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7 Tips for Maximizing Your Social Security Benefits

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Happy middle-aged woman holding documents, working from homeinsta_photos / Shutterstock.com

The average monthly Social Security retirement benefit is $1,976 as of January 2025, and that’s not going to buy you a luxurious retirement. But those monthly checks can certainly make your golden years more comfortable. Deciding when to take Social Security is a complicated piece of retirement planning. Some people opt to start benefits sooner and take smaller checks, while others try to…

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‘Spray and Pray’ Is the New Go-To for Job Seekers (and Employers Are to Blame)

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Young woman looking concerned at her laptopWorranan Junhom / Shutterstock.com

Monster’s latest Job Application Behavior Report found that 48% of job seekers say they frequently or regularly apply to many roles quickly rather than focusing on a smaller number of opportunities that closely match their skills. But this isn’t just a numbers game driven by impatience. The job application statistics from this report reveal deeper trends shaping how people search for work and…

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5 Ways Inflation and Taxes Are Quietly Cutting a $250,000 Retirement in Half

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In 45 years in personal finance — as a CPA, a Wall Street investment advisor, and a two-time Emmy-winning financial journalist — I’ve seen thousands of retirement portfolios, as well as what protected them, what didn’t, and what most financial advisors consistently fail to discuss with clients who are within 10 years of retirement. This article covers five of those risks. None of them are exotic.

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Why an Unfinished Degree Can Help Your Resume (and How to List It)

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You started a degree but didn’t finish it. Now you’re wondering, “Should I include my unfinished degree on my resume or leave it off?” Here’s the good news: An unfinished degree can still work in your favor. Employers care about the skills and knowledge you gained, not just the diploma. The key is knowing how to present your incomplete degree clearly and honestly. In this guide…

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