Do you need long-term care insurance? By: Stacey Nickens Historically, individuals didn't need to plan for their care in old age. Most people stayed and lived within the communities that they were born into, and younger family members were expected to care for aging relatives. However, industrialization and the centralization of jobs in cities [...]
Elm3's Guide to Selecting Life Insurance By: Stacey Nickens Your life is invaluable. No one can put a price tag on the value you add to this world. You also may not want to consider the possibility that you or someone you love will die before their time. For all these reasons, it may [...]
9"Above-the-Line" Deductions for Your 2021 Return By: Stacey Nickens Taxpayers often ask me about deducting mortgage interest payments or medical expenses. However, many taxpayers do not claim these popular deductions because it is more beneficial for them to take the standard deduction. On 2021 returns, the standard deduction is $12,550 for single filers and [...]
The holidays can be both busy and expensive. With that in mind, it can be helpful to get your finances in order before you get wrapped up in gift buying and pie making. Use the next few weeks to lower your tax bill, save for retirement, and plan for your future health needs. 1. [...]
4 Key Steps to Reviewing Your Company's Insurance Options By: Stacey Nickens How much money can you save in an hour? If you spend an hour cooking instead of going out to eat, you could save $100 or more. Spending an hour on the treadmill could save you on health costs down the line. [...]
With open enrollment season in full swing, many of you may be reviewing different health insurance options. When reviewing their options, some people gloss over health savings accounts (HSAs) because they're unsure of how to use and benefit from an HSA. However, HSAs can be powerful savings and tax-reduction vehicles, and if your employer [...]
Choosing Your Medigap Plan By: Stacey Nickens Many seniors rely on Medicare to cover their health expenses. However, Medicare doesn't cover all healthcare expenses. Part B will provide coverage for up to 80% of your medical expenses. This coverage only kicks in once you hit your deductible, and Part B does not have an [...]
6 Things Medicare Won't Cover By: Stacey Nickens Facing unexpected medical costs in retirement can be a significant financial challenge. With that in mind, it's important to understand the procedures and services that aren't covered by Medicare Part A or Part B. Part A is hospital insurance that covers impatient stays at hospitals and [...]
4 Above-the-Line Deductions for Taxpayers Who Don't Itemize By: Stacey Nickens The 2017 tax reform legislation increased the standard deduction, such that few taxpayers itemize their deductions. In 2020, the standard deduction is $12,400 for single filers and $24,800 for joint filers. Few taxpayers will accumulate enough individual deductions to exceed the standard deduction [...]
Financial Lessons We Can Learn From 2020 By: Stacey Nickens To say that 2020 was a tumultuous year could be an understatement. Between the pandemic and a presidential election, many of us experienced plenty of uncertainty and stress. For some of us, we lost loved ones or became ill ourselves. However, challenging times always [...]
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