1. Articles in category: Financial

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    1. How 5G will transform our ability to work from home

      How 5G will transform our ability to work from home

      Thanks to greatly improved internet connectivity and workforce applications, employees in an increasing number of professions can work just about anywhere they want—in their home, at a coffee shop, on a plane. And chances are they’re more productive and more engaged than they would be if they were in the office. They may even be planning to stay in their job longer because of their flexible work location. In 2017, Stanford economics professor Nicholas Bloom, in a TED Talk, went so far as to call work-from-home potentially as innovative as the driverless car.

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    2. How To Tell If That Phone Call From Social Security, The IRS Or Google Is A Scam | HuffPost Life

      How To Tell If That Phone Call From Social Security, The IRS Or Google Is A Scam | HuffPost Life

      Last year, the Federal Trade Commission received complaints from more than 35,000 people who reported this particular phone scam and lost a collective $10 million because of it. But it’s just one of many fraudulent phone calls you could receive. We spoke with the FTC about signs of a phone scam and what to do if you’re targeted.

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      Mentions: Robert Williams
    3. 8 Facts About Life Insurance You 100% Need To Know

      8 Facts About Life Insurance You 100% Need To Know

      Think you don’t need life insurance? Think again.

      The cost of a funeral alone can run $11,000 or more. You might also have family members who depend on your income to live. And if you have debt such as a mortgage or private student loans that you wouldn’t want to pass on to your loved ones, life insurance can protect them from inheriting it.

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    4. Almost Half of All Americans Fear They'll Outlive Their Savings

      Almost Half of All Americans Fear They'll Outlive Their Savings

      Living a long time is obviously something to aspire to. But when most Americans consider their potential longevity, they're faced with a nagging concern: What happens if they last longer than their money?

      This is actually a pretty big worry for many of us, with respondents to a recent survey by the financial services company Northwestern Mutual indicating that, on average, there's a 45% chance they'll outlive their savings. Yet despite fears about ending up a broke senior, 41% of respondents said they haven't taken any steps to address this concern.

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    5. Millennial Money: How to outsmart smartphone scammers

      Millennial Money: How to outsmart smartphone scammers

      Your smartphone is your confidante, your hand-held connection to the world — and one of your biggest vulnerabilities. Scammers can take advantage of day-to-day tasks that seem innocuous, like checking a bank balance or charging a phone at a public USB port, to exploit personal information for their profit. To keep that data safe, start by understanding the threats you face. Your phone has three main areas of vulnerability: its hardware, its software and your phone number.

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      Mentions: Robert Williams
    6. China's Response to Threats From President Trump Calms the Stock Market

      China's Response to Threats From President Trump Calms the Stock Market

      Trade-sensitive stocks rally as the trade war with China continues to drive prices this week.

      Opinions expressed by Entrepreneur contributors are their own.

      The major stock indexes were down more than two percent last Friday after President Trump threatened to increase tariffs again on Chinese goods, but rallied yesterday after China responded with surprising moderation.

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    7. These 7 Social Security myths just aren’t true, no matter how often you hear them

      These 7 Social Security myths just aren’t true, no matter how often you hear them

      With a system as complex as Social Security, it’s inevitable that misinformation (or simply a misunderstanding of the facts) will spread. It’s hard to understand what’s true and what’s not, and often, our brains prefer the version of events that feel intuitively more simple to understand. And of course, Social Security is anything but simple to understand.

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    8. 5 Issues With the Social Security 2100 Act

      5 Issues With the Social Security 2100 Act

      As you're probably aware, our nation's most important social program has some pretty big looming problems. According to the Social Security Board of Trustees, the program is facing a mammoth cash shortfall of $13.9 trillion between 2035 and 2093, which is the result of a combination of ongoing demographic changes. If these issues aren't deal with, Social Security could face an across-the-board cut to benefits of up to 23% for retired workers in less than 16 years.

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    9. Believing These 4 IRA Myths Could Cost You Big Time

      Believing These 4 IRA Myths Could Cost You Big Time

      Save yourself some money -- don't fall for these common misconceptions. IRAs are among the most commonly used retirement savings accounts, but Americans have several misconceptions about them. Believing these fallacies can cause people to miss out on valuable savings opportunities or run into unexpected expenses. Below, I shine a light on four of the most common IRA myths. 1. If you make too much money, you can't contribute to an IRA.

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    10. Is having multiple savings accounts such a good idea? Find out

      Is having multiple savings accounts such a good idea? Find out

      Particularly with the increased banking transactions, maintenance charges, minimum balance along with the ineffective use of cash, is it such a good idea to have multiple bank accounts? Here are some of the reasons why you need to eliminate your surplus bank accounts: With frequent job changes, most working people end up having multiple savings accounts. Many people also like having multiple bank accounts due to one or another reason.

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      Mentions: Robert Williams
    11. How to contact the IRS if you haven't received your refund

      How to contact the IRS if you haven't received your refund

      Learn how to contact the IRS if you haven't received your refund, because there could be an error.  In most cases, you'll get your tax refund automatically within 21 days of submitting an electronic tax return. In some cases, however, it can take longer. You'll have to contact the IRS if you haven't received your refund, which requires some web browsing and possibly a phone call.

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      Mentions: Robert Williams
    12. I Earn Too Much Money for a Roth IRA. What Are My Options?

      I Earn Too Much Money for a Roth IRA. What Are My Options?

      When it comes to tax-advantaged retirement plans, Roth IRAs lead the pack in many regards. Though these accounts don't offer immediate tax savings on the contributions you make, the money you put into a Roth IRA gets to grow tax-free, and withdrawals are all yours during retirement -- the IRS isn't entitled to a portion of that money. Furthermore, Roth IRAs don't impose required minimum distributions , or RMDs, which otherwise force you to withdraw funds from your savings once you turn 70 1/2.

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      Mentions: Robert Williams
    13. Life insurance is one of the best tools for protecting your family's future — and the younger you are, the cheaper it is

      Life insurance is one of the best tools for protecting your family's future — and the younger you are, the cheaper it is

      A life insurance policy can replace income, help pay off debt , or provide a savings cushion for your dependents if you die prematurely. Usually, the younger you are when you buy a life insurance policy , the cheaper it is, regardless of the amount of coverage. From the time the first monthly premium is paid until the last, the beneficiary of the policy is entitled to the full amount of coverage, called the death benefit, if the policyholder dies.

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    14. How long will $1 million last in retirement? Is there a magic number?

      How long will $1 million last in retirement? Is there a magic number?

      A financially successful retirement is dependent upon hundreds of variables, some within our control and others beyond our management. Nevertheless, a frame of reference can at least offer a starting point.  That leads us to the magic question, “How long will $1 million last in retirement?” The easiest do-it-yourself solution to translate to a spendable asset is to take your nest egg and divide by retirement time horizon. i.e.

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    15. Women Are More Likely to Struggle in Retirement Than Men, Survey Shows

      Women Are More Likely to Struggle in Retirement Than Men, Survey Shows

      Women Are More Likely to Struggle in Retirement Than Men, Survey Shows newsfeedback@fool.com (Katie Brockman) Save The average American is struggling to prepare for retirement. Half of adults age 55 and older have no retirement savings at all, according to a report from the U.S. Government Accountability Office , and three-quarters of Americans aren't entirely sure that Social Security will be available once they retire, a survey from Northwestern Mutual found .

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    16. Fewer employers offering high-deductible plans as only option

      Fewer employers offering high-deductible plans as only option

       Fewer large, self-insured employers will offer a high-deductible health plan as the only employee insurance option next year, opting instead to give employees more choice when it comes to health coverage. For the second straight year, the percentage of large companies offering only a high-deductible health plan with an attached savings account is projected to decrease to a quarter of employers in 2020, down from 30% in 2019 and 39% in 2018, according to the National Business Group on Health's annual survey of employers' healthcare strategies and plan designs. That trend was first observed in last ...

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    17. How to Start a 401(k)

      How to Start a 401(k)

      No matter when you plan to leave the workforce, one important thing you should know is that your retirement isn't going to pay for itself. Unless you have a pension through your employer (which most workers today don't), you'll need to save aggressively for your golden years. Enter the 401(k) . A 401(k) is a retirement plan that allows individual employees to save for the future by choosing from a number of different investment options .

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    18. The most common tax problems for 2020

      The most common tax problems for 2020

      With more freelancers than ever before, this also means more taxpayers will be required to pay quarterly estimated taxes for the 2019 tax year. Unfortunately, some people are not aware that they have to do this, or don’t know how and when to make their payments.A failure to pay quarterly estimated taxes does a couple of things. First off, it leaves the taxpayer with a massive tax bill come April. Secondly, it can actually trigger late fees and interest on top of the base tax figure.

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      Mentions: Robert Williams
    19. Study: Medicare For All Would Require Huge Tax Hikes On Middle Class

      Study: Medicare For All Would Require Huge Tax Hikes On Middle Class

      Sen. Bernie Sanders’ recently released Medicare for All (M4A) plan would cost approximately $30–$40 trillion over the next decade. When most Americans hear massive projections like this, their eyes gloss over—or roll into the back of their heads. It is difficult for a person to grasp how much $30 trillion actually is.

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    20. Copious Insurance Solutions - Protecting What is Important in Your Life

      Copious Insurance Solutions - Protecting What is Important in Your Life

      Would you like to protect yourself, your spouse, your family and/or your employees? Do you want benefits that suit your needs at an affordable premium? We can help you! Allow our insurance experts to simplify the process for you, educate you on what is available and find what works best for you and your budget. We pride ourselves on providing timely and professional communication and elite service at no additional cost to you.

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