(NAPSI)—April 15 is a date many Americans view with some hesitation as they endure the paperwork needed to file their taxes. But with almost 75 percent of Americans receiving an average annual refund of $3,000, there is positive news for most. And many consumers find this a good reminder to annually update other financial records.
(NAPSI)—College can be expensive but it can also pay off in two ways. First, college graduates earn, on average, nearly a million dollars more over a lifetime than non-college graduates, the Census Bureau reports. Second, the money you invest now for a future college education may enjoy tax-free growth or other tax advantages. Here are seven smart reasons to save:
(BPT) - Ever wonder how the Internal Revenue Service selects which taxpayers to audit? Well, it isn’t always a matter of chance. There are certain factors that can make your tax return stand out from the rest.
(BPT) - Did you know self-directed IRAs allow Americans to invest in assets other than stocks and bonds, while enjoying the tax-free or tax-deferred status of their retirement account? Very few Americans realize that they have the option to self-direct their IRAs, or other retirement plans, into real estate and other alternative assets. Most investors believe that the only IRA investment options are bank CDs, the stock market or mutual funds - often because of inaccurate information from their current IRA custodian.
(BPT) - As the weather warms, car buying season gets into full swing. Even though interest rates are still at or near record lows, there are additional ways smart buyers are saving even more cash on their next vehicle and staying within their budgets.
(NAPSI)—Young men in the United States often find turning 18 can bring a number of opportunities. It also brings an important obligation-registering with Selective Service.
(NAPSI)—Recent headlines have described a series of dramatic movements in the financial markets. While many of those movements impact stock prices, as well as what we pay for groceries, gas or loan rates, not everyone really understands how it all works.
(NAPSI)—Investors can sometimes overlook signs that indicate an offer really is too good to be true. This can leave them vulnerable to fraud and financial predators.
(NAPSI)—If you ever feel your finances are too stretched to save for retirement, there could be good news for you. The Saver’s Credit—a little-known tax credit made available by the IRS to low- to moderate-income workers-could make saving for retirement more affordable than you think. It may reduce your federal income taxes when you save for retirement through a qualified retirement plan or an individual retirement account (IRA).
(BPT) - Your wedding is supposed to be a magical day you remember for the rest of your life. It also is sure to be one of the most expensive days of your life. From the dress to the catering to the photographer, the average wedding costs nearly $30,000. With all that money and emotion on the line, you want to do everything you can to ensure this special day goes flawlessly.
(StatePoint) If you’re fortunate enough to receive a refund this tax season, it’s time to think about sensible uses for the extra income so, as Grandpa used to say, “it doesn’t burn a hole in your pocket.”
(BPT) - In the next few months, high school seniors across the country will be anxiously checking mailboxes for college acceptance letters. With two-thirds of recent high school grads enrolling in college as of 2012, according to the Bureau of Labor Statistics, it is the first step on a journey towards personal and financial independence for many Americans. Whether an incoming freshman, soon to be senior or recent grad, it is never too early to get financially fit. The key to success is to make the process fun and manageable.
(NewsUSA) - We can all agree that filing taxes can be confusing. Asking questions or web searching for answers only leads to more confusion and misconceptions because when it comes to taxes, one standard answer does not always fit all.
(BPT) - To itemize or not to itemize, deductions, exemptions, interest income and capital gains – you have a lot to think about when you’re doing your taxes. While you’re preparing your return, don’t overlook a consideration that’s every bit as important as whether you owe or are due a refund – tax-related identity theft.
(NAPSI)—There is good news for veterans. A successful franchise operation believes the skills that military veterans gained during service have prepared them to be successful franchise business owners. Because of this, the company, Home Franchise Concepts (HFC), has created an opportunity that makes it easier for veterans to own a franchise.
(NAPSI)—Perhaps one of the best-kept secrets for staying happy and efficient at your job may be what you do outside office walls.
(BPT) - Anyone over a certain age has heard about the “the three Rs” of education - reading, writing and arithmetic. The thinking is that if you graduate from school knowing how to read, write and solve basic math problems, you’ll have the fundamentals for a successful life. But these days much more is required, especially when it comes to making sure you have the financial resources to take care of yourself and your family.
(BPT) - Small businesses comprise approximately 50 percent of the total working U.S. population. In 2011, non-employer small businesses alone generated $989.6 billion total revenues, according to Business Insider. Small businesses are vital to a thriving local community, a successful national economy and credited with establishing an overarching entrepreneurial spirit.
(BPT) - Long term financial planning can be daunting for many Americans, however, Prudential’s 2014 Hispanic American Finance Experience survey indicates that the Hispanic community may face distinct challenges. According to a recent survey on how Hispanic Americans manage their finances, the Hispanic American community places a high priority on short-term goals like supporting family and paying down debt which can come at the expense of building savings and investing for retirement. Although laudable, these cultural characteristics may also be a double-edged sword that competes with the Hispanic American community’s ability to save and invest toward retirement.
(NAPSI)—Small businesses play a big role in the U.S. economy. That’s the word from the U.S. Small Business Administration, which reports that the U.S. is home to over 28 million small businesses.
(NAPSI)—Whether you have a disability or are helping a family member get assistance, it’s easy to be overwhelmed by the number of disability programs and services that are available nationwide. There is a solution for you. Simply visit Disability.gov, the federal government’s website for people with disabilities and their families, to find information across 10 topics: Benefits, Civil Rights, Community Life, Education, Emergency Preparedness, Health, Employment, Housing, Technology and Transportation.
(NAPSI)—The health of your wealth may depend on how well you understand the Affordable Care Act and the changes it creates for federal taxes.
(BPT) - Read enough about the state of Americans’ finances and you might get the impression that the average consumer is fairly clueless when it comes to making good money decisions. But a new survey indicates that Americans are more credit-savvy than you might think about how and when to use one of the most-maligned types of credit: payday loans.
(NewsUSA) - Time to start worrying what your RPM score is?
Taxes can be, well, taxing. But there’s a simple, easy way to do your federal taxes, and it’s all for free. It’s called Free File.
(BPT) - Eye protection may not be a top priority for people when they are going about their daily lives, but it should be. Protecting your sense of sight is extremely important and often overlooked. All individuals should protect their eyes so they can stay sharp whether they’re on a snowy mountain-top, watching a football game, or simply driving to work.
(NewsUSA) - This tax season, the National Association of Enrolled Agents (NAEA) suggests using a checklist to make sure you have everything you need when visiting your tax professional.
(BPT) - Social Security is a hot topic these days. Unfortunately, many Americans are still in the dark when it comes to planning for Social Security. And that could have significant consequences.
(BPT) - Several key tax law changes in the Affordable Care Act have been implemented in 2013 and 2014. The impact of those changes on federal tax returns due April 15, 2014 and 2015 hinge mainly on your household's adjusted gross income (AGI) and health insurance situation.
(NAPSI)—There’s good news for online shoppers who want more security when shopping at an unfamiliar website.
(BPT) - Dental health is essential to overall health, affecting everything from our hearts to our mental well-being. Yet despite ample research that underscores the importance of taking care of our teeth, millions of Americans never go to the dentist. A lack of dental insurance is one of the top reasons Americans don’t keep up with their dental care.
(BPT) - Millions of Americans get a refund on their taxes each year. If you are one of them, why not use part of your refund to save for the future with a Series I Savings Bond from the U.S. Department of the Treasury? You can invest as little as $50 in this affordable, safe and convenient savings option, which can help you meet your long-term savings goals and build a brighter future.
(BPT) - Consumer knowledge about credit scoring remains a challenge. In fact, nearly half of Americans still don’t know that mortgage companies use credit scores when making decisions about credit availability and pricing, according to a 2013 survey by the Consumer Federation of America and VantageScore Solutions, a credit score model developer. Even if you do understand the importance of a credit score, you may still wonder why yours isn’t higher.
(NAPSI)—According to a recent Federal Deposit Insurance Corporation (FDIC) survey, more than 68 million Americans live day to day in a cash-only economy. They pay their bills and buy groceries with cash and what money they save is stuffed under the proverbial mattress.
(NAPSI)—Finding ways to save and turn problems into profits is a key quality that’s shared by successful small businesses that have found a way to separate themselves from the rest of the pack.
(NAPSI)—If you or someone you know is looking for a new school for a child for the 2014−2015 school year, now is the time to begin researching your options.
(StatePoint) Not long after graduation, the daunting financial reality for many college grads sets it. There is approximately $1 trillion in total outstanding student loan debt in the United States, according to the Consumer Finance Protection Bureau.
(BPT) - The new year is widely associated with personal resolutions for self-improvement that range from physical fitness to cutting out vices. For many, the goal of returning to school to earn a college degree provides the opportunity for impactful, long-lasting change and a more fulfilling life and career.
(BPT) - As a new year unfolds, many people resolve to kick bad habits and take better care of their health and their finances. After a few late payments, messy receipt folders and carefree budgeting, it’s time to make your personal finances a priority. It may feel like you don’t have enough time in your hectic life to sit down and manage your money, but with a few secret weapons you can organize your personal finances like a professional in no time at all, from wherever your busy day may take you.
(BPT) - Myths and folklore endlessly evolve as cultures change, technologies emerge and societies grow. Some myths – like the one that warns against washing Pop Rocks down with Coke – are chuckle-worthy. Others, such as fallacies about how credit scores work, can be downright detrimental.
(NAPSI)—As Indonesia prepares for the most important elections in the country’s history, technical problems and political corruption threaten the credibility of the fast approaching polls. The 2014 legislative and presidential elections will be just the fourth national poll for the world’s fourth most populous country in the 15 years since the fall of the dictatorial Suharto regime. Accommodating for nearly 200 million voters spread over 17,000 islands in the Southeast Asian nation is a monumental task. However, the 2004 elections were widely viewed as free and fair while the 2009 polls faced problems but managed to get a passing grade by most international observers. For the 2014 cycle, the challenges and accusations of manipulation are mounting by the day to an unprecedented level while the stakes to conduct free and fair elections could not be higher.
(NAPSI)—There is good news for adults who are about to retire. There is a new Web-based talk show designed to give them fresh perspectives on aging and creative ways to approach their lives in retirement.
(NAPSI)—An annual conference that brings together educators from around the globe to share, network, learn, and improve their practice will be held in Los Angeles, California, March 15-17, 2014.
(NewsUSA) - Although you may not have received all of your tax documents yet, it's not too early to start looking for someone to prepare your tax return. Remember, not all tax preparers are created equal. So, when shopping around, ask yourself a few important questions:
(BPT) - With the holidays past and a new year upon us, now is the time for Americans to focus on their 2014 resolutions. And while fitness goals often top the list of New Year’s resolutions, diet and exercise aren’t the only ways to get back into shape. This year, do yourself and your loved ones a favor by getting financially fit as well.
(NAPSI)—There’s good news for homeowners who want to reduce their energy costs. With a little bit of homework, savings are possible.
Whether you’re wrapping up end-of-year paperwork, getting ready to create your 2014 budget, or preparing for tax season, something about this time of year inspires financial introspection. While you’re evaluating your own financial well-being – including your credit status – it may be helpful to know how other Americans are doing. The latest iteration of a popular credit study indicates that while Americans are doing well overall credit-wise, younger generations could stand to work on improving their credit habits.
(BPT) - With the start of the new year, millions of Americans will have access to health coverage for the first time or have improved coverage because of the health care law. There are steps you can take now to ensure you have access to coverage beginning Jan. 1.