A horizontal merger is a merger or business consolidation that occurs between firms that operate in the same industry, usually as larger companies attempt to create more efficient economies of scale.

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Starting this year, some tax breaks will be off-limits for some retirement savers. That’s because of a new provision from Secure 2.0 that went into effect on Jan. 1, 2026.

The average tax refund tops $3,000, but instead of waiting for a lump sum each spring, a small tweak can spread that money across the year to boost your paycheck—starting now.