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Crypto soared in 2025 — and then crashed. Now what? NPRCryptocurrency slump erases 2025 financial gains and Trump-inspired optimism The GuardianBTC, ETH price analysis: Bitcoin, ether drop 22% in one of their weakest Decembers CoinDeskBitcoin Swings All Year, Marks First Annual Decline in Three Years ?????Bitcoin Drops 32% After Eric Trump's Optimistic Crypto Forecast Coinfomania
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Indiana throttles Alabama, leave no doubt en route to CFP semifinal berth vs. Oregon CBS SportsHoosiers handle Tide, book rematch with Ducks ESPNEverything Curt Cignetti Said After Blowing Out Alabama in Rose Bowl Sports IllustratedIndiana hands Alabama worst postseason loss in program history in Rose Bowl beatdown Fox New
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Trump tells WSJ he takes a higher daily dose of aspirin than his doctors advise in lengthy interview on his health CNNExclusive | As Signs of Aging Emerge, Trump Responds With Defiance The Wall Street JournalTrump says he underwent CT scan, not MRI, during October examination CBS NewsTrump defends his health and energy while revealing new details on medical screenings he underwent PBS
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5 pros predict how mortgage rates will move in January 2026 — and beyond MarketWatchMortgage Rates at 2025 Low Give Homebuyers Momentum in New Year Bloomberg.comMortgage rates hit 2025 low as homebuyers catch a break Fox BusinessCurrent refi mortgage rates report for Jan. 1, 2026 Fortune
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Banks and companies in emerging markets outside China issue debt at fastest pace since 2021
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Too many young professionals are leaving Uncle Sam an enormous tax gratuity. How are they doing this? By not taking full advantage of the triple tax benefits of a health savings account. I've yet to meet anyone who wants to pay more taxes. Many do not mind paying their fair share, but they do not want to leave a tip.
SEE MORE ‘I Can't Retire - I Need Health Insurance'
An early to mid-career professional with a high-deductible health plan (HDHP) could be missing out on six figures of lifetime tax savings. With open enrollment for health insurance around the corner, it's time to understand and utilize the benefits of your HSA.
What Qualifies as a High-Deductible Plan?
For 2023 a high-deductible health plan is defined by the IRS as one with a deductible not less than $1,500 for self-only coverage or $3,000 for family coverage, and for which the annual out-of-pocket expenses do not exceed $7,500 for self-only coverage or $15,000 for family coverage. Healthy young professionals are prime candidates for an HDHP. That is because many of them need minimal medical care; they visit the doctor annually and have no or few drug prescriptions.
Because their medical expenses are low, money contributed to a health savings account can be used to generate significant tax savings while also building a large health care nest egg.
What Are the Triple Tax Benefits of HSAs?
Contributing to a health savings account provides a triple tax benefit:
First, anyone who
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Nobody likes a down stock market - or do they?
Almost every conversation I have had with clients this year included some amount of fear over where the markets are and where they are headed. The concerns range from losing a few more percentage points (possible) to losing 100% of their money (absurd). If an investor in a moderate portfolio lost all their money because the stock market went to zero, you would have much bigger things to worry about than your money. There wouldn't be anything to buy with it anyway. You'd need to learn farming skills ASAP, because there would be no more stores to buy anything from. The world would have, for all intents and purposes, ended. So clearly this is not a rational fear.
SEE MORE The Good News About Recessions for Investors
On the other hand, could the markets drop to a level we saw before the July/August rally? Sure, it could. It could even go a bit lower.
The issue isn't that the market could go lower at any given point, the issue is what will it ultimately do? The answer to that question in the past has always been that it moved higher - eventually. As we know, markets go both up and down, but they have always trended higher. This time and the next 10 after it will ultimately be no different, regardless of the reason it goes down.
Bear Market Statistics Offer Reassurance
Since 1950, we have seen 11 bear markets (defined as a drop of at least 20% from its most recent high). The average duration of those bear markets was 13 months, and the average drop in the markets was -33%. By comparison, during that same time period, bull markets have lasted 67 months on average and experienced a total return of 265%. *
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