, American Opportunity Tax Credit ; Maximum benefit, Up to $2,500 credit per qualifying student ; Refundable?, Partially refundable: 40% up to $1,000 ; Number of years of postsecondary education available, Only if the student hasn’t completed 4 years of postsecondary education before the start of the tax year ; Number of years the benefit is available, 4 tax years per eligible student ; Program requirements, Must be pursuing a degree or other recognized education credential ; Number of courses, Enrolled at least half time for at least one academic period ; Felony drug conviction, Student must have none ; Qualified expenses, Tuition, required enrollment fees, and course materials
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Key takeaways ; According to the US Bureau of Labor Statistics (BLS), American workers made a median wage of $1,139 per week in the first quarter of 2024, which would add up to $59,228 per year.1 ; Median pay can vary significantly depending on factors like age, sex, location, and education. ; Understanding how your income compares to others' could empower you to make more informed career decisions.
Key takeaways ; "Quiet quitting" isn't actually quitting—it's scaling back at work. It could look like doing the bare minimum or just not going above and beyond. ; Some people quiet quit in response to feeling overworked and burnt out. ; Setting priorities and establishing healthy boundaries are likely more effective than quiet quitting.
Ticker, ETF, ETF Database Category, Expense Ratio ; IPAY, Amplify Mobile Payments ETF, Technology Equities, 0.75% ; TGLR, LAFFER TENGLER Equity Income ETF, N/A, 0.95% ; DJIA, Global X Dow 30 Covered Call ETF, Volatility Hedged Equity, 0.60%
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Key takeaways ; Money troubles can cause stress—and vice versa. ; That stress can lead to spending on things you don't need. ; Taking the time to reflect on your choices and how you feel before you buy things can lead to better financial and mental wellness.
Related Insights ; The Business Cycle Approach to Equity Sector Investing ; The Business Cycle Approach to Asset Allocation ; Asset Allocation Research Team (AART)
2023 was nothing if not a year of surprises. After being practically left for dead a year ago, mega-cap tech stocks came roaring back to life—surging to double-digit gains and carrying major indexes like the S&P 500® with them. The American consumer stood strong and kept spending in the face of high inflation and high interest rates—driving surprisingly impressive gains among consumer discretionary stocks. And meanwhile, that long-awaited recession still failed to materialize, leading to unforeseen weakness among defensive sectors like con ...
Key takeaways ; Tax policy is a top concern for Americans as well as the candidates this election season. ; Front and center is whether to extend key provisions from the 2017 Tax Cuts and Jobs Act that expire at the end of 2025. ; Changes to the top income tax rate, the estate tax exemption, and capital gains rates are possible.