My Financial Advisor

Social security may or may not be a current issue with SavingToolss, but it's in the future for us all, like it or not. It is never too early to become knowledgeable in how to work the SS system. Here is a great article from Morningstar Chris Benz that will open your eyes a bit...Read the rest...

DW and I love to sample the buffets in Vegas on our semi-annual visits. How do they get so darn much food into the desert? It must be magic. We usually do a breakfast buffet (skip lunch) and grab an early dinner feed-bag.

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A rapid refund or Refund Anticipation Loan (RAL) is money borrowed by a taxpayer
from a lender or tax preparer agency based on the taxpayer’s anticipated tax refund. Read the rest...

Uncle Sam wants to help. He's letting you directly deposit your refund money into up to three accounts.
You can have a portion of the refund sent to your checking account to help you pay bills, another amount directed to savings and a third chunk of IRS cash sent straight into your individual retirement account. But if you're not careful about your account instructions, you can lose your refund altogether.Read the rest...

You've decided it's finally time to take that big technological tax step. This year, you're e-filing. Now What?
 
You definitely won't be alone. Almost 95 million taxpayers electronically filed returns last year.
It was another e-filing record, and the computer-relayed returns accounted for more than two-thirds of the total 1040s the IRS received in 2009.Read the rest...

Finances have been a big part of Americans lives. Finances can destroy relationships; result in divorce, arguments, sadness, depression, anxiety and fear. Finances have to be properly managed and can be used to generate wealth or can be used to generate debt. In 2010 here are 10 tips to help you get out of debt and stop the financial insanity.
 
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It's getting to be that time of the year again savingtoolss. Time to get smart so that you can pay only what you owe Uncle Sam and not a penny more.

1. AGI

U.S. Veteran Compensation Programs is the first unique website dedicated to helping U.S. veterans discover benefits they have earned.
  
Complete details about service-connected compensation issues and important updates about benefits as they occur.Read the rest...

I received a coupon in the mail recently from Discover card and Khol's that was for $10, but I had to buy a $10 item and use my Discover card for any balance. DW used it to buy several pairs of socks (you can't have too many socks) and paid them 10 cents cash as the total bill was $10.10. Total cost for the socks? 10 cents.

Cut the Trash at
your Holiday Bash

>Don’t be trashy: Use reusable tableware instead of disposable paper and plastic to keep the amount of trash left over after the party to a minimum.
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