Digitally enhanced shot of an unrecognizable businessman working in the office superimposed over a … [+] graph showing the ups and downs of the stock market getty When coaching clients about their finances, one thing we try not to miss is making the most of their employee benefits. Underutilizing your benefits could mean you are… More
Long-term savers can be thankful that interest rates are higher. They’re finally getting a real return. I Easy-money fans at the Federal Reserve building, June 14.Tom Brenner/Bloomberg Finance LP If you have a chunk of retirement money in bonds, you’re probably feeling miserable. This year’s spike in interest rates has wrecked what was supposed to… More
The CPI-linked savings bond isn’t all it’s cracked up to be. TIPS offer slightly better protection from inflation. Thief in the night (Photo by Mark Wilson)Getty Images Personal-finance pundits love those I bonds. Suze Orman: “The No. 1 investment that every single one of you should have no matter what.” Burton Malkiel: “Absolutely superb.” Last… More
(Photo by Universal Images Group via Getty Images) Universal Images Group via Getty Images Under a new Medicare rule, you could see some prescription drug savings. According to The Senior Citizens League, “seniors enrolled in Medicare Advantage plans and Medicare Part D prescription drug plans can expect improved transparency and lower out-of-pocket costs for medications… More
John F. WasikContributorOpinions expressed by Forbes Contributors are their own.I am an author, speaker and journalist specializing in investor and consumer protection. (Photo by Monika Graff/Getty Images) Getty Images This may sound odd, but when you get a federal tax refund, you may be withholding too much money from your paycheck. Most people love the… More
Upset woman sitting at kitchen table with laptop, dealing with financial stress and pressure. getty Do you have a mutual fund in your portfolio that isn’t doing so well, but you’re not quite sure whether it’s time to throw in the towel on it? While it may be tempting to dump your poor performers, it’s… More
(Photo by FREDERIC J. BROWN/AFP via Getty Images) AFP via Getty Images Inflation is a bear. Despite what politicians say, commercial interests can generally charge whatever they want for goods and services. Consumer inflation, as a result, is at a 40-year high. You can, however, adopt a strategy to find lower prices. Here’s what you… More
YOSHIKAZU TSUNO/AFP via Getty Images) AFP via Getty Images You’ve probably seen how most major cryptocurrencies took a nosedive in recent weeks. Were you counting on crypto to fund your retirement? According to Bloomberg, crypto is toxic for long-term investors: “Cryptocurrencies are the exact opposite of a prudent investment: They’re volatile, have little practical use… More
Man with eyeglasses working at home in the living room while wife and daughter playing getty This past weekend was 5/29 or 529 day. It has been my experience that 529 plans are often viewed with trepidation. Whether its questions about how it will affect financial aid or the ability to use funds for out-of-state… More
PARIS, FRANCE – FEBRUARY 26: In this photo illustration, the Coinbase cryptocurrency exchange logo … [+] (C) is seen on the screen of an iPhone on February 26, 2021 in Paris, France. Cryptocurrency trading platform Coinbase has filed for registration with the SEC on Thursday for an IPO via direct listing on the Nasdaq and… More
Gold plated souvenir cryptocurrency Tether (USDT), Bitcoin and Etherium coins arranged beside a … [+] screen displaying a trading chart. – Tether (USDT) is an Ethereum token known as a stablecoin that is pegged to the value of the US dollar, and is currently the largest stablecoin with a market value of USD 83 billion… More
Serious couple discussing paper documents getty Is your traditional IRA or 401(k) down in value this year? Many financial experts are touting this as a good time to convert it to a Roth since you can pay taxes on the lower account value, and when the market recovers, your money can grow to be tax-free.… More
What does a short-staffed IRS mean for taxpayers? Fewer audits! getty Tax audits are down. By a lot. Internal Revenue Service audit rates of individual taxpayers’ returns have dropped for all income levels from tax years 2010 to 2019, according to a new Government Accountability Office report. On average, individual tax returns were audited over… More
(Photo by Spencer Platt/Newsmakers) Getty Images It’s no secret that the IRS is seriously backlogged on processing tax returns. Although I received my refund within weeks of e-filing, millions filing paper returns are going to be waiting a while. Congress hasn’t been appropriating enough money for the IRS to perform efficiently. That’s the bottom line.… More
woman is holding bill and credit card in hands and calculating the costs getty U.S. Inflation rate, up; GDP growth, down. European growth slows. China’s currency down 4.2%. The Russian invasion of Ukraine disrupts major supply chains, as if they hadn’t weathered rocky and largely long-standing self-induced wounds. Higher commodity prices. The combination has many… More
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