By Robert Penna Throughout history, residents of smaller communities have relied on local tribunes, gazettes, chronicles, heralds, and posts for credible and pertinent news and information. Sadly, in the past 15 years, more than ¼ of local newspapers have closed or merged with larger media outlets. The disappearance of this type of publication has left many […]
“You didn’t get a deduction for that bedroom set when you bought it. But if you sell it at a garage sale, you might wind up with a tax bill unless you’re careful”- Gary Stewart Starting January 1, 2022, anyone receiving $600 or more in payments for goods and services through third-party payment companies […]
Why should you care about the “time value of money?” One of the fundamental financial concepts, the time value of money (TVM), says that the current value of a sum of money is worth more than the future value of that same amount. The principle of TVM comes from implicit costs, known as “opportunity costs.” […]
Don’t be quick to click; make sure it’s legitimate. The world has gone digital, so have your assets and much of your personal information. Cybercriminals are aware of this shift but are also mindful of how ill-prepared many people are when protecting themselves in the online world. While cybersecurity might seem complex, a little […]
Compound interest is a true miracle or a true disaster; it all depends Ben is an elderly man living independently, subsiding on a below poverty income. Ben and his siblings have been continually active for years in our small town in Northern California. Ben helps at his church and helps his neighbors and community, always […]
Don’t Put Your Money Under the Mattress – There Are Other Options Insulating your money against inflation, theft or catastrophe is as simple as taking it out from underneath your mattress and opening a savings account. The three most common are transactional savings accounts, money market accounts, and certificates of deposit. Two alternative accounts are […]
Does Your Social Security Just Go Away When You Die? By Syndicated Columnists|October 29th, 2021 What happens to your Social Security when you die? “Those planning their retirements should consider what, if any, Social Security benefits could be available if you are the spouse, child, or parent of a worker who dies.” Many people […]
“If you are thinking about rolling your 401k into an IRA, you may believe that you should strip all the risk out of your investment matrix by reducing the number of equities in your portfolios. But, is this the optimum strategy in 2021?” Brian Swerdlow According to research from JP Morgan, a majority of retirees, […]
What is tax-loss harvesting and will it work for you? “For many investors, tax-loss harvesting is one of the most useful tools for reducing capital gains taxes.” When securities and certain other assets such as real estate, are sold at a loss to offset a capital gains tax liability, the process is known as […]
What’s a life settlement, and could you benefit from having one? “Older Americans don’t know there may be an alternative to letting your policy lapse or surrendering it to the insurance company.” A primary goal for those who no longer get regular paychecks is to ensure they don’t run out of money in retirement. Making […]
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