For many reasons, the U.S 2016 election was not the best that the country ever had. The parties had low-quality candidates and ran negative campaigns against each other. Lack of experience, bankruptcies, womanizing and allegations of misogyny were a part of Trump's history. Clinton had a fair share of...

January often receives more attention than it merits in financial planning. The calendar suggests a natural reset, yet most household expenses arrive on their own schedule. Retirees, in particular, tend to experience spending patterns that shift from one season to another rather than conform to a traditional year-end cycle....