2016 Health Insurance Premiums and Penalties Rising Under Obamacare (Affordable Care Act)

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[2016 updates] 2016 health insurance premiums under the state and federal health care system (Affordable Care Act) are rising. No doubt about that. The question is by how much. Recent reports and have a broad range (from 6% to 15%) as health insurance companies have started submitting requests to the regulator (insurance commissions) for big price increases in […]

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Investing Lessons to Live By

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Here are some of John C. Bogle’s, former CEO of the Vanguard Group and founder of the “index” fund, timeless investing lessons and market philosophies. I know it reaffirmed some of my changing views around investing and saving for retirement. 1) Beware of market forecasts, even by experts. As the new year begins, strategists from Wall Street’s major […]

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Quick and Practical Ways to Improve your Finances – Automatic Saving, Education, Refinancing to Tax Planning

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NOW is always a good time to reassess your financial situation and try and determine how you can improve your personal finances. Based on my experiences and observations, here are five simple and relatively cheap strategies to improve your finances. All it requires is a little discipline and overcoming normal procrastination that is associated when dealing […]

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2014-2015 Tax Season Deadline Tips – Filing Late, Requesting an Extension, Installment Plans and Refund Status

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With yet another tax season coming to a close here are some frequently asked questions and answers that come up around this time of the year: I’ve filed, but where is my refund? You can go online to check the status of your tax refund 72 hours after IRS acknowledges receipt of your e-filed return, […]

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Tax Extension Deadline – Should You File a Tax Return or File an Extension?

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In these economically tough times you might not have enough money to pay your entire tax bill when due. Inside your head, you scream, “I need more time!” But before you stress out realize that the IRS offers a 6-month tax filing deadline extension that is not that hard to get.  So ask yourself, “Should I […]

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Has my Financial and Personal Information Been Compromised if I used TurboTax, H&R Block or Tax Act?

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There has been a lot of publicity of late around electronic security breaches with a focus on tax software related breaches. The majority of people file their taxes electronically and with tax returns containing your most sensitive personal information it is no surprise that hacking or compromised data that leads to identity theft and other online […]

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2015 IRS Average Tax Refund

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[Updated with latest refund details] As of April 13th, the Internal Revenue Service (IRS) has said it has received more than 115 million tax returns, with more than 95% of those returns filed electronically and over 80% of those returns resulting in refunds. The IRS generally receives over 140 million returns over the tax season. The IRS also […]

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iPhone or Samsung Trade-in and Upgrade? Then Skip Best Buy and Go For Verizon or AT&T Stores to Get The Best Deal

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Just a quick money saving tip. If you are looking to upgrade your old iPhone or Samsung then avoid Best Buy and other big box electronic store and go to the network provider (AT&T, Sprint Verizon) for the best deals. See the screenshots below for the trade-in prices I got at various sites on my […]

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2015 IRS Refund Cycle Chart for 2014 Tax Return Filings

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While the IRS has officially discontinued releasing refund cycle charts, below are estimated refund dates (based on past refund cycles) you can expect to receive your refund after filing your tax return. For refund dates specific to your tax filing go to the Where is my Refund page at IRS.gov. You will need information from your […]

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5 Places to Get Free Tax Advice, Guidance and Help

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A lot of families cannot afford to pay for professional help to get advice on taxes and/or to prepare their tax returns. While simple returns for low income earners can be filed for free with most large online e-File tax providers, those who have complicated financial situations or have moved states during the year can find […]

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