Average 2014 Refund Higher Than in 2013

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The IRS has published its latest statistics to date and it shows that tax filers are getting higher refunds in 2014 than they did in 2013.  To date, the IRS has processed most of the received returns (about 30% of total expected). Of the returns filed, the IRS has issued 6% more refunds than last […]

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Online IRS Tax Tools To Figure, Track and File Taxes For Free

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With the 2014 filing season now officially open tax payers can go to IRS.gov and leverage a number of tools that enables them to file their taxes for free, figure how much in additional tax credits they can get and even plan for their 2014 taxes. The IRS expects to receive more than 148 million individual […]

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8 Danger Signs You Will Likely Owe the Alternative Minimum Tax (AMT)

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The following are 8 signs that you may owe the  Alternative Minimum Tax (AMT), or the rich-mans tax, this year. You or your household fall into the high income category (generally $250,000 or more), which means that a good part or all of your AMT exemption is phased-out. You have relatively hefty deductions for state […]

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Why Vanguard and Fidelity Money Market Funds Are a Money Losing Proposition. Go For A High Yield Savings Account Instead

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I recently got an email saying that my Vanguard prime money market fund’s expense ratio had increased from 0.16% to 0.17%. Not such a big deal because even with the higher expense ratio, Vanguard’s prime money market fund fees are still amongst the lowest in the industry. But what caught my attention when I went […]

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Unbundling Auto And Home Insurance Policies Even When Losing The Multi-Policy Discount

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Around this time of year many people get renewal notices for their auto insurance. More often than not they will briefly scan the notice and if the premium hasn’t increased substantially from the prior period they’ll just file away the renewal paperwork and let the auto-payment on file continue to be processed. But when I […]

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Monthly Budget Comparison – Big City $10,000 vs. Small Town $4,000

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I have 2 family friends. One lives in the DC Metro Area (Bethesda, MD) and the other lives in Appleton, Wisconsin. Classic Big Town vs. Small Town. I met them over Thanksgiving and we got talking about the cost of living and how it varies so much across America. Both are married with two kids […]

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Average Teacher Salaries Across The Country

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Teachers play such an important role in our lives. We can all remember a great teacher who directly or indirectly had a bearing on where our lives went and what we achieved. I see this even more clearly as I see my son go through elementary school. Last year he had a terrible teacher who […]

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3 Reasons The Booming Economy May Not Be Good News

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The stock market is hitting new highs on a seemingly daily basis. The job market is rebounding strongly as evidenced by the plummeting unemployment rate. Market analysts are overwhelmingly saying buy stocks, sell bonds. All this implies the economy is positively booming and surely everyone is getting richer. Sadly this is not the case and […]

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Toyota Battery Ripoff Special – The Small Print Contradiction

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Yesterday as I was about to head out for work my car died on me. I was pretty quickly able to deduce it was due to a flat battery. Fortunately I was able to jump start the car but I needed a new battery ASAP. So after searching online for awhile I found the ad […]

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Should I Take My Pension Payout as an Annuity or Lump Sum Rollover into an IRA

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Article summary: Should I take my pension as an annuity in retirement where I receive monthly payments or take a lump sum that I rollover into an IRA account and manage the investments myself? Answer : It depends on whether you can invest the money better than the returns you would get from your unadjusted […]

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