Long-term care insurance is a retirement protection option that’s been around since the late ’80s. Like the name suggests, getting it means paying insurance premiums of roughly $2,000 to $3,500 per year depending on your age and health, and getting guaranteed protection against long-term care costs in the hundreds of thousands of dollars.
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New research suggests that coupon clipping may be falling out of fashion — if only temporarily.
According to research from Inmar, total number of coupons issued by manufacturers went up by 1.4% in 2012, with food coupons rising by 6.1%.
But the number of coupons redeemed by shoppers? That went down by a whopping 15.7%!
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When you’re thinking about looking for a new job, people will tell you to start networking. Most networking events are centered around food and drinks, and some even come with a ticket price. So what are some networking tips for people who don’t want to spend a ton of money on networking? Here are some of our favorite ideas:
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Making DIY Christmas decorations is a great tradition to start this year. Especially during the few days between the beginning of Christmas break and the actual holiday. The further along you get on the advent calendar, the crazier they get.
DIY Christmas Decorations Your Kids Can Make
Unless they’re really small, the following DIY Christmas decorations are all great projects for kids to undertake. Some require some adult supervision, but they’re all fun and many of these things will last long enough to turn into wonderful momentos of Christmases past.
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A lot of folks are unfortunately looking for a way to finance holiday shopping these days, seeing as the average person is spending around $800 on gifts and debt typically explodes during the fourth quarter of the year. Well, retailers are counting on that, and a lot of them are preying on consumers with misleading and very expensive payment plans.
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Around this time every year, all the dentists and eyecare shops in my neighborhood sport huge signs, reminding each passer-by to spend his or her flexible spending account before the end of the year. So what’s that all about?
What is a flexible spending account?
A Flexible Spending Account or FSA is an optional healthcare account offered by some employers. You can dedicate a certain amount of your paycheck to go into the account pre-tax. You can then use those funds to make specific kinds of healthcare purchases.
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Christmas and New York City go together like fluffy white beards and Ho! Ho! Hos! This is the stuff holiday memories are made of! If you are planning to take your family to do Christmas in NYC, you’ll certainly be looking for things that keep you busy and make great memories — especially the ones that are free.
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If you’re a fan of real Christmas trees, you can probably remember at least one year when you had to carefully extract a dry, prickly beast from your living room, leaving more needles on the floor than it had on it’s branches in the first place. If you’ve been down that road before, you know live Christmas tree care is actually important business at this time of year.
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There are substantial financial penalties enforced by the IRS for early 401k withdrawal — that is, cashing in your 401k before the age of 59.5. So if you get into a serious financial pinch, you’ll likely want to consider taking out a 401k loan before opting for a 401k withdrawal and signing yourself up to pay those penalties.
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401k withdrawal is designed for folks who are at least 59.5 years old. Of course, traditional 401ks involve money you didn’t pay taxes on when it went in, but you will have to pay regular federal and state income taxes on upon withdrawal. (It’s the other way around with Roth 401ks.) In short, your 401k was designed for withdrawal as retirement income when you’ve reached retirement age. Pretty simple.
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If you’re considering taking out a 401k loan — borrowing from your 401k — then you’ve probably already heard that there’s interest involved in this loan. So what’s the deal with this 401k loan interest? Let’s take a look.
First of all, don’t take borrowing against your 401k lightly. Yes, it’s your money and you’ve already earned it, but you should not think of your 401k the same way that you think of your savings account. First of all, this is your retirement income you’re talking about. If you mess it up, nobody’s going to fix it for you, and you...
When I was pregnant, I craved nostalgic flavors and foods I hadn’t eaten since I was a kid. One of the dishes that got the most rotation was goulash, sometimes called American Chop Suey.
My mom made this quite a bit when I was growing up, because it’s fast, cheap, and pretty healthy as far as fast and cheap food goes. One recipe makes a lot of food for a big family, or can be easily frozen for a small family.
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