1. Featured Articles

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    1. 3 Major Marketing Trends to Look Out for in 2019

      3 Major Marketing Trends to Look Out for in 2019

      Over the last two years, we have seen some subtle shifts in customer reaction towards conventional digital marketing. For instance, the increasing use of ad blockers by many, especially millennials in the U.S., indicates that conventional ads are no longer as popular as they were in 2016.

      With a little study of marketing in 2018 and of creative companies that did well for themselves last year, I have come up with a few trends that we should all expect more of in the new year. This is in no way exhaustive, but it’s worth the read.

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    2. Retailers are getting slammed after reporting holiday sales. Here's why | Markets Insider

      • Shares of retailers fell on Thursday after Target, Kohl's, and Macy's reported holiday sales guidance. Nordstrom shares plunged 8% in sympathy, and Best Buy fell 3%.
      • Macy's led the group to the downside, with an 18% drop. The company lowered its sales and earnings guidance after a weak holiday period.
      • The XRT, a popular retail-tracking ETF, fell 2%.
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      Mentions: Macy Nordstrom
    3. Cancer Deaths Fall for 25th Straight Year

      Cancer Deaths Fall for 25th Straight Year

      Between 1991 and 2016, deaths from cancer dropped 27 percent. In real numbers, that's almost 2.6 million fewer cancer deaths, according to the American Cancer Society.

      "The decline in deaths is largely driven by reductions in smoking and improved treatment, as well as earlier detection for some cancers," said lead researcher Rebecca Siegel, scientific director of surveillance research at the cancer society.

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    4. A Retiree's Guide to Key Dates in 2019

      A Retiree's Guide to Key Dates in 2019

      When ringing in a new year, many people resolve to be better organized or improve how they manage their finances. "On January 1st, you should be waking up thinking, 'What is my overall game plan for this year?' " We suggests developing a road map for this year's financial journey. After all, the start of a new year is a great time to assess your financial situation and make plans to improve it.

      To make that easier, this calendar highlights the critical dates that are pertinent to preretirees and retirees for 2019, covering categories such as taxes and health care. Miss a deadline, and it could sock your finances. So print out these pages and post them on your fridge, or set reminders on an online calendar to avoid forgetting a crucial deadline.

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    5. 10 Retirement Resolutions For 2019

      10 Retirement Resolutions For 2019

      If you're planning to make New Year's resolutions for 2019, there's a good chance at least one of them will be related to your finances. Money management issues like big credit card bills or a small savings account balance may be more top of mind on a day-to-day basis, but the beginning of a new year is a great time to tackle more long-term goals like retirement. Here are some retirement-related action steps to consider resolving to do next year: 1) Contribute to a Roth IRA.

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    6. If you’re making New Year’s resolutions, here’s one for the

      If you’re making New Year’s resolutions, here’s one for the

      If you’re making New Year’s resolutions, here’s one for the top of your list: I won’t complain about a surprise tax bill or lower refund if I neglected to check my withholding. The 2017 tax overhaul made major changes to the code, such as limiting the deduction for state and local taxes and greatly expanding the tax credit for children under 17. The Treasury Department required employers and pension payers to lower withholding for 2018.

      The IRS recently warned that the number of filers who owe tax or penalties for 2018 is likely to be larger than in recent years, adding that “many of them are likely to be people who have always gotten refunds.”

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    7. What Foods Are Banned in Europe but Not Banned in the U.S.?

      What Foods Are Banned in Europe but Not Banned in the U.S.?

      The European Union prohibits or severely restricts many food additives that have been linked to cancer that are still used in American-made bread, cookies, soft drinks and other processed foods. Europe also bars the use of several drugs that are used in farm animals in the United States, and many European countries limit the cultivation and import of genetically modified foods.

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    8. 9 Things to Do When You Want to Quit Your Job But Really Shouldn't

      9 Things to Do When You Want to Quit Your Job But Really Shouldn't

      Fantasizing about quitting your job and filling your boss's office with sea cucumbers and dead fish? Consider a different approach.

      Sometimes you have to rage-quit your job (we totally get it), but instead of living out the fantasy you’ve been playing over and over in your head of filling your boss’s office with sea cucumbers and dead fish, consider a different approach.

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    9. The Difference Between Being Productive and Being Busy

      The Difference Between Being Productive and Being Busy
      1. The more you accomplish, the better you will feel about yourself. Tracy stresses that, instead of worrying about how big or small the task is, instead, put your mind to finishing the task itself. Tracy mentions that every time you knock off something off your to-do list, your brain is sent a shot of dopamine, making you feel fulfilled.
      2. When you have something to look forward to, you wil feel more excited to jump out of bed. Moreover, when you have a solid goal to work towards, your mindset will automatically feel more centered and prepared to take on the day. 
      3. Clean up clutter. When there is simply too much stuff crowding your living space, the stress just automatically follows. 
      4. Exercise. The act of exercising is an automatic mood-booster.
      5. Find something to do at all times. When you are occupied with some project or task, you are less likely to ...
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      Mentions: Apple Branding
    10. Fed plans to keep investors guessing in 2019 with shift to more frequent rate-setting meetings - CNN

      Fed plans to keep investors guessing in 2019 with shift to more frequent rate-setting meetings - CNN

      Jerome Powell, chairman of the Federal Reserve, is switching up the central bank's playbook in 2019, trading a steady pattern of quarterly rate hikes for a more unpredictable approach.

      Starting in the new year, bankers will consider rate changes at each meeting, rather than just quarterly, doubling the number of potential changes from four to eight — though Powell told reporters on Wednesday that he anticipates only two rate hikes in the coming year.

      Read Full Article
      Mentions: Federal Reserve
    11. Social Security: Why Claiming Early Could Be All the Rage Next Decade

      Social Security: Why Claiming Early Could Be All the Rage Next Decade

      Whether you realize it or not, you're probably going to be reliant on Social Security for a portion of your retirement income. According to data from the Social Security Administration (SSA), 62% of current retirees lean on the program for at least half of their income, with just over a third reliant on Social Security for virtually all (90%-plus) of their income.

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    12. How to Achieve 'Zero' Burnout: Build a business and a Life That Won't Kill You

      How to Achieve 'Zero' Burnout: Build a business and a Life That Won't Kill You

      Brian Moran's book about 'doing more in three months than others do in a year' is a great starting point, this contributor says.

      We entrepreneurs are a passionate bunch, but that passion can be a double-edged sword. Wielded skillfully and with the right mindset, passion can sustain you and your business, to be sure.

      But let it run amok and your business and life will suffer.

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    13. California sets new post-Wayfair sales tax rules

      California sets new post-Wayfair sales tax rules

      In a much-anticipated move, the California Department of Tax and Fee Administration announced last week that out-of-state retailers who sell above certain thresholds will have to start collecting California use taxes on their sales into the state, starting April 1, 2019.

      Since the landmark Supreme Court decision in South Dakota v. Wayfair last finding that out-of-state retailers can be required to collect sales tax, states have been scrambling to come up with new sales tax regimes. California is one of the first big states to announce its policy; other large states like Texas, New York and Florida have yet to weigh in.

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    14. Early-Stage Melanoma Treatment Options

      Your doctor says that your skin biopsy came back positive for melanoma, the most aggressive form of skin cancer. Fortunately, it was caught at an early stage melanoma (0, I, or II), so your prognosis is good. But what's next? What are your treatment options? Here is an overview of what to expect.


      If you have heard a description of your melanoma but are uncertain of the stage, learn about the staging of melanoma. If your melanoma is instead a stage II or stage IV (metastatic) melanoma, learn about the treatment options for advanced stage melanoma.

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    15. Pros and Cons of Lymph Node Dissection for Melanoma

      There are numerous pros and cons of lymph node dissection for treating melanoma.

      When melanoma is on the skin, it can be effectively and permanently removed in most cases. Sometimes, however, it spreads (metastasizes) to other areas of the body, usually traveling first to the nearest lymph nodes in your armpit, neck, or groin. If your doctor suspects that this has happened, a test called a sentinel node biopsy will be performed to identify and remove the lymph node to which the cancer is likely to have spread from the primary tumor.

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      Mentions: Cancer tumor melanoma
    16. IRS phone scam: What to do if you get a scam call from the 'IRS'

      IRS phone scam: What to do if you get a scam call from the 'IRS'

      The IRS isn't exactly modern.
      If it needs to get in touch with a taxpayer, it sends a letter— not an email, not a phone call, and definitely not a message over social media. Especially in cases of tax fraud.
      So when I got a voicemail admonishing me for supposed issues with the tax return I filed this year, I knew it had to be the latest IRS phone scam.

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    17. Stocks struggle ahead of Trump-Xi meeting at G-20

      Stocks struggle ahead of Trump-Xi meeting at G-20

      U.S. stocks slipped Friday as investors gauged prospects for a positive outcome from the planned meeting between President Trump and Chinese President Xi Jinping at the G-20.
      The Saturday dinner meeting on the sidelines of the G-20 summit in Argentina is expected to focus on tariffs being placed by Trump on Chinese goods. Such tariffs are blamed for higher prices on consumer goods for Americans.

      Read Full Article
      Mentions: Argentina
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