1. Articles from Kiplinger

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    1. How Much Can You Contribute to a 401(k) for 2019?

      How Much Can You Contribute to a 401(k) for 2019?

      The maximum amount workers can contribute to a 401(k) for 2019 is $19,000 if they’re younger than age 50. That’s a $500 increase from 2018. Workers age 50 and older can add an extra $6,000 per year in “catch-up” contributions, bringing their total 401(k) contributions for 2019 to $25,000. Contributions to a 401(k) are generally due by the end of the calendar year.

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    2. New Rules on Capital Gains

      New Rules on Capital Gains

      The rates didn’t change, but they’re pegged to your income instead of your tax bracket. For 2018, you’ll pay 0% on long-term capital gains (investments held longer than a year) if your taxable income is below $38,600 for single filers, $51,700 for heads of household or $77,200 for joint filers. You’ll pay the 15% rate for taxable income up to $425,800 for singles, $452,400 for heads of household or $479,000 for joint filers. Above those income levels, the rate is 20%. You may owe state taxes, too, and high earners may also have a 3.8% net investment income tax, says Mark Luscombe of Wolters Kluwer Tax & Accounting.

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    3. Finding Health Insurance Before Medicare

      Finding Health Insurance Before Medicare

      Eric Galler retired early, but he has a big job ahead of him: finding high-quality health insurance for less than a king’s ransom.
      This year, Galler is paying $17,000 in premiums for a plan that covers himself, his wife and his 20-year-old son—and that’s with a $13,000 deductible. In the past two years, the premium has climbed more than 40%, and the deductible has roughly doubled. “Inflation has been through the roof,” says Galler, a former General Mills executive.

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    4. Top 10 Retirement Tips for Millennials

      Top 10 Retirement Tips for Millennials

      As you watch your now-adult children venture out into the real world, though, you may see them focusing almost entirely on their financial needs in the here-and-now — paying the rent, determining just how much health or renters insurance they can afford, etc. While learning how to manage their financial needs now is important, though, they also need guidance about how to secure their future.

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    5. The Advantages of a Tax-Free Transfer From an IRA to Charity

      The Advantages of a Tax-Free Transfer From an IRA to Charity

      Ask Kim The Advantages of a Tax-Free Transfer From an IRA to Charity Besides benefiting the charity, you may save a bundle on income taxes, as well as stay below the income cutoff for some other taxes and charges. iStockphoto By Kimberly Lankford , Contributing Editor May 12, 2017 Q I’m 70 ½ and need to start taking required minimum distributions from my retirement accounts. I know I can make a tax-free transfer from my IRA to charity and have that count as my RMD.

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    6. 6 Estate Planning Tips for Those Approaching Death

      6 Estate Planning Tips for Those Approaching Death

      Expert Insights for Smart Financial Planning 6 Estate Planning Tips for Those Approaching Death Consider taking some last-minute action to save your beneficiaries from having to deal with extra costs.  If you (or a loved one) are entering hospice or close to life's end, you may need to act quickly to prevent unnecessary legal, tax and other costs on your estate. Planning is also critical to provide peace of mind for both you and your family. Here are some of the key concerns to consider.

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    7. Why Guaranteed Income for Life Doesn't Always Offer the Best Retirement Options

      Why Guaranteed Income for Life Doesn't Always Offer the Best Retirement Options

      Expert Insights for Smart Financial Planning Why Guaranteed Income for Life Doesn't Always Offer the Best Retirement Options Focusing on accumulating assets may give you opportunities to benefit from government tax incentives and programs, and to transfer wealth to loved ones. print Today's retirees are probably the last generation that will benefit from reasonable lifelong pensions.

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    8. A Retiree's Guide to Key Dates in 2016

      A Retiree's Guide to Key Dates in 2016

      Missing a deadline could be costly. After the New Year festivities are over, it's time to turn to your 2016 calendar. In the year ahead, numerous deadlines loom -- from tax payments to health-plan enrollment. Miss one, and it can cost you. We've made life a little easier by noting many of the most important dates. You can print out these pages and post them on your fridge. Or add these dates to an online calendar and set reminders.

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    9. How to Deduct Medical Expenses on Your Tax Return

      How to Deduct Medical Expenses on Your Tax Return

      If you itemize deductions and have hefty out-of-pocket medical expenses, you may qualify for a tax break next spring. 2015 has been a rough year. I’ve had multiple surgeries and a couple ER visits, in addition to all our regular copays for doctor visits and prescription drugs. And it’s only July! Can I at least look forward to getting a tax break for all these medical expenses when I file my return next spring?

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    10. 10 Great Places to Retire in 2015

      10 Great Places to Retire in 2015

      We came up with 10 great spots from coast to coast so you can choose the one with the features you value most. Maybe you like the idea of retiring to a town where you'll never wield a snow shovel again. Or trading your pricey home in a high-tax area for a more affordable city. Or ditching the suburban cul-de-sac for an urban neighborhood. Our dream retirement places run the gamut: big and small, north and south, mountains and seashore, coast to coast.

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    11. 10 Financial To-Dos for Newlyweds

      10 Financial To-Dos for Newlyweds

      I just got married. What do my husband and I need to do about taxes, insurance and other financial decisions? Newlyweds need to work together to make key decisions about their financial strategies and future goals. But you and your spouse should also take steps right away to take advantage of valuable benefits available to married couples. Here's what you can do to save money and protect your finances.

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    12. 12 Smart Year-End Tax Moves for 2012

      12 Smart Year-End Tax Moves for 2012

      Year-end tax planning is stressful under ordinary circumstances, and this year is anything but ordinary. Unless Congress reaches an agreement by December 31, tax rates on wages and investments will rise, the exemption from the estate tax will shrink, and dozens of tax breaks will disappear. 

      Without a compromise, nearly 90% of Americans will pay higher taxes next year, and the average household’s tax bill will increase by $3,500, according to an analysis by the Tax Policy Center. 

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    1-26 of 26
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