1. Articles in category: Financial

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    1. Census: 30% of Inland Empire late on rent, 17% in Los Angeles-Orange County – Whittier Daily News

      Census: 30% of Inland Empire late on rent, 17% in Los Angeles-Orange County – Whittier Daily News

      The pandemic’s economic pain has battered renters far more than it has homeowners as some fresh data from the U.S. Census Bureau reminds us.

      In Riverside and San Bernardino counties, 336,000 adults live in households that are behind on rent due in the week ended Aug. 31, according to the bureau. That’s 30% of all Inland Empire tenants and almost twice the rate in Los Angeles and Orange counties where 537,000 who live in rentals were late payers — 17% of all tenants.

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    2. Fed makes its last stand in struggle to keep potent in age of low interest rates - MarketWatch

      Fed makes its last stand in struggle to keep potent in age of low interest rates - MarketWatch

      The Federal Reserve has said for some time that it didn’t want to become impotent with its policy rate stuck at zero. Now we know their plan of action to avoid this outcome.

      On Wednesday, the Fed rolled out of the final details of its new strategy, promising to allow inflation to overshoot its 2% target and setting a relatively strict criteria for the next interest-rate hike.

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      Mentions: Federal Reserve
    3. How To Qualify for Medicare

      How To Qualify for Medicare

      With the rising costs of healthcare, many people look for ways to reduce expenses while still getting the medical coverage they need. As we age, As we age, Medicare is one available option that can make things more affordable. Photo: iStock Many people think that you just need to reach the magical age of 65 to be eligible for Medicare. But, several other criteria come into play that even allows younger people to qualify.

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    4. What Is A 401(k) Retirement Plan?: A Beginner's Guide

      What Is A 401(k) Retirement Plan?: A Beginner's Guide

      401(k) retirement plan is an employer-sponsored retirement plan, which means that it’s funded in cooperation with your employer. There are two types of employer-sponsored retirement plans: a “defined-benefit plan” and a “defined-contribution” plan. A 401(k) is a defined-contribution plan (while a pension is considered a defined-benefit plan).

      Here’s how a 401(k) retirement plan works. If you work for a company that offers a 401(k), you can contribute a portion of your salary to the account every year. The money that you put into the account is invested by a third-party so the account earns a higher amount of interest over time.

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    5. The CARES Act changed all of the rules about 401(k) withdrawals. Here's everything you need to know - Cnet

      The CARES Act changed all of the rules about 401(k) withdrawals. Here's everything you need to know - Cnet

      In addition to giving Americans a one-time stimulus payment and paving the way for expanded unemployment benefits, the CARES Act has temporarily changed the rules about withdrawing money from retirement accounts. You can now take penalty-free withdrawals from your IRA or 401(k) up to $100,000 without facing the usual early withdrawal fees. 

      The CARES Act allows you to withdraw up to $100,000 from your retirement account -- penalty-free -- until the end of 2020. So far, relatively few Americans have taken advantage of this new exemption: The Investment Company Institute reports that less than 3% of retirement plan owners made early withdrawals so far this year.

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    6. US Covid Economic Rebound Becomes More Fragile With Aid on the Brink - Bloomberg

      US Covid Economic Rebound Becomes More Fragile With Aid on the Brink - Bloomberg

      America’s economic rebound is about to get a lot tougher after an initial series of gains from the depths of the pandemic.

      Applications for regular state unemployment benefits continue to number more than 800,000 each week and chances in Congress diminished for additional support for the jobless and businesses on Thursday. What’s more, funding for the temporary supplemental jobless benefit payments authorized by President Donald Trump in early August is running out.

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    7. Medicare Part D: Three factors that could save you money

      Medicare Part D: Three factors that could save you money

      Many people are surprised to find out that Original Medicare doesn’t generally cover prescription drugs. For help with the cost of your medications, you can choose a stand-alone Part D plan or a Medicare Advantage plan with prescription drug coverage.

      With Medicare Annual Enrollment fast approaching from Oct. 15 to Dec. 7 — the yearly window when you can make changes to your Medicare coverage — now is a good time to arm yourself with information to help you make an empowered decision this fall.

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    8. Millennial Money: Is moving now your best financial move?

      Millennial Money: Is moving now your best financial move?

      You may not have started 2020 thinking about a move. But like it or not, many of us have had to reconsider our living situations during the pandemic. Maybe you’re one of the lucky ones who can now work remotely, or maybe you’re out of a job like millions of others. You may be wondering whether living where you are is really worth it anymore. Before you decide to relocate, you have many things to consider: the cost of living, proximity to your loved ones — and whether you’ll need a winter coat.

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    9. What Is Long-term Care Insurance, and Do You Need It?

      What Is Long-term Care Insurance, and Do You Need It?

      The No. 1 retirement worry is running out of money and one of the least controllable areas is our health," says McMillan, who also sits on the Personal Financial Specialist Committee of the American Institute of CPAs . For people in their 50s and 60s, now is the time to make important and often hard financial decisions about long-term care. Can you simply save as much as possible for retirement and hope there's enough left over to cover nursing homes or home health aides?

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    10. Improvement in coronavirus mortgage bailout stalls

      Improvement in coronavirus mortgage bailout stalls

      As of Aug. 25, 3.9 million homeowners were in mortgage forbearance programs, according to Black Knight, a mortgage technology and analytics firm. This represents 7.4% of all active mortgages and is unchanged from the week before. The numbers have not improved in the past two weeks.

      More concerning is that close to three-quarters of those in forbearance have had their terms extended from the initial three-month period. This suggests that their financial situations are not improving, and they are still unable to make their monthly payments. Another survey from the Mortgage Bankers Association also showed the rate of improvement slowing markedly.

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      Mentions: coronavirus
    11. Improving the Detection of Medicare Fraud

      Improving the Detection of Medicare Fraud

      Hospitals and other healthcare provider organizations can help prevent Medicare fraud by "having robust processes in place for employees to report fraud," says fraud mitigation expert Louis Rossignuolo, managing director of investigations at Altomonte Advisory Group.

      Healthcare organizations need to train staff how to spot fraud and stress the importance of immediately reporting it, Rossingnuolo, who formerly served as a government investigator, says in an interview with Information Security Media Group.

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    12. How to Lower Your Required Minimum Distributions

      How to Lower Your Required Minimum Distributions

      retirement How to Lower Your Required Minimum Distributions Got a big retirement stash? You’ll want to start planning now so you don’t get hit with a huge tax bill later. 4. How to Lower Your Required Minimum Distributions Getty Images If you’ve stashed a lot of money in traditional IRAs or other tax-deferred plans, you can’t leave it there forever.

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    13. This Is How Much Medicare Actually Costs Seniors

      This Is How Much Medicare Actually Costs Seniors

      As folks already on Medicare likely know too well, it does not cover all medical expenses . The federal health insurance program for seniors and some younger folks with disabilities is like any other type of health insurance in that the beneficiaries are responsible for certain costs. And a recent analysis shows just how much Americans with traditional Medicare spend on these out-of-pocket expenses.

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    14. 12 million have lost employer-sponsored health insurance during pandemic

      12 million have lost employer-sponsored health insurance during pandemic

      The coronavirus is not only deadly, it's also leaving many Americans without medical coverage as the unemployment rate continues to surge. Since the pandemic hit the U.S., more than 6 million Americans have lost health insurance they'd previously had through their work. And when you take into account spouses and children, the number of those affected climbs to more than 12 million, according to new research .

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    15. Medicare open enrollment is coming up. Three steps to save money this fall

      Medicare open enrollment is coming up. Three steps to save money this fall
      • Open enrollment for Medicare Advantage plans and Part D prescription coverage starts on Oct. 15 and ends on Dec. 7.
      • Resist the temptation to automatically reenroll in the plan you have. Doctors and networks can change. Failure to keep up with these changes could lead to higher costs.
      • Every September, plans send out an “annual notice of change” to members, which will spell out changes in coverage, costs and service effective next year.
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    16. Preparing for Retirement: Financial Surprises You May Not Have Anticipated

      Preparing for Retirement: Financial Surprises You May Not Have Anticipated

      Living in retirement comes with twists and turns, no matter when you retire. But life has been particularly chaotic for retirees of late. Former Kiplinger's editor and current retiree Janet Bodnar joins the show, to tell us how retirees can navigate turbulent times, in our main segment. On today's show, Sandy and I remind you to reverse your required minimum distributions (RMDs) before the imminent deadline. And the new edition of Wild Pitches, features folks moving out of state, and used private jets. That's all ahead on this episode of Your Money's Worth. Stick around. 

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    17. A Paycheck For Everyone Whether You Work Or Not?

      A Paycheck For Everyone Whether You Work Or Not?

      It’s called universal basic income, and the idea is gaining ground here and in Europe, especially with Covid-19 hitting economies so hard. The government would pay every adult a certain amount of money every month, whether you work or not. Democratic party activists love the idea. So do some Republicans. The Pope came out in favor of the notion. A candidate for the Democratic presidential nomination, Andrew Yang, advocated paying every adult $1,000 a month.

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      Mentions: Spain Italy
    18. The pros and cons of taking out a 401(k) loan

      The pros and cons of taking out a 401(k) loan

      The pros and cons of taking out a 401(k) loan    If you ever need money in a pinch to cover some unexpected expense, you may look at borrowing from your 401(k) as an option — if getting financing elsewhere isn't possible. Load Error A 401(k) is an employer-sponsored retirement savings plan that lets you set aside pre-tax dollars from your paycheck to help fund your years after you stop working.

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    19. New IRS Tax Disclosure Form Puts Cryptocurrencies Front and Center

      New IRS Tax Disclosure Form Puts Cryptocurrencies Front and Center

      Cryptocurrencies’ role in tax across the United States has been a hot-button issue for a while now. In its recent move to bring the industry under control, the Internal Revenue Service (IRS) recently published a new draft for Form 1040, which would consider whether taxpayers have dealt in cryptocurrencies in the past year.

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    20. Retirement account withdrawals allowed by CARES Act without penalty, but should be last resort, experts say

      Retirement account withdrawals allowed by CARES Act without penalty, but should be last resort, experts say

      Retirement account withdrawals allowed by CARES Act without penalty, but should be last resort, experts say WLS Jason Knowles and Ann Pistone Share: Share: CHICAGO (WLS) -- Currently, under the CARES Act, you can access up to $100,000 from your retirement account and not pay a penalty fee.

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    21. 8 Money Lessons You Must Teach Grandchildren

      8 Money Lessons You Must Teach Grandchildren

      At this time of year, young people across the nation are graduating from high school and college and preparing to take charge of their financial lives. If you listen closely, you can hear wallets groaning from coast to coast. Now, this is not another rant against millennials and other whippersnappers. Americans of all ages are hopelessly behind the curve when it comes to handling money responsibly.

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      Mentions: retirement
    22. Life Insurance Industry Boasts Upbeat Near-Term Prospects

      Life Insurance Industry Boasts Upbeat Near-Term Prospects

      The Zacks Life Insurance industry comprises companies that offer life insurance coverages and retirement benefits to individuals and groups. The products include annuities, whole and term life insurance, accidental death insurance, health insurance, Medicare supplements and long-term healthcare policies. The industry also includes companies providing wealth and asset management solutions.

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