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zubonttawilepzuzus
5 days ago
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Social Security benefits are a critical income source for most older Americans. In fact, 67% of older adults (1) aged 65 get over half their income from their benefits. That's why it's so important not to do anything that could inadvertently reduce the amount you collect.
Unfortunately, when planning your retirement, you may make a move that costs you some of this money without even knowing it. Specifically, choosing to spend your retirement in one of the following eight U.S. states means that you risk losing a percentage of your benefits every year.
Jeff Bezos backs a platform that lets anyone invest in rental homes for as little as $100 — 6 ways to build wealth like a landlord without actually being one
A single line on your car insurance policy could be inflating your premium by up to 30% — here's what to change

#finance #security #americans
0g13dulbf
5 days ago
The 2026 midterm elections was a decisive victory for Democrats, who won control of both the House of Representatives and the Senate. With Republicans retaining the White House, the election results bring a period of divided government starting in January.
Wall Street's initial reaction has been enthusiastic. As of this writing (Nov. 4), the Dow Jones Industrial Average (DJINDICES: ^DJI) surged more than 1,500 points during morning trading, while the S&P 500 (SNPINDEX: ^GSPC) and Nasdaq Composite (NASDAQINDEX: ^IXIC) also rallied.
Missed Nvidia in 2009? This Rare Signal Is Flashing Again. In 2009, a "Double Down" signal flashed for a little-known chipmaker called Nvidia. For the first time in years, that same "Total Conviction" signal is flashing for a company 1/100th the size of Nvidia. Continue »
Beneath the broader market's gains, investors are undoubtedly repositioning their portfolios. Artificial intelligence (AI) hyperscalers like Amazon, Alphabet, Microsoft, and Meta Platforms are surging, while many semiconductor stocks and data center operators are plunging.
The contrasting performance reflects uncertainty about how the election could affect AI and adjacent industries. For investors wondering whether to change their portfolios following the election, Warren Buffett's advice about mixing politics and investing is particularly relevant.

#election
279hawk_compass
5 days ago
Jim Cramer thinks investors have gone too far.
As the tech slump dragged into a new week, the CNBC host said in a post on X that the negativity around Marvell, Apple, and Palantir "is pretty thick," adding, "No matter what they say, it isn't enough."
He made the remark as all three stocks slid on Nov. 2.
His comments landed in a rough market. Chip and memory stocks have lost about $3.7 trillion in market value since Oct. 6, and Intel suffered its worst day since 1974 on Oct. 30, falling nearly 29% after a disappointing forecast.
The chip group shed more than $400 billion on Nov. 2 alone, as reported by Yahoo Finance. In a market this nervous, even good news is getting sold.

#chip #marvell
dcq9019buffereRfxq
5 days ago
Social media influencers have made owning a laundromat look like an easy way to make money, with videos showing buckets of quarters and stacks of cash rolling in. But some aspiring entrepreneurs who bought into the hype are finding out the hard way that these businesses are costly to maintain, and the income is anything but passive.
In a new report, The Wall Street Journal examined the growing popularity of laundromat ownership on social media, where videos of owners collecting cash have attracted millions of views. What gets far less attention are the expenses and day-to-day headaches that come with running one.
Dave Ramsey warns nearly 50% of Americans are making 1 big Social Security mistake. Here's what it is and 3 simple steps to fix it ASAP
A single line on your car insurance policy could be inflating your premium by up to 30% — here's what to change
Jeff Bezos backs a platform that lets anyone invest in rental homes for as little as $100 — 6 ways to build wealth like a landlord without actually being one

#Social #Media #laundromat #journal
buonDZVsoc4rdUrf
5 days ago
Warren Buffett's 90/10 mix of an S&P 500 fund and Treasury bills gives a 65-year-old with $600,000 about $4,800 monthly alongside Social Security.
Senior deductions and Social Security's partial taxation shrink the federal bill to roughly $1,000 a year, under 2% of spending.
Required withdrawals at 73 will raise taxes, so Roth conversions in the years before then and protecting the bond cushion keep the plan working.
Building a portfolio and living off one are two completely different skills, and almost ****** ody teaches the second. This problem is what The Definitive Guide to Retirement Income helps, and it is free today. Read more here. (Sponsor)
Warren Buffett has told the world exactly how he wants his wife's money invested after he is gone. In his 2013 letter to Berkshire Hathaway shareholders he wrote that his advice to the trustee "could not be more simple": put 10% of the cash in short-term government bonds and 90% in a very low-cost S&P 500 index fund. No stock picking, no bond ladder, no annuity.

#year
fLuX9541
5 days ago
Schwab, Fidelity, and Vanguard each have different default beneficiary clauses, so a blank IRA form can send your account to your kids or your estate.
An estate inheriting an IRA triggers a 5-year withdrawal rule instead of 10, costing heirs an extra $2,430 in federal tax per child before state taxes.
Naming primary and contingent beneficiaries on every account, including Roth IRAs, and re-filing after any rollover or divorce takes about ten minutes.
Read More: Learn 7 ways to generate income with a $1,000,000+ portfolio (sponsor)
Picture two widowed parents. Each leaves a $600,000 traditional IRA to two grown kids, and neither one ever filled out a beneficiary form. One family gets a decade to draw the money down on its own schedule. The other gets five years, a probate filing and a faster tax bill.

#form #kids #gets #schwab
calM8
5 days ago
Although the evolution of artificial intelligence (AI) has been the hottest trend in decades on Wall Street, it's not the only catalyst lifting the broader market. Investor euphoria for high-profile stock splits has also played an important role.
A stock split allows a public company to alter its share price and outstanding share count by the same factor without affecting its market cap or underlying operating performance. Within a span of just eight days, two historic AI stock splits were announced by Meta Platforms (NASDAQ:META) and Sandisk (NASDAQ:SNDK), which are set to undertake their first-ever forward splits, respectively.
Missed Nvidia in 2009? This Rare Signal Is Flashing Again. In 2009, a "Double Down" signal flashed for a little-known chipmaker called Nvidia. For the first time in years, that same "Total Conviction" signal is flashing for a company 1/100th the size of Nvidia. Continue »
Image source: Getty Images.
Until recently, Mark Zuckerberg's Meta was the only member of the "Magnificent Seven" that hadn't split its stock. That changed with the company's Oct. 21 quarterly report, which unveiled the creation of a new class of stock.

#signal
sleepypmv
5 days ago
Bill Ackman says Pershing Square (NYSE:PS) owns about 10% of both Fannie Mae and Freddie Mac, and sees 10x potential in the stocks.
Ackman calls a release "a political imperative" and says a president can do it by executive order, even if midterms go against the President.
Taxpayers get paid first: Treasury's senior preferred stake carries a $238 billion liquidation preference, and warrants cover 80% of common stock.
Read More: Learn 7 ways to generate income with a $1,000,000+ portfolio (sponsor)
Bill Ackman says the White House has a historic trade within reach. "It will be the greatest real estate deal of all time," the founder of Pershing Square (NYSE:PS) said of releasing Fannie Mae and Freddie Mac from government conservatorship. The Motley Fool's report of Pershing Square's third-quarter earnings call on Tuesday, Nov. 3 noted he estimated the move would create half a trillion dollars of value, 80% of it held by taxpayers. He called that estimate conservative.

#taxpayers #learn
AwVFbVWaAnt
5 days ago
Bitcoin rebounded on Thursday as investors weighed the U.S. midterm results.
Democrats won control of both the House and the Senate.
The crypto industry spent about $176 million across more than 100 midterm races this cycle, Reuters reported last month.
Bitcoin (BTC) rebounded above $80,000 on Thursday as investors weighed the results of the U.S. midterm elections, while crypto industry stalwarts Tom Lee and Michael Saylor struck a positive tone for the apex cryptocurrency.
Lee wrote on X, "Bullish for crypto," tagging Bitcoin, Ethereum (ETH), Bitmine Immersion Technologies, Inc. (BMNR), and Bitmine's Series A Preferred Stock (BMNP) shares. Lee serves as the Chairman of the Board for BitMine Immersion.

#Crypto #rebounded
openlyDRiFt
5 days ago
For the first time in 60 years, Warren Buffett watched someone else lead Berkshire Hathaway's (NYSE: BRKA)(NYSE: BRKB) annual meeting. That doesn't mean Buffett was absent from that May 2 event, though. He was there on the sidelines and had time to field questions in an unofficial capacity.
In a CNBC interview that day, Buffett was asked whether stocks felt expensive. His answer was that he had never seen people more in the mood to gamble and that "prices for an awful lot of things will look very silly."
Missed Nvidia in 2009? This Rare Signal Is Flashing Again. In 2009, a "Double Down" signal flashed for a little-known chipmaker called Nvidia. For the first time in years, that same "Total Conviction" signal is flashing for a company 1/100th the size of Nvidia. Continue »
Warren Buffett is and always has been a long-term investor. But if things are about to get "silly," should investors adjust their portfolios?
More than 1,000 new exchange-traded funds (ETFs) have launched in 2026 so far. A lot of them involve leverage, ultra-short-term options, and ridiculously high yields. In other words, they're the kinds of products that don't resemble anything that Warren Buffett would consider.

#warren #years
obbvruy
5 days ago
Florida voters on Tuesday approved a major overhaul of the state's property tax system. But the droves of billionaires and other ultrawealthy people who recently moved there are unlikely to notice much of a difference from its headline tax break.
Amendment 3—which raises the homestead exemption on non-school property taxes from $50,000 to $150,000 in 2027 and to $250,000 in 2028—passed with 62% of the vote, according to the ***** ociated Press. Supporters pitched Amendment 3 as relief for everyday homeowners, and for many, it is. But because the exemption is a flat dollar amount, it does far less for the billionaires who turned South Florida into one of the country's wealthiest enclaves.
Take Citadel CEO Ken Griffin, who moved his firm from Chicago to Miami, and Amazon founder Jeff Bezos also moved to Miami in 2023 and has since bought a $237 million compound on Indian Creek, the island nicknamed "Billionaire Bunker." Bezos is also reportedly buying a $69.5 million oceanfront estate in nearby Golden Beach.
Experts told Fortune, though, the bigger factor of Amendment 3 for people like Griffin and Bezos is a less-noticed part: a tighter limit on how fast taxes can rise on second homes, rentals, and other properties that aren't a primary residence. Florida caps how much those properties' taxable values can increase each year, and Amendment 3 cuts that cap from 10% to 5%. In a hot market like South Florida's, that slows tax growth on homes whose values are climbing quickly, and many wealthy buyers own more than one.
But for a billionaire who claims a Florida homestead, the savings from Amendment 3 aren't that noticeable. Raul Gastesi, a real estate attorney and cofounder of Miami law firm Gastesi Lopez Mestre & Cobiella, calculated that at the statewide average non-school tax rate, the expanded exemption will save a homestead owner about $2,085 a year once fully in place. A home ***** sed at $350,000 would see its local services property tax bill fall from about $3,135 to about $1,050. A $50 million homestead would go from about $524,000 to about $522,000.

#Florida #moved
HarDlYFro5t
5 days ago
Accepting the $1M gift eliminates nearly 7% interest on a jumbo mortgage, delivering an immediate risk-free return that rivals most market strategies.
The new $15M lifetime gift exemption lets the in-laws transfer the full $1M immediately tax-free, requiring only a Form 709 filing.
An intrafamily loan at the 3.72% IRS minimum rate saves roughly 3 percentage points versus the current 6.9% jumbo mortgage rate.
Building a portfolio and living off one are two completely different skills, and almost **** ody teaches the second. This problem is what The Definitive Guide to Retirement Income helps, and it is free today. Read more here. (Sponsor)
People who pursue a FIRE (Financial Independence Retire Early) philosophy aggressively save and invest with a goal of retiring young enough to enjoy the freedom that a substantial nest egg affords. A fatFIRE adherent aims to accumulate a seven- or eight-figure retirement portfolio, enabling a lifestyle that ordinary early retirement budgets cannot support. When a couple's in-laws share those fatFIRE values, the relationship tends to run smoothly. But good intentions packaged as sizable financial gifts can shift that balance quickly, and without diplomacy and a shared strategy, even a generous offer can quietly fracture family dynamics.

#free
cable15
5 days ago
Prince Harry and Meghan Markle have announced their first international trip since moving back to the U.K. The Sussexes are reportedly heading to Brussels. The news comes amid serious allegations surrounding Meghan's estranged father, Thomas Markle Sr., and his alleged possession of CSAM, which have recently come to light.
Prince Harry and Meghan Markle will visit Brussels next week, on November 10, to open the Lost Screen Memorial. For those unversed, the Sussexes previously launched the installation, which paid tribute to child victims who lost their lives due to the harms of social media, in New York City in April last year.
The **** ss of Sussex then travelled to Switzerland in May this year to bring the Lost Screen Memorial to Geneva's Place des Nations (via PEOPLE). The Lost Screen Memorial consists of 50 smartphone screens. Every screen showcases the lock screen photo of a child who lost their life due to the harmful effects of social media.
This is done with the consent of the parents, who are members of the Archewell Foundation Parents' Network. Harry and Meghan are set to give a keynote address in the Belgian capital, advocating for the need for safer online **** es. Additionally, the Duke of Sussex will partake in a panel discussion in Belgium **** led "Beyond Promises: Building a Digital Future That Works for Children."
The update hardly comes as a surprise for fans, as the Sussexes have always spoken about the importance of creating safer online **** es for children. The Brussels trip marks Harry and Meghan's first public appearance following reports that Philippine authorities are investigating allegations that her father possessed CSAM.

#memorial
bufferw4dgetpi
5 days ago
Kanye West's recent public appearance with his kids at an event has fans rooting for him. The rapper reportedly attended the Yeezy Season 01 runway show in Los Angeles on November 4, 2026. He also presented his new Yeezy fashion collection, making headlines. But what truly stole the spotlight was the sweet family moment, as he was joined by all four of his children.
Ye with his four children, North, Saint, Chicago, and Psalm West at his Yeezy Season 01 runway show in LA tonight. ?
? pic.twitter.com/k3oiLqFrEg— yzyupdates (yzyupdates) November 5, 2026
Kanye West brought all four of his children to his latest Yeezy runway event in Los Angeles on November 4, 2026. The presentation took place at Yeezy Flagship Droam 1, located at 4317 Beverly Boulevard. It marked the label's first full-scale runway show since October 2022. The event also drew several familiar faces from the music and fashion industries.
The "Runaway" rapper wore an all-black outfit featuring a jacket paired with trousers. He completed the look with Yeezy boots and sneakers from the upcoming collection. However, the highlight of the event was his appearance alongside his four children: North West, Saint West, Chicago West, and Psalm West. Kanye shares the children with Kim Kardashian. The former couple tied the knot in 2014 and separated in 2021. Seeing the rapper with all four of his children truly warmed viewers' hearts.

#yeezy #west #runway
udzl9bqbsz2
5 days ago
Henry liquidated his retirement savings to maintain a $90,000 lifestyle after an AI-driven layoff cut his pay to $50,000, leaving him $45,000 in debt.
His $15,000 personal loan at 35% interest costs roughly $5,250 per year, far exceeding the record-high average credit card APR of 21%.
Ramsey Show hosts urged Henry to sell his car, eliminating a $620 monthly payment, stop all new borrowing, and pick up a side hustle.
Read More: Learn 7 ways to generate income with a $1,000,000+ portfolio (sponsor)
Henry, an HR technology worker from Oklahoma City, called The Ramsey Show and told hosts George Kamel and Jade Warshaw he had been laid off. He said he had been out of work two to three months and was now "making 90,000 and now I'm making 50,000 due to my field significantly shrinking due to automation and AI." Then he described the move that turned a pay cut into a crisis: "I fully liquidated my retirement and maintain the lifestyle I was living."

#henry
quiet4adget
5 days ago
Investors are worried. CNN's Fear and Greed Index is at "extreme fear." Inflation remains persistently high, with the ongoing Iran war and tariffs not helping matters. Stock market valuations are frothy by most metrics.
In times of uncertainty, many investors look to safe havens. Utility stocks rank high on the list. But if the stock market crashes, will utility stocks really protect your portfolio?
Missed AI's "Act 1"? Act 2 Could Be 16x Bigger. Most investors think they missed the AI boat because they didn't buy Nvidia in 2005. But according to our ***** ysts, we're only at the end of "Act 1"—the R&D phase. "Act 2" is the global rollout. Continue »
Arguments for buying utility stocks as a defensive portfolio move make sense. Consumers don't stop using electricity, natural gas, or water during an economic downturn or stock market sell-off.
There's also historical precedent for utility stocks protecting against a market crash. For example, the S&P 500 (SNPINDEX: ^GSPC) sank almost 50% from its peak in early 2000 by October 2002 when the dot-com bubble burst. The Nasdaq-100 index plunged more than 80%. Meanwhile, shares of NextEra Energy (NYSE: NEE) and The Southern Company (NYSE: SO), both large electric utility providers, jumped more than 20% during the same period.

#utility #Stock #fear #high
7wildly
5 days ago
A married couple over 65 who haven't claimed Social Security can pull about $47,500 from an IRA and owe the IRS nothing.
Collecting the average benefit shrinks the tax-free IRA withdrawal to about $34,000, because half of Social Security counts toward taxable income.
Past the zero-tax line, the Social Security tax torpedo makes each extra IRA dollar count nearly twice, producing an effective marginal rate of about 19%.
The biggest 401k decisions tend to get made once and never revisited: when to roll it over, what to hold inside it, and when to start taking money out. That is exactly what the report: 401k & IRA Tips and Answers was created to address, and it is free today. Read more here. (Sponsor)
A married couple where both spouses are over 65 can take a surprisingly large IRA withdrawal next year and owe the IRS nothing. How large depends mostly on one question: have they started Social Security yet?

#free #collecting #past
FDZD9GBd_i6uv
5 days ago
An expert has broken down Queen Camilla's beach clean-up moment with King Charles on their Caribbean tour. She arrived over the weekend to join her husband for the final leg in Antigua and Barbuda on November 1, 2026. The monarch began the nine-day tour on his own on October 27, 2026, covering the Bahamas and Guyana before the final leg.
An expert has observed that Queen Camilla looked "uncomfortable" while helping clear a beach in Antigua, even blurting out a quick four-word warning to dodge a painful slip-up. King Charles and Queen Camilla joined local volunteers on the sands of Fort James Beach for the environmental initiative. The Queen opted to take off her shoes and walk barefoot to navigate the shoreline during the task.
However, per the Daily Express, lip-reading specialist Nicola Hickling has warned that walking shoeless amid a busy royal party carries its own risks. On examining the arrival footage, she remarked that Camilla's face was "worth watching here." The comment came as the royal made her way over the sand alongside her husband.
Hickling told the outlet that the Queen looked "slightly uncomfortable" as she abruptly moved away from King Charles. It was "possibly to avoid having her toes trodden on." Amid the clumsy shift, Her Majesty reportedly uttered the striking four-word line: "I must go easy."
The moment, however, passed without incident, and the couple carried on cheerfully. They even playfully crossed their litter pickers like swords, then took turns placing collected rubbish into a black bag. After that, the royal pair listened to Jennifer Meranto, founder and chief executive of Adopt a Coastline. She outlined the crucial effort to safeguard the island's shore. Two of the group's youth ambassadors joined Meranto for the briefing.

#beach
blw_a4x2cqw5
5 days ago
Colin Jost and Scarlett Johansson appear to have one thing in common beyond their successful careers. The couple shares a thoughtful approach to gift-giving. In a new interview, the "Saturday Night Live" star opened up about why he enjoys finding meaningful presents and admitted that his wife is even better at it. Jost also reflected on the gifts they treasure most and how they spend the holiday season together as a family.
While promoting Kay Jewelers' new holiday campaign, Colin Jost spoke to People about the importance of giving meaningful gifts. The comedian said he enjoys putting thought into every present instead of choosing something at random.
"I don't like getting just a random thing if it doesn't feel meaningful," Jost said. He explained that he likes finding gifts that remind people of a special memory or moment in their lives.
However, Jost admitted that Scarlett Johansson has the upper hand when it comes to thoughtful presents. "She's an excellent, very thoughtful and generous gift giver," he said. "I think we're a good gifting match."
The comedian added that many of the best gifts they have ever received came from each other. He even joked that their children are the greatest gifts of all. Jost and Johansson share son Cosmo, while the actress is also mother to daughter Rose from her previous marriage to Romain Dauriac.

#jost #johansson #scarlett #thing
evkzc
5 days ago
Meghan Markle reportedly despises the feeling of "begging for acceptance" from the royal family. The report comes amid the speculation surrounding the ***** ss of Sussex and her husband Prince Harry's relationship with the senior members of the institution, following their return to Britain. Now, according to a new report, a source claimed that Markle has been perceiving that Kate Middleton and Prince William have control over the public conversation. And, it has reportedly been getting quite frustrating for her.
The alleged feeling of inferiority with respect to the royal family has reportedly not been sitting well with Meghan Markle. As reported by Heatworld, a source revealed that Kate Middleton has been "hoping the brothers can somehow work it out. She'll always have a soft spot for Harry and would love him back in the fold." This comes despite the Waleses' dignified silence regarding the Sussexes since their return to the UK.
However, according to the source, the Princess of Wales is aware that she has to handle the situation "tactfully" with her husband, Prince William. Per the source, however, she refuses to give up the hope that the two allegedly estranged brothers can reconcile one day.
Per the news outlet, the insider further claimed that Markle "can't stand the feeling that the royal family has the upper hand – and hates the idea of being portrayed as desperately trying to claw their way back in, only to be repeatedly rejected." According to the insider, "It's like they're begging for acceptance from people who have no intention of giving it."
Furthermore, the source also explained to the publication what Markle has been feeling about the entire situation and what she might do. According to the source, "There's a defiant side to Meghan." The ***** ss of Sussex will "do what she wants and won't allow the royals to determine or stop her happiness or success," the source added.

#according #meghan
wufike_tqi_va_gupi_n
5 days ago
Meghan Markle is facing renewed scrutiny following reports that she is preparing to film in Australia. After the **** ss of Sussex and Prince Harry relocated to the UK at the end of August, reports of an upcoming work stint in Australia have led royal commentators to question how the family will manage the transition.
Meghan Markle is set to appear on Junior MasterChef Australia's upcoming season, which will film in Australia in 2027. However, it has not been confirmed whether Prince Harry, Prince Archie and Princess Lilibet will be joining her. The Sussex children recently changed schools in the UK after their security team raised concerns about their previous commute. The possibility of another move has now prompted questions about how the family's arrangements could work during Meghan's filming commitment.
On The Sun's Royal Exclusive, the **** ss of Sussex was criticized for the possibility of relocating her kids again. "Career-wise for her, it's, you know, it's good news," host Sarah Hewson said. She continued, "What about for the kids who they've just brought over to the UK, got settled in a new school. Is that going to change anything or do we think the kids will be going?" The Sun's royal editor Matt Wilkinson shared his thoughts. "The children thing is a really interesting thing because we know that they've already changed schools once," he said.
Wilkinson added, "They said they were coming back to the UK for the children's schooling. So these are unanswered questions…" The royal editor was unsure whether it would be "an exceptionally long period for Meghan and Harry." He wondered if the Sussexes will take their kids to another school. "Is it going to be another um you know, traffic crisis outside of school in Sydney or Melbourne or something? But yeah, I would really like a little kind of welcome break…," Wilkinson said.
Hewson felt Harry could take the kids for a trip to Australia if it occurs during school days. "[They could] take the kids to go out and see mum while she's working," the royal correspondent explained.

#harry
ytpy9a3flob8di_q
5 days ago
A strong showing by Democrats in Texas swept Gina Hinojosa into office as the state's first Democratic governor since 1990 in a contest closely watched by Big Tech companies.
Texas is considered a bellwether for government restrictions on AI data centers and was just one place where deep voter unease over the build-out was on display. Voters across the country passed a series of local ballot measures aimed at restricting construction in the years ahead.
Hinojosa, Texas's first Latina governor, has pledged to impose a moratorium on data center construction in Texas, which accounts for more than 25% of planned US capacity by 2030.
"I want to say something to the powerful people who have gotten very comfortable running this state," she told supporters in her victory speech. "The voters have delivered a mandate for change, and it is change they will get."
Her victory was one of a series of wins for Democrats in Texas. The party is also on track to take control of the Texas House, which would give Hinojosa more power to follow through on restrictions even as the state Senate appears set to remain under Republican control.

#texas #series #construction
cokusyterwihati
5 days ago
Kim Kardashian knows how to make a statement with her fashion choices, and her latest appearance in Beverly Hills was no exception. The reality star and business mogul stepped out in an all-black ensemble that combined daring details with extravagant luxury. However, it was her exceptionally rare handbag that truly stole the spotlight.
Earlier reported by The Fashion Spot, Kardashian turned heads in a glossy black crocodile-effect jacket that featured a striking, structured silhouette. The fitted piece came with long sleeves, a dramatic collar, and a shiny textured finish that reflected the camera flashes.
The jacket was left partially unzipped at the front, creating a plunging neckline that added a daring touch to the sophisticated outfit.
The jacket also featured a cinched waist that emphasized Kardashian's figure, while its slightly flared hem gave it a more sculptural appearance. She paired the statement piece with opaque black tights.
Kardashian completed her ensemble with pointed-toe black stiletto heels featuring a glossy finish. She styled her signature long, jet-black hair straight with a center part, falling past her shoulders. She opted for her usual glamorous makeup, including defined eyes, sculpted cheeks, and a soft nude lip.

#appearance
prism48022
5 days ago
Archaeologists have finally cracked the code to the famed Ann Francis shipwreck’s brass combination treasure lock. However, the 16th century relic didn’t open after hours of painstaking trial-and-error. Researchers at Cardiff University and Amgueddfa Cymru, the National Museum of Wales, relied on highly detailed CT scanning equipment to peer inside the mechanical device and learn the code without touching the lock itself.
“It’s not every day you get to solve a 400-year-old mystery,” David Williams, a Cardiff University biomechanics engineer, said in a statement.
The lock’s combination was lost on December 28, 1583, when the merchant ship Ann Francis sailed into a powerful storm during a return voyage from Spain. The exact crew number is unclear, but all of them (around 14 sailors) reportedly drowned after veering off-course and wrecking along the coast of southern Wales. Unfortunately, at least one other death is likely directly tied to the Ann Francis. Archival evidence suggests locals later accused a “detestable woman” named Mother Gabley of being an “execrable witch” and casting the foul weather responsible for the maritime tragedy. While Mother Gabley’s fate remains unknown, she would have almost certainly been hanged under the recently passed “Act Against Conjurations, Enchantments and Witchcrafts” if brought to trial.
The Ann Francis remained missing for 415 years, until metal detectorist Peter Hughes rediscovered the wreckage while surveying southern Wales’ Margam Beach in 1998. Hughes and archaeologists subsequently spent more than 20 years scouring the area for the ship’s remains. By 2017, preservationists had documented over 800 gold and silver coins from Germany, Spain, and Portugal along with artifacts like compasses, ship equipment, and cutlery.
Still, the wreck’s most famous remnant is the brass combination lock still in working condition after four centuries buried in sand. It’s possible the lock was used to guard those coins, or potentially other valuables that didn’t survive exposure to the elements. Regardless, the lock has remained close with no hints to its four-letter combination for hundreds of years.

#francis #ship #years
pIxelSoCKet
5 days ago
The maximum 2026 Social Security benefit is $5,181/month, requiring 35+ years earning at or above the $184,500 wage cap and claiming at 70.
Most workers can't hit the wage cap, but delaying Social Security to 70 and boosting salary through job-hopping raises your benefit meaningfully.
Combining a $2,500 monthly Social Security benefit with $32,000 in annual IRA or 401(k) withdrawals can match the maximum benefit's $62,000 yearly income.
Building a portfolio and living off one are two completely different skills, and almost ******* ody teaches the second. This problem is what The Definitive Guide to Retirement Income helps, and it is free today. Read more here. (Sponsor)
The typical retiree who receives Social Security benefits gets about $2,088 per month. On an annual basis, that's about $25,000.

#income #maximum #annual
sudoja3209
5 days ago
Prince Harry is reportedly becoming increasingly worried about his financial future as he continues trying to repair ties with the royal family. According to a new report, the Duke of Sussex fears his strained relationship with Prince William could influence future decisions involving King Charles, including any inheritance.
Prince Harry wants to rebuild his relationship with King Charles after his family's return to the U.K. In fact, Harry recently told GQ that he hopes to reconcile with his family and "work it out." However, an insider claims Harry worries about the ongoing royal rift. He also fears the feud could threaten his family's long-term money situation, according to Heat. The source alleged that Harry fears William's growing influence over King Charles could affect future inheritance decisions. As a result, he worries his older brother could affect decisions about the monarch's future estate.
The insider claimed Harry's desire to reconcile is not driven by money. Instead, they said he wants to protect Meghan Markle and their children, Prince Archie and Princess Lilibet, while also rebuilding his relationship with his father.
According to the report, Harry allegedly feels pressure to maintain the family's lifestyle. The source pointed to the couple's security costs and property expenses as major financial responsibilities. They also claimed Harry finds it difficult watching other senior royals enjoy greater financial stability.
The report further suggested Harry believed returning to Britain would help repair family relationships. However, the insider alleged progress has been slower than expected. The source claimed King Charles had remained cordial but had not been readily available for meetings.

#charles #report #fears
Ld3eMOMLqV1D
5 days ago
Roth conversions count as income, so retirees over 65 near $75,000 can lose the new $6,000 senior deduction without warning.
A $40,000 conversion for a single retiree costs about 23% rather than the quoted 22%, while $100,000 nearly erases the deduction.
Converting only up to the income threshold, waiting until 2029, or paying conversion tax from taxable savings can protect the deduction.
Read More: Learn 7 ways to generate income with a $1,000,000+ portfolio (sponsor)
Congress handed people 65 and older a new tax break last year, and it comes with a tripwire that most of the articles celebrating it skipped. The deduction is worth up to $6,000 a person for tax years 2025 through 2028. It starts to shrink once your income passes $75,000 if you are single, or $150,000 if you file jointly, and it shrinks fast: 6 cents for every dollar over the line. At $175,000 single or $250,000 joint it is gone.

#income #single #converting #conversions
emBer
5 days ago
A widow who stays as beneficiary on her late husband's IRA avoids roughly $172,000 in forced taxable income over four years before his RMD clock starts.
Filing single cuts her Medicare IRMAA threshold in half to $109,000, so a $40,650 RMD alone can trigger $974 in extra annual Part B premiums.
Contributing to or missing a required distribution from the inherited IRA permanently strips away the deferral option the IRS otherwise allows surviving spouses.
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Consider a combined case. A 74-year-old widow's husband dies this year at 68, and she's the sole beneficiary of his $1 million traditional IRA. The custodian's spousal claim form offers to move the money into an IRA in her own name, and that looks like the tidy choice.

#beneficiary #filing
75788grumpysimply
5 days ago
Mckenna Grace paired her micro minidress with Sonia Petroff jewelry for an interview during "The Hunger Games: Sunrise on the Reaping" press run. The 20-year-old portrays Maysilee Donner and her sister Merrilee Donner in the movie. She has delivered several striking looks throughout the press run.
Mckenna Grace joined co-star Joseph Zada on the new episode of the Spanish talk show "La Revuelta." Styled by Molly ***** son, the "Gifted" actress accessorized with Sonia Petroff Swan Earrings. Crafted from brass with 24-carat gold overlay, the earrings wrapped around the ear in an ear-cuff silhouette.
The top arch resembled a slender, graceful swan neck ending in a downturned beak, while the base fanned out into a stylized wing. Further, brilliant Swarovski diamonds adorned the wings' feathers. A single ***** rous pearl sat right at the bend where the neck met the plumage.
Grace paired the beautiful earrings with the Sau Lee Caspian Jacquard Print Dress. The metallic gold minidress features a high Mandarin-style collar framing a keyhole chest cutout. The bodice hugged her torso and cinched at the waist before falling into a short hemline with a little side slit for ease of movement.
The metallic gold jacquard wove an ornate, textured surface pattern that caught light from every angle, echoing the opulence of the gilded jewelry. Meanwhile, the short hemline put her long legs on full display. She paired the dress with sheer black tights, elongating the leg line. Black slingback pumps completed her look. Together, the tights and the shoes created a streamlined vertical line.

#grace #Gold #mckenna #jacquard
cojata_yiyoci_fasu_l
5 days ago
Kanye West has the support of his family on his big night.
The 49-year-old "All of the Lights" rapper presented his new Yeezy fashion collection on Wednesday (November 4) in Los Angeles.
Joining Kanye at the show were all four of his kids – North, 13, Saint, 10, Chicago, 8, and Psalm, 7. The controversial rapper shares his four kids with ex-wife Kim Kardashian, who was spotted in New York City that same night hanging out with a longtime famous friend.
Kanye's wife Bianca Censori also supported him at the show, wearing an extremely low-cut jumpsuit.
Other stars in attendance included Big Sean, King Combs, 2 Chainz, Quenlin Blackwell, Kid Cudi, Rich the Kid, ASAP Nast, and Natalie Nunn.

#kanye #rapper #yeezy

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