Durante el correr de la vida, se pueden dar diferentes situaciones inevitables que no fueron previstas como: la muerte, enfermedades graves e incluso accidentes que pueden dejar afectados a nuestros seres más cercanos. Estos hechos muchas veces no son analizados a fondo en la familia y muy a menudo no son tomados en cuenta. Los seguros de vida no son la solución a este tipo de problemas, pero son de gran ayuda pues brinda apoyo y seguridad financiera a los seres queridos cuando tú ya no estás a … [Read more...]
2013 Taxes: Changes That Will Affect Small Businesses Most
The IRS denied David and Veronda Durden a $25,000 deduction for their 2013 Taxes. You won't believe why. The devil is in the details is the lesson from David and Veronda Durden who were denied a $25,000+ deduction on their tax returns for a charitable contribution they made to their church. Why? Because of a simple technicality. The IRS disallowed the deduction, increasing their tax liability by thousands of dollars, because the proof they had confirming the donation didn’t meet all of the IRS’ … [Read more...]
A College Degree Means Options, Money in the Bank
If you're wondering if getting a job is better than going to college, the answer depends on what you aspire to be. To be able to decide what's best for you personally, you have to think about what your end goal is: not only what you want to do, but who you want to be. Continue reading … [Read more...]
How a “Paying for College Strategy” Helped the Perez Family
The Perez family, an example of a family aspiring for a better life for their kids, has been rewarded for the effort they have made to strategically plan for higher education for their kids. The day their kids were born, they opened a Coverdell savings account, in which they religiously put $50 a month. Seventeen years later, their eldest son has more than $33,000 in savings to cover his college costs. For math lovers, you only have to calculate the future value of $50 per month by seventeen … [Read more...]
El efecto de un divorcio en la ayuda financiera
Al momento de completar la FAFSA te solicitarán una serie de datos para poder determinar si eres un estudiante dependiente o independiente. Si de acuerdo a la información proporcionada se te considera un estudiante en relación de dependencia, también deberás dar información de tus padres o de aquellas personas de las que dependes. Por lo tanto, si tus padres están casados, deberás proporcionar la información de ambos; si en cambio, alguno de tus padres es viudo o soltero, deberás dar su … [Read more...]
Good News From the IRS: Expect Your Refund in 21 Days Next Year
Finance expert Mike Periu on how quickly you can expect a refund from the IRS for this year's taxes. Good News From the IRS. Once in a while we receive good news from the IRS. Since it doesn't happen often, we need to savor it. This time, the IRS announced that for tax year 2011 they processed 90 percent of tax refunds in 21 days or less for the vast majority of filers. Only exceptional cases fell outside of this window. For tax year 2012, they expect to keep the same level of performance. In … [Read more...]
5 Mistakes to Avoid When Developing Your “Paying for College Strategy”
No plan is without its flaws; unexpected events always come up, and without a solid plan these events can sometimes become real problems. Nevertheless, many of these problems can be prevented, and there’s no time like the present to make sure that you have a solid, but flexible plan for life’s surprises, the economy, and your own decisions. One of the most common mistakes made when planning the financing of your education is not planning early enough. Parents should begin to plan and … [Read more...]
SBICMA: Small Business Investment Legislation About to Expire
Finance expert Mike Periu on SBICMA, a crucial piece of Legislation that could greatly impact access to funds for small business investments. Small Business Investment Legislation About to Expire While everyone is focused on the fiscal cliff, there is a piece of pending legislation that is about to expire which if passed could help small businesses. Earlier this year the House of Representatives passed The Small Business Investment Company Modernization Act of 2012. But the Senate still has … [Read more...]
House Speaker Offers President Compromise on Fiscal Cliff Tax Rates
Fiscal Cliff Tax Rates: Finance expert Mike Periu on the fiscal cliff negotiations regarding the personal income tax rate. A key point of contention during the fiscal cliff negotiations has been the level of taxation—specifically marginal tax rates—on people earning higher incomes. For the first time, a potential compromise has been proposed on this thorny issue. House Speaker John Boehner suggests increasing the top marginal tax rate from 36 percent to 39.6 percent on incomes over $1 million. … [Read more...]
Recomendaciones para arreglar fácilmente tus finanzas
Para poder cambiar nuestra situación financiera, tenemos que entender que no se trata de buscar maneras de ganar más dinero. La situación financiera actual es una consecuencia de la manera en que pensamos acerca del dinero. Mientras no cambiemos nuestra manera de pensar, los problemas seguirán igual, independientemente de la cantidad de dinero que tengamos. Aquí te dejo unos consejos para arreglar tus finanzas. Pasos para arreglar tus finanzas Ten ordenadas tus finanzas: Debes de saber … [Read more...]
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