Regal Bay Investment Group LLC

Teens Need Real Jobs, Not Elite Internships Working in a restaurant or store is a master class in managing unreasonable demands and fickle desires, which is great to learn while young

Welcome to a new era of work: The portfolio career There's a new way to think about your livelihood: Building a "portfolio career." The term refers to a collection of gigs, whether or not you keep a 9-to-5 job. Flexibility could be a pro in this kind of career, but loneliness could be a downside.

Most Important Letter This Year? Your Part D Annual Notice Of Changes This year's Medicare Open Enrollment is set to be one of the most important ones ever. It starts with your Part D Annual Notice of Changes.

Rich Americans Prep Fail-Safe Estate Plans Ahead of Election With the presidential race in a dead heat, wealthy Americans are calling estate lawyers.

Leadership Lessons Via The Tragically Hip: No Dress Rehearsal Authentic leadership thrives not on power or profits but on relationships, respect, and a shared sense of purpose—qualities that define Canadian rock legends The Tragically Hip.

The NFL Is Back—and It’s Never Cost More to Watch Being a football nut in 2024 means having to shell out for a bevy of streaming platforms that until recently have never had exclusive rights to games.

The State of America’s Wallet How the cards, cash, debts and assets that we carry stack up.

Three ways to manage surging pet care costs Here are some tips to keep your finances – along with Fluffy or Fido – healthy.

U.S. Incomes Climbed Last Year, Census Bureau Says Household incomes rose 4% from 2022 to 2023, the first rise since the start of the Covid-19 pandemic.

How I'm Talking To My Clients About Life Insurance Over 50% of consumers worry their life insurance won’t be enough to protect their loved ones, yet the percentage of people applying for coverage has decreased in recent years. When asked what’s keeping them from applying, a (perceived) lack of affordable options and uncertainty of how much to bu...

Understanding 401(k) hardship withdrawal: Rules and consequences A 401(k) hardship withdrawal is a penalty-free way to withdraw funds from your retirement account. The IRS permits hardship withdrawal for an "immediate and heavy financial need." A 401(k) hardship withdrawal still hinders your savings' growth potential with tax implications.

Companies’ AI Bets Are Reaching Astronomical Heights. Why the C-Suite Likes Its Odds Anyway. The costs of adopting artificial intelligence are soaring, but so are some executives’ expectations.

A ‘Life Review’ Can Be Powerful, at Any Age Reflecting on the past, through writing or conversation, can help us better appreciate where we are — and where we’re going.

Student Loan Leniency Is Ending Soon. Here’s What You Need to Know After a one-year grace period, borrowers will be penalized for missing their payments starting in October.

‘She Didn’t Seem Right Yet’: The Deadly Threat to New Mothers Preeclampsia, marked by a sudden increase in blood pressure, is on the rise in the U.S. Yet there’s little research about the life-threatening disorder.

This Coming Change Could Unlock the U.S. Housing Market A majority of homeowners are paying interest on their mortgages at rates below 6%.

How Trying To Get Rich Can Keep You From Becoming Wealthy Someone who is rich can buy what they want, when they want, with their available resources. A wealthy person, in contrast, is financially independent.

Barron's Daily: Market Reaction to Nvidia Earnings Is Healthy. What It Says About AI Boom and 5 Other Things to Know Today. A briefing on what you need to know for markets in the days ahead, including exclusive commentary from Barron's and MarketWatch writers.

How Do You Get That Stain Out? It Depends on Where You Live Appliance makers come up with hyperspecific settings that can leave users baffled. ‘Is there really a setting for chocolate on my washing machine?’

Success Isn't Linear — 5 Tips to Overcome Obstacles and Find Your Winning Strategy The game of business requires a serious and thoughtful approach. Read on to learn five key ways to meet the biggest challenges you'll face as a leader.

35 Trillion Reasons Harris and Trump Should Talk About the U.S. National Debt I'm feeling nostalgic for the fiscal mudslinging of 30 years ago. There was an earnestness to the half-truths, and compared with now, the numbers were downright adorable.

Here to Help: Four Things You Do That Keep Dentists in Business There are probably a few things you’re doing — some that you might even think are harmless — that can land you in a dentist’s chair. I asked experts to share some of the habits that can cause a surprising amount of damage to your teeth. Here’s what they had to say.

Here’s How Much Money Americans Think They Need to Be Rich In Schwab’s annual survey, respondents say it takes $2.5 million to be considered wealthy, $300,000 more than last year. Not surprisingly, respondents with a financial plan gave themselves higher marks on their savings and investment rates, their financial literacy, and retirement readiness.

What's Smarter Right Now—Short-Term or Long-Term CDs? With CD rates drifting down from historic highs in anticipation of Fed rate cuts, it's a good time to lock in one of today's top returns before they move lower. But what CD term should you choose? It depends on when you’ll need the money and where you think U.S. interest rates are headed.

Populations are declining — how can investors make the most of it? An ageing, shrinking population will add to pressure on wages and pensions — but there are opportunities.

Americans Say It Takes $2.5 Million to Be Considered Wealthy A new Charles Schwab survey found a 14% increase from last year in how much money people think it takes to be rich.

Why you shouldn't worry about the job market and a recession just yet The unemployment rate has risen to 4.3%, the highest level in nearly three years. But this doesn't mean the US is destined for mass unemployment and a recession. Americans are working at the highest rate in decades, and layoff levels remain low.

Dying Rich Is A Bad Plan Dying with too much money is a bad plan. Learn how to spend and gift more to benefit yourself, your family, and your favorite charities.

So You’ve Made An Impact Investment: How To Know It’s Performing There’s an immediate satisfaction that comes when you invest with purpose, knowing that your money is going toward advancing a cause or supporting an underrepresented community. The question that eventually emerges, however, is: "Will that impact actually happen?" Here's how you can measure progre...

What Younger Generations Need To Know About Social Security, Medicare Misunderstandings about the solvency of Social Security and Medicare adversely affect the retirement planning of younger generations.