2022 Personal Finance Trends-References

2022 Personal Finance Trends-References

• 1.
  2022 Personal FinanceYear in Review Resource List Inflation Consumer price index (2022). Washington, DC. Bureau of Labor Statistics. https://www.bls.gov/cpi/ Inflation takes a toll on workers (2022). Center for Retirement Research at Boston College. https://squaredawayblog.bc.edu/squared-away/inflation-takes-a-toll-on-workers/ Patterson, S. (2022, March 8). Gasoline prices climb above $4 a gallon. The Wall Street Journal. https://www.wsj.com/articles/the-surge-in-gas-prices-isnt-slowing-down-11646627663 Harrison, D. (2022, May 7-8). Inflation eclipses strong wage gains. The Wall Street Journal. https://www.wsj.com/articles/inflation-eclipses-aprils-historically-strong-wage-gains-11651854549 Ardel-Baqui, O. & Singh, H. (2002, June 13). No relief in sight as gas tops $5 a gallon. The Wall Street Journal. https://www.wsj.com/articles/gasoline-prices-reach-5-a-gallon-nationwide-for-the-first-time- 11654910506 McCorvey, J.J., Kelse, A. & Whitton, B. (2022, July 16-17). Up, up, up. The Wall Street Journal. B1, B4. Torchinsky, R. (2022, August 20-21). Child-rearing expenses soar amid inflation. The Wall Street Journal, A3. Blunt, K. & Hiller, J. (2022, Sept. 19). Electric bills rise nationwide as natural-gas prices climb. The Wall Street Journal. https://www.wsj.com/articles/electric-bills-soar-across-the-country-as-winter-looms- 11663493404 Ip, G. (2022. Sept. 28). Markets now brace for a hard landing. The Wall Street Journal. https://www.wsj.com/articles/markets-brace-for-hard-landing-as-fed-delivers-sobering-message- 11663816181 Guilford, G. (2022, Oct. 14). Core inflation revs to a new high. The Wall Street Journal. https://www.wsj.com/articles/us-inflation-september-2022-consumer-price-index-11665628037 Who’s to blame for inflation? (2002, June 14). Money Scoop (subscription news service) Guilford, G. & Timiraos, N. (2022, Nov. 11). Easing inflation fuels stock surge. The Wall Street Journal, A1, A8. https://www.wsj.com/articles/global-stocks-markets-dow-update-11-11-2022-11668166964 Interest Rates Federal Reserve issues FOMC statement (2022, Sept. 21). Washington, DC. Board of Governors of the Federal Reserve System. https://www.federalreserve.gov/newsevents/pressreleases/monetary20220921a.htm Federal Open Market Committee meeting calendars, statements, and minutes (2022). Washington, DC. Board of Governors of the Federal Reserve System. https://www.federalreserve.gov/monetarypolicy/fomccalendars.htm Timiraos, N. (2022, June 16). Fed lifts rates by most since ’94. The Wall Street Journal. https://www.wsj.com/articles/fed-raises-rates-by-0-75-percentage-point-largest-increase-since-1994- 11655316170
• 2.
  Timiraos, N. (2022,July 28). Fed lifts rates by 0.75 point again. The Wall Street Journal. https://www.wsj.com/articles/fed-raises-interest-rates-by-0-75-percentage-point-11658944935 Timiraos, N. (2022, Sept. 22). Fed lifts rate, signals more, sinking stocks. The Wall Street Journal. https://www.wsj.com/articles/fed-raises-interest-rates-by-0-75-percentage-point-for-third-straight- meeting-11663783397 Timiraos, N. (2022, Oct. 13). Persistent high inflation worried Fed. The Wall Street Journal. https://www.wsj.com/articles/fed-minutes-show-concerns-of-more-persistent-high-inflation-11665597721 Torry, H. (2022, July 29). GDP drop stokes recession fears. The Wall Street Journal. https://www.wsj.com/articles/us-q2-gdp-growth-economy-11658981184 Timiraos, N. (2022, Nov. 3). Fed lifts rates, signals “ways to go.” The Wall Street Journal, A1, A2. Carpenter, J. (2022, Nov. 3). How Fed rate rises affect you. The Wall Street Journal. https://www.wsj.com/articles/what-the-feds-rate-increases-mean-for-your-financial-plans-11667347555 Savings Personal savings rate (2022). Washington, DC: U.S. Bureau of Economic Analysis: https://fred.stlouisfed.org/series/PSAVERT Vozza, S. (2022, Sept. 30). Average bank interest rates: checking, savings, and money market. Value Penguin. https://www.valuepenguin.com/banking/average-bank-interest-rates Lahart, J. (2022, June 24). Americans’ cash hoard could cushion a downturn. The Wall Street Journal. https://www.wsj.com/articles/americas-cash-hoard-could-cushion-a-downturn-11655991031 Ensign, R.L.& McCaffery, O. (2022, July 6). Americans begin to draw down pandemic-era savings. The Wall Street Journal. https://www.wsj.com/articles/americans-tap-pandemic-savings-to-cope-with- inflation-11657013400 Pinsker, J. (2022, Oct. 4). Why higher interest rates aren’t reaching your savings account. The Wall Street Journal. https://www.wsj.com/articles/why-interest-rates-are-rising-everywhereexcept-your-savings-account- 11664737431 What is the average interest rate for savings accounts? (2022, Nov. 10). Bankrate: https://www.bankrate.com/banking/savings/average-savings-interest-rates/ Housing Mortgage rates and affordability (2022). Freddie Mac. https://myhome.freddiemac.com/buying/mortgage-rates Friedman, N. (2022, Feb. 8). Middle class gets priced out of homes. The Wall Street Journal. https://www.wsj.com/articles/in-covid-19-housing-market-the-middle-class-is-getting-priced-out- 11644246000 McCaffrey, O. (2022, May 3). Home buyers battle rising loan rates. The Wall Street Journal. https://www.wsj.com/articles/home-buyers-are-finding-ways-to-take-the-sting-out-of-rising-mortgage- rates-11651445773 McCaffrey, O. (2022, May 11). Mortgage refi boom runs out of steam. The Wall Street Journal. https://www.wsj.com/articles/the-mortgage-refi-boom-is-running-out-11652206979
• 3.
  McCaffrey, O. (2022,June16). Home Equity Hits Record $27.8 trillion. The Wall Street Journal. https://www.wsj.com/articles/u-s-home-equity-hits-highest-level-on-record-27-8-trillion-11655250769 Parker, W. (2022, June 28). Tight housing market ignites hot bidding wars for rentals. The Wall Street Journal, A1, A2. Friedman, N. (2022, Sept. 23). Home sellers are scarce as rates rise. The Wall Street Journal. https://www.wsj.com/articles/after-years-of-low-mortgage-rates-home-sellers-are-scarce-11663810759 Friedman, N. (2022, Aug. 13-14). Home affordability is worst since ’89. The Wall Street Journal. https://www.wsj.com/articles/u-s-housing-affordability-in-june-was-the-worst-since-1989-11660312801 Eisen, B. (2022, Oct. 14). Mortgage rates hit 6.92%, highest in decades. The Wall Street Journal. https://www.wsj.com/articles/mortgage-rates-hit-6-92-a-20-year-high-11665669624 Friedman, N. (2022, Oct. 22-23). Climbing interest rates crimp U.S. home sales. The Wall Street Journal. https://www.wsj.com/articles/existing-home-sales-prices-mortgage-rates-housing-market-august-2022- 11663711368 Olick, D. (2022, Oct. 20). Existing home sales fall to a 10-year low in September, as mortgage rates soar. CNBC. https://www.cnbc.com/2022/10/20/existing-home-sales-fall-to-a-10-year-low-in-september.html Parker, W. (2002, Oct. 26). Apartment demand cools after sharp increase in rents. The Wall Street Journal, A1, A2. https://www.wsj.com/articles/inflation-driven-record-rents-mean-more-people-are- piling-in-with-roommates-11666671826 Kane, L. & Gopal, P. (2002, Oct. 27). U.S. Mortgage rates soar past 7% for first time in two decades. Bloomberg. https://www.bloomberg.com/news/articles/2022-10-27/us-mortgage-rates-soar-past-7-for- first-time-in-two-decades Friedman, N. (2022, Nov. 19-20). Home sales decline again as mortgage-rate rise stings. The Wall Street Journal, A3. https://www.wsj.com/articles/home-price-growth-slows-under-tide-of-rising-mortgage-rates- 11668081602 Taxes Required minimum distributions for IRA beneficiaries (2022). Internal Revenue Service. https://www.irs.gov/retirement-plans/required-minimum-distributions-for-ira-beneficiaries News releases for current month (2022). Internal Revenue Service. https://www.irs.gov/newsroom/news- releases-for-current-month Retirement topics- contributions (2022). ). Internal Revenue Service. https://www.irs.gov/retirement- plans/plan-participant-employee/retirement-topics-contributions 2022 filing season statistics (2022). Internal Revenue Service: https://www.irs.gov/newsroom/filing- season-statistics-for-week-ending-may-20-2022# Lenkowsky, L. (2022, Jan. 29-30). If you got the child tax credit in 2021, you may pay in 2022. The Wall Street Journal. https://www.wsj.com/articles/if-you-got-the-child-tax-credit-in-2021-you-may-pay-in- 2022-income-payments-payouts-11643407166 Rubin, R. (2022, May 10). IRS pays billions on delayed refunds. The Wall Street Journal. https://www.wsj.com/articles/irs-has-millions-of-delayed-tax-returns-and-is-paying-billions-in-interest-to- those-waiting-11652088780
• 4.
  Rubin, R. (2022,Sept. 28). IRS erred on child tax credit payments. The Wall Street Journal. https://www.wsj.com/articles/irs-failed-to-send-child-tax-credit-payments-to-millions-of-households- report-finds-11664297689 DeAvila, J. & Azu, L. (2022, Oct. 16). States push sales-tax holidays as prices rise. The Wall Street Journal. https://www.wsj.com/articles/states-expand-sales-tax-holidays-as-americans-feel-price- increases-11660665428 Ebeling, A. (2022, Aug. 23). How to navigate EV tax credits. The Wall Street Journal. https://www.wsj.com/articles/navigating-the-new-electric-vehicle-tax-credits-to-get-more-money-back- 11661105490 Ebeling, A. (2022, Oct. 10). IRS delays new guidelines for some inherited IRAs until 2023. The Wall Street Journal. https://www.wsj.com/articles/irs-delays-new-guidelines-for-inherited-iras-11665182415 Credit CFPB estimates $88 billion in medical bills on credit reports. Washington, DC: Consumer Financial Protection Bureau. https://www.consumerfinance.gov/about-us/newsroom/cfpb-estimates-88-billion-in- medical-bills-on-credit-reports/ Andriotis, A. (2022, April 30-May 1). Personal loans make a comeback. The Wall Street Journal. https://www.wsj.com/articles/personal-loans-are-back-after-an-early-pandemic-slump-11651188766 Andriotis, A. (2022, May 20). Subprime borrowers struggle with car loans, credit cards. The Wall Street Journal. https://www.wsj.com/articles/more-subprime-borrowers-are-missing-loan-payments- 11652952602 Kelce, A. (2022, July 12). Credit reports remove some old medical debt. The Wall Street Journal. https://www.wsj.com/articles/about-70-of-medical-debt-is-being-wiped-off-credit-reports-what-that- means-for-you-11657537200 Ackerman, A. & Andriotis, A. (2022, Aug. 3). Equifax sent lenders wrong credit scores. The Wall Street Journal. https://www.wsj.com/articles/equifax-sent-lenders-inaccurate-credit-scores-on-millions-of- consumers-11659467483 Carpenter, J. (2022, August 10). How to deal with fallout from Equifax score error. The Wall Street Journal. https://www.wsj.com/articles/worried-about-your-equifax-credit-score-heres-what-to-do- 11660010492 Andriotis, A. (2022, Oct. 29). Card debt rebounds to 2019 levels. The Wall Street Journal. https://www.wsj.com/articles/credit-card-debt-returns-to-levels-before-covid-19-pandemic-11666928540 Student Loans Public service loan forgiveness (2022). Washington, DC: Federal Student Aid. https://studentaid.gov/manage-loans/forgiveness-cancellation/public-service Biden-Harris Administration Announces Final Student Loan Pause Extension Through December 31 and Targeted Debt Cancellation to Smooth Transition to Repayment (2022). Washington, DC: U.S. Department of Education. https://www.ed.gov/news/press-releases/biden-harris-administration- announces-final-student-loan-pause-extension-through-december-31-and-targeted-debt-cancellation- smooth-transition-repayment
• 5.
  Rubin, G.T. &Restuccia, A. (2022, April 7). Student borrowers get fresh extension. The Wall Street Journal, A3. Restuccia, A. & Rubin, G.T. (2022, October 18). Student loan relief portal is now open. The Wall Street Journal. https://www.wsj.com/articles/biden-administration-launches-application-portal-for-student-loan- forgiveness-11666037285 Student-loan forgiveness plan on hold: How the lawsuits affect you (October 25, 2022). The Wall Street Journal. https://www.wsj.com/podcasts/your-money-matters/student-loan-forgiveness-plan-on-hold-how- the-lawsuits-affect-you/7734dd11-14ab-4737-80be-8e2a990dfabe Rubin, G.T. (2022, Nov. 12-13). Biden’s student-loan relief faces mounting legal hurdles. The Wall Street Journal. https://www.wsj.com/articles/biden-administrations-student-loan-relief-faces-mounting-legal- hurdles-11668195178 Cars Kelly, R., Kulka, C., & Vasan, A. (2022, February 24). Rising car prices means more auto loan debt. Washington, DC: Consumer Financial Protection Bureau. https://www.consumerfinance.gov/about- us/blog/rising-car-prices-means-more-auto-loan-debt/ Eckert, N. (2022, Feb 12-13). Used-car prices surge past original value of some models. The Wall Street Journal. https://www.wsj.com/articles/why-the-car-in-your-garage-may-be-gaining-value-11644575402 Felton, R. (2022, May 16). Soaring prices for used cars start to ease. The Wall Street Journal. https://www.wsj.com/articles/used-car-buyers-are-seeing-relief-on-once-soaring-prices-11652529601 Colias, M. & Eckert, N. (2022, Feb. 26-27). The new sticker shock. The Wall Street Journal. https://www.wsj.com/articles/a-new-brand-of-sticker-shock-hits-the-car-market-11645851648 Eckert, N. & Rogers, C. (2022, March 14). Buyers struggle to find fuel-efficient car options. The Wall Street Journal. https://www.wsj.com/articles/as-gas-prices-soar-buyers-find-fewer-fuel-efficient-car- options-11647163804 Eckert, N. (2022, March 25). Car buyers lease fewer vehicles. The Wall Street Journal. https://www.wsj.com/articles/car-buyers-shun-leases-as-deals-and-vehicles-dwindle-11648154831 Cronin, B. (2022, July 2). Monthly car payments have crossed a record $700. What that means. NPR. https://www.npr.org/2022/07/02/1109105779/monthly-car-payments-record-700 Eckert, N. (2022, May 24). Average age of vehicles on road rises to record. The Wall Street Journal. https://www.wsj.com/articles/the-average-age-of-vehicles-on-u-s-roadways-hits-a-record-12-2-years-11653303602 Andriotis, A. (2022, July 1). Higher prices, rates boost car-loan costs. The Wall Street Journal. https://www.wsj.com/articles/the-1-000-car-loan-payment-higher-prices-interest-rates-push-up-monthly- costs-11657364580 Tucker, S. (2022, Nov. 9). New car prices nearing all-time high again. Kelley Blue Book: https://www.kbb.com/car-news/new-car-prices-nearing-all-time-high-again/ Shopping CFPB study details the rapid growth of “Buy Now, Pay Later” lending. (2022, Sept. 15). Washington, DC: Consumer Financial Protection Bureau. https://www.consumerfinance.gov/about-us/newsroom/cfpb- study-details-the-rapid-growth-of-buy-now-pay-later-lending/
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  Pohle, A. (2022,Feb. 9). Buy-now, pay-later travel is booming. The Wall Street Journal. https://www.wsj.com/articles/buy-now-pay-later-travel-11644269159 Gasparro, A. & Kang, J. (2002, May 13). Formula shortage to linger for months. The Wall Street Journal. https://www.wsj.com/articles/baby-formula-shortage-could-last-months-11652371827 Wolfe, R. & Terlep, S. (2022, May 5). Americans spend, travel and shop like it’s 2019. The Wall Street Journal. https://www.wsj.com/articles/american-consumers-travel-gyms-shopping-11651673590 Kang, J. & Gasparro, A. (2022, June 13). Food prices keep going up as costs surge. The Wall Street Journal. https://www.wsj.com/articles/food-prices-to-keep-going-up-as-costs-surge-11654939800 Andriotis, A. (2022, June 25-26). Refunds are tricky when paying later. The Wall Street Journal. https://www.wsj.com/articles/shopping-with-buy-now-pay-later-is-easy-getting-a-refund-is-harder-11656051506 Andriotis, A. (2022, Oct. 14). Pay-later programs left out of credit reports. The Wall Street Journal. https://www.wsj.com/articles/buy-now-pay-later-is-still-a-credit-score-blind-spot-11665633039 Insurance Measuring price change in the CPI: Motor vehicle insurance. Washington, DC: U.S. Bureau of Labor Statistics. https://www.bls.gov/cpi/factsheets/motor-vehicle-insurance.htm Scism, L. (2022, Feb. 10). Car insurers rush to raise premiums. The Wall Street Journal. https://www.wsj.com/articles/car-insurers-rush-to-raise-rates-as-inflation-takes-a-toll-11644415201 Scism, L. (2022, March 16). Life-insurance sales rise on Covid fears. The Wall Street Journal. https://www.wsj.com/articles/u-s-life-insurance-sales-spike-on-covid-19-fears-11647347494 Fontana, F. (2022, April 4). Thanks to the pandemic, more young adults buy life insurance- if they can get it. The Wall Street Journal. https://www.wsj.com/articles/young-adults-life-insurance-11648844790 Scism, L. (2022, May 31). Car-insurance bills are on the rise. The Wall Street Journal. https://www.wsj.com/articles/car-insurance-bills-are-rising-with-more-increases-to-come-11653730381 Ermey, R. (2022, Oct. 6). The 10 states where home insurance rates are rising the fastest- and none are New York or California. CNBC. https://www.cnbc.com/2022/10/06/states-where-home-insurance-rates- are-rising-fastest.html Bishop, L. (2022, Oct. 7). Average cost of renters insurance. Value Penguin. https://www.valuepenguin.com/average-cost-renters-insurance Employment and Jobs The employment situation-September 2022 (2022, Oct. 7). Washington, DC: Bureau of Labor Statistics. https://www.bls.gov/news.release/pdf/empsit.pdf Civilian labor force participation rate (2022). Washington, DC: Bureau of Labor Statistics. https://www.bls.gov/charts/employment-situation/civilian-labor-force-participation-rate.htm Mena, B. (2022, May 3). U.S. job openings, quits reached records in March. The Wall Street Journal. https://www.wsj.com/articles/job-openings-us-growth-labor-market-turnover-march-2022-11651529531 Harter, J. (2022, Sept. 6). Is quiet quitting real? Gallup. https://www.gallup.com/workplace/398306/quiet- quitting-real.aspx
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  Goldstein, D. (2022,Oct. 13). Why you can’t find child care: 100,000 workers are missing. The New York Times. https://www.nytimes.com/2022/10/13/us/child-care-worker-shortage.html Lahart, J. (2022, March 5-6). The job market is getting even tighter. The Wall Street Journal. https://www.wsj.com/articles/job-market-looks-even-tighter-as-covid-19-recedes-11646414426 Cambon, S.C. (2022, Sept. 30). Companies keep hiring despite slowing economy. The Wall Street Journal. https://www.wsj.com/articles/labor-market-layoffs-inflation-recession-11664462809 Fraser, J. (2022, Aug. 4). ‘Permanent shock’ to nursing homes? Facilities fail to replace workers who quit after COVID outbreaks. USA Today. https://www.usatoday.com/story/news/investigations/2022/08/04/nursing-home-jobs-workers-quit-pay- covid-outbreaks/10219487002/ Smith, R.A. (2022, Oct. 11). Pay transparency brings changes to the job hunt. The Wall Street Journal. https://www.wsj.com/articles/salary-ranges-bring-changes-to-the-job-hunt-11665263465 Cutter, C. (2022, Oct. 31). New job postings reveal salary ranges. The Wall Street Journal, A1, A2. https://www.wsj.com/articles/jpmorgan-macys-and-other-companies-reveal-what-they-pay-workers-as- deadline-looms-11667086200 Herrera, S. & Mattioli, D. (2022, Nov. 17). Amazon to start trimming corporate ranks. The Wall Street Journal, B1. https://www.livemint.com/companies/news/amazon-confirms-corporate-staff-cuts-that- could-hit-10-000-employees-11668688177938.html General Investing Investor education (2022, April 15). Washington, DC: U.S. Securities and Exchange Commission. https://www.sec.gov/education/investor-education McCabe, C. (2022, May 16). Investors stay put, lacking choices. The Wall Street Journal. https://www.wsj.com/articles/investors-stay-put-because-they-cant-think-of-better-options-11652616000 Grossman, M. (2022, October 3). Treasuries lure hard-hit investors. The Wall Street Journal, B1, B8. Rabouin, D. (2022, Oct. 13). Inflation bond pays 10% but not for long. The Wall Street Journal. https://www.wsj.com/articles/that-sky-high-i-bond-interest-rate-will-be-coming-down-to-earth- 11665541224 Banerji, G. (2022, May 4). In investor dilemma, stocks and bonds fall in tandem. The Wall Street Journal. https://www.wsj.com/articles/stocks-and-bonds-are-falling-in-lockstep-at-pace-unseen-in-decades-11651551170 Scism, L. (2022, July16-17). Investors pile into fixed annuities. The Wall Street Journal. https://www.wsj.com/articles/investors-pour-cash-into-higher-yielding-fixed-annuities-11657877401 Ensign, R.L, (2022, Oct. 25). Brokered deposit rates hit 4.5%. The Wall Street Journal. https://www.wsj.com/articles/banks-are-offering-4-5-cdsjust-not-to-regular-customers-11666553764 Dagher, V. (2022, Oct 28.). Deadline rush to buy I bonds taxes website. The Wall Street Journal. https://www.wsj.com/articles/as-investors-scramble-to-buy-i-bonds-treasurydirect-site-has-outages- 11666817951 Stocks Securing futures (2022). Washington, DC: U.S. Securities and Exchange Commission. https://www.sec.gov/
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  Investor alerts andbulletins (2022). Washington, DC: U.S. Securities and Exchange Commission. https://www.sec.gov/investor/alerts Ostroff, C. & Vigna, P. (2022, Jan. 4). Dow, S&P start year by hitting records. The Wall Street Journal. https://www.wsj.com/articles/global-stock-markets-dow-update-01-03-2022-11641200978 Banerji, G. & Langley, K. (2022). Investors bolt for safer assets amid turmoil. The Wall Street Journal. https://www.wsj.com/articles/investors-dash-for-shelter-during-ukraine-crisis-market-turmoil-11647218220 Singh, H. & McCabe, C. (2022, April 23-24). Earnings, rate worries hit stocks. The Wall Street Journal, A1, A2. Timiraos, N. (2022, June 14). Markets dive, Fed eyes bigger rise. The Wall Street Journal. A1, A9. Otani, A. (2022, July 1). Markets post worst first half of year in decades. The Wall Street Journal. https://www.wsj.com/articles/markets-head-toward-worst-start-to-a-year-in-decades-11656551051 Banerji, G. & Dulaney, C. (2022, Sept. 24-25). Dow falls to lowest of 2022 in selloff. The Wall Street Journal. https://www.wsj.com/articles/global-stocks-markets-dow-update-09-23-2022-11663930088 Singh, H. & Wallace, J. (2022, Sept. 27). Blue chips slide into bear market. The Wall Street Journal, A1, A2. https://www.wsj.com/articles/global-stocks-markets-dow-update-09-26-2022-11664189614 Otani, A. & Langley, K. Whiplash in stock market shows investors are still on edge. The Wall Street Journal. https://www.wsj.com/articles/whiplash-in-stock-market-shows-investors-are-still-on-edge-11665871144 Moreano, G. (2022, April 21). 5 popular investment trends right now (Q2 2022). Fidelity. https://www.fidelity.com/insights/investing-ideas/popular-investing-trends Cryptocurrency SEC nearly doubles size of enforcement’s crypto assets and cyber unit. Washington, DC: U.S. Securities and Exchange Commission. https://www.sec.gov/news/press-release/2022-78 SEC charges Kim Kardashian for unlawfully touting crypto security. Washington, DC: U.S. Securities and Exchange Commission. https://www.sec.gov/news/press-release/2022-183 Tergesen, A. (2022, April 26). Fidelity to allow bitcoin in 401(k)s. The Wall Street Journal. https://www.wsj.com/articles/fidelity-to-allow-retirement-savers-to-put-bitcoin-in-401-k-accounts- 11650945661 Warnings from the crypto crash (2022, May 13). Warnings from the crypto crash. The Wall Street Journal. https://www.wsj.com/articles/warnings-from-the-crypto-currency-crash-stablecoin-liquidity- terrausd-11652390321 Telesca, J. (2022, May 9). Digital currencies fall with risk assets. The Wall Street Journal. https://www.wsj.com/articles/crypto-prices-slump-over-weekend-11652011356 Osipovich, A. & Ostroff, C. (2022, May 28-29). TerraUSD crash left trail of broken dreams. The Wall Street Journal. https://www.wsj.com/articles/terrausd-crash-led-to-vanished-savings-shattered-dreams- 11653649201 Driebusch, C. & Vigna, P. (2022, June 18-19). The crypto party is over. The Wall Street Journal. https://www.wsj.com/articles/the-crypto-party-is-over-11655524807
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  Brown, E. &Ostroff, C. (2022, June 30). Pitched as safer than a bank, crypto giant proved riskier. The Wall Street Journal. https://www.wsj.com/articles/behind-the-celsius-sales-pitch-was-a-crypto-firm-built- on-risk-11656498142 Osipovich, A. & Ostroff, C. (2022, May 13). Stablecoin crash shakes crypto: ‘Run on the bank’. The Wall Street Journal. https://www.wsj.com/articles/crash-of-terrausd-shakes-crypto-there-was-a-run-on-the- bank-11652371839 Huang, V.G. (2022, Oct. 13). Betterment launches crypto portfolios. The Wall Street Journal. https://www.wsj.com/articles/robo-adviser-betterment-launches-customized-crypto-portfolios- 11665547614 Michaels, D. (2022, Oct. 4). SEC fines Kardashian for touting crypto. The Wall Street Journal. https://www.wsj.com/articles/kim-kardashian-paying-1-26-million-to-settle-sec-investigation-into-role-in- crypto-deal-11664798793 Ostroff, C., Huang, V.G., & Gladstone (2022, Nov. 12-13). Crypto platform FTX says it’s bankrupt. The Wall Street Journal. https://www.wsj.com/articles/ftx-files-for-chapter-11-bankruptcy-11668176869 Linares, M. (2022, Aug. 8). Crypto ATMs lose traction in tarnished ATM market. Forbes. https://www.forbes.com/sites/mariagraciasantillanalinares/2022/08/08/crypto-atms-lose-traction-in- tarnished-market/ 2022 Trend Tidbits Starting your retirement benefits early (2022). Washington, DC: Social Security Administration. https://www.ssa.gov/benefits/retirement/planner/agereduction.html Marcus, A.D. (2022, April 1.). Human genome map is completed. The Wall Street Journal. https://www.wsj.com/articles/first-gapless-human-genome-map-is-unveiled-years-after-earlier-effort- 11648750303 Wedell, K. (2022, Aug19). Why 30% of Americans haven’t been to the dentist since before the pandemic. USA Today. https://www.usatoday.com/story/money/2022/08/19/reasons-americans-avoid-dentist-dental- insurance/10348042002/ Ensign, R.L. & Rubin, R. (2022, Jan. 4). Some families brace for end of tax break. The Wall Street Journal. https://www.wsj.com/articles/monthly-child-tax-credit-payments-cease-ending-cushion-for- family-budgets-11641205801 Nguyen, N. (2022, Aug. 22). Spam robotexts are surging. The Wall Street Journal. https://www.wsj.com/articles/spam-texts-are-surging-heres-how-to-avoid-being-swindled-11661028971 Duehren, A. (2022, June 3).Social Security reserves seen depleted in 2035, report says. The Wall Street Journal. https://www.wsj.com/articles/social-security-reserves-expected-to-be-depleted-in-2035-year- later-than-prior-projection-11654199367 Mitchell, J. & Torry, H. (2022, July 28). What is a recession and are we in one now?. The Wall Street Journal. https://www.wsj.com/articles/what-is-a-recession-and-are-we-in-one-now-11655392738 La Gorce, T. (2022, Feb. 10). It’s a boom year for brides and grooms. The New York Times. https://www.nytimes.com/2022/02/04/fashion/weddings/wedding-boom-year.html#
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  Cox, J. (2022,Oct. 21). An often-overlooked economic measure is signaling serious trouble ahead. CNBC. https://www.cnbc.com/2022/10/20/an-often-overlooked-economic-measure-is-signaling-serious- trouble-ahead.html Governmental Actions No surprises: Understand your rights against surprise medical bills. Washington, DC: Centers for Medicare and Medicaid Services. https://www.cms.gov/newsroom/fact-sheets/no-surprises-understand- your-rights-against-surprise-medical-bills Ebeling, A. (2022, July 14). Estate-tax savings made easier. The Wall Street Journal. https://www.wsj.com/articles/irs-gives-wealthy-families-more-time-to-shelter-assets-from-estate-tax-11657771260 Barrington, R. (2022, Oct. 14). States where financial literacy education is working. MoneyRates. https://www.moneyrates.com/research-center/financial-literacy.htm Devilbiss, A. (2022, July 9). SC becomes 15th state to require personal finance course for high school graduates. ABC 15 News. https://wpde.com/news/local/south-carolina-becomes-15th-state-to-require- personal-finance-course-for-high-school-graduates Fact Sheet: Four ways the Inflation Reduction Act’s tax incentives will support building an equitable clean energy environment (2022). Washington, DC: U.S. Treasury Department. https://home.treasury.gov/system/files/136/Fact-Sheet-IRA-Equitable-Clean-Energy-Economy.pdf Hardy, A. (2022, Aug. 16): 4 ways the Inflation Reduction Act will save you money. Money. https://money.com/inflation-reduction-act-save-you-money/ Rubin, R. (2022, Nov. 16). Tax breaks in the mix for Congress during lame-duck session. The Wall Street Journal. https://www.wsj.com/articles/tax-breaks-for-retirement-corporate-research-on-congresss-lame- duck-agenda-11668521678 Greenberg, G. (2022, Nov. 28). Less than half of U.S. high school students currently receive instruction in personal finance. Investment News. https://www.investmentnews.com/are-your-clients-kids-learning-the- basics-of-money-management-229451 2023 Annual Limit Updates IRS provides tax inflation adjustments for tax year 2023 (2022, Oct. 18). Washington, DC: Internal Revenue Service. https://www.irs.gov/newsroom/irs-provides-tax-inflation-adjustments-for-tax-year- 2023# 401(k) limit increases to $22,500 for 2023, IRA limit rises to $6,500 (2022, Oct. 21). Washington, DC: Internal Revenue Service https://www.irs.gov/newsroom/401k-limit-increases-to-22500-for-2023-ira- limit-rises-to-6500 2023 Social Security changes (2022). Washington, DC: Social Security Administration. https://www.ssa.gov/news/press/factsheets/colafacts2023.pdf Rubin, R. (2022, Oct. 19). IRS to raise tax brackets, standard deduction by 7%. The Wall Street Journal. https://www.wsj.com/articles/inflation-causes-irs-to-raise-tax-brackets-standard-deduction-by-7- 11666116021 Tergesen, A. (2022, Oct. 14). Social Security checks to grow by 8.7%. The Wall Street Journal. https://www.wsj.com/articles/social-security-benefits-to-increase-in-2023-11665665206