Oz Investing Services LLC

11/25/2025

Take the time to think about these three things when shopping for your next vehicle.

Here are 3 quick tips to keep in mind when buying or leasing your next vehicle.

11/19/2025

Social Security beneficiaries will see a 2.8% cost-of-living adjustment (COLA) in 2026 — an increase that adds about $56 a month on average to retirement benefits.

While the adjustment helps payments keep pace with inflation, it’s also renewing debate over how the annual COLA is calculated. Lawmakers are considering whether to replace the current CPI-W index, which tracks the spending of urban wage earners, with one that better reflects the spending patterns of older adults, such as higher medical and housing costs.

Experts note that changing the formula could slightly alter future adjustments, but it would also impact the program’s long-term finances. For now, the 2026 increase remains near the historical average for COLAs since 1975.


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The Social Security cost-of-living adjustment for 2026 will not be a windfall for the millions of beneficiaries who rely on the program's monthly checks.

11/13/2025

Dreaming of your own city apartment? The latest “Carrie Bradshaw Index” from The Economist shows that in many places, it’s getting harder to afford.

The report found that 41 of 100 major U.S. cities are now unaffordable for solo renters — up from 38 last year. To comfortably rent a studio in New York City, you’d need to earn $151,600 annually, more than $90,000 above the median income.

Miami, Jersey City, and Charleston also rank among the least affordable markets. Researchers say the shift reflects post-pandemic demand for city living, persistent rent growth, and wage stagnation in many metro areas.


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The Economist ranked 100 of the major U.S. cities by affordability for people who want to live alone.

11/12/2025

The Yonex Graphite Throttle tennis shoe pairs a full-length graphite carbon plate with intense cushioning for a distinct concept from the Japanese brand

11/11/2025

11/07/2025

Money is one of the top sources of tension in relationships — but experts say even strong couples can stumble if they avoid key conversations.

After studying more than 60 couples, money expert Heather Boneparth found that the happiest partners share five habits:

1. They adapt when circumstances change, rather than sticking to outdated money routines.

2. They don’t dwell on financial regrets or let shame define their decisions.

3. They avoid holding past mistakes over each other’s heads.

4. They focus on shared priorities instead of constant comparison.

5. They stay honest about spending and goals, building trust through transparency.

The takeaway? Communication matters as much as cash flow. Open conversations can help partners align values and expectations — and reduce unnecessary stress around money.


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"You can love each other deeply and still allow money to erode your relationship if you're talking about the wrong issues, or not talking at all," writes money expert Heather Boneparth.

11/05/2025

When the One Big Beautiful Bill (OBBB) Act was passed on July 4, the legislation left several unanswered questions that the IRS is now addressing. The IRS undergoes this process every year, but this time around, the OBBB has added to the uncertainty. Here’s what the 2026 Federal income tax brackets will look like.

10/27/2025

Consider a bucket plan to go with your bucket list.

A bucket plan can help you be better prepared for a comfortable retirement.

10/16/2025

Social Security's cost-of-living adjustments tell a story about inflation's ups and downs.

From 0% in 2016 to a peak of 8.7% in 2023, these annual COLA changes reflect the economic reality millions of retirees experience. The current forecast shows 2.7% for 2026, but we'll know for certain in October.

Unlike many tax rules that haven't kept pace with inflation, Social Security benefits have been automatically adjusted since 1975. It's a powerful example of what "adjusted for inflation" can mean in practice.

10/08/2025

A government shutdown can sound alarming, but here’s what it really means:

Federal offices may close or reduce hours, and “non-essential” services pause. Some federal workers may face furloughs or delayed pay, while places such as national parks and museums may shut their doors.

At the same time, many essential services continue, including Social Security and mail delivery.

Here’s a quick breakdown:
Federal offices close or reduce hours
“Non-essential” services paused
Some federal workers are furloughed or paid late
National parks and museums closed
Services like Social Security and mail continue

It’s a moment that can cause disruption, but it doesn’t mean everything stops. We'll be keeping an eye on these developments as they unfold.