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☆ 'Big Short' investor Steve Eisman details the 4 themes that have him betting on a turbocharged infrastructure boom instead of chasing AI hype
▼ + stars: | 2024-04-07 | by ( Filip De Mott | ) www.businessinsider.com time to read: +4 min

download the appSign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. Read preview2008's housing crash might be long over, but Steve Eisman is not done looking for the next big macro trade. The investor — famous for his subprime mortgage bet, as documented in "The Big Short" — is now eyeing infrastructure as biggest winner of today's conditions. "You take all four of those boxes, and you turbocharge them by the fact that the United States has not had an industrial policy in anyone's lifetime," Eisman said. While Eisman believes in AI and infrastructure, he has no faith in crypto's potential, he said.

Persons: —, Steve Eisman, Eisman, Neuberger Berman —, they've, Eaton, United States — everybody's Organizations: Service, Business, JPMorgan, Apple Locations: United States

☆ What's more important? AI or the election.
▼ + stars: | 2024-04-05 | by ( Dan Defrancesco | ) www.businessinsider.com time to read: +7 min

In today's big story, we're announcing the finalists for our business, tech, and innovation bracket. What's on deck:This story is available exclusively to Business Insider subscribers. If you're just catching up, a few weeks ago we identified eight of the biggest trends in business, tech, and innovation. And then there were two: the AI race vs the US presidential election. Dan Rosen, founder and partner, Commerce Ventures:Advertisement"As a fintech investor, AI strikes me as more important.

Persons: —, we're, Chelsea Jia Feng, Readers, Bruce K, Lee, Dan Rosen, Ira Allen, Tracy Albert, Wendy Craft, Elle, Dodd, Frank, Zach Blank, Nick DiGiovanni, Adam Jeffery, Ian MacNicol, David Einhorn, Jesse Cohn, Greg Coffey, Goldman Sachs, Brian Robinson, Nelson Peltz's, James Park, would've, Justin Sullivan, Marissa Mayer's, Enrique Munoz Torres, Elon Musk, Musk, Lukas Schulze, it's, Dan DeFrancesco, Jordan Parker Erb, Hallam Bullock, George Glover Organizations: Service, Business, Keebeck Wealth, Commerce Ventures, CNBC, NBCU, Getty, Elliott Management, Sohn, Street Journal, Disney, UCLA, Yahoo, LinkedIn, Elon, Apple, Ford, Workers, Advertising Research, NCAA Locations: Europe, California, New York, London

☆ I saved $100,000 by 25 thanks to the good financial habits my mom and dad gave me. Here are my top tricks.
▼ + stars: | 2024-04-05 | by ( Aleenah Ansari | ) www.businessinsider.com time to read: +5 min

Money gave me the freedom to leave a toxic job, travel to Europe, and launch my career as a financial advisor. When I set out to save $100,000, I was 22, living in Seattle in 2016 and making $55,000 at my first corporate job. Saving $100,000 was a combination of privilege and hard work. I felt confident I could launch a successful financial education platform and take my financial education business, "Her First $100k," full-time. I wouldn't have hit my $100,000 goal as quickly if I hadn't routinely invested in these accounts.

Persons: Tori Dunlap, Roth, there's Organizations: Service, Business Locations: Seattle, Europe, Costa Rica

☆ Don't overlook these 3 tax moves that could save you thousands, experts say
▼ + stars: | 2024-04-04 | by ( Ryan Ermey | ) www.cnbc.com time to read: +4 min

It could also mean taking a few minutes to click around the deductions page on your tax software to make sure you're not leaving money on the table. Here are three tax moves that experts say people tend to overlook. If you didn't hit your maximum contribution for 2023, you can retroactively direct funds to those accounts for the 2023 tax year. If you have children or other dependents, for instance, your tax prep software will likely guide you to the Child Tax Credit and the Child and Dependent Care Credit. "You're not going to enter something in wrong and the program's not going to give you the Child Tax Credit.

Persons: Mark Jaeger, Hunt, Jaeger, Ed deHaan, deHaan, de Haan Organizations: Child Tax, Care, American Opportunity, Tax, Stanford Graduate School of Business, Research Locations: TaxAct

☆ US tax returns are due in two weeks, but millions of people have some extra time to file
▼ + stars: | 2024-04-01 | by ( Jeanne Sahadi | ) edition.cnn.com time to read: +7 min

New York CNN —If you haven’t sent in your 2023 income tax return yet, you have until April 15 to do so. But keep in mind, that extension only gives you more time to file your federal income tax return. The IRS has already received more than 80 million income tax returns for 2023, according to its most recent figures released Friday. Besides a refund, the IRS further notes low- and moderate-income earners also may be eligible to receive the Earned Income Tax Credit. And if you do file and are owed a refund, it may be withheld if you have yet to file your 2021 or 2022 returns.

Persons: haven’t, you’re, David Hubber, ” Hubber Organizations: New, New York CNN, Taxpayers, Patriots, Washington , D.C, IRS, “ Taxpayers, Department, DOJ, DOJ’s Locations: New York, Maine and Massachusetts, Washington ,, Idaho, Pennsylvania

☆ 4 reasons Private College 529 Plan is a wise investment for your child's future
▼ + stars: | 2024-04-01 | by ( Sponsor Post | Created Insider Studios | ) www.businessinsider.com time to read: +7 min

Private College 529 Plan locks in today's tuition rates, saving big on future costs and giving flexibility with school choice. Both LaShanda and Ben have been saving for their children's higher education using Private College 529 Plan. Learn more about setting your child up for success with Private College 529 Plan. When you save with Private College 529 Plan, you purchase tuition at then-current rates for each college in the plan. This post was created by Insider Studios with Private College 529 Plan.

Persons: Ben S, Ben, LaShanda, Spelman, they're, prepaying, It's, Roth Organizations: Private, Private College, College Board, Stanford, MIT, Princeton, Spelman College, Roth IRA, Insider Studios Locations: Arizona , Arkansas , Kansas , Maine, Minnesota , Missouri, Montana , Ohio, Pennsylvania

☆ The top 5 U.S. cities to retire if you don't have any savings—only 1 is in Florida
▼ + stars: | 2024-03-31 | by ( Cheyenne Devon | ) www.cnbc.com time to read: +1 min

If you've got nothing saved for retirement, you're not alone. Nearly 30% of Americans have $0 saved for retirement, per recent data from personal finance website GOBankingRates. The average monthly benefit is around $1,773 as of February, per the Social Security Administration. It ranked each city on a variety of metrics, including the city's average home value, annual grocery costs, annual utilities costs and whether the state taxes Social Security benefits. Here are the top five places in the U.S. to retire if you have little to no savings, according to GOBankingRates.

Persons: you've, Anne Lester, Roth, GOBankingRates Organizations: CNBC, Roth IRA, Social Security, Social Security Administration, Social, U.S, Survey, Tax Foundation, Bureau of Labor Statistics, Expenditure Locations: U.S

☆ The Perils of Intimacy
▼ + stars: | 2024-03-30 | by ( New York Times Audio | ) www.nytimes.com time to read: 1 min

Our new audio app is home to “This American Life,” the award-winning program hosted by Ira Glass. New episodes debut in our app a day earlier than in the regular podcast feed, and we also have an archive of the show. The app includes a “Best of ‘This American Life’” section with some of our favorite bite-size clips, so you can enjoy the show even if you don’t have a lot of time.

Persons: Ira Glass

☆ The average tax refund is $3,109. Here's where to save and invest your return right now.
▼ + stars: | 2024-03-28 | by ( Kathleen Elkins | ) www.businessinsider.com time to read: +5 min

"The goal is usually to be as close to zero as possible: either a minimal return refund or a minimal tax payment. Where to save your money right now: high-yield or money market accountsOnce you've received your refund, a good initial step is to send that money from your checking account to a savings account. A few key differences: Your cash will be more accessible in a money market account, as you can write checks and use a debit card linked directly to the account. Note that money market accounts usually have a higher minimum balance requirement, ranging from a few hundred to a few thousand dollars. Interest rates are expected to drop in 2024, but you'll still earn more in these accounts than in traditional savings accounts, which typically offer rates under 0.5%.

Persons: Grant Nieland, you've, you'll, You'll, Roth, Nieland, we're Organizations: Business, Carson Wealth, IRS, Wealth, Roth IRA

☆ China opens WTO dispute against U.S. subsidies to protect its EV industry
▼ + stars: | 2024-03-27 | by ( ) www.cnbc.com time to read: +1 min

Vehicles set to be shipped to Europe, at Taicang Port on Dec. 19, 2022, in Suzhou, China. China has initiated dispute settlement proceedings against the United States at the World Trade Organization to safeguard its interests in the electric vehicle industry, the Chinese mission said on Tuesday and the WTO confirmed. China said it was contesting "discriminatory subsidies" under the U.S. Inflation Reduction Act (IRA) that it said resulted in the exclusion of goods from China and other WTO countries. The wide-ranging law provides billions of dollars in tax credits to help consumers buy electric vehicles and companies produce renewable energy, as President Joe Biden aims to decarbonise the mighty U.S. power sector. It said it was launching the proceedings "to safeguard the legitimate interests of Chinese electric vehicle industry and to maintain a fair level playing field of competition for the global market".

Persons: Joe Biden Organizations: Taicang Port, World Trade Organization, WTO, U.S Locations: Europe, Taicang, Suzhou, China, United States

☆ Yellen warns China's surplus of solar panels, EVs could be dumped on global markets
▼ + stars: | 2024-03-27 | by ( Rebecca Picciotto | ) www.cnbc.com time to read: +2 min

"China's overcapacity distorts global prices and production patterns and hurts American firms and workers, as well as firms and workers around the world." China has a surplus of solar power, electric vehicles and lithium-ion batteries that it can ship out to other countries at cheaper prices. Yellen said she intends to put pressure on Chinese officials about these trade practices during her upcoming visit to China. Meanwhile, China has been pouring billions into clean energy for years, outpacing the rest of the world in the energy transition. Yellen added that the more China's clean energy glut interferes with global market prices, the worse off supply chains for these energy sectors will be.

Persons: Janet Yellen, Yellen, Biden Organizations: Treasury, Financial Services, General Government, Rayburn House, White House, Biden Administration, Embassy Locations: Washington , DC, China, U.S, Georgia, Washington

☆ An 'often overlooked' retirement savings option can lower your tax bill, advisor says. Here's how it works
▼ + stars: | 2024-03-26 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +2 min

10'000 Hours | Digitalvision | Getty ImagesThere's still time to lower your 2023 tax bill or boost your refund with a lesser-known retirement savings strategy for married couples. One requirement for individual retirement account contributions is "earned income," such as wages or salary from a job or self-employment earnings. But there's an exception for single-income households: the spousal IRA. With income phaseouts for IRA deductibility and Roth IRA contributions, many wait until March or April for the previous year's IRA deposits. Even a $500 or $1,000 spousal IRA contribution could provide tax savings.

Persons: Roth, —, Judy Brown, Catherine Valega, Brown, deductibility Organizations: Getty, SC, H, D.C, Pew Research Center, Green Bee, Green Locations: Washington, Baltimore, Boston

☆ When the Supreme Court overturned Roe v. Wade, it opened the floodgates for abortion-related lawsuits
▼ + stars: | 2024-03-25 | by ( Joan Biskupic | ) edition.cnn.com time to read: +19 min

CNN —The Supreme Court on Tuesday will hear its first abortion case since the 2022 reversal of Roe v. Wade and upheaval of reproductive rights in America. All the while, public regard for the Supreme Court has degenerated. Supreme Court Justice Stephen Breyer is photographed at his home in Cambridge, Massachusetts, in September 2015. Dirck Halstead/The LIFE Images Collection/Getty Images Breyer and his daughter Chloe jog with Clinton in May 1994. Mai/The LIFE Images Collection/Getty Images Breyer works in his office with his staff of clerks in June 2002.

Persons: Roe, Wade, Joe Biden, Donald Trump, Dobbs, Biden, Elizabeth Prelogar, mifepristone, Prelogar, what’s, ”, Susan B, Anthony Pro, ’, Evelyn Hockstein, Breyer, Stephen Breyer, Justice Ketanji Brown Jackson, Samuel Alito, Hodges, Trump, “, ” Breyer, Damon Winter, Stephen, Irving, Anne, Charles ., Chloe, Nell, Michael —, Joanna Breyer, Ira Wyman, Sygma, Byron White, Ruth Bader Ginsburg, John Harrington, Joanna, John Tlumacki, Bill Clinton, Clinton, Harry Blackmun, Dirck Halstead, Doug Mills, US Sen, Ted Kennedy, Laura Patterson, John Blanding, Colin Powell, George W, Bush, Mai, David Hume Kennerly, Seuss, Evan Vucci, Charles, Marcio Jose Sanchez, William Rehnquist, Clarence Thomas, David Souter, William Kennedy, Antonin Scalia, Sandra Day O'Connor, John Paul Stevens, Chip Somodevilla, John Roberts, Pablo Martinez Monsivais, Samuel Alito's, Gerald Herbert, Cole Mitguard, Mourning, Penni Gladstone, Clara Scholl, Elise Amendola, Nicholas Kamm, Michelle Obama, Barack Obama, Alex Wong, ABC's George Stephanopoulos, Heidi Gutman, Andrew Harrer, Hu Jintao, Eli, Shutterstock Breyer, Britain's Prince Charles, Mandel Ngan, Tom Williams, Carolyn Kaster, Ben Bradlee, Bill O'Leary, Pete Marovich, Stephen Colbert, Jeffrey R, Win McNamee, Elena Kagan, Neil Gorsuch, Anthony Kennedy, Sonia Sotomayor, Maureen Scalia, Andrew Harnik, Brett Kavanaugh, Amy Coney Barrett, Erin Schaff, Abraham Lincoln, George Washington, Saul Loeb, Ketanji Brown Jackson, Patrick, Fred Schilling, Matthew Kacsmaryk, Erin Hawley, GYN, … Organizations: CNN, Alabama Supreme, Republican, Food, Drug Administration, FDA, Jackson, Health Organization, District of Columbia, America, United States Conference of Catholic Bishops, Alamo Women's, Reuters, Supreme Court, Democratic, Supreme, New York Times, Harvard Law School, Appeals, First Circuit, Circuit, Getty, White House, Airport, Boston Globe, US, Suffolk University Law School, Francisco's Lowell High School, San Francisco Chronicle, Belgium's Catholic University of Louvain, Georgetown University Law Center, Administrative, Administrative Conference of, Jewish American Heritage Month, Walt Disney Television, Bloomberg, White, Office, Committee, Washington Nationals, Washington Post, Financial Services, General Government, CBS, State, The New York Times, Library of Congress, Alliance, Hippocratic, Alliance for Hippocratic, OB, Department, Justice Locations: America, New York, Carbondale , Illinois, Cambridge , Massachusetts, Maine , Massachusetts, New Hampshire, Puerto Rico, Rhode Island, AFP, San Francisco, Lowell, Washington , DC, United States

☆ All the King’s Horses
▼ + stars: | 2024-03-23 | by ( New York Times Audio | ) www.nytimes.com time to read: 1 min

The New York Times Audio app is home to journalism and storytelling and provides news, depth and serendipity. It is available to Times news subscribers on iOS. If you haven’t already, download the app and sign up for our weekly newsletter. Our new audio app is home to “This American Life,” the award-winning program hosted by Ira Glass. The app includes a “Best of ‘This American Life’” section with some of our favorite bite-size clips, so you can enjoy the show even if you don’t have a lot of time.

Persons: Ira Glass Organizations: New York Times

☆ What investors should know about the U.S. easing vehicle emissions rules
▼ + stars: | 2024-03-23 | by ( Michael Wayland | ) www.cnbc.com time to read: +6 min

President Joe Biden speaks at the United Auto Workers political convention at the Marriott Marquis in Washington, D.C., Jan. 24, 2024. The new Environmental Protection Agency rules released Wednesday aim to cut tailpipe emissions by 49% between model years 2027 and 2032. The EPA set a target for EVs to make up at least 35% of new vehicle sales by 2032. The EPA's new strategy for cutting tailpipe emissions doesn't focus only on EVs. The EPA's percentage targets for EV adoption are not mandates but expectations for how automakers could meet the emissions regulations.

Persons: Joe Biden, Saul Loeb, Biden, Emmanuel Rosner, Mary Barra, Ngan, John Bozzella, Stocks, Tesla, weren't, Chelsea Hodgkins, Martin Viecha, Chris Kapsch, Morgan Stanley, Adam Jonas Organizations: United Auto Workers, Marriott Marquis, Washington , D.C, AFP, Getty, DETROIT, Environmental Protection Agency, EPA, EV, Detroit Automotive, Wall Street, Detroit, General Motors, Ford Motor, Chrysler, capex, Deutsche Bank, Chevrolet Silverado, Huntington Place Convention, Afp, Alliance for Automotive Innovation, United Auto Workers union, UAW, Toyota, Public Citizen, Sierra Club, Democratic, GM, Ford Locations: Washington ,, Detroit , Michigan, U.S, Detroit, Michigan

☆ 'Gray divorce' has doubled since the '90s — and the financial risk is high for women
▼ + stars: | 2024-03-23 | by ( Greg Iacurci | ) www.cnbc.com time to read: +6 min

The rate of "gray divorce" — a term that describes divorce at age 50 and older — doubled from 1990 to 2019, according to a 2022 study published in The Journals of Gerontology. The 'chronic economic strain' of gray divorceIn heterosexual relationships, gray divorce typically "has more negative implications for women than for men," said Kamila Elliott, a certified financial planner and co-founder of Collective Wealth Partners, based in Atlanta. Altogether, women's standard of living declined by 45% following a gray divorce, while the drop for men was less severe, at 21%, Brown and Lin wrote. These negative economic outcomes persisted over time, "indicating that gray divorce operates as a chronic economic strain," they said. For example, let's say a husband is eligible for a larger Social Security benefit relative to his female spouse.

Persons: Susan Brown, Lin, Kamila Elliott, Laura Tach, Alicia Eads, Natalie Colley, Brown, Elliott, Women shouldn't, Colley, I've Organizations: Gerontology, Bowling Green State University, Collective Wealth Partners, Cornell University, University of Toronto, Francis Financial, Social Security, Women, Collective Wealth Locations: Atlanta, New York

☆ Treasury chief Yellen defends Biden budget against Republican senators' fears of tax increases
▼ + stars: | 2024-03-21 | by ( Chelsey Cox | ) www.cnbc.com time to read: +3 min

Provisions of the TCJA — a landmark tax law proposed by the Trump administration and passed by Congress in 2017 — that are set to expire in 2025 include the child tax credit. An additional "other dependent credit" offers a tax credit of $500 to people with less than $400,000 in income who have qualified dependents who are ineligible for the child tax credit. Biden's budget will restore the expanded child tax credit, the White House has said. "Would you agree that if the TCJA child tax credit provisions are not extended, this would also result in a tax hike for Americans making under $400,000?" The budget would impose a minimum 25% tax rate on the unrealized income of the very wealthiest households and raise the IRA's corporate alternative minimum tax for billion-dollar companies from 15% to 21%, while increasing the larger corporate tax rate to 28%.

Persons: Janet Yellen, Joe Biden's, Biden, Sen, Steve Daines, Yellen, Daines, Trump, Mike Crapo, pare Organizations: Treasury, Capitol, WASHINGTON —, Congress, White, Child Tax, Rescue, National Conference of State Legislatures, . Census, House Republicans, Lawmakers, Department of Homeland Security Locations: Washington , U.S, Idaho

☆ Biden slows his timeline for the shift to EVs in a compromise with unions concerned about jobs
▼ + stars: | 2024-03-20 | by ( Catherine Boudreau | ) www.businessinsider.com time to read: +5 min

President Joe Biden is giving automakers more time to ramp up sales of electric vehicles, following pressure from the industry and labor unions concerned about a rapid transition to EVs. Cars are the single-largest source of greenhouse gas emissions. Still, the United Auto Workers worries that a rapid shift to EVs will cost jobs because EV manufacturing requires fewer assembly parts. Pacing EV adoptionThe tailpipe rules land as the EV market hits some bumps in the road. AdvertisementStill, analysts predict that EV sales will continue to push higher, thanks to newer models at more affordable prices and the continued build-out of charging stations.

Persons: Joe Biden, —, John Bozzella, Kelley, Power, Albert Gore, Tesla Organizations: Service, Environmental Protection Agency, Wednesday, Business, United Auto Workers, UAW, Alliance for Automotive Innovation, Ford, General Motors, Zero Emissions Transportation Association, EV, EPA, Research Locations: United States

☆ How to avoid the 'survivor's penalty' before a spouse passes
▼ + stars: | 2024-03-18 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +4 min

Jessie Casson | Digitalvision | Getty ImagesIt's hard to lose a spouse, and a costly surprise makes it even more difficult, especially for older women — higher taxes. watch nowTypically, the surviving spouse inherits the deceased spouse's individual retirement accounts, and so-called required minimum distributions are about the same. But the surviving spouse now faces higher tax brackets, Gagliardi said. Spouses may consider partial Roth IRA conversions, which transfers part of pretax or nondeductible IRA funds to a Roth IRA for future tax-free growth, Jastrem said. Check investment accountsIt's always important to keep account ownership and beneficiaries updated, and failing to plan could be costly for the surviving spouse, Jastrem said.

Persons: Jessie Casson, Digitalvision, Edward Jastrem, —, Donald Trump's, George Gagliardi, Gagliardi, Roth, Jastrem Organizations: Getty, Centers for Disease Control, Heritage Financial Services, CNBC, Coromandel Wealth Management, Wealth Locations: Westwood , Massachusetts, Lexington , Massachusetts

☆ I was in debt and struggling when a $45,000 inheritance changed my life
▼ + stars: | 2024-03-16 | by ( Chris Boutté | ) www.businessinsider.com time to read: +5 min

I also invested my son's $15,000 inheritance and have taught him about finances. AdvertisementI come from a family where not only were we lower-middle class, but we didn't talk about money. I also started racking up a ton of debt in my 20s as I struggled with an alcohol and drug addiction. Fast forward to 2021, and I received an inheritance of $45,000 from my grandfather, who sadly passed away the previous winter. My son also received an inheritance of about $15,000, and he was 12 years old at the time.

Persons: —, didn't, Ramit Sethi Organizations: Service, Netflix, YouTube Locations: America

☆ A 35-year investing veteran explains how to accelerate retirement returns that beat the S&P 500 by transferring part of an IRA into a real estate fund. Plus, the 3 main risks.
▼ + stars: | 2024-03-16 | by ( Laila Maidan | ) www.businessinsider.com time to read: +6 min

Investing without owningLike real-estate investment trusts (REITs), real-estate funds provide exposure to the tangible asset class without owning and managing property. Investing directly through a private real-estate fund would take a few extra steps. The process requires an investor to identify a real-estate fund of interest. Once that's completed, funds from the retirement account are directly transferred into the real-estate fund. It's also important to read the terms of each fund; some may have added costs for repairs, expenses, and maintenance, which your IRA funds would cover.

Persons: Paul Daneshrad, Daneshrad, He's, we're, Dow, there's, Roth, that's, Gary Diamond, Fishman, Diamond, It's Organizations: Starpoint, Business, Federal, CPA

☆ Unprepared for What Has Already Happened
▼ + stars: | 2024-03-16 | by ( New York Times Audio | ) www.nytimes.com time to read: 1 min

Persons: Ira Glass Organizations: New York Times

☆ I opened an account that the wealthy like to save and invest in, thanks to its major tax benefits. It was a smart money move, but I made 2 mistakes
▼ + stars: | 2024-03-16 | by ( Kathleen Elkins | ) www.businessinsider.com time to read: +6 min

But I let my money sit in the non-bearing cash account for two years. The author started investing her HSA money in 2024. That number looks very different if I chose to leave the money in the cash account for those 26 years: It would amount to about $112,000. Touching the HSA money also cost me. Now that I've spoken with Weiss, I'm building my cash balance up to the one-year deductible amount before I invest more.

Persons: —, they're maxing, Brent Weiss, That's, Weiss, Kathleen Elkins , me Organizations: Service, Business, Vanguard

☆ Opinion: Is the US on the brink of another civil war?
▼ + stars: | 2024-03-16 | by ( Opinion Bruce Hoffman | Jacob Ware | ) edition.cnn.com time to read: +11 min

The most dismal assessment, though, is that of Canadian journalist Stephen Marche who, in his 2022 book, The Next Civil War: Dispatches form the American Future, contends that a new American civil war is inevitable. Remember that the United States leads the world — by far — in the number of firearms in private hands. There are an estimated 393 million privately held firearms in the United States — more than one gun per person. In fact, there are more civilian-held guns in the United States than the other top 25 countries in the world combined. Indeed, more guns were purchased in the United States in 2020 — nearly 23 million — than any other year on record.

Persons: Bruce Hoffman, Jacob Ware, Donald Trump, Biden, … ” Bruce Hoffman Michael Lionstar, Barbara F, Walter, ” Jacob Ware Jacob Ware Accelerationism, Barack Obama, Steven Simon, Jonathan Stevenson, “, ”, Stephen Marche, —, Simon, Stevenson, Bois —, Timothy McVeigh, Richard Haass, ” Haass, ” Robert Miles Organizations: of Foreign Relations, Georgetown University, DeSales University, . Press, CNN, Department of Homeland Security, Oklahoma City, National Security, University of Maryland’s Center for Democracy, Washington Post, University of Maryland, “, Capitol, ”, Survey, Foreign, Irish Republican Army, IRA Locations: America ”, Columbia, Texas, Western, America, Northern Ireland, United States, Switzerland, Northern, Ireland

By hiring an accountant, we'll be able to get the most out of tax season and save for retirement. Short-term capital gains are profits you've made on stock that you've held for one year or less. Long-term capital gains are gains on investments you've held for longer than a year and range from 0% to 20%. What tax rate you'll pay on these gains depends on your taxable income, or what tax bracket you fall into. Little-known tax moves like this are another reason hiring an accountant is worth every penny.

Persons: we'll, —, I've, you've, I'm, Max, doesn't Organizations: Service, IRS

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