Digital Earnings & Financial Returns Insights

Author: Dave Tapie

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Nov, 20 2025

Qualified Dividend Income: How Lower Tax Rates Work in 2025

Dave Tapie
1
Qualified dividend income is taxed at lower rates than ordinary dividends - sometimes 0%. Learn how the 2025 tax brackets work, who qualifies, and how to avoid costly mistakes that could cost you thousands.
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Nov, 19 2025

Understanding Order Confirmations and Trade Settlements (T+2/T+1)

Dave Tapie
3
Learn how the shift from T+2 to T+1 settlement affects your trades, dividends, and cash availability. Understand the rules, avoid common mistakes, and make smarter investing decisions in today’s faster market.
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Nov, 12 2025

Floating-Rate Notes: How They Protect Your Portfolio When Interest Rates Rise

Dave Tapie
4
Floating-rate notes adjust their interest payments as benchmark rates rise, protecting investors from falling bond prices. Learn how FRNs work, who issues them, and why they’re a smart tool in today’s high-rate environment.
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Nov, 10 2025

Currency Carry Trades: Risks for Retail Investors

Dave Tapie
4
Currency carry trades promise easy returns by borrowing low-interest currencies and investing in high-yield ones, but retail investors face massive risks from leverage, volatility, and sudden market shifts that often wipe out their capital.
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Nov, 7 2025

BNPL Impact on Credit Scores: Does It Hurt Your Score in 2025?

Dave Tapie
3
BNPL services like Klarna and Afterpay used to ignore credit scores-but starting in 2025, they'll directly impact them. Learn how missed payments hurt your score, how on-time payments can help, and what to do now.
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Nov, 6 2025

How Stock Prices Are Determined: Supply, Demand, and Market Forces

Dave Tapie
5
Stock prices are set by supply and demand in real time, not by company decisions or analysts. Learn how buyers, sellers, algorithms, and market sentiment drive every price movement.
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Nov, 5 2025

Tax-Deferred Annuities: How to Use Long-Term Tax Deferral for Retirement

Dave Tapie
4
Tax-deferred annuities let your retirement savings grow without annual taxes, ideal for high earners who've maxed out 401(k)s and IRAs. Learn how they work, their pros and cons, and who should use them.
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Nov, 3 2025

Option Expiration Dates: How Time Decay Eats Away at Your Trades

Dave Tapie
4
Option expiration dates aren't just deadlines - they're the main reason most traders lose money. Learn how time decay works, why 0DTE options are risky, and how to manage expirations like a pro.
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Nov, 2 2025

Embedded Insurance: How Coverage Is Seamlessly Added to Products

Dave Tapie
3
Embedded insurance adds coverage directly into product purchases-like travel or phone protection at checkout. It’s faster, simpler, and more convenient than traditional insurance, with conversion rates up to 50%. Learn how it works, where it’s used, and why it’s changing finance.
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Oct, 30 2025

Style Rotation: How to Shift Between Value and Growth Stocks for Better Returns

Dave Tapie
5
Style rotation lets investors shift between value and growth stocks based on economic cycles. Learn how to spot when to move, which ETFs to use, and why timing matters more than ever in 2025.
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Oct, 29 2025

Travel Policy Controls: How to Manage Airfare, Hotels, and Perks Without Killing Employee Morale

Dave Tapie
3
Learn how to build a travel policy that controls airfare, hotels, and meal perks without crushing employee morale. Real rules, real data, and real results from companies that got it right.
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Oct, 19 2025

RegTech Costs: How Compliance Automation Delivers Real ROI

Dave Tapie
0
RegTech cuts compliance costs by up to 50%, reduces false alerts by 90%, and pays for itself in under three years. Discover how automation turns regulatory burden into competitive advantage.

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