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Latest — 17 Jul 2025

What Is a Dividend Capture Strategy?

Introduction to Dividend Capture The dividend capture strategy is a short-term trading approach that seeks to "capture" a stock’s dividend by buying shares just before the ex-dividend date and selling them soon after. While long-term investors focus on total return and the power of compounding, dividend capture

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What Is the Mortgage Underwriting Process?

Introduction The mortgage underwriting process is the behind-the-scenes review that determines whether a lender will approve your home loan application. While you may interact mostly with a loan officer or broker, an underwriter is the professional who combs through your finances, evaluates the property, and ultimately decides if the risk

Windfall Management: What to Do If You Get a Large Bonus

Windfall Management: What to Do If You Get a Large Bonus Landing a sizable year-end bonus or unexpected cash infusion can feel exhilarating, and it should. Yet history shows that without a clear strategy, surprise money disappears faster than it arrived. Windfall management is the disciplined process of turning a

Beta vs Standard Deviation: Understanding Risk Metrics for Investors

Introduction When people talk about “risk” in investing, they often throw around statistical terms such as beta and standard deviation. Both numbers try to measure how uncertain future returns may be, yet they answer different questions and rely on different calculations. If you are building or reviewing a portfolio, understanding

How HSA Investing Beats Traditional 401(k) for Some Expenses

Introduction Most employees immediately think of the company 401(k) plan when they hear the words long-term investing. Yet there is another tax-advantaged vehicle that can quietly outshine the traditional 401(k) for certain costs: the Health Savings Account, or HSA. When properly funded and invested, an HSA can provide

What Is a Fiduciary Bond? Understanding the Safety Net for Trust and Estate Administration

Introduction to Fiduciary Bonds If you have ever been named the executor of an estate, a guardian for a minor, or the trustee of a sizable fund, you may have encountered the term “fiduciary bond.” For many people, it raises immediate questions: What is a fiduciary bond, why might a

Financial Goal Setting with the SMART Framework: Turn Dreams into Measurable Wealth

Introduction: Why SMART Financial Goal Setting Matters Financial success seldom happens by accident. Whether you want to eliminate credit-card debt, build an emergency fund, or retire early, clear direction is essential. That direction comes from effective financial goal setting. The SMART framework—an acronym for Specific, Measurable, Achievable, Relevant, and

What Is a Tax Deductible vs Tax Credit?

What Is a Tax Deductible vs Tax Credit? Introduction If you have ever filled out an income-tax return, you have probably encountered two similar-sounding yet very different money-saving tools: the tax deductible and the tax credit. Understanding how each works is critical because they reduce your tax bill in distinct

Holiday Budget Planning: Preventing January Credit-Card Shock

Introduction: Why Holiday Budget Planning Matters Every December, twinkling lights, festive music, and limited-time offers lure many shoppers into swiping their cards a little too freely. The result is the familiar "January credit-card shock"—the moment you open your statement and realize the holidays cost far more than

What Is a Call Option Assignment? A Complete Guide for Traders

Introduction Options trading opens the door to flexible strategies, but it also introduces specialized terminology that can confuse new and even experienced traders. One phrase that often raises eyebrows is “call option assignment.” Understanding what a call option assignment is, how it happens, and what it means for both buyers