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Your Money Matters


Next month (April) is National Financial Literacy Month, dedicated to encouraging and helping Americans to develop smarter, healthier financial habits. Financial literacy has to do with how we understand the management of money, how to invest it, how to donate and how to make informed financial decisions.
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Other Voices

8 ways you are sabotaging your retirement

Are you doing all the right things to prepare for a financially comfortable retirement? Maybe, but maybe not. Here are some ways you may be working against yourself.
Retirement Mistakes

Patience is a virtue — in Finance!

In a recent interview with the New York Times, Mellody Hobson, a co-CEO of a Chicago-based investment firm with nearly $13 billion in assets under management, said patience is one of the key ingredients to building wealth. Do all good things come to those who wait?
Finance CEO: Key to Investment Success: Patience

Health Savings Account: Yes or No?

Health Savings Accounts (HSAs) might be the single most powerful tax-advantaged savings vehicle in the IRS tax code. You can deduct contributions, experience tax-deferred gains and withdraw money tax free for qualified tax expenditures.
Great Info on HSAs

Listen and Learn About Your Finances

If you haven’t jumped on the podcast bandwagon yet, and if money just confounds you, it’s high time you listened to Planet Money. We’re not going to label it “Economics for Dummies”: Instead, let’s just say this is economics for the masses. Planet Money has produced more than 800 episodes, many from NPR. Because too much economics might put anybody to sleep, Planet Money also produces shows about what’s going on in the culture, and throws in a few history lessons and some light entertainment. In between, there will be shows on Chinese tariffs, minimum wage fights, the gender pay gap…well, you get the idea. The podcasts are anywhere from just a few .minutes to up to about a half hour. Trust us – there is something for everybody on Planet Money.
Check out Planet Money

Where’s My Refund?

Taxpayers who filed their tax returns should know that the easiest way to check on their tax refund is to use “Where’s My Refund?“.
This tool is available on and through the IRS2Go app. The fastest way to get that tax refund is to use IRS e-file and direct deposit.
Taxpayers can use Where’s My Refund? to start checking on the status of their tax return within 24 hours after the IRS receives an e-filed return. For a paper return, it’s four weeks after the taxpayer mailed it.

Lessons From a Billionaire

Mark CubanBillionaire Mark Cuban says “Don’t let fear be a roadblock” when it comes to investing. He has 14 other common sense suggestions about what you should and should not do with your money.
16 Genius Things Mark Cuban Says to Do With Your Money

IRS Regulations On Charitable Regulations

WASHINGTON — The U.S. Department of the Treasury and the Internal Revenue Service today issued final regulations that require taxpayers to reduce their charitable contribution deductions by the amount of any state or local tax credits they receive or expect to receive in return.
Final regulations on charitable regulations and state and local tax credits

Common 401(k) mistakes

Are you maximizing the benefits you could be receiving from your 401K? Maybe not. Read what one financial planner has to say about the most common mistakes 401K investors make.
5 Common Mistakes 401(k) Investors Make

Reverse Mortgage

Reverse mortgage – is it for you? Should you incorporate home equity into your long-term financial plan? Do your homework first, and start by listening to what one expert has to say about the advantages of this financial option.
Why Your Retirement Plan Should Include a Reverse Mortgage

Blue Chips Stocks

The most successful investors are the most educated investors, and there is much to learn. For example, do you know about Blue Chip stocks? What are they are how do they perform historically? How safe are they?
Blue Chip Stocks

Financial Planning for Divorce

Divorce is generally a highly emotional experience for all involved. The one thing many couples overlook is financial planning for the split. Here are the seven most common financial mistakes couples make when divorcing.
Facing Divorce? 7 Common Costly Financial Mistakes To Avoid

House votes to eliminate stretch IRAs

stretch iraStretch IRAs allow designated beneficiaries to extend distributions from inherited individual retirement accounts over their lifetimes. A recent vote by the House means stretch IRAs would no longer work as far as accomplishing the estate planning objectives of controlling the funds for beneficiaries and qualifying for the stretch IRA.
IRA Trusts could become estate planning disaster

Avoid paying FICA

Almost every American worker pays Social Security tax, but did you know you may not have to? There are a select few categories of workers who may be able to avoid paying FICA.
Who Is Exempt from Paying Social Security Tax?

Long-Term Care Insurance

long term care

Do you need long-term care insurance? Probably so, since most people over 65 will eventually need some help with daily tasks and personal care. What will it cost? How can you afford it?
What Will Long-Term Care Cost You?

Prepare for Retirement

The Annual Transamerica Retirement Survey explores attitudes about retirement and retirement readiness among American workers. Since 1998, Transamerica Center for Retirement Studies® (TCRS) has conducted a national survey of U.S. business employers and workers regarding their attitudes toward retirement. You may be surprised at some of this year’s survey findings. If you are retired or retiring this year, this is a must read. (Spoiler alert: Scroll to Page 60 to read all about retirement and finances).
What is “Retirement”? Three Generations Prepare for Older Age

Women 401(k) Millionaires

woman with moneyWomen are taking charge of their finances in record numbers. Fact: In 2005,only 10 percent of women were 401(k) millionaires. By 2017 that number had skyrocketed to 21 percent. How did they do it? Find out how you can do it, too.
4 Lessons from the Rise of Female 401(k) Millionaires