Social Security benefits are largely funded by today?s workers via payroll taxes. However, the number of retired workers is projected to double in less than 30 years. Furthermore, the ratio of workers paying Social Security taxes relative to the number of people collecting benefits is expected to fall from 2.9:1 to 2:1 by 2034. Obviously, […]

Owning a business is a dream that can become a nightmare without adequate planning. But if you follow some simple steps, a business can be a satisfying and lucrative venture. The following are seven steps you can take to ensure that your business idea has a chance to succeed. Evaluate Your Personality Not everyone is […]

When deciding upon a firm?s record retention procedures, it would be wise to consult federal and IRS regulations and state and local government record retention requirements. The IRS generally must assess additional tax within 3 years after the due date on a return. (So, keep records for 3 years.) A period of 6 years applies […]

Even seasoned homeowners might shudder a little when their property tax bill arrives, but there are steps you can take to make sure you don?t pay more than necessary. All it takes is a little sleuthing and taking advantage of the laws designed specifically to save you, and other homeowners, money on property taxes. Examine […]

Planning a wedding can be complicated ? even more so than you probably realize at first ? but by tackling the most important steps as early as possible, you?ll save money, time and stress. Furthermore, you?ll be able to enjoy your wedding day rested and relaxed, knowing you made the best decisions. Though it?s beyond […]

Did last year?s family vacation create more stress than it was worth? Vacations should be a time to rest and relax, but poor planning and a hectic pace can make you want to retreat from your retreat. Following are some simple steps that can help ensure your vacation is more enjoyable and less stressful. Plan […]

Most people see owning a home as a milestone; a marker of success; an important step in settling down and gaining stability. Homeownership is usually touted as a great investment that builds for the future, offering you and your family not only a comfortable domicile but also a safe place to protect your savings, raise […]

People are living longer than ever, but that doesn?t mean they are healthier. While modern medical science has done much to lengthen life spans, it has been less effective at preventing chronic illnesses that are common in old age. The fact is, the longer you live, the more likely you are to suffer from high […]

The first step toward beating credit card debt is to keep it from happening in the first place. But if you are already overwhelmed with monthly credit card payments, there are some simple steps you can take that will start to make a dent in your debt and get you back on a path toward […]

For young couples starting out, money can be tight. Most likely, you?re starting a new career or a family; paying back college loans; or simply suffering though a slow job market in a sluggish economy. Utility bills, credit card debt, car payments, rent and other expenses can add stress to your relationship and your budget. […]