By any measure, the tax code is huge. It is almost 75,000 pages long, with footnotes.1 And each Monday, the Internal Revenue Service publishes a 20- to 50-page bulletin about various aspects of the tax code.2 Fortunately, it’s not necessary to wade through these...
Preparing for retirement is complex for many reasons. With improved medical care, a person retiring today at typical retirement age may need their savings to last 30 years or more, making it necessary for retirement funds to sustain a longer life span. There are...
A recent survey found that 23% of people were very confident about having enough money to live comfortably through their retirement years. At the same time, 33% were not confident.1Congress in 2001 passed a law that can help older workers make up for lost time. But...
According to the Centers for Disease Control and Prevention, productivity losses linked to employees not showing up for work cost employers $226 billion annually, or $1,685 per worker.1 Business owners and managers understand very well the rising cost of health care...
“If the current annual inflation rate is only 2.3 percent, why do my bills seem like they’re 10 percent higher than last year?” Many of us ask ourselves that question, and it illustrates the importance of understanding how inflation is reported and how it can...
John and Mary are nearing retirement and they have a lot of items on their bucket list. Longer life expectancies mean John and Mary may need to prepare for two or even three decades of retirement. How should they position their money?1 One approach is to segment your...
Taxes are one of the biggest budget items for most taxpayers, yet many have no idea what they’re getting for their money. In 2017, as in recent years, Americans spent more on taxes than on groceries, clothing, and shelter combined. In fact, we worked until late April...
One of the most well-known investors of the 20th Century, Benjamin Graham, said that “the investor’s chief problem—and even his worst enemy—is likely to be himself.”¹What Graham understood—and modern research is catching up to—is the idea that we all have emotions and...
Every year the Internal Revenue Service (IRS) releases its list of tax scams, spotlighting the myriad ways that people try to separate you from your money.¹ The “Dirty Dozen” Identity Theft Using your personal information, an identity thief can file a fraudulent tax...
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