1. Articles from forbes.com

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    1. 529 ABLE Accounts: Helping End Forced Poverty For Disabled Individuals

      529 ABLE Accounts: Helping End Forced Poverty For Disabled Individuals

      Living with a disability comes with all kinds of challenges, but the financial impact of being unable to work can be absolutely devastating. Imagine not being able to support yourself due to your disability, but also not being able to save money so you can continue qualifying for government aid including Supplemental Security Income (SSI).

      To qualify for SSI, your countable resources must not be worth more than $2,000 for an individual or $3,000 for a couple.

      Read Full Article
    2. Now, California Can Assess Taxes No Matter Where You Live...Really

      Now, California Can Assess Taxes No Matter Where You Live...Really

      If you live in California, you probably know how aggressive California’s state tax agency can be. In fact, even if you live somewhere else, you might have heard of the Golden State’s aggressive tax rules. Buy a vacation home in California, and stay a little too long? Come into the state and do some work for your non-California employer? Travel to California trying to sell some products or collect data that you’ll use out of state when you get back home?

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    3. 4 Common Mistakes During Open Enrollment That Could Hurt Your Financial Wellness

      4 Common Mistakes During Open Enrollment That Could Hurt Your Financial Wellness

      Fall is a time of leaves changing colors, children going back to school, families enjoying Thanksgiving dinners, and… open enrollment. Yes, it’s the opportunity for most employees to select which benefits they will choose for the following year. Here are some of the most common mistakes we see people make: Not fully understanding the value of an HSA-eligible health insurance plan.

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    4. 5 Challenges To Consider With Upcoming Medicare Open Enrollment

      5 Challenges To Consider With Upcoming Medicare Open Enrollment

      Are you ready for Medicare’s Open Enrollment? It’s coming soon, running from October 15 through December 7. If you’re age 65 or older and are eligible for Medicare, you have a golden opportunity to choose wisely regarding your coverage or correct any previous mistakes you might have made regarding your Medicare elections. You also have a chance to upgrade your coverage for 2020 and potentially save lots of money.

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    5. Young Adults Take “Risky” Actions To Save On Health Care Costs

      Young Adults Take “Risky” Actions To Save On Health Care Costs

      Much of the news about health care costs focuses on the assets required to cover health care costs in retirement. HealthView Services 2018 Retirement Healthcare Costs Data Report estimates that a 65-year old couple in good health will need $363,946 to pay for health-care costs for the remainder of their lives, including Medicare and supplemental insurance premiums and out-of-pocket costs. However, people nearing retirement aren’t the only ones concerned with the cost of health care.

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    6. Avoiding The Long-Term-Care Catastrophe

      Avoiding The Long-Term-Care Catastrophe

      Bruce Chernoff was right when he told the Washington Post that the long-term-care crisis in the United States will be catastrophic. Our aging population and changing demographics mean that we are becoming a nation with substantially more older people in need of care and substantially fewer younger people to provide it. The Washington Post article , while frightening in its content, is a relief in many ways as it means that at last there is a beginning of a consciousness of what our future holds.

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    7. A Solution To The Student Loan Crisis May Be On The Horizon

      A Solution To The Student Loan Crisis May Be On The Horizon

      I’ve talked about student loan debt before, and I bring it up again because it continues to be one of the greatest financial crises in the country. Many solutions have been discussed—from full loan forgiveness to tuition payment plans to simple tough love—but few steps have been taken to lower the student loan burden that’s crushing the (mostly) millennial generation. However, change may finally be coming. What’s happening now?

      Read Full Article
    8. How Congress Can Address The Mental Health Issue Of Mass Shootings

      How Congress Can Address The Mental Health Issue Of Mass Shootings

      Sandy Hook, Parkland, Orlando, Virginia Beach and now the Gilroy Garlic Festival shooting evoke painful memories of terrible violence and innocent deaths. Our nation reacts with memorials, discussions of access to firearms, followed by increased funding for safety measures such as armed guards, cameras and bullet proof glass at secure entrances. But far more needs to be addressed than just stopping the bullet. Tragedies grab headlines, but hardly tell the full story.

      Read Full Article
    9. How Business Owners Can Lower Their Tax Bills Via Retirement Planning

      How Business Owners Can Lower Their Tax Bills Via Retirement Planning

      Are you a small business owner, a contractor or a freelancer—and in a high tax bracket? Well, why stay there? You can use retirement planning to lower your tax liability. The idea is to plug in a lot of money to retirement funds, allowing you to build your post-work future and also to whittle down your net income, and thus minimize what you owe the Internal Revenue Service. Not a lot of people know about this. More should. Let’s show this by way of an illustration.

      Read Full Article
    10. HSAs Provide A Sweet Tax Break, But Some May Increase Health Care Spending

      HSAs Provide A Sweet Tax Break, But Some May Increase Health Care Spending

      The idea behind HSAs was simple and elegant, in its way. Give workers generous tax breaks to put aside money to help pay for their health care. That in turn would make it easier for employers to offer those employees high-deductible health plans. The high-deductible plans put more of the burden on consumers, rather than insurance companies, to pay those first-dollar costs. In theory, the combination of HSAs and high-deductible insurance would encourage patients to reduce their medical spending and eventually lower the nation’s overall health costs.

      Read Full Article
    11. How To Maximize The Value Of Your Health Savings Account

      How To Maximize The Value Of Your Health Savings Account

      Healthcare in the U.S. can be insanely expensive no matter how healthy you are, yet having health insurance doesn’t always help with long-term costs. After all, the lowest tier of health insurance plans — which are referred to as “Bronze” plans — only cover 60% of healthcare expenses, according to Healthcare.gov. Plus, health insurance plans in 2019 come with a maximum out-of-pocket limit of $7,900 for individuals and $15,800 for families.

      Read Full Article
    12. Social Security Needs More Revenue, Not Cuts

      Social Security Needs More Revenue, Not Cuts

      There is no way to get to anything resembling a secure retirement system without expanding Social Security. We also need to fix the broken employer-based retirement system, but fixing pensions and expanding Social Security are not substitutes. A comprehensive retirement security bill needs both. Let’s start with Social Security. Social Security is a social insurance program. Workers and employers pay premiums to insure against disability and death. What's more, the system is progressive.

      Read Full Article
    13. 7 Ways To Make The Best Use Of Your Tax Refund

      7 Ways To Make The Best Use Of Your Tax Refund

      Did you get a smaller tax refund this year? If so, you’re not alone . However, the average tax refund this year was still a good $3,000. Whether your refund is more, less, or about what you expected, the key is to make the best use of it. Here are some options to consider in general order of priority: 1) Get caught up on old bills. For many of the people we talk to on our financial coaching line, a tax refund can be a lifeline to get caught up on overdue mortgage payments and other bills.

      Read Full Article
    14. Is A Solo 401(k) Or An SEP-IRA Better For A Small Business With No Employees?

      Is A Solo 401(k) Or An SEP-IRA Better For A Small Business With No Employees?

      Now that this tax season is over, it’s time to start planning for the next one. If you own a small business, this means you. The U.S. Small Business Administration reports the number of small businesses with no employees increased from 15.4 million in 1997 to 23.8 million in 2014. A business without any employees has a different calculus when it comes to deciding on a retirement plan.

      Read Full Article
    15. The Big Millennial Life Insurance Gap

      The Big Millennial Life Insurance Gap

      Only 10% of Millennials say they have enough life insurance in place to cover self-reported needs should they die, putting their family members at risk. That’s the sobering news from New York Life’s 2018 Life Insurance Gap Survey. Millennials with life insurance have an average of $100,000 in life insurance protection in place, enough to cover one fifth (22%) of their self-reported coverage needs of $452,000. That’s a coverage shortfall of $352,000.

      Read Full Article
    16. As Democrats Talk Single Payer, Private Medicare Advantage Soars

      As Democrats Talk Single Payer, Private Medicare Advantage Soars

      Health insurers are reporting unprecedented growth in the number of seniors flocking to private Medicare Advantage plans amid talk of a single payer government-run approach that could uproot such coverage.

      The same week U.S. Sen. Kamala Harris (D-California) made news with her support for “Medicare for All,” insurers Anthem and Cigna reported strong growth from Medicare Advantage, private coverage sold via contracts with the federal government.

      Read Full Article
    17. 10 Retirement Resolutions For 2019

      10 Retirement Resolutions For 2019

      If you're planning to make New Year's resolutions for 2019, there's a good chance at least one of them will be related to your finances. Money management issues like big credit card bills or a small savings account balance may be more top of mind on a day-to-day basis, but the beginning of a new year is a great time to tackle more long-term goals like retirement. Here are some retirement-related action steps to consider resolving to do next year: 1) Contribute to a Roth IRA.

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    1-24 of 185 1 2 3 4 5 6 7 8 »
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