Whether you are an individual and/or business owner, the following 5 tips can save you money in 2019! Maximize 401K deductions for 2019: Unlike IRA’s and SEP’s, 401K contributions can only be deducted in the tax year they are deposited. Taxpayers should check their pay stubs to make sure they are maximizing their 401k limit which is $19,000 for 2019….read more →
The winter is a time when many folks (especially in cold weather states) hibernate and gain weight. Diet fads and quick weight loss schemes rarely work. Changing habits and lifestyle choices are a better way to approach the issue. Be realistic: Setting unrealistic goals that won’t be achieved is a good way to get depressed and gain weight. Set modest…read more →
Why is America the fattest country on earth? Sugar addiction! The food industry has 56 names to disguise sugar. The average American consumes 19.5 teaspoons of “added” sugar/day. One sugar packet= 4 grams of sugar. Here are 7 tips to reduce and/or eliminate added sugar Be wary of foods labeled fat-free: Fat-free foods are usually loaded with sugar to compensate…read more →
5 Reasons why 529’s are a waste of time Unless you are getting other people like grandparents to contribute money to your child’s 529 they are a waste of time for the following reasons: 1. They reduce the amount of endowment “free” money students can qualify for: Ex. With $100,000 in a 529 the first $25,000/year is on you! 2….read more →
Not only is credit a key factor in securing loans, potential employers may review an applicant’s credit and it’s also used to determine auto and homeowners insurance rates you pay. Don’t close old accounts: While this may seem counterintuitive, closing a card may negatively impact your credit. It reduces your credit-to-debt ratio and credit history which lower scores. Ask for…read more →
When people die, it’s not uncommon for their life insurance benefits to remain unclaimed because their beneficiaries didn’t know about the policy. Life insurance companies try to contact beneficiaries however people often move, don’t check their emails and sometimes change their names. Fortunately there are solutions for tracking down policies by using these 6 tips! Search for insurance documents: Look…read more →
Recently I had the pleasure of visiting friends in the far-north reaches of California. While the southern portion of the state is well known for its beaches and metropolitan attractions, northern California holds some notable destinations for travelers who venture north. Here are five attractions I had the pleasure of visiting recently. 1. Mount Shasta: A beautiful mountain town nestled…read more →
Crazy things can happen in split seconds especially with kids back in school. Follow these Hands-Only CPR steps to save a life. It might be yours one day! Take charge & delegate: Have one person call 911 on speakerphone, one wait for the ambulance and one get the AED (external defibrillator). Check their breathing: You want to check their breathing…read more →
For kids, shopping for new gear and supplies may be the coolest part of going back to school. This doesn’t mean you need to “break the bank”. Try these tips to save big money this year. 1. Make a list then check the house first: Go through all closets, utility drawers and storage areas first. You may already have many…read more →
My mother Sharon and I have been enjoying and experimenting with iced coffee for many years now. The picture shows 9 brews in my kitchen cupboard from all around the world. Have your 1st cup @ home: 10 years ago iced coffee was half price vs hot coffee. Now it’s usually more expensive. Break the habit and have your first…read more →
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