Daily Battles: Move Message Keyboard Shortcut Not Working in Outlook for Mac

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One keyboard shortcut I use daily in Outlook for Mac is "⌃⇧V," which allows you to quickly move an email message to a folder of your choice. It’s a huge time-saver—until it stops working. Unfortunately, this issue occurs every time Outlook for Mac is restarted.

I reported this problem to Microsoft Tech Support because it’s 100% reproducible. Despite my efforts, the issue has remained unresolved for three years. This glitch affects both the Legacy View and the New Outlook Look.

If you’ve encountered the same frustration, don’t worry—there’s a simple fix. Here’s how to get the shortcut working again:

1. In Outlook, click Message from the top menu bar.
2. Select Move to expand the popup menu.
   (You only need to do this once after restarting Outlook.)

That’s it! Once you’ve done this, the "⌃⇧V" shortcut should work correctly again.

Best of luck with your own daily battles!

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Picture of the Day:

This is why you always have a plate under your teacup.

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— Dr. Tree (@lannyland.com) December 16, 2024 at 11:01 PM

P.S. Remember, the easiest way to keep up with my journey is by visiting blog.lannyland.com 

Typical Insurances People Pay for in America

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Insurance premiums are skyrocketing each year, increasing at 20%-50% per year. I thought it would be good to have just a good summary list of typical insurance people pay for in America today. This does not include insurance people buy for investment purposes.

Health-Related Insurance

1. Health Insurance
   Covers medical expenses, including doctor visits, hospital stays, prescriptions, and preventive care. Often provided by employers (with employees still paying a portion of it) or purchased privately.

2. Dental Insurance
   Covers dental care, including cleanings, fillings, and sometimes orthodontics.

3. Vision Insurance
   Covers eye exams, glasses, and contact lenses.

4. Disability Insurance
   Replaces a portion of income if you cannot work due to illness or injury. Includes short-term and long-term disability policies.

5. Long-Term Care Insurance
   Covers expenses for long-term care services, such as nursing homes, assisted living, or in-home care.

6. Supplemental Insurance
   Optional insurance that provides additional coverage for specific needs, such as critical illness, cancer, hospital indemnity, or accident policies. Often complements health insurance by helping with out-of-pocket costs. (Remember AFLAC?)

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Vehicle-Related Insurance

7. Auto Insurance
   Required by law in most states, it covers liability for accidents, as well as damage to or theft of your vehicle (comprehensive).

8. Motorcycle Insurance
   Similar to auto insurance but specific to motorcycles.

9. RV/Boat Insurance
   Covers recreational vehicles or boats, including liability and physical damage.

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Property Insurance

10. Homeowners Insurance
    Covers damage to your home and belongings due to disasters like fire (like the LA fire right now) or theft and includes liability protection.

11. Renters Insurance
    Protects personal belongings and provides liability coverage for those renting their home or apartment.

12. Flood Insurance
    Covers flood damage, often not included in standard homeowners insurance. It’s typically required in high-risk flood areas.

13. Earthquake Insurance
    Covers damage from earthquakes, not included in standard homeowners policies.

14. Home Appliance Warranty Program
    A warranty plan that covers repairs or replacements for major home appliances, such as refrigerators, dishwashers, and HVAC systems. These programs typically cover mechanical breakdowns and provide peace of mind for homeowners.

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Life and Estate Insurance

15. Life Insurance
    Provides a death benefit to beneficiaries. Includes term life (specific duration) and whole life (lifelong coverage with investment components).

16. Employer-Provided Group Term Life Insurance
    Often included as a workplace benefit. While coverage may be free or subsidized, the IRS requires employees to pay taxes on the value of coverage exceeding $50,000.

17. Accidental Death and Dismemberment Insurance (AD&D)
    Pays benefits in cases of death or loss of limbs due to accidents.

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Other Types

20. Pet Insurance
    Covers veterinary bills for pets.

21. Travel Insurance
    Covers trip cancellations, medical emergencies, or lost luggage during travel.

22. Umbrella Insurance
    Provides extra liability coverage beyond home or auto insurance limits.

23. Legal Insurance
    Helps cover legal fees for personal matters.

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Video of The Day:

The DEVASTATING Pacific Palisades fire is still raging. Only 11% has been contained.

AccuWeather estimates the total economic damages of the LA fires at a STAGGERING $135-150 billion.

California's left-wing politicians better BRACE FOR A STORM.pic.twitter.com/byuwl20R9Q

— Steve Hanke (@steve_hanke) January 12, 2025

P.S. Remember, the easiest way to keep up with my journey is by visiting blog.lannyland.com 

Tech Bits: Google Cloud Run vs Google Cloud Functions

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Google Cloud Run and Google Cloud Functions are both serverless computing solutions offered by Google Cloud Platform (GCP). However, they are very different animals.

Google Cloud Run

A serverless platform for deploying and running containerized applications. Using Docker containers, it offers flexibility to run apps in any language or framework.

Key Features:

• Runs Docker-packaged apps.

• Stateless HTTP workloads.

• Auto-scales traffic, including to zero.

• Supports any containerized language.

• Pay for used CPU, memory, and requests.

Use Cases:

• APIs or microservices.

• Hosting web apps.

• Batch jobs and custom tasks.

• Specialized runtime workloads.

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Google Cloud Functions

A lightweight serverless platform for running single-purpose, event-driven tasks. Developers can focus on code while Google handles infrastructure.

Key Features:

• Triggered by events (e.g., Cloud Storage, Pub/Sub).

• Write small functions in supported languages (Node.js, Python, etc.).

• Auto-scales with event volume.

• Pay for execution time and memory.

Use Cases:

• Event-driven tasks.

• Handling HTTP requests or APIs.

• File processing (e.g., image resizing).

• Pub/Sub message processing.

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Key Differences Between Cloud Run and Cloud Functions

Feature	Google Cloud Run	Google Cloud Functions
Deployment	Containerized apps (Docker).	Single-purpose functions.
Runtime Flexibility	Any containerized language.	Limited runtimes (Node.js, etc.).
Triggers	Stateless HTTP requests.	Events or HTTP triggers.
Scaling	Scales with traffic.	Scales with events.
Complexity	Complex apps or microservices.	Simple, event-based tasks.
Customization	Full control via containers.	Minimal customization.

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Choosing the Right Solution

1. Use Google Cloud Functions if:

   • Workloads are event-triggered (e.g., file uploads).

   • Simplicity and fast setup are priorities.

   • Minimal runtime customization is needed.

2. Use Google Cloud Run if:

   • Building REST APIs, web services, or complex apps.

   • Custom runtime environments or dependencies are required.

   • Consistency between dev and production environments matters.

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Example Scenarios

• Event-Driven Task: Auto-resize images on file upload.

  • Best Option: Cloud Functions

• REST API: Manage inventory with a custom framework.

  • Best Option: Cloud Run

• Background Processing: Process millions of Pub/Sub messages.

• Best Option: Functions for simple logic; Run for complex tasks.

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Video of The Day:

The most expensive house burned down in the LA fire.

P.S. Remember, the easiest way to keep up with my journey is by visiting blog.lannyland.com

Money Matters: Growth, Value, and Income Investment Strategies

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You probably hear the terms Growth, Value, and Income a lot when it comes to investing in the equity market. Today, we explain what they mean in both individual stocks and pooled investments like mutual funds and ETFs.

1. Growth Investments

Growth investments focus on companies or funds expected to experience faster-than-average revenue or earnings growth. These companies often reinvest their profits back into the business to fuel expansion rather than paying dividends.

Growth Stocks

• Characteristics:
  • High price-to-earnings (P/E) ratios.
  • Often found in industries like technology, healthcare, or renewable energy.
  • Minimal or no dividend payouts.
• Pros:
  • Potential for significant price appreciation.
  • Suitable for long-term investors with a higher risk tolerance.
• Cons:
  • High volatility.
  • Risk of overvaluation if growth expectations are not met.

Growth Mutual Funds and ETFs

• Focus: Invest primarily in growth stocks.
• Advantages:
  • Diversification across multiple growth companies.
  • Professional management (mutual funds) or low-cost passive options (ETFs).
• Risks:
• Similar to individual growth stocks, but diversification reduces some company-specific risks.

Examples:

• Stocks: Tesla, Amazon, Nvidia.
• Mutual Funds/ETFs: ARK Innovation ETF (ARKK), Fidelity Growth Company Fund (FDGRX).

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2. Value Investments

Value investments target undervalued companies trading at prices below their intrinsic value. These companies often have strong fundamentals but may be overlooked by the market due to temporary challenges.

Value Stocks

• Characteristics:
  • Low P/E and price-to-book (P/B) ratios.
  • Often mature companies in stable industries.
  • Frequently pay dividends.
• Pros:
  • Opportunity to buy at a "discount" and benefit as the market corrects.
  • Lower volatility compared to growth stocks.
• Cons:
• May remain undervalued for a long time.
• Limited upside compared to high-growth stocks.

Value Mutual Funds and ETFs

• Focus: Invest in stocks that are considered undervalued relative to their fundamentals.
• Advantages:
  • Provide access to a diversified basket of value stocks.
  • Lower risk of individual stock mispricing.
• Risks:
• Sector-specific downturns can impact returns (e.g., value funds often concentrate on financials or energy).

Examples:

• Stocks: Coca-Cola, Johnson & Johnson, Berkshire Hathaway.
• Mutual Funds/ETFs: Vanguard Value ETF (VTV), Dodge & Cox Stock Fund (DODGX).

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3. Income Investments

Income investments prioritize generating consistent cash flow through dividends or interest payments. These are popular with retirees or those seeking steady income streams.

Income Stocks

• Characteristics:
  • High dividend yields.
  • Often found in sectors like utilities, real estate (REITs), or consumer staples.
  • Low growth potential but stable performance.
• Pros:
  • Regular income through dividends.
  • Lower volatility compared to growth stocks.
• Cons:
  • Limited potential for capital appreciation.
  • Dividends may be cut during economic downturns.

Income Mutual Funds and ETFs

• Focus: Invest in dividend-paying stocks or bonds.
• Advantages:
  • Diversification across multiple income-producing assets.
  • Convenient for consistent cash flow.
• Risks:
• Vulnerable to interest rate changes (especially bond-heavy funds).
• Dividend cuts or defaults by underlying companies.

Examples:

• Stocks: AT&T, Procter & Gamble, Realty Income (REIT).
• Mutual Funds/ETFs: Vanguard High Dividend Yield ETF (VYM), Schwab U.S. Dividend Equity ETF (SCHD).

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How to Choose the Right Strategy

Your investment choice between growth, value, and income depends on your financial goals, risk tolerance, and time horizon:

• Growth:
  • Best for younger investors or those with a long time horizon.
  • High risk, high reward.
• Value:
  • Ideal for investors seeking stable, long-term growth with lower risk.
  • Good for those who can patiently wait for the market to recognize undervalued opportunities.
• Income:
  • Perfect for retirees or those looking to supplement their income.
  • Focused on stability and cash flow rather than capital appreciation.

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Conclusion

Growth, value, and income investments each serve different purposes in a well-rounded portfolio. A successful investment strategy should combine these in the portfolio, matching the investor's needs and risk tolerance level.

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Picture of The Day:

Now this is a real Money Tree

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— Dr. Tree (@lannyland.com) January 11, 2025 at 10:51 PM

P.S. Remember, the easiest way to keep up with my journey is by visiting blog.lannyland.com 

Age Matters: Important Ages for Tax and Financial Milestones

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Just a good summary list of all the ages that matter in the tax and financial sense.

For Children and Young Adults

• Age 13:

  • Childcare Tax Credit: Parents can claim childcare expenses for the Childcare Tax Credit only until the child turns 13 (unless the child has a disability).

• Age 18:

  • Child Tax Credit Ends: The Child Tax Credit ends in the year a child turns 18.

  • Kiddie Tax Rules Apply: Children under 18 (and in some cases up to 23) with unearned income may have it taxed at their parents' tax rate.

  • Earned Income Matters: At 18, individuals can open a retirement account like a Roth IRA if they have earned income.

• Age 19 (or 24 if a student):

  • Dependent Status: Parents can claim a child as a dependent until age 19, or up to 24 if the child is a full-time student.

• Age 26:

• Health Insurance: Children can stay on their parents' health insurance plan until they turn 26.

Midlife Milestones

• Age 50:

  • Catch-Up Contributions Begin: You can make additional “catch-up” contributions to retirement plans, such as 401(k)s, 403(b)s, and IRAs. For 2025, the limits are an additional $7,500 for 401(k)s and $1,000 for IRAs.

• Age 55:

  • HSA Catch-Up Contributions: Eligibility to contribute an extra $1,000 annually to a Health Savings Account (HSA).

  • Early Retirement Withdrawals: If you leave your job in the year you turn 55 or later, you can take penalty-free withdrawals from 401(k) or 403(b) plans.

• Age 59½:

• Penalty-Free Withdrawals: You can withdraw from traditional IRAs and 401(k)s without incurring the 10% early withdrawal penalty, although income tax still applies.

Retirement Planning

• Age 62:

  • Social Security Eligibility: This is the earliest age you can start claiming Social Security benefits. However, benefits will be permanently reduced if taken before full retirement age.

• Age 65:

  • Medicare Eligibility: At 65, you qualify for Medicare (Parts A, B, and D).

  • HSA Contributions End: Once enrolled in Medicare, you can no longer contribute to a Health Savings Account (HSA).

• Age 66-67:

  • Full Retirement Age (FRA): Depending on your birth year, this is when you qualify for 100% of your Social Security retirement benefits.

• Age 70:

• Maximized Social Security: If you wait until age 70 to claim Social Security, you’ll receive the highest possible monthly benefit.

Later Years

• Age 73:

  • Required Minimum Distributions (RMDs): RMDs from traditional IRAs and 401(k)s must begin unless you’re still working. This age applies to individuals born in 1951 or later.

• Age 75:

  • Catch-Up Contribution Rule (2025): Individuals earning more than $145,000 annually must make catch-up contributions to 401(k) plans as Roth contributions.

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Conclusion

Understanding these key ages can help you make informed decisions about your financial and retirement planning. Whether you’re helping a child transition to independence, preparing for retirement, or managing healthcare and taxes, knowing these milestones can give you a clear advantage. Planning ahead is essential to make the most of your financial opportunities and to avoid costly mistakes.

Stay proactive, and consult a financial advisor to ensure you’re leveraging every benefit available at these critical ages.

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Picture of the Day

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— Dr. Tree (@lannyland.com) January 8, 2025 at 11:46 AM

P.S. Remember, the easiest way to keep up with my journey is by visiting blog.lannyland.com