What do you do with your $3,022 average refund?
Most people spend it and thus 58% of us have little or no pension coverage. Some members started investing $3,000 (inflation-adjusted) a year 30-40 years ago and have hit their goal of a $1 million. Since 1998, we have been able to save and invest for tax-FREE growth and tax-FREE income in retirement. Have you? Perhaps it makes sense for you to start using your refund for your future: http://www.amazon.com/Your-Pension-Box-tax-FREE-employer/dp/1481945157
File state return FREE too
You may be able to file your state return for no cost at the state’s site itself after you do the Fed at an IRS efile FREE site. This requires entering data twice but could save you up to $30. Some sites listed on the IRS site for efiling will file your state return for only $10, so it might be easier to just pay the $10. You can avoid entering data twice and you have one file for tax preparation. See your state requirements: http://www.mymoneyblog.com/
Do you have a bypass trust to avoid estate taxes?
The use of bypass trusts has become largely irrelevant due to the permanent extension of estate tax exclusion portability by the American Taxpayer Relief Act of 2012. Further, since the portability of the estate tax exemption is now permanent, using marital deduction (bypass) trusts can actually have negative consequences from an income tax perspective. Click here to read 'Permanent Portability of the Estate Tax Exemption - Is It Time to Bypass the Bypass Trust for Good?"
Health insurers reject people before 2014
Health insurers reject 22% of individual and family applications nationwide on average, with much higher rejection rates in some states and some individual insurers rejecting more than 70% of applications, a HealthPocket analysis indicates. "What is unclear is whether some insurers have increased their declination rate in order to improve risk-pool health and profitability prior to 2014," said Kev Coleman of HealthPocket. The Affordable Care Act's provision on pre-existing conditions will become effective on January 1, 2014 . Buy only what you need: http://www.amazon.com/Health-Insurance-ONLY-right-policy/dp/1480125083/
Would your homeowners insurance cover you if you shot someone in self-defense?
Most standard home and auto policies contain a liability clause that specifically excludes coverage for injuries or damage caused by an intentional act such as firing a gun, even in self-defense. There are some insurers that provide some coverage for a defense but not criminal charges. This is new ground for most insurers. Beware of the risks of liability, even in legalized “packing” states. George Zimmerman has legal costs to defend himself against murder. Plus the civil case has not yet been heard.http://www.bankrate.com/finance/insurance/gun-owners-seek-self-defense-insurance.aspx#ixzz2Jf4Ny87s
Most standard home and auto policies contain a liability clause that specifically excludes coverage for injuries or damage caused by an intentional act such as firing a gun, even in self-defense. There are some insurers that provide some coverage for a defense but not criminal charges. This is new ground for most insurers. Beware of the risks of liability, even in legalized “packing” states. George Zimmerman has legal costs to defend himself against murder. Plus the civil case has not yet been heard.http://www.bankrate.com/finance/insurance/gun-owners-seek-self-defense-insurance.aspx#ixzz2Jf4Ny87s
Are you paying $128 to $233 to get your tax refund of $3,022 back?
Take last year’s return and try to follow the same pattern doing the return yourself for FREE. Since most people have the same items every year—W2, 1099, etc—you can follow the online questions easily. Try to do it yourself, FREE, using the IRS authorized preparers: http://apps.irs.gov/app/freeFile/jsp/index.jsp?ck Some of these preparers will efile your state return for just $10 too. Can’t beat the price and our members can vouch for their security.
SCAMS “Deficits don’t matter” GOP grandfather Dick Cheney 2002
US pays for HALF of all military expenses worldwide
“The United States accounts for about half of global military spending.” Is it time we cut back and let other countries pay their fair share?
Why are we still guarding Germany with 50,000 soldiers?
The military of the United States is deployed in more than 150 countries around the world, with 173,929 of its 1,388,028[1] active-duty personnel serving outside theUnited States and its territories. Drones are used to go after the bad guys now. We can't afford both.
The military of the United States is deployed in more than 150 countries around the world, with 173,929 of its 1,388,028[1] active-duty personnel serving outside the
How long can we afford this madness?
ING caught profiting from delaying your 401k plan execution
An ING Groep unit that administers 401(k) retirement plans agreed to pay $5.8 million to settle allegations it didn’t tell clients that it would pocket market gains on trades that were delayed.
ING will pay $5.25 million to about 1,400 retirement savings plans and a penalty of $524,509 to the U.S. government, according to a settlement disclosed today by the Department of Labor.
IAN
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