Among life’s major milestones — think graduations, weddings, even annual events like birthdays and anniversaries — the retirement day is notably lacking in cultural convention, shared ritual. It mostly tends to fall to co-workers, family, even retirees themselves to conjure, ad hoc, a celebratory send-off. Here’s a look at how a range of new retirees marked the end of their working days. https://nyti.ms/3yktu5x
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The choice between buying a home and renting one is among the biggest financial decisions that many adults make. But the costs of buying are more varied and complicated than for renting, making it hard to tell which is a better deal. To help you answer this question, our calculator takes the most important costs associated with buying or renting and compares the two options. Note that the “winning choice” is the one that makes more financial sense over the long run, not necessarily what you can afford today. And there are plenty of reasons you might want to rent or buy that are not financial — all we can help you with is the numbers.
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Thanks to huge increases in the value of homes since 2021, sellers are making double or triple what they paid, and more sales are triggering the capital gains tax. Expensive areas naturally have seen more home sales with gross profits over $500,000. California has been a standout: From 2017 through 2023, it was home to 10% of all U.S. home sales, yet 37% of all the sales above the exemption threshold. Several other states also saw double-digit increases in the share of sales. Here's where people are paying the most.
Higher Home Values Mean Higher Taxes. Who’s Paying the Most?
https://www.nytimes.com
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Not all companies offer 401(k)s, however, and millions of private-sector employees lack access to workplace retirement plans. Availability is just one problem; contributing is another. Many people who have 401(k)s put little if any money into their accounts.
Was the 401(k) a Mistake?
https://www.nytimes.com
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Of the many riddles that confront corporate chief executives in the course of their work, perhaps the most important is when to quit. It’s the maneuver that cements a C.E.O.’s legacy. The cost of overstaying is steep, especially when tallied in missed opportunities.
The C.E.O.s Who Just Won’t Quit
https://www.nytimes.com
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A Times financial columnist and an illustrator share an exercise that can prepare you for life after work.
How to Make Retirement Less Scary
nytimes.com
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Homes that come with a low-rate mortgage, which can be transferred from the existing homeowner to a new home buyer, are making a comeback. The process of assuming a mortgage won’t work for all would-be buyers because there are several hurdles they may need to clear before they can claim the keys, often including a hefty down payment. For home sellers, it can be advertised alongside marble countertops, to attract more potential buyers. “There were other homes — they were nice and everything,” one buyer said, “but I went for the lowest rate I could find.”
A Little-Known Way Home Buyers Can Beat High Mortgage Rates
https://www.nytimes.com
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These are the cities with the most dog-friendly rentals and the most popular breeds, according to a new study. Examining rental listings in the 25 largest U.S. cities, researchers learned that 55% of the homes were listed as dog-friendly and the friendliest were in Texas. https://nyti.ms/4dwdvS2
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Is AI companionship bad? Our columnist Kevin Roose decided to explore the question and spent a month making AI friends. They offered small talk, companionship and even some surprisingly good advice. "The technology needed for realistic AI companionship is already here, and I believe that over the next few years, millions of people are going to form intimate relationships with AI chatbots," Roose writes. "Some users will scoff at befriending a chatbot. But others, especially people for whom socializing is hard or unappealing, will invite AIs into the innermost parts of their lives."
Meet My A.I. Friends
https://www.nytimes.com
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In The New York Times Opinion Section "There’s clearly something wrong when young graduates can’t find jobs at the same time that employers complain of not being able to find qualified workers," writes Peter Coy. "As of March, there were still fewer unemployed people than job openings, according to the Bureau of Labor Statistics. In April the unemployment rate remained below average at 3.9 percent." Peter asked new college graduates to tell him about their job searches — here's what they had to say.
Opinion | ‘It Feels Like I Am Screaming Into the Void With Each Application’
https://www.nytimes.com
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