questions and answers concerning the financial aspects of travel. One reader asks how they can place phone calls to the United States from foreign countries without paying a lot. Another asks how they can book a flight cheaply if they don't know the exact date months in advance.

The article discusses Western Union, a wire-transfer company. Western Union, which originally made its fortunes from telegrams, stopped the service in 2006, shifting entirely to the business of money transfer. An increase in global migration should ensure that the company remains profitable well into the 21st century, since many of their customers are immigrants sending money to relatives back home.