Walter Boza
-
How Do Fed Interest Rates Affect Your Money?
This week The Federal Reserve raised its benchmark rate by 0.25 percentage points, to a target range of 3.75%–4.00% — its first increase since July 2023. Inflation, in the Committee’s…
-
Market Volatility: What It Is, Why It Happens, and How to Manage It
Market volatility indicates how much and how quickly the prices of stocks, bonds, indexes, funds, and other financial instruments rise or fall. Volatility can’t be eliminated, but it can be…
-
Why Most People Can’t Beat the Market
Choosing in advance which stock will perform best is difficult, even for professional investment teams. Over long periods, most actively managed U.S. large-cap funds have not outperformed the S&P 500.…
-
Personal Inflation: Calculate Your Real Cost of Living
Your personal inflation rate is how much your cost of living rose based on where your money actually goes. The official number — 3.4% in July 2026, according to the…
-
Why Don’t Gas Prices Go Down When Oil Prices Fall?
$5.36 Price per gallon in California (July 27, 2026) $3.55 Price per gallon in Texas (July 27, 2026) 51.9% Share of the price that’s crude oil 42 gal. What one…
-
Does Immigration Status Affect Life Insurance Eligibility?
For many life insurance products, U.S. citizenship is not a stated requirement. Learn what actually determines eligibility and how to confirm before applying. Financial Education · Life Insurance What you…
-
Tariffs and Oil: The 18-Month Rollercoaster Behind This Week’s Headlines
Tariffs and oil: a pattern that keeps coming back WB Walter Boza Finhabits 18 months of repeating tariff and oil cycles $100+ Brent crude at its 2026 peaks 60 countries…
-
Your Life Insurance Beneficiaries Don’t Have to Live in the U.S
Multiple Beneficiaries you can typically name — divide the benefit however you choose Tax-free* Death benefits are generally not subject to U.S. federal income tax when paid as a lump…
-
Betting Isn’t Investing: The Real Path to Financial Freedom
WB Walter Boza Finhabits · Financial Education $170 billion legally bet on sports in the U.S. in 2025 ~96% of online sports bettors lose money Up to 30% house edge…