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The Top 25 Money Tips of All Time, Part 3

by Flexo

Everyone has their favorite money tips, and we’ve been looking at the favorites of some Canadian financial advisors. Here are the first 5 and here are the next. Keep reading this post for tips 11 through 15. Emphasize rewards. “Think of a budget as pre-spending and emphasize the objects or experiences that you want to ... Continue reading this article…

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Updated My Federal Tax Withholding

by Flexo

I’m a little concerned. I’m making more taxable income this year outside of my full-time job, but my tax withholding was calculated based on only my full-time income. Last year I had a few thousand dollars extra income, but I was able to use related expenses and my SEP IRA to offset a good portion ... Continue reading this article…

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Where’s My Tax Refund?

by Flexo

Earlier today, I finalized my tax return calculations and filed them online. I was able to file my federal taxes for free, but rather than do my state taxes separately and mail them for free, I opted to pay a fee — about $15 — to file them online as well. Although I’ve done that ... Continue reading this article…

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Walking Away From Your Money

by Flexo

If you don’t itemize your taxes, you may be overpaying the government, according to Bankrate.com. The General Accounting Office has found that filers of 1998 returns who used the standard deduction instead of itemizing paid the Internal Revenue Service almost $1 billion more than they should have. Should you itemize? It depends on your expenses ... Continue reading this article…

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Home Ownership Tough for Working Class

by Flexo

As the overall rate of home ownership in the United States is increasing, the rate of home ownership by those in the working class is decreasing, according to the Center for Housing Policy. Here’s the research publication [pdf] and a report on CNN Money. So what is this “working class?” For this report, the working ... Continue reading this article…

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Historically Inaccurate Numbers

by Flexo

I generally like the articles Bill Fleckenstein writes for his “Contrarian Chronicles” column at MSN Money. Today he published an article about the way the government manipulates the rules of arithmetic to maintain an happy economic outlook. Here’s the first example: unemployment. If unemployment data are calculated using the same methods that were used during ... Continue reading this article…

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Problems With TIAA-Cref

by Flexo

Apparently I was not the only person having problems with TIAA-Cref. When I contacted the company to report my missing contribution, the customer service representative was very helpful and assured me the account would be adjusted. I had complete confidence, and when I checked my account yesterday, the deposit had been made and backdated. My ... Continue reading this article…

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Property Taxes

by Flexo

I am not a homeowner right now for many reasons. Here’s another reason to add to the list: sky-high property tax. Yes, I pay some property tax now, hidden within my rent bill. Landlords pass the cost of taxes onto tenants. Because of the high cost of buying and owning a home, finding money for ... Continue reading this article…

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