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While Bitcoin developers scramble to find a solution and Ethereum prepares for ‘Q-day,’ Solana is trying to get ahead of that scenario.

Aerosmith debuts Aerosmith on the Top Album Sales chart as the re-release gives the band another hit half a century after its original release.

“If history is a guide, this is precisely the time you want to be selling memory-exposed names,” market technician says.

“No matter what I do, the beds still look a bit creased and worn, even grubby, in pictures.”

TheStreet aims to feature only the best products and services. If you buy something via one of our links, we may earn a commission.Why we love this dealIf you want to revamp your spring or summer wardrobe, clothing isn’t the only thing to consider. From handbags and wristwatches to sunglasses and hair clips, accessories are an effortless way to upgrade your existing attire. When your date night dress or ordinary office outfit needs a bit of dazzle, you can’t go wrong reaching for a piece of jewelry, and you don’t have to break the bank when adding a new piece to your collection, especially if you take advantage of one of Macy’s current deals. Understated and elegant, the Macy’s Cubic Zirconia Multi-Color Adjustable Bolo Bracelet is 55% off with a limited-time special sale at Macy’s. That means instead of paying the regular price of $40, you can score this mesmerizing adornment for just $18. We love the classic style of a bolo bracelet, since it looks great on the wrist, but also because you can put on the bracelet easily by yourself, thanks to the adjustable slider.Macy’s Cubic Zirconia Multi-Color Adjustable Bolo Bracelet, $18 (was $40) at Macy’s

Courtesy of Macy’s

Shop at Macy’sWhy do shoppers love it?Constructed from durable brass, this elegant bracelet adds a layer of fine rose gold plating and multi-colored gemstones for a luxe look that’s less susceptible to wear and tear over time. The row of 12 simulated cubic zirconia gemstones sparkle and shine when catching the light, so while the piece is dainty and delicate, it makes a beautiful statement. One shopper who called the jewelry “stylish” also raved that it is “such a cute, colorful bracelet that looks expensive.” While the piece has the appearance of lavish jewelry, it won’t break your budget like a high-end selection.Related: Walmart is selling lightweight $18 Swarovski rose earrings that come in three shades of goldThe versatility of this bracelet is one of its standout features. The rose gold metallic hue and the gems in shades of lavender, green, maroon, and black pair well with a variety of colors. You could wear the bracelet by itself, but you can also layer it with your smartwatch or other go-to bracelets. Additionally, it’s easy to dress up or down, whether you want to add some polish to your everyday look, like when having dinner with friends, or accessorize your attire for a formal event. “Love this bracelet — the gems are a subtle accent that really works for day or night wear,” one reviewer wrote, praising the jewelry. They called the overall look “dainty glamour,” which we think is a perfect description. Details to know Closure type: Bolo.Metal: The bracelet is made from bronze plated with rose gold.Length: The bracelet measures 6 to 10 inches long, depending on how you adjust it.Everyone has different style preferences, so if this rose gold jewelry isn’t quite for you, Macy’s has other noteworthy deals on bracelets discounted to $25 or less to check out.Shop more dealsMacy’s Herringbone and Baguette Stones Tennis Bracelet, $18 (was $50) at Macy’sCharter Club Imitation Pearl Double-Row Slider Bracelet, $24 (was $40) at Macy’sAdornia Rhodium-Plated Tennis-Style Slider Bracelet, $17 (was $25) at Macy’sAdd the Macy’s Cubic Zirconia Multi-Color Adjustable Bolo Bracelet to your jewelry box while it’s on sale for just $18 at Macy’s. The sale will end in just a few days, so don’t miss your chance to save.

CryptoQuant data shows overall bitcoin demand is contracting at -63,000 BTC per month even as institutional buyers accelerate purchases, with large holders distributing nearly 188,000 BTC over the past year.

Broadcast Retirement Network’s Jeffrey Snyder discusses the new U.S. Department of Laborregulations for evaluating investments for your 401k (or 403b or 457b) plans with Kutak Rock’s John Schembari.Jeffrey Snyder, Broadcast Retirement NetworkJohn Schembari joins us this morning from Kutak Rock. John, great to see you. Thanks for joining us this morning.John Schembari, Kutak RockThanks for having me, Jeff.Jeffrey Snyder, Broadcast Retirement NetworkYou know, John, it almost feels like deja vu. I don’t know why. I’m just getting that feeling of deja vu.All right, John, I wanted to reach out to you because we have some new Department of Labor regulations around the investment selection process. Let’s talk about, I want to get reaction from you first, and then we can talk about what the regs say. So what’s your reaction to what you’ve read thus far?John Schembari, Kutak RockIt’s very positive. You know, the Department of Labor had a mandate to come out with proposed regulations that were going to make it safer for fiduciaries to offer alternative investments, private equity, private credit, Bitcoin, you name it. And what the department did is they actually came out with a roadmap for the selection of any investment and kind of a roadmap for fiduciaries in selecting any investment in a 401k plan.They met their deadline. This is clearly fast-tracked. And so far, what I’m hearing from other practitioners and from clients is that this is going to be well-received.Jeffrey Snyder, Broadcast Retirement NetworkAnd John, what do the regulations actually say? And does it alter the selection process for investments in 401k, 403b, and or governmental 457b plans?John Schembari, Kutak RockYeah, well, it doesn’t change necessarily the process that sophisticated good committees have been following. But what it does do is it creates a safe harbor that if fiduciaries will do and consider six certain factors then the department tries to create a presumption of prudence. Meaning if they’ve considered these six things that the department thinks are important in evaluating any investment and they properly evaluate those six factors, then it will be presumed that that fiduciary was acting in accordance with ERISA.Jeffrey Snyder, Broadcast Retirement NetworkOkay, so as a reformed retirement plan advisor, I like that and I like a level playing field when it comes to the smaller plan sponsors and the larger plan sponsors. I would think that would be met with a lot of positivity. We’ll talk about the comment period in a second, but what’s the process, John, to review these proposed regs?They don’t just become final. There’s a process and a timeline to become final.John Schembari, Kutak RockThat’s right. So these regulations are proposed and the department has given the public, you, me, anybody, 60 days in which we can submit comments. So that’s June 1.After June 1, the department will go back to work. They’ll consider all these comments that everybody submitted and then they will issue a final regulation that will typically have a prospective effective date. That effective date could be as prospective as one month.It could be one year long. The million dollar question is when will the final regulations come out? Sometimes with governments, it might take them 10 years to issue final regulations.I don’t expect that to be the case here. One, we know that the current administration really wants to open up the trillion dollar retirement plan space to alternative investments. So there is a real push to get these regulations final sooner rather than later.The other reason why I think these are gonna become final sooner rather than later is these regulations, while most regulations are written for the benefit of the employer or the fiduciary, these regulations were clearly written with a different audience in mind. These regulations were written by the current head of the Department of Labor who is a former CEO of a fiduciary liability insurance company. The entity that paid out millions and millions of dollars to plaintiff’s lawyers.So when he wrote this regulation, it’s clear to me that he wrote this regulation to judges and to the plaintiff’s bar saying, hey, you’re on notice that if fiduciaries do these six things and they follow this process, you leave them alone. These are good fiduciaries. Do not continue to sue them and judges don’t continue to allow these excessive litigation cases against them.Jeffrey Snyder, Broadcast Retirement NetworkSo John, we can expect that there are gonna be comments and there are gonna be challenges and we’ve got an election coming up in November. Even if these become final, let’s just say they become final July one. That’s a month following the end of the comment period.Is everything written in stone? So can these regulations be unwound at some point by a different Congress or a different judge or a different administration?John Schembari, Kutak RockYeah, yeah. Congress can always undo regulations by changing the law. So if Congress were to amend ERISA in such a way that these regulations just don’t make sense anymore, Congress wins.So that’s one factor. Prior to 2024, Jeff, judges would give a great deal of deference to agencies when they issue regulations. So if the Department of Labor came out with a regulation like this, prior to 2024, judges would say, all right, we’re gonna listen to the DOL.We’re gonna kind of treat that regulation as if it is law written in stone. In 2024, the Supreme Court threw out that notion of deference to a federal agency. And now judges don’t have to give the Department of Labor any deference anymore.So the Department of Labor can write these 164-page proposed regulations that are really thoughtful and give you a real good checklist of things to do. And a judge can say, yeah, we don’t really care. We think you need to do these 12 things to be a prudent fiduciary.So I think the regulations are gonna withstand some scrutiny. I don’t know how much deference a judge will give them, but it’s important to note that the regulations are not pro-crypto, pro-private equity regulations. They are written asset neutral, and it’s general principles that fiduciaries should follow in selecting any investment in a retirement plan.And that’s something that is probably gonna be difficult to be attacked from one side of the aisle or another. This is not a regulation that is, again, pro-crypto or pro an ESG style investment. This is an asset neutral regulation.So it’s gonna be kind of hard to attack that, I think.Jeffrey Snyder, Broadcast Retirement NetworkYeah, I guess the jury, the pun intended jury is gonna be out. Let me ask you before I let you go, and we’re gonna have to, this is an ongoing regulation in the retirement space and in any space is ongoing. So we’re gonna have to bring you back when it comes to benefits.What are you hearing from clients? I mean, they rely on you and your firm to break things like this down. They rely on their financial advisor or their retirement plan advisor to help them do due diligence.How are they reacting to these new rules and are they excited? Have you heard anything positive or negative or just anything?John Schembari, Kutak RockYeah, we haven’t heard too much yet from clients. It’s still pretty new. So they’re waiting for us to tell them what’s in this regulation and explain that.For most of the clients that we work with, this is gonna be welcome news. This is gonna be, I’m gonna be telling them things that they’ve already been doing and considering. So it’s gonna give them a little peace of mind.One thing that’s gonna kind of become real important here is the importance of fiduciaries understanding what their investment advisors are saying. So it’s not, the regulation is very clear. It’s not enough to have an investment advisor, which is a good thing.It’s not enough just to have an investment advisor, but as a fiduciary, you need to understand what they’re saying. So when they come in and they start talking to you about sharp ratios and alpha and beta, you need, as a fiduciary, you need to be able to understand that before you make a decision. So I think that’s gonna open up opportunities for those fiduciary advisors that do a really good job in explaining the rationale behind their decisions.And it’s gonna be a little bit of a challenge for some of those financial advisors that maybe don’t want to explain the rationale in a way that their clients can fully understand.Jeffrey Snyder, Broadcast Retirement NetworkYeah, well, that fiduciary education, that’s why people rely on people like you, John, and people like BRN and other places, because you need to be educated. You can’t just defer and say, oh, I hired that person. You gotta be in the know.You have responsibility to the beneficiaries of the retirement plan, of the benefit plan. John, we’re gonna have to, this has been a great conversation, a lot to unpack there. And I see a lot of webinars in yours and Kutak Rock’s future, but look, thanks for joining us.And we look forward to having you back again on the program again very soon, sir.John Schembari, Kutak RockAnytime, Jeff, thanks.

Certain investing habits feel responsible and disciplined, creating the sense that they’re safeguarding your portfolio. Checking your portfolio before work, rebalancing your holdings every few months, and placing trades based on research you read — none of that sounds like a mistake.Robinhood just published a guide that says otherwise, and the argument it makes should unsettle every investor who prides themselves on staying active with their money. The mistake Robinhood points to is excessive trading, driven by the assumption that constant action improves performance. The real problem is that you won’t notice it happening, because it mirrors the same habits you’ve been told to follow since you opened your first brokerage account.Robinhood’s surprising warning about checking your portfolio too oftenRobinhood’s guide compares watching your portfolio to viewing the Earth from space. From far away, it looks smooth, but up close, every imperfection stands out.When you obsess over daily price swings, a dip that means nothing over a five-year horizon feels like a crisis at 9:35 a.m. on a Tuesday. You start making moves based on emotion rather than long-term logic, Robinhood’s analysts cautioned in their published guide.Robinhood draws a line between curiosity and anxiety. Checking your portfolio to stay informed is fine, while checking it out of stress trains you to react to volatility instead of trusting your plan.The hard numbers behind “disciplined” investors who keep losing moneyRobinhood’s advice is not just philosophical hand-waving from a brokerage platform. Decades of academic and industry data support the same conclusion about investor behavior and portfolio outcomes.The average equity fund investor earned just 16.54% in 2024, while the S&P 500 returned 25.02%. That 8.48% performance gap ranks as the second-largest shortfall over the past decade, according to DALBAR’s 2025 Quantitative Analysis of Investor Behavior report.Average equity investors have underperformed the S&P 500 for 15 consecutive years, according to DALBAR data. The last time the average investor beat the index was 2009, more than a decade and a half ago.The behavioral damage has also worsened since the pandemic, according to a study by George Mason University. Poor market timing cost investors 0.53% per year from 2015 to 2019. From 2020 through late 2024, that number nearly doubled to 1.01% per year, according to Zacks Investment Management.Day trading, options speculation, and constant engagement on discussion boards have made the problem worse for retail investors since 2020.

Robinhood explains that timing mistakes and emotional trading keep investors trailing the market year after year.Ink Drop/Shutterstock

Morningstar confirms the pattern across 25,000 fundsMorningstar’s Mind the Gap study examined more than 25,000 U.S. mutual funds and ETFs over the decade ending December 2024. The average dollar invested earned 7.0% per year, while the funds themselves returned 8.2% per year, according to Morningstar research.That 1.2 percentage-point annual gap means investors forfeited roughly 15% of the total returns their own funds generated over a full decade. The gap appeared in every calendar year of the 10-year study period, without exception.More Personal Finance:Retirees following 4% rule are leaving thousands on the tableFidelity says a $500 policy could protect your entire net worthFidelity’s 4 Roth strategies could save your family a fortune in taxesFunds with the most volatile cash flows, which Morningstar used as a proxy for heavy trading activity, trailed their own total returns by nearly double the margin of funds with stable investor behavior. The people who traded the least captured the most of what their funds earned.The compounding damage is enormous over longer periods. With a $1 million initial investment held for 20 years, a 1% annualized underperformance gap results in roughly $1 million less in total accumulated wealth, according to Zacks Investment Management.The overtrading trap disguised as smart portfolio managementRobinhood’s guide identified overtrading as one of the most dangerous byproducts of frequent portfolio monitoring. You log in, you see your positions, and you feel the pull to do something because you’re already there. The platform explicitly warned that more button-pressing does not lead to better results.Academic research reinforces that warning with decades of evidence from real investor accounts. A landmark study by Brad Barber and Terrance Odean examined the trading records of more than 66,000 U.S. households over six years. The most active traders underperformed a simple buy-and-hold strategy by 6.5% annually.The study also found a meaningful gender dimension to the problem. Male investors traded 45% more frequently than female investors and paid for it with a 2.65 percentage-point erosion in annual returns. Female investors lost 1.72 percentage points annually, the peer-reviewed findings showed.You might think you’re different, but that overconfidence drives overtrading, especially for those who believe they’ve done the most homework.Rebalancing your portfolio can backfire if done wronglyRobinhood’s guide also challenged the popular belief that frequent rebalancing equals responsible investing. The platform used a memorable Peter Lynch paraphrase to make its case: Constant rebalancing is like pulling up the flowers and watering the weeds.That analogy matches what institutional research shows. Vanguard’s Investment Strategy Group published research on rebalancing data from 1926 through 2009, finding no meaningful improvement in long-term risk or returns from monthly or quarterly rebalancing compared with annual rebalancing.”The more that we can automate, the more thoughtful and deliberate we can be about the context in which we place our investments,” said Morningstar Chief Ratings Officer Jeff Ptak, lead author of the Mind the Gap study. “What we should be deliberate about is just trying to find ways to avoid transacting, especially discretionary ad hoc transacting that takes place amid market turbulence.” Annual rebalancing was the optimal frequency for most investors, the Vanguard research found. More frequent adjustments simply drove up turnover and transaction costs without improving outcomes. Monthly rebalancing triggered more than 1,100 events across 92 years of data, without producing better risk-adjusted returns.That quarterly rebalancing habit you take pride in may be cutting your winners short. You’re selling your top performers and buying laggards, all just to stick to a schedule.A smarter rebalancing approach for your portfolioA hybrid threshold strategy works better for most investors. You review on a set schedule, typically once or twice per year, but only act when your allocation has drifted by at least 5 percentage points from its target.Here’s a practical framework you can adopt today:Set a calendar reminder to review your portfolio once or twice per year, rather than once per quarter or month.Only rebalance when your actual allocation has drifted at least 5 percentage points from your target allocation in any asset class.Prioritize rebalancing inside tax-advantaged accounts like IRAs and 401(k)s to avoid triggering capital gains taxes on every adjustment.Consider target-date or balanced funds that handle rebalancing automatically if you struggle with the temptation to tinker with your holdings.Morningstar’s data show that investors in allocation funds, which automate rebalancing, captured nearly 97% of their funds’ total returns over the study period. Sector fund investors, the category most likely to attract active traders, captured far less of their funds’ performance.Life changes should trigger portfolio reviews, not market headlinesRobinhood’s guide made one crucial distinction between useful and destructive engagement with your investments. Your portfolio should change when your life changes, not when the market drops or rallies on a given Tuesday.A new job, a marriage, a child, or retirement approaching are all legitimate reasons to revisit your asset allocation and adjust your risk profile. A bad jobs report, a Federal Reserve press conference, or a scary headline on social media are not.DALBAR’s 2025 report found that equity fund investors withdrew money in every quarter of 2024, with the largest outflows happening right before a major market rally. That mistiming is not a coincidence, because the investors who pulled out were reacting to headlines.Before you make your next portfolio adjustment, ask yourself one simple question. Is this change driven by something that happened in your life, or something that happened on your phone screen? If the answer is the screen, close the app and walk away.How to build an investment schedule that protects your returnsRobinhood’s guide suggested building a short set of personal investing rules to keep yourself on track over time. The goal is to make sure every interaction you have with your portfolio is intentional rather than impulsive.Staying informed about macroeconomic conditions including inflation, interest rates, and employment trends is valuable for your broader financial awareness. Robinhood encouraged investors to keep tabs on the big picture without letting that information drive impulsive decisions inside their accounts.The platform also recommended narrowing your information sources to a handful of trusted outlets and avoiding anything with sensationalized headlines. Related: Mark Cuban wishes he invested in this company earlierDALBAR’s Guess Right Ratio, which measures how often investors correctly time their market entries and exits, fell to just 25% in 2024. That means investors guessed the right direction only one out of every four quarters, tying the lowest ratio on record.If professional fund managers with teams of analysts and proprietary data struggle to time the market consistently, your odds of doing better from a phone app at your kitchen table are not encouraging.A practical checklist before your next tradeRun through these five questions before you place your next trade or make your next portfolio adjustment.Do you have a specific, research-backed reason for this trade, or are you reacting to a feeling or a headline you just read?Does this trade align with your original investing plan and the risk level you’ve already established for your overall account?Have you checked whether your portfolio has drifted by at least 5 percentage points from your target allocation?Would you make this same decision if you had not looked at your portfolio today and were reviewing it six months from now?Has something in your personal life, such as your income, goals, or timeline, changed since your last review?If you cannot answer “yes” to at least two of those questions, the best trade you can make right now is no trade at all.The investors who do the least often end up with the mostThe uncomfortable truth Robinhood’s guide exposed, and that DALBAR, Morningstar, and peer-reviewed research all confirm, is that your effort might be the problem. Not your intelligence, not your research skills, and not your commitment to your financial future.Effort applied to trading and rebalancing at the wrong frequency tends to produce worse results than doing almost nothing at all. Over the 20 years ending December 2024, the average U.S. equity investor returned 9.24% annually compared to the S&P 500’s 10.35% annualized return, DALBAR’s latest report confirmed. The S&P market portfolio ended up worth 22% more than what the average investor achieved over those two decades.You built a plan for a reason. The biggest challenge of executing that plan is not picking the right stocks, choosing the right funds, or getting the perfect allocation. The hardest part is trusting your own plan long enough to leave it alone and let time and discipline do the heavy lifting.Related: Robinhood enters premium credit card fray with new Platinum Card

Kentucky is emerging as a compelling option for retirees, thanks to lower living costs, recent tax cuts and favorable treatment of retirement income.What changed is straightforward, Wesley Botto, CPA/PFS, CFP, a financial planner at Hillcrest Financial Group as well as a member of the American Institute of CPA’s (AICPA) PFP Champions task force, said in an interview.The state reduced its individual income tax rate to 3.5% in 2026, and it continues to offer exclusions on retirement income. For households weighing where to retire, those changes come at a time when inflation and housing costs remain top concerns.Below is a transcript of that interview, edited for brevity and clarity.Kentucky’s cost of living and housing affordabilityRobert Powell: Kentucky is an appealing retirement destination. It has strong tax benefits, and the cost of living is below the national average. Joining me to discuss that, and more, is Wes Botto. He is a CPA, PFS, CFP, a financial planner at Hillcrest Financial Group in Cincinnati, Ohio, and a member of the American Institute of CPAs Personal Financial Planning Champions Task Force. Wes, welcome.Wes Botto: Thanks for having me.Robert Powell: Let’s start with cost of living before we turn to taxes.Wes Botto: That sounds great. The cost of living in Kentucky is about 7% lower than the national average. It’s a very affordable place to live.Robert Powell: And housing plays a role in that, I assume?Wes Botto: Certainly. The estimated typical home value in Kentucky is about $228,000, which is lower than the national average.Income taxes and retirement income rulesRobert Powell: Let’s turn to taxes. What do retirees need to know about Kentucky’s income tax rates?Wes Botto: It’s an interesting time to talk about this. In 2025, the state reduced the individual income tax rate from 4% to 3.5%, effective in 2026.Robert Powell: That applies to earned income, dividends, interest and capital gains?Wes Botto: Correct.Robert Powell: What about retirement income such as Social Security, IRA distributions and pensions?Wes Botto: Kentucky offers an exclusion for retirement income. Currently, that exclusion is $31,110 per taxpayer. For married couples filing jointly, each spouse qualifies, so there are planning opportunities, such as coordinating withdrawals between accounts.

Wesley Botto, CPA/PFS, CFP, Hillcrest Financial Group

Sales taxes and property taxesRobert Powell: What about other taxes, such as sales and property taxes?Wes Botto: Kentucky has a statewide sales tax of 6%. Some items, such as prescription drugs, are exempt.Robert Powell: And property taxes?Wes Botto: Property taxes are relatively low. A 2026 county-by-county report shows an average rate of about 0.73%. There is variation depending on location. For example, in Northern Kentucky, where schools are strong, property taxes can be higher.There is also a homestead exemption for those age 65 and older. For 2025 and 2026, that exemption is $49,100, which reduces the taxable value of a home.Estate and inheritance considerationsRobert Powell: Do retirees need to worry about estate or inheritance taxes?Wes Botto: Kentucky does have an inheritance tax, but it generally applies only when assets pass to non-immediate family members. Most clients do not encounter it because assets typically stay within the family.Why professional advice mattersRobert Powell: There are two groups to consider. Those already living in Kentucky and planning to retire there, and those thinking about relocating. Both groups may benefit from professional guidance when evaluating taxes, cost of living and other factors.Wes Botto: Exactly. I’ve seen clients relocate for tax or lifestyle reasons, and having professional advice can help them make informed decisions.Lifestyle factors: Bourbon Trail and Kentucky DerbyRobert Powell: We would be remiss not to mention the Bourbon Trail. Is it worth a visit?Wes Botto: Absolutely. As a University of Kentucky graduate, I’ve spent plenty of time there. It’s a great experience whether or not you plan to retire in the state.Robert Powell: And the Kentucky Derby?Wes Botto: It’s a unique event that attracts people from around the world. Many locals watch it on TV, but whether you attend in person or not, it’s a major part of the culture.Related: Many homeowners are putting their retirement in jeopardy

Cleantech investor and governor candidate Tom Steyer says competition with utilities can slash electricity. But the main bill drivers don’t disappear if you change who sells power.