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How a Holiday Budget Can Save You From the January Credit Card Bill Blues

How a Holiday Budget Can Save You From the January Credit Card Bill Blues

The holidays will be here sooner than you think.  Just look at the local stores already selling holiday decorations.  Personally, I just love the gift giving holidays, but my budget would say some years I have loved it a little too much.  And when January credit card bills roll in you definitely know you loved the gift giving too much.  But if you start now, you can make the holiday heartburn disappear.

Make a list of all the people you would like to honor with a gift this holiday.  Think of the decorations you might want to add, and the wrapping paper and tape it will take for all those presents.  Are you going to splurge on a large holiday meal with prime rib for everyone?

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Five Surprising Facts About Divorce and Social Security

Five Surprising Facts About Divorce and Social Security

Not too long ago, a friend of ours gave us a bottle of pure maple syrup from Vermont.  It was delicious.

It got me thinking about the process of how maple syrup was made.  I wasn’t sure how they got syrup from a tree, so I did a little bit of online research.  Apparently, they put what they call a spile into a tree and the tree sap comes out through the spile and into a container below.

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5 Easy Ways to Lower Your Income Taxes

5 Easy Ways to Lower Your Income Taxes

5 Easy Ways to Lower Your Income Taxes

 

When you filed your tax return, did you think to yourself, “I’m paying too much,” or “What can I do to lower my taxes?

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IS YOUR GIVING GOING WHERE YOU THINK IT IS?

IS YOUR GIVING GOING WHERE YOU THINK IT IS?

Is Your Giving Going Where You Think It Is?

One of the greatest feelings comes from being able to give to others.  You want to make sure that as many dollars of your donation as possible actually reach the people in need that you are trying to help.  A few minutes of research can make sure your donation makes a strong impact.

QUESTIONS TO ASK ABOUT A CHARITY

Is the charity making the most of the money you donate? - While most charities have the greatest of intentions, not all charities are as careful with their operating expenses as one might like.   A rule of thumb is to look for at least 75% of funds to be directed to programs.  A high percentage of giving can be seen at a charity like Donors Choose, a charity that allows individuals to fund specific project requests from teachers in U.S. public schools, which directs 94.7% of all donations directly to the projects.

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Irmaa Who?

Irmaa Who?

Our team of advisors just spent several hours discussing IRMAA and honing strategies to deal with this pest.

No, I didn’t misspell it, and I’m not referring to Erma Bombeck or a great great aunt of mine. This is the Income Related Medicare Adjustment Amount. Simply put, the more income on your tax return in retirement, the more you will pay for your Medicare Part B and Part D prescription drug premiums.

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Securities offered through Royal Alliance Associates, Inc., member FINRA/SIPC. Insurance and investment advisory services offered through Phase 3 Advisory Services Ltd., a registered investment advisor not affiliated with Royal Alliance.

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