Spin on Spending

Identify your financial goals Setting goals is an important part of life, particularly when it comes to your finances. Over time, your overall goals may change, which could impact your financial goals. Start by asking yourself the following questions: What are my...

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Fake SMS text messages, known as “Smishing,” attempt to collect personal information. Smishing scams appear to be from trusted companies, government agencies, and charities. Did you know every year, the IRS releases a list of “Dirty Dozen” tax scams? The scams on the...

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Five things to consider when it comes to keeping more of your income. 1. Consider deferring your income to limit your current income tax liability By deferring income to a later year, you can minimize your current income tax liability and invest the money you’d...

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Let’s consider the following scenario. You have $7,000 for an IRA contribution. Should you put the money in a traditional IRA or a Roth IRA? With a traditional IRA, you may be able to receive a tax deduction on your contribution, but the distributions will be taxable...

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Online dating is on the rise and scammers are finding new ways to trick those who are looking for love. These con artists are usually looking for someone to send them money after establishing a relationship on a dating site, app, or chat room. If you’re looking for...

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“If it’s too good to be true, it probably is.” When it comes to banking “hacks” on social media, this phrase should be a guiding principle. Earlier this fall, the internet was inundated with videos claiming to help people get “free money” from their local ATM....

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The Retirement “Zone” If you’re considering retirement within the next five years or so, you’re in the retirement “zone.” This is a critical time period during which you’ll be faced with a number of important choices, and the...

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