Personal Finance

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4 Ways to Lower Your Cellphone Bill

2016-12-14T17:04:55-08:00

Have you ever opened your cell phone bill and thought, “Wow, that was cheap?” Yeah, didn’t think so. But take heart: It’s possible to lower your charges before your next billing cycle. Simple tweaks, such as updating your service address and changing or removing your insurance package can make small dents in your bill — and those [...]

4 Ways to Lower Your Cellphone Bill2016-12-14T17:04:55-08:00

Most People Need Not Worry About Estate Taxes

2016-12-14T17:04:56-08:00

Welcome news: As of 2016, if you die with less than $5.45 million in assets — or $10.9 million if you’re married — your estate won’t owe federal estate tax. Surprised? Most people are. As a financial planner, I come across many people who list avoiding estate tax as a top priority in their financial [...]

Most People Need Not Worry About Estate Taxes2016-12-14T17:04:56-08:00

7 Ways to Tell If That IRS Tax Collections Call Is Fake

2016-12-14T17:04:56-08:00

A new IRS program set to take effect next spring may make it harder to tell which of those dubious phone calls many people get about outstanding tax bills are actually fake. The agency announced this week that it’s hired four private debt-collection firms to search America’s couch cushions for overdue federal taxes: ConServe, based [...]

7 Ways to Tell If That IRS Tax Collections Call Is Fake2016-12-14T17:04:56-08:00

Your Personal Finance Guide to America’s National Parks

2016-12-14T17:04:56-08:00

Shutterstock photo Our national parks are one of America’s greatest resources. If you live in a city or suburb, America can feel small and crowded, but stepping into a national park will change your perspective. Wide-open, clean spaces filled with exotic flora and fauna, all waiting to be explored. These parks are public [...]

Your Personal Finance Guide to America’s National Parks2016-12-14T17:04:56-08:00

Long Term Care Insurance – When Less Is More

2016-12-14T17:04:57-08:00

Martin Barraud | Getty Images As rate hikes increase, older Americans weigh dropping policies. Eileen Cheng, 70, is holding on to the long term care insurance policy she purchased 15 years ago, even with an expected rate increase. "If you're buying it at 60, you may need it when you're almost 80," she [...]

Long Term Care Insurance – When Less Is More2016-12-14T17:04:57-08:00

Self Employed Retirement Planning – Where the gig economy fails

2016-12-14T17:04:57-08:00

More than 25 percent of all Americans have no savings to speak of, let alone a retirement nest egg. But for those without an employer plan, like a 401(k), that number is much, much larger. About 70 percent of so-called 1099 workers, including freelancers and contractors, said they have no long-term savings at all, according [...]

Self Employed Retirement Planning – Where the gig economy fails2016-12-14T17:04:57-08:00

7 Mistakes that May Result in a Tax Penalty

2016-12-14T17:04:57-08:00

You likely aren’t interested in raising your tax bill, but if you use bad judgment or make a serious error on your tax return, that’s exactly what will happen when the IRS hits you with a penalty. But hey, at least you won’t be alone: The federal agency imposed almost 32 million civil penalties amounting [...]

7 Mistakes that May Result in a Tax Penalty2016-12-14T17:04:57-08:00

8 Ways Fed Interest Rate Decisions Affect You

2016-12-14T17:04:58-08:00

When the Federal Reserve gives interest rates a nudge, you feel it. "The Federal Reserve has its fingers in your pocketbook to a greater degree than the IRS," says Michael Reese, a CFP professional in Traverse City, Michigan. The interest rates you pay and earn, the availability of credit and even your prospects in the [...]

8 Ways Fed Interest Rate Decisions Affect You2016-12-14T17:04:58-08:00

How to Build Credit Without Credit Cards

2016-12-14T17:04:58-08:00

Whenever anyone sets forth on a credit-building journey, they are undoubtedly given the same piece of advice: open a credit card account. This lesson is repeated over and over again because it’s one of the simplest steps an individual can take to begin establishing their credit history. However, there are plenty of people who may [...]

How to Build Credit Without Credit Cards2016-12-14T17:04:58-08:00

Drowning in Debt? How to Get Back on Track. Finally Getting Out of Debt

2016-12-14T17:04:59-08:00

From Nerdwallet Getting out of debt is much harder than getting into it. But you can do it — and along the way, you'll rid yourself of a lot of stress. Countless people find themselves drowning in debt simply because they can't control their spending. If this sounds familiar, try tracking everything you buy for [...]

Drowning in Debt? How to Get Back on Track. Finally Getting Out of Debt2016-12-14T17:04:59-08:00

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