Author Archive
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Car Insurance – Choosing Options Carefully
Car insurance is a necessary expense for anyone who owns and drives a vehicle. Insurance is the provision for you, the car owner, and will protect you and your property in the case of a catastrophic event. However, car insurance only covers certain things, and may be different for each insurance company and in every state. For example, if someone has liability insurance, which only protects the property of the other car in an accident, ...
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We are now officially a licensed property and casualty firm in Missouri
Richard James and Craig Henley are both now licensed personal and commercial insurance agents in Missouri along with Baron Financial Group, LLC receiving their official agency license. We are proud also to be able to say we offer the same independence in using personal and commercial insurance as we do in the investment world. Having choices are paramount in making the most correct and unbiased decisions in making your financial and insurance decisions. ...
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Senate to vote on proposed Internet sales tax law
By Melanie Hicken @melhicken May 5, 2013: CNNMONEY The U.S. Senate is expected to vote on a long-debated Internet sales tax law Monday, paving the way for millions of consumers to start paying sales tax on online purchases. The legislation would allow the 45 states (and the District of Columbia) that currently charge sales taxes to require large online retailers to collect tax on purchases made by their residents. The law would only apply to online ...
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4 reasons to amend your tax returns
By Eva Rosenberg | MarketWatch Earlier this month, my colleague Jonnelle Marte explained how to correct your tax filing with an amended return. As the IRS explained, sometimes you don’t have to bother amending -- the agency will essentially do it for you. But there are times you really should go out of your way to amend tax returns. First let’s dispel a misconception held by many people: The IRS only has three years to audit your ...
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Mom’s Finances Are Stretched Thin
April 1, 2013 PRNewswire Moms feel they are doing it all: raising children, performing household chores and managing finances – and nearly eight in ten of these moms are juggling a job as well according to the 2010 U.S. Census. The reality is, doing it all perfectly may not be possible. Only 24 percent of moms surveyed are satisfied with their current financial situation and one quarter of moms admit they are struggling to make ends meet ...
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What the Odds Are That Your Tax Return Will Be Audited, and What to Do If It Is
By Kevin McCormally | Kiplinger Overall, the odds are reassuring. The vast majority (99%, in fact) of individual income tax returns skate safely past the IRS audit machine. Better news: The 1-in-100 chance of being called on the carpet really overstates the severity of the situation. Fully 70% of all audits are handled by mail, not by mano a mano combat with an IRS agent. And, if your return doesn't include income from a business, rental ...
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10 Deadliest Driving Distractions
By Christina Bramlet, PropertyCasualty360.com Distracted driving endangers not only those behind the wheel but also their passengers, fellow road occupants and pedestrians. In fact, drivers using hand-held devices are four times more likely to get into crashes serious enough to injure themselves, a statistic that has led to them being banned in 11 states. As a recent report from Erie Insurance shows, the consequences of distracted driving can also be tragic. Teen drivers are more ...
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5 Ways Taxes Can Affect Your Credit
By Gerri Detweiler | Credit.com Tax time can be stressful enough without worrying about whether your tax issues will spill over to your credit reports and affect your scores. The good news is that simply filing an extension or finding that you owe the IRS a chunk of money come tax time shouldn’t affect your credit reports. It’s only when you don’t have the money to pay what you owe that it can affect your credit. Following ...
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Signs You Are Living Beyond Your Means
By Lisa Scherzer | The Exchange There is no dignity quite so impressive, and no independence quite so important, as living within your means." — Calvin Coolidge Living within one’s means is the bedrock of financial stability. But for consumers still facing the lingering effects of years of frenzied borrowing and spending that preceded the recession, the sage counsel of our 30th president remains a lofty aspiration — and one out of many people’s grasp. Financial ...
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Your Happy Retirement Is Probably About $250,000 Short
By Brian O'Connell | TheStreet.com Do you have a good grip on your retirement? Be honest -- a really good grip? Ameriprise Financial AMP , the Minneapolis-based financial services giant, doesn't think so. In fact, Ameriprise says there may be a significant "emotional disconnect" between your retirement goals and retirement reality. The firm based its analysis on its Retirement Check-In Survey of 1,000 U.S. employees ages 50-70. At first blush, Ameriprise says America has a good, ...
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