From post-tax percentages to tip creep, the real cost of tipping is adding up fast ...
Recent research supports moving away from rigid withdrawal rates. Morningstar’s December 2025 analysis recommends a 3.9% starting safe withdrawal rate for new retirees with a 30-year horizon—not 4%.
Daily Freeman on MSN
What's happening in the Mid-Hudson Valley: Feb. 4, 2026
“Black Excellence”: An art exhibition titled “Black Excellence: A Legacy in Color,” will open Wednesday, Feb. 4, at the Muroff-Kotler Visual Arts Gallery at SUNY Ulster, 491 Cottekill Road, Stone ...
SB Nation on MSN
Gonzaga Looks to Dictate Terms in Road Trip to Portland
The Zags head to the Rose City looking to control tempo, test lineups, and keep key pieces fresh.
The recently enacted High Seas Treaty offers an opportunity to protect the ocean like never before.
The James Webb Space Telescope (JWST) is a flagship space observatory with a price tag big enough to spark debates—and confusing enough that two people can ...
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