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14<title>Chicago, IL | Financial Articles &amp; Blogs | Financial Advisor — Herr Capital Management, LLC</title>
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1035<li><a href="/blog/category/investment">Investment</a></li>
1036
1037<li><a href="/blog/category/layoff-job-transition">Layoff - Job Transition</a></li>
1038
1039<li><a href="/blog/category/lifestyle">Lifestyle</a></li>
1040
1041<li><a href="/blog/category/market-commentary">Market Commentary</a></li>
1042
1043<li><a href="/blog/category/real-estate">Real Estate</a></li>
1044
1045<li><a href="/blog/category/retirement-funding">Retirement Funding</a></li>
1046
1047<li><a href="/blog/category/social-security">Social Security</a></li>
1048
1049<li><a href="/blog/category/tax">Tax</a></li>
1050
1051<li><a href="/blog/category/women-and-wealth">Women &amp; Wealth</a></li>
1052
1053</ul>
1054</nav>
1055</section>
1056
1057<section id="posts-list" data-columns>
1058
1059<article class="post-link">
1060<a href="/blog/week-in-perspective-or-nasdaq-record-jobs-report-face-off-in-mixed-week-5-october-26">
1061
1062<figure class="post-thumbnail">
1063<img src="https://static.twentyoverten.com/content/featured/10-02-2026-feature-nasdaq-record-jobs-report-face-off-in-mixed-week.png" alt="Week In Perspective | Nasdaq Record, Jobs Report Face Off in Mixed Week [5-October-26] Thumbnail">
1064</figure>
1065
1066<header class="post-header">
1067<h3>Week In Perspective | Nasdaq Record, Jobs Report Face Off in Mixed Week [5-October-26]</h3>
1068</header>
1069</a>
1070<div class="post-meta">
1071
1072<time datetime="2026-10-05">October 5, 2026</time>
1073
1074
1075
1076<span class="bullet"></span>
1077
1078<span class="post-categories">
1079
1080<span class="category"><a href="/blog/category/investment">Investment</a></span>
1081
1082<span class="category"><a href="/blog/category/insights">Insights</a></span>
1083
1084<span class="category"><a href="/blog/category/financial-planning">Financial Planning</a></span>
1085
1086<span class="category"><a href="/blog/category/market-commentary">Market Commentary</a></span>
1087
1088</span>
1089
1090</div>
1091
1092<div class="post-excerpt">
1093<p>The Week In Perspective combines market activity, financial events, commentary and analysis for individual investors.</p>
1094</div>
1095
1096<a href="/blog/week-in-perspective-or-nasdaq-record-jobs-report-face-off-in-mixed-week-5-october-26" class="read-more"><span></span>Read More</a>
1097</article>
1098
1099<article class="post-link">
1100<a href="/blog/what-7-mortgages-mean-for-housing-and-the-economy">
1101
1102<figure class="post-thumbnail">
1103<img src="https://static.twentyoverten.com/5ea1b340e09b9110dd2d2d42/Kv_F1qAjmOlw/cropped/breno-assis-r3WAWU5Fi5Q-unsplash-1.jpg" alt="What 7% Mortgages Mean for Housing and the Economy Thumbnail">
1104</figure>
1105
1106<header class="post-header">
1107<h3>What 7% Mortgages Mean for Housing and the Economy</h3>
1108</header>
1109</a>
1110<div class="post-meta">
1111
1112<time datetime="2026-10-01">October 1, 2026</time>
1113
1114
1115
1116<span class="bullet"></span>
1117
1118<span class="post-categories">
1119
1120<span class="category"><a href="/blog/category/insights">Insights</a></span>
1121
1122<span class="category"><a href="/blog/category/lifestyle">Lifestyle</a></span>
1123
1124<span class="category"><a href="/blog/category/real-estate">Real Estate</a></span>
1125
1126<span class="category"><a href="/blog/category/market-commentary">Market Commentary</a></span>
1127
1128</span>
1129
1130</div>
1131
1132<div class="post-excerpt">
1133<p>One factor that directly impacts the housing market is interest rates. When rates rise, mortgage costs for new applicants rise as well, affecting everything from loan qualification to the volume of home sales. The average 30-year fixed mortgage rate is now back above 7% after falling toward 6% at the start of the year. While mortgage rates have been volatile in recent years, they have not been sustainably at these levels in nearly 25 years. What c
1133ould these housing market pressures mean for households and the broader economy?</p>
1134</div>
1135
1136<a href="/blog/what-7-mortgages-mean-for-housing-and-the-economy" class="read-more"><span></span>Read More</a>
1137</article>
1138
1139<article class="post-link">
1140<a href="/blog/the-benefits-of-grandparent-owned-529-savings-plans">
1141
1142<figure class="post-thumbnail">
1143<img src="https://static.twentyoverten.com/5ea1b340e09b9110dd2d2d42/EQQxSZ27txwl/cropped/rohit-tandon-iMfG5py52LA-unsplash.jpg" alt="The Benefits of Grandparent Owned 529 Savings Plans Thumbnail">
1144</figure>
1145
1146<header class="post-header">
1147<h3>The Benefits of Grandparent Owned 529 Savings Plans</h3>
1148</header>
1149</a>
1150<div class="post-meta">
1151
1152<time datetime="2026-09-29">September 29, 2026</time>
1153
1154
1155
1156<span class="bullet"></span>
1157
1158<span class="post-categories">
1159
1160<span class="category"><a href="/blog/category/insights">Insights</a></span>
1161
1162<span class="category"><a href="/blog/category/education-planning">Education Planning</a></span>
1163
1164<span class="category"><a href="/blog/category/financial-planning">Financial Planning</a></span>
1165
1166</span>
1167
1168</div>
1169
1170<div class="post-excerpt">
1171<p>Historically, grandparents have had to navigate specific rules when gifting to grandchildren to prevent unintended financial consequences, including tax and financial aid considerations. However, recent changes to federal financial aid now exclude grandparent-owned 529 accounts from the student assets section of the aid calculation. This removes a drawback of these accounts that was a problem historically. This change makes them worth another look as part of a family’s broader financial plan for education funding.</p>
1172</div>
1173
1174<a href="/blog/the-benefits-of-grandparent-owned-529-savings-plans" class="read-more"><span></span>Read More</a>
1175</article>
1176
1177<article class="post-link">
1178<a href="/blog/week-in-perspective-or-stocks-advance-investors-attention-on-whats-next-28-september-26">
1179
1180<figure class="post-thumbnail">
1181<img src="https://static.twentyoverten.com/content/featured/09-25-2026-feature-stocks-advance-investors-attention-on-whats-next.png" alt="Week In Perspective | Stocks Advance; Investors&#39; Attention on What&#39;s Next. [28-September-26] Thumbnail">
1182</figure>
1183
1184<header class="post-header">
1185<h3>Week In Perspective | Stocks Advance; Investors&#39; Attention on What&#39;s Next. [28-September-26]</h3>
1186</header>
1187</a>
1188<div class="post-meta">
1189
1190<time datetime="2026-09-28">September 28, 2026</time>
1191
1192
1193
1194<span class="bullet"></span>
1195
1196<span class="post-categories">
1197
1198<span class="category"><a href="/blog/category/investment">Investment</a></span>
1199
1200<span class="category"><a href="/blog/category/insights">Insights</a></span>
1201
1202<span class="category"><a href="/blog/category/market-commentary">Market Commentary</a></span>
1203
1204</span>
1205
1206</div>
1207
1208<div class="post-excerpt">
1209<p>The Week In Perspective combines market activity, financial events, commentary and analysis for individual investors.</p>
1210</div>
1211
1212<a href="/blog/week-in-perspective-or-stocks-advance-investors-attention-on-whats-next-28-september-26" class="read-more"><span></span>Read More</a>
1213</article>
1214
1215<article class="post-link">
1216<a href="/blog/monetary-policy-is-not-a-panacea">
1217
1218<figure class="post-thumbnail">
1219<img src="https://static.twentyoverten.com/5ea1b340e09b9110dd2d2d42/dBYkaVYAmRA3/cropped/Pencil-sketch-of-dollar-bills-1.png" alt="Monetary Policy Is Not A Panacea Thumbnail">
1220</figure>
1221
1222<header class="post-header">
1223<h3>Monetary Policy Is Not A Panacea</h3>
1224</header>
1225</a>
1226<div class="post-meta">
1227
1228<time datetime="2026-09-28">September 28, 2026</time>
1229
1230
1231
1232<span class="bullet"></span>
1233
1234<span class="post-categories">
1235
1236<span class="category"><a href="/blog/category/investment">Investment</a></span>
1237
1238<span class="category"><a href="/blog/category/insights">Insights</a></span>
1239
1240<span class="category"><a href="/blog/category/market-commentary">Market Commentary</a></span>
1241
1242</span>
1243
1244</div>
1245
1246<div class="post-excerpt">
1247<p>Janet Yellen, the former Federal Reserve Chair, often said that &#34;monetary policy is not a panacea.&#34;1 Just as there is no cure for the common cold, except to let it run its course and address the symptoms, the Fed’s tools often cannot fix the underlying issues in the economy. In theory, monetary policy is meant to help ease these challenges, especially when it comes to the job market and inflation. In practice, however, the Fed does not control the economy directly, but instead responds to the economic environment.</p>
1248</div>
1249
1250<a href="/blog/monetary-policy-is-not-a-panacea" class="read-more"><span></span>Read More</a>
1251</article>
1252
1253<article class="post-link">
1254<a href="/blog/week-in-perspective-or-fed-ups-rates-investors-ponder-ai-oil-21-september-26">
1255
1256<figure class="post-thumbnail">
1257<img src="https://static.twentyoverten.com/content/featured/09-18-2026-feature-fed-ups-rates-investors-ponder-ai-oil.png" alt="Week In Perspective | Fed Ups Rates; Investors Ponder AI, Oil [21-September-26] Thumbnail">
1258</figure>
1259
1260<header class="post-header">
1261<h3>Week In Perspective | Fed Ups Rates; Investors Ponder AI, Oil [21-September-26]</h3>
1262</header>
1263</a>
1264<div class="post-meta">
1265
1266<time datetime="2026-09-21">September 21, 2026</time>
1267
1268
1269
1270<span class="bullet"></span>
1271
1272<span class="post-categories">
1273
1274<span class="category"><a href="/blog/category/investment">Investment</a></span>
1275
1276<span class="category"><a href="/blog/category/insights">Insights</a></span>
1277
1278<span class="category"><a href="/blog/category/market-commentary">Market Commentary</a></span>
1279
1280</span>
1281
1282</div>
1283
1284<div class="post-excerpt">
1285<p>The Week In Perspective combines market activity, financial events, commentary and analysis for individual investors.</p>
1286</div>
1287
1288<a href="/blog/week-in-perspective-or-fed-ups-rates-investors-ponder-ai-oil-21-september-26" class="read-more"><span></span>Read More</a>
1289</article>
1290
1291<article class="post-link">
1292<a href="/blog/whats-driving-portfolios-beneath-the-surface">
1293
1294<figure class="post-thumbnail">
1295<img src="https://static.twentyoverten.com/5ea1b340e09b9110dd2d2d42/GO9DNp60T-J5/cropped/20250508_112744.jpg" alt="What&#39;s Driving Portfolios Beneath the Surface? Thumbnail">
1296</figure>
1297
1298<header class="post-header">
1299<h3>What&#39;s Driving Portfolios Beneath the Surface?</h3>
1300</header>
1301</a>
1302<div class="post-meta">
1303
1304<time datetime="2026-09-14">September 14, 2026</time>
1305
1306
1307
1308<span class="bullet"></span>
1309
1310<span class="post-categories">
1311
1312<span class="category"><a href="/blog/category/investment">Investment</a></span>
1313
1314<span class="category"><a href="/blog/category/insights">Insights</a></span>
1315
1316<span class="category"><a href="/blog/category/market-commentary">Market Commentary</a></span>
1317
1318</span>
1319
1320</div>
1321
1322<div class="post-excerpt">
1323<p>Areas of the market including small caps, value stocks, and international companies have outperformed over the past year, and their valuations have generally been more attractive. Understanding how sizes and styles have performed can help investors maintain balance. What is happening beneath the surface of the broad market indices, and what does it mean for investors?</p>
1324</div>
1325
1326<a href="/blog/whats-driving-portfolios-beneath-the-surface" class="read-more"><span></span>Read More</a>
1327</article>
1328
1329<article class="post-link">
1330<a href="/blog/week-in-perspective-or-mixed-week-for-markets-mixed-signals-from-fed-8-septmber-26">
1331
1332<figure class="post-thumbnail">
1333<img src="https://static.twentyoverten.com/content/featured/09-04-2026-feature-mixed-week-for-markets-mixed-signals-from-fed.png" alt="Week In Perspective | Mixed Week for Markets, Mixed Signals from Fed [8-Septmber-26] Thumbnail">
1334</figure>
1335
1336<header class="post-header">
1337<h3>Week In Perspective | Mixed Week for Markets, Mixed Signals from Fed [8-Septmber-26]</h3>
1338</header>
1339</a>
1340<div class="post-meta">
1341
1342<time datetime="2026-09-08">September 8, 2026</time>
1343
1344
1345
1346<span class="bullet"></span>
1347
1348<span class="post-categories">
1349
1350<span class="category"><a href="/blog/category/investment">Investment</a></span>
1351
1352<span class="category"><a href="/blog/category/insights">Insights</a></span>
1353
1354<span class="category"><a href="/blog/category/market-commentary">Market Commentary</a></span>
1355
1356</span>
1357
1358</div>
1359
1360<div class="post-excerpt">
1361<p>The Week In Perspective combines market activity, financial events, commentary and analysis for individual investors.</p>
1362</div>
1363
1364<a href="/blog/week-in-perspective-or-mixed-week-for-markets-mixed-signals-from-fed-8-septmber-26" class="read-more"><span></span>Read More</a>
1365</article>
1366
1367<article class="post-link">
1368<a href="/blog/the-impact-of-high-oil-and-copper-prices-on-investment-portfolios">
1369
1370<figure class="post-thumbnail">
1371<img src="https://static.twentyoverten.com/5ea1b340e09b9110dd2d2d42/nBXpspPi8_l5/2.png" alt="The Impact of High Oil and Copper Price
1371s on Investment Portfolios Thumbnail">
1372</figure>
1373
1374<header class="post-header">
1375<h3>The Impact of High Oil and Copper Prices on Investment Portfolios</h3>
1376</header>
1377</a>
1378<div class="post-meta">
1379
1380<time datetime="2026-09-08">September 8, 2026</time>
1381
1382
1383
1384<span class="bullet"></span>
1385
1386<span class="post-categories">
1387
1388<span class="category"><a href="/blog/category/investment">Investment</a></span>
1389
1390<span class="category"><a href="/blog/category/insights">Insights</a></span>
1391
1392<span class="category"><a href="/blog/category/market-commentary">Market Commentary</a></span>
1393
1394</span>
1395
1396</div>
1397
1398<div class="post-excerpt">
1399<p>What does supply and demand tell us about the broader economy, long run trends, and how they interact with a well-constructed portfolio? Commodities can serve as indicators of global conditions, and their volatility is a natural part of how they function. How can investors maintain perspective when commodity markets are moving sharply?</p>
1400</div>
1401
1402<a href="/blog/the-impact-of-high-oil-and-copper-prices-on-investment-portfolios" class="read-more"><span></span>Read More</a>
1403</article>
1404
1405<article class="post-link">
1406<a href="/blog/the-feds-ai-dilemma">
1407
1408<figure class="post-thumbnail">
1409<img src="https://static.twentyoverten.com/5ea1b340e09b9110dd2d2d42/DANxX4XnZsEA/cropped/Federal-Reserve-logo-sketch.png" alt="The Feds AI Dilemma Thumbnail">
1410</figure>
1411
1412<header class="post-header">
1413<h3>The Feds AI Dilemma</h3>
1414</header>
1415</a>
1416<div class="post-meta">
1417
1418<time datetime="2026-09-03">September 3, 2026</time>
1419
1420
1421
1422<span class="bullet"></span>
1423
1424<span class="post-categories">
1425
1426<span class="category"><a href="/blog/category/investment">Investment</a></span>
1427
1428<span class="category"><a href="/blog/category/insights">Insights</a></span>
1429
1430<span class="category"><a href="/blog/category/financial-planning">Financial Planning</a></span>
1431
1432</span>
1433
1434</div>
1435
1436<div class="post-excerpt">
1437<p>AI and Federal Reserve policy may seem unrelated on the surface, but they are connected. In the short run, this connection is through their effects on financial markets and interest rates, and in the long run through productivity and economic growth. In fact, Fed Chair Kevin Warsh recently addressed these topics at the Fed&#39;s annual symposium in Jackson Hole, Wyoming.2 Given how much AI has already impacted markets in recent years, and the continued uncertainty surrounding the Fed&#39;s policy direction, what should investors consider from a long-term perspective?</p>
1438</div>
1439
1440<a href="/blog/the-feds-ai-dilemma" class="read-more"><span></span>Read More</a>
1441</article>
1442
1443<article class="post-link">
1444<a href="/blog/week-in-perspective-or-stocks-upbeat-on-ai-warsh-less-is-more-31-august-26">
1445
1446<figure class="post-thumbnail">
1447<img src="https://static.twentyoverten.com/content/featured/08-28-2026-feature-stocks-upbeat-on-ai_-warsh_-_less-is-more_.png" alt="Week In Perspective | Stocks Upbeat on AI; Warsh: &#34;Less is More.&#34; [31-August-26] Thumbnail">
1448</figure>
1449
1450<header class="post-header">
1451<h3>Week In Perspective | Stocks Upbeat on AI; Warsh: &#34;Less is More.&#34; [31-August-26]</h3>
1452</header>
1453</a>
1454<div class="post-meta">
1455
1456<time datetime="2026-08-31">August 31, 2026</time>
1457
1458
1459
1460<span class="bullet"></span>
1461
1462<span class="post-categories">
1463
1464<span class="category"><a href="/blog/category/investment">Investment</a></span>
1465
1466<span class="category"><a href="/blog/category/insights">Insights</a></span>
1467
1468<span class="category"><a href="/blog/category/market-commentary">Market Commentary</a></span>
1469
1470</span>
1471
1472</div>
1473
1474<div class="post-excerpt">
1475<p>The Week In Perspective combines market activity, financial events, commentary and analysis for individual investors.</p>
1476</div>
1477
1478<a href="/blog/week-in-perspective-or-stocks-upbeat-on-ai-warsh-less-is-more-31-august-26" class="read-more"><span></span>Read More</a>
1479</article>
1480
1481<article class="post-link">
1482<a href="/blog/the-many-ways-to-measure-inflation">
1483
1484<figure class="post-thumbnail">
1485<img src="https://static.twentyoverten.com/content/featured/featured_manywaystomeasureinflation_article.jpg" alt="The Many Ways to Measure Inflation Thumbnail">
1486</figure>
1487
1488<header class="post-header">
1489<h3>The Many Ways to Measure Inflation</h3>
1490</header>
1491</a>
1492<div class="post-meta">
1493
1494<time datetime="2026-08-25">August 25, 2026</time>
1495
1496
1497
1498<span class="bullet"></span>
1499
1500<span class="post-categories">
1501
1502<span class="category"><a href="/blog/category/investment">Investment</a></span>
1503
1504<span class="category"><a href="/blog/category/retirement-funding">Retirement Funding</a></span>
1505
1506<span class="category"><a href="/blog/category/insights">Insights</a></span>
1507
1508<span class="category"><a href="/blog/category/lifestyle">Lifestyle</a></span>
1509
1510</span>
1511
1512</div>
1513
1514<div class="post-excerpt">
1515<p>The government publishes several inflation rates, each measuring something different. Learn why the CPI-W used for Social Security differs from the CPI-U, CPI-E, and PCE—and why the inflation rate that matters most is the one you&#39;re actually living with.</p>
1516</div>
1517
1518<a href="/blog/the-many-ways-to-measure-inflation" class="read-more"><span></span>Read More</a>
1519</article>
1520
1521<article class="post-link">
1522<a href="/blog/what-do-tariff-refunds-and-the-national-debt-mean-to-investors">
1523
1524<figure class="post-thumbnail">
1525<img src="https://static.twentyoverten.com/5ea1b340e09b9110dd2d2d42/wk1tjIGeQgr2/cropped/markus-winkler-H_YfrWPvmHw-unsplash.jpg" alt="What Do Tariff Refunds and the National Debt Mean to Investors? Thumbn
1525ail">
1526</figure>
1527
1528<header class="post-header">
1529<h3>What Do Tariff Refunds and the National Debt Mean to Investors?</h3>
1530</header>
1531</a>
1532<div class="post-meta">
1533
1534<time datetime="2026-08-24">August 24, 2026</time>
1535
1536
1537
1538<span class="bullet"></span>
1539
1540<span class="post-categories">
1541
1542<span class="category"><a href="/blog/category/investment">Investment</a></span>
1543
1544<span class="category"><a href="/blog/category/insights">Insights</a></span>
1545
1546<span class="category"><a href="/blog/category/market-commentary">Market Commentary</a></span>
1547
1548</span>
1549
1550</div>
1551
1552<div class="post-excerpt">
1553<p>Since new tariffs were announced last year, global trade has been a source of uncertainty for financial markets and the economy. In February, the Supreme Court ruled that the original “Liberation Day” tariffs were illegal, resulting in a wave of refunds to businesses that are now well underway. New tariffs have been implemented since then under different laws, including recently with close trading partners such as Canada.  What Do Tariff Refunds and the National Debt Mean to Investors?</p>
1554</div>
1555
1556<a href="/blog/what-do-tariff-refunds-and-the-national-debt-mean-to-investors" class="read-more"><span></span>Read More</a>
1557</article>
1558
1559<article class="post-link">
1560<a href="/blog/week-in-perspective-or-stocks-slip-attention-shifts-to-bonds-24-august-26">
1561
1562<figure class="post-thumbnail">
1563<img src="https://static.twentyoverten.com/content/featured/feature-stocks-slip-attention-shifts-to-bonds.png" alt="Week In Perspective | Stocks Slip; Attention Shifts to Bonds [24-August-26] Thumbnail">
1564</figure>
1565
1566<header class="post-header">
1567<h3>Week In Perspective | Stocks Slip; Attention Shifts to Bonds [24-August-26]</h3>
1568</header>
1569</a>
1570<div class="post-meta">
1571
1572<time datetime="2026-08-24">August 24, 2026</time>
1573
1574
1575
1576<span class="bullet"></span>
1577
1578<span class="post-categories">
1579
1580<span class="category"><a href="/blog/category/investment">Investment</a></span>
1581
1582<span class="category"><a href="/blog/category/insights">Insights</a></span>
1583
1584<span class="category"><a href="/blog/category/market-commentary">Market Commentary</a></span>
1585
1586</span>
1587
1588</div>
1589
1590<div class="post-excerpt">
1591<p>The Week In Perspective combines market activity, financial events, commentary and analysis for individual investors.</p>
1592</div>
1593
1594<a href="/blog/week-in-perspective-or-stocks-slip-attention-shifts-to-bonds-24-august-26" class="read-more"><span></span>Read More</a>
1595</article>
1596
1597<article class="post-link">
1598<a href="/blog/whats-driving-stocks-bonds-and-all-time-highs">
1599
1600<figure class="post-thumbnail">
1601<img src="https://static.twentyoverten.com/5ea1b340e09b9110dd2d2d42/R
1601M5heBGBCbKX/20150626_152714.jpg" alt="What’s Driving Stocks, Bonds, and All-Time Highs? Thumbnail">
1602</figure>
1603
1604<header class="post-header">
1605<h3>What’s Driving Stocks, Bonds, and All-Time Highs?</h3>
1606</header>
1607</a>
1608<div class="post-meta">
1609
1610<time datetime="2026-08-17">August 17, 2026</time>
1611
1612
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1616<span class="post-categories">
1617
1618<span class="category"><a href="/blog/category/investment">Investment</a></span>
1619
1620<span class="category"><a href="/blog/category/insights">Insights</a></span>
1621
1622<span class="category"><a href="/blog/category/behavioral-finance">Behavioral Finance</a></span>
1623
1624<span class="category"><a href="/blog/category/market-commentary">Market Commentary</a></span>
1625
1626</span>
1627
1628</div>
1629
1630<div class="post-excerpt">
1631<p>What’s Driving Stocks, Bonds, and All-Time Highs?  Rising stock prices and higher yields create an environment that requires careful portfolio balance. On the surface, it can seem contradictory for stocks to reach records while interest rates stay high, since rising rates can often slow the economy. However, if both stocks and bonds are being supported by positive trends, long-term portfolios can in turn support financial goals. How should investors think about this environment as markets sit near record levels?
1632</p>
1633</div>
1634
1635<a href="/blog/whats-driving-stocks-bonds-and-all-time-highs" class="read-more"><span></span>Read More</a>
1636</article>
1637
1638<article class="post-link">
1639<a href="/blog/the-2026-midterm-election-and-long-term-investing">
1640
1641<figure class="post-thumbnail">
1642<img src="https://static.twentyoverten.com/5ea1b340e09b9110dd2d2d42/FTkyCr2cX4ce/cropped/marco-oriolesi-wqLGlhjr6Og-unsplash.jpg" alt="The 2026 Midterm Election and Long-Term Investing Thumbnail">
1643</figure>
1644
1645<header class="post-header">
1646<h3>The 2026 Midterm Election and Long-Term Investing</h3>
1647</header>
1648</a>
1649<div class="post-meta">
1650
1651<time datetime="2026-08-14">August 14, 2026</time>
1652
1653
1654
1655<span class="bullet"></span>
1656
1657<span class="post-categories">
1658
1659<span class="category"><a href="/blog/category/investment">Investment</a></span>
1660
1661<span class="category"><a href="/blog/category/behavioral-finance">Behavioral Finance</a></span>
1662
1663<span class="category"><a href="/blog/category/market-commentary">Market Commentary</a></span>
1664
1665</span>
1666
1667</div>
1668
1669<div class="post-excerpt">
1670<p>Should you separate your portfolio from political view?  With the November midterm election approaching, campaigns are starting to intensify across the country. Politics have only grown more divisive in recent decades, so it’s natural for investors to wonder whether the election should influence their financial decisions.</p>
1671</div>
1672
1673<a href="/blog/the-2026-midterm-election-and-long-term-investing" class="read-more"><span></span>Read More</a>
1674</article>
1675
1676<article class="post-link">
1677<a href="/blog/week-in-perspective-or-stocks-have-best-week-in-four-months-10-august-26">
1678
1679<figure class="post-thumbnail">
1680<img src="https://static.twentyoverten.com/content/featured/feature-stocks-have-best-week-in-four-months.jpg" alt="Week In Perspective | Stocks Have Best Week in Four Months [10-August-26] Thumbnail">
1681</figure>
1682
1683<header class="post-header">
1684<h3>Week In Perspective | Stocks Have Best Week in Four Months [10-August-26]</h3>
1685</header>
1686</a>
1687<div class="post-meta">
1688
1689<time datetime="2026-08-10">August 10, 2026</time>
1690
1691
1692
1693<span class="bullet"></span>
1694
1695<span class="post-categories">
1696
1697<span class="category"><a href="/blog/category/investment">Investment</a></span>
1698
1699<span class="category"><a href="/blog/category/insights">Insights</a></span>
1700
1701<span class="category"><a href="/blog/category/lifestyle">Lifestyle</a></span>
1702
1703<span class="category"><a href="/blog/category/market-commentary">Market Commentary</a></span>
1704
1705</span>
1706
1707</div>
1708
1709<div class="post-excerpt">
1710<p>The Week In Perspective combines market activity, financial events, commentary and analysis for individual investors.</p>
1711</div>
1712
1713<a href="/blog/week-in-perspective-or-stocks-have-best-week-in-four-months-10-august-26" class="read-more"><span></span>Read More</a>
1714</article>
1715
1716<article class="post-link">
1717<a href="/blog/why-did-the-fed-keep-rates-unchanged-despite-higher-inflation">
1718
1719<figure class="post-thumbnail">
1720<img src="https://static.twentyoverten.com/5ea1b340e09b9110dd2d2d42/eOOdKSk7Mw-_/cropped/aboutthefed-federal-reserve-system-b_spotlight.jpg" alt="Why did the Fed keep rates unchanged despite higher inflation? Thumbn
1720ail">
1721</figure>
1722
1723<header class="post-header">
1724<h3>Why did the Fed keep rates unchanged despite higher inflation?</h3>
1725</header>
1726</a>
1727<div class="post-meta">
1728
1729<time datetime="2026-08-05">August 5, 2026</time>
1730
1731
1732
1733<span class="bullet"></span>
1734
1735<span class="post-categories">
1736
1737<span class="category"><a href="/blog/category/insights">Insights</a></span>
1738
1739<span class="category"><a href="/blog/category/financial-planning">Financial Planning</a></span>
1740
1741</span>
1742
1743</div>
1744
1745<div class="post-excerpt">
1746<p>Why did the Fed keep rates unchanged despite higher inflation?</p>
1747</div>
1748
1749<a href="/blog/why-did-the-fed-keep-rates-unchanged-despite-higher-inflation" class="read-more"><span></span>Read More</a>
1750</article>
1751
1752<article class="post-link">
1753<a href="/blog/healthcare-costs-that-catch-retirees-off-guard">
1754
1755<figure class="post-thumbnail">
1756<img src="https://static.twentyoverten.com/content/featured/featured_healthcarecoststhatcancatchretireesoffguard.jpg" alt="Healthcare Costs That Catch Retirees Off Guard Thumbnail">
1757</figure>
1758
1759<header class="post-header">
1760<h3>Healthcare Costs That Catch Retirees Off Guard</h3>
1761</header>
1762</a>
1763<div class="post-meta">
1764
1765<time datetime="2026-08-05">August 5, 2026</time>
1766
1767
1768
1769<span class="bullet"></span>
1770
1771<span class="post-categories">
1772
1773<span class="category"><a href="/blog/category/retirement-funding">Retirement Funding</a></span>
1774
1775<span class="category"><a href="/blog/category/insights">Insights</a></span>
1776
1777<span class="category"><a href="/blog/category/lifestyle">Lifestyle</a></span>
1778
1779<span class="category"><a href="/blog/category/financial-planning">Financial Planning</a></span>
1780
1781</span>
1782
1783</div>
1784
1785<div class="post-excerpt">
1786<p>Healthcare costs in retirement often go beyond Medicare premiums. This article takes a look at three of those expenses—prescription gaps, remote-living access, and concierge medicine fees.</p>
1787</div>
1788
1789<a href="/blog/healthcare-costs-that-catch-retirees-off-guard" class="read-more"><span></span>Read More</a>
1790</article>
1791
1792<article class="post-link">
1793<a href="/blog/week-in-perspective-or-stocks-rally-after-fed-hold-03-august-26">
1794
1795<figure class="post-thumbnail">
1796<img src="https://static.twentyoverten.com/content/featured/feature-stocks-rally-after-fed-hold.jpg" alt="Week In Perspective | Stocks Rally After Fed Hold [03-August-26] Thumbnail">
1797</figure>
1798
1799<header class="post-header">
1800<h3>Week In Perspective | Stocks Rally After Fed Hold [03-August-26]</h3>
1801</header>
1802</a>
1803<div class="post-meta">
1804
1805<time datetime="2026-08-03">August 3, 2026</time>
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1810
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1813<span class="category"><a href="/blog/category/investment">Investment</a></span>
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1815<span class="category"><a href="/blog/category/insights">Insights</a></span>
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1817<span class="category"><a href="/blog/category/market-commentary">Market Commentary</a></span>
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1819</span>
1820
1821</div>
1822
1823<div class="post-excerpt">
1824<p>The Week In Perspective combines market activity, financial events, commentary and analysis for individual investors.</p>
1825</div>
1826
1827<a href="/blog/week-in-perspective-or-stocks-rally-after-fed-hold-03-august-26" class="read-more"><span></span>Read More</a>
1828</article>
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1951<span>Powered by Twenty Over Ten</span>
1952</a>
1953</p>
1954</div>
1955</div>
1956</div>
1957
1958</footer>
1959<div class="pull-out-overlay"></div>
1960</div>
1961
1962
1963<script>
1964window.appUrl = 'https://app.twentyoverten.com';
1965window.siteUrl = 'https://herrcapital.com';
1966window.suppress = false;
1967window.calendlyActive = true;
1968</script>
vendor: 1 bytes, line 1968
1968
1969<script src="https://ajax.googleapis.com/ajax/libs/jquery/2.2.4/jquery.min.js"></script>
vendor: 1 bytes, line 1969
1969
1970<script>
1971$('.g-recaptcha').html('');
1972</script>
1972
1973
1974<script src="https://assets.calendly.com/assets/external/widget.js" type="text/javascript"></script>
1974
1975
1976
1977<script src="/assets/frameworks/assets/dist/js/global-2.0.2.js"></script>
vendor: 1 bytes, line 1977
1977
1978<script src="/assets/frameworks/themes/fresnel/3.0.0/assets/dist/js/main-3.0.0.js"></script>
1978
1979
1980<script>
1981  const promoSettings = {
1982    // Doesn't really matter what this is called, as long as it's somewhat unique - will be stored in browser cookies
1983    name: 'My newsletter signup box',
1984    
1985    // If TRUE  = popup is displayed every time a user visits the page - can be useful for testing 
1986    // If FALSE = popup is only displayed once per user... wont' trigger again until "showAgainAfterDays" (below)
1987    // (**WARNING** this can be very annoying if left set to TRUE)
1988    showEveryTime: true,
1989    
1990    // Amount of time (in seconds) after initial page visit to trigger the popup
1991    delaySeconds: 3,
1992    
1993    // If this is set, the promo popup will be displayed again after this number of days
1994    // If you comment out this line or set it to FALSE, the popup will only show up one time *ever* (until the visitor clears their browser cookies)
1995    // ** NOTE: This doesn't apply if 'showEveryTime' is set to true **
1996    showAgainAfterDays: 1,
1997  }
1998  const promoPopupElement = document.querySelector('.modal-overlay.popup-gate .overlay-content');
1999  let targetLocation = '';
2000  
2001  /*** BEGIN POPUP LOGIC STUFF ***/
2002  const promoPop = () => {
2003    
2004    
2005      // Look for the cookie that we add after displaying the modal
2006      const cookieValue = document.cookie && document.cookie
2007        .split('; ')
2008        .find(row => row.startsWith('ToT-gate-popup'))?.split('=')[1];
2009        
2010      // If the cookie is found... do nothing
2011      if(cookieValue) {
2012        console.log("Found popup cookie. Not displaying popup.");
2013      } 
2014      // If the cookie is not found... delayAndDisplay
2015      else {
2016        delayAndDisplay();
2017                $('.container a').each(function(){
2018    let link = $(this).attr('href');
2019    $(this).attr('href', '#');
2020    this.dataset.link = link;
2021    console.log(link, this.dataset.link);
2022  });
2023   $('.container a').on('click', function(e) {
2024     e.preventDefault();
2025     targetLocation = this.dataset.link;
2026     displayPopup();
2027   });
2028      }
2029  }
2030  const displayPopup = () => { 
2031      // Display promo popup
2032      document.querySelector('html').classList.add('overlay-open');
2033      promoPopupElement.classList.add('is-showing');
2034    };
2035  const delayAndDisplay = () => {
2036 
2037    // Trigger timeout using delaySeconds, then...
2038    setTimeout(displayPopup, promoSettings.delaySeconds * 1000);
2039  }
2040  //Fix the Links
2041  const fixLinks = () => {
2042     $('.container a').each(function(){
2043    let link = this.dataset.link;
2044    $(this).attr('href', link);
2045    console.log(link, this.dataset.link);
2046  });
2047  }
2048  // If a .modal-overlay.promo element is found on the page, trigger the popup logic
2049  if(promoPopupElement && !window.suppress) {
2050    promoPop();  
2051    $('#popup-gate-form').on('submit', function(e){
2052    e.preventDefault();
2053    let inputs = Array.from(this.querySelectorAll('input'));
2054    let counter = 0;
2055    inputs.forEach((v) => {
2056      counter += v.value.length > 1 ? 1 : 0;
2057      return;
2058    })
2059     if (counter === inputs.length)
2060     {
2061       let promoCookie = `ToT-gate-popup=${promoSettings.name};`;
2062    promoCookie += ' expires=Fri, 31 Dec 9999 23:59:59 GMT;';
2063    document.cookie = promoCookie;
2064    if (targetLocation.length > 0) {
2065       setTimeout(() => {location.href = targetLocation;}, 300);
2066    }
2067    $('.container a').off();
2068  document.querySelector('html').classList.remove('overlay-open');
2069  this.closest('.overlay-content').classList.remove('is-showing');
2070  fixLinks();
2071     }
2072     else
2073     {
2074       setTimeout(() => {
2075         this.querySelector('.form-item button').textContent = 'Try Again!';
2076       }, 500);
2077     }
2078  });
2079  }
2080</script>
2080
2081
2082<script>
2083  document.addEventListener('DOMContentLoaded', function() {
2084  const paragraphs = document.querySelectorAll('div.container p');
2085
2086  paragraphs.forEach(function(paragraph) {
2087    if (paragraph.textContent.trim() === 'No Posts Found') {
2088      paragraph.style.display = 'none'; // Or paragraph.remove();
2089    }
2090  });
2091});
2092</script>
2092
2093
2094<script>
2095if (location.href.includes("/curated-articles")) {
2096  // Select and clear the target element
2097  const embedContainer = document.querySelector(".advisor-embed");
2098  embedContainer.innerHTML = '<div id="advisor_stream_embed"></div>';
2099
2100  // Create the first script tag (for the external script)
2101  const externalScript = document.createElement('script');
2102  externalScript.src = "https://my.advisorstream.com/communication/advisor_website_embedded_script/";
2103  externalScript.type = "text/javascript";
2104  externalScript.async = true; // Optional: allows the page to continue loading
2105
2106  // Create the second script tag (for the inline script)
2107  const inlineScript = document.createElement('script');
2108  const pk = "eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJwayI6MjEwMzh9.IwvEEiU0RLMMhObINZ0_4-sFdioy5r7ylAtsvZBmJ0Y";
2109  inlineScript.innerHTML = `var advisor_stream_website_pk = "${pk}"`;
2110
2111  // Append the scripts to the body to ensure they run
2112  document.body.appendChild(externalScript);
2113  document.body.appendChild(inlineScript);
2114}
2115</script>
vendor: 65 bytes, lines 2115-2117
2115
2116
2117<script async src="https://www.googletagmanager.com/gtag/js?id=
2117UA-3352794-1
vendor: 12 bytes, line 2117
2117"></script>
2118<script>
vendor: 127 bytes, lines 2119-2122
2119window.dataLayer = window.dataLayer || [];
2120function gtag(){dataLayer.push(arguments);}
2121gtag('js', new Date());
2122gtag('config', '
2122UA-3352794-1
vendor: 4 bytes, line 2122
2122');
2123</script>
2123
2124
2125<!-- tot - Global site tag (gtag.js) - Google Analytics -->
vendor: 64 bytes, lines 2125-2126
2125
2126<script async src="https://www.googletagmanager.com/gtag/js?id=
2126UA-46480539-15
vendor: 12 bytes, line 2126
2126"></script>
2127<script>
vendor: 127 bytes, lines 2128-2131
2128window.dataLayer = window.dataLayer || [];
2129function gtag(){dataLayer.push(arguments);}
2130gtag('js', new Date());
2131gtag('config', '
2131UA-46480539-15
vendor: 4 bytes, line 2131
2131');
2132</script>
2132
2133</body>
2134</html>

Line numbers count LF bytes from the start of the resource, as the search results do. Vendor segments are library code the classifier recognised; they are stored but not indexed. Bytes are shown as Latin1 characters, one per byte.