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Even small online purchases that are shipped from outside the United States must now pass through customs - and are likely to incur duties.

Overreacting to market movements or trying to 'time the market' by guessing its future direction can create additional risk that could negatively affect long-term portfolio performance.

While life insurance might play a central role after the death of a financial provider, Social Security could also offer another important source of income for survivors.

With traditional pensions in decline, its up to the individual employee to build retirement savings in a work-based account.