Small Business Owners - 360 Degrees of Financial Literacy http://www.360financialliteracy.org/Life-Stages/Small-Business-Owners en-US Simple Steps to Prevent Identity Theft http://www.360financialliteracy.org/Topics/Taxes/Simple-Steps-to-Prevent-Identity-Theft http://www.360financialliteracy.org/Topics/Taxes/Simple-Steps-to-Prevent-Identity-Theft You may only file taxes once a year (thank goodness) but keeping your identity safe from identity thieves who is a year-round activity, especially as scammers continue to call individuals pretending to be from the IRS demanding an overdue payment. 

The good news is that by taking a few simple steps, you can better protect your personal and financial data online and at home.

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Thu, 26 May 2016 17:09:38 EDT
Spring Cleaning Your Debt http://www.360financialliteracy.org/Topics/Credit-and-Debt/Debt/Spring-Cleaning-Your-Debt http://www.360financialliteracy.org/Topics/Credit-and-Debt/Debt/Spring-Cleaning-Your-Debt In addition to typical spring cleaning tasks, you may want to take this time to focus on your finances. In particular, now may be as good a time as ever to evaluate your debt situation and try to reduce and/or eliminate any debt obligations you may have. The following are some tips to get you started.

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Wed, 23 Apr 2014 13:23:12 EDT
What You Need to Know about the Health Care Law http://www.360financialliteracy.org/Topics/Recent-Legislation/Health-Care-Reform/What-You-Need-to-Know-about-the-Health-Care-Law http://www.360financialliteracy.org/Topics/Recent-Legislation/Health-Care-Reform/What-You-Need-to-Know-about-the-Health-Care-Law Are you covered? The Affordable Care Act, otherwise referred to as health care reform, requires those who are uninsured to get health insurance. While the start dates of some key programs have been postponed, enrollment in health insurance programs is expected to begin this fall and several other key provisions of the act are becoming effective in the new year. Here are some insights and advice to help you understand what these changes mean.  

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Wed, 16 Oct 2013 13:46:02 EDT
Show Them the Love: Low-Cost, High-Value Employee Benefits http://www.360financialliteracy.org/Topics/Owning-a-Business/Business-Planning-Basics/Show-Them-the-Love-Low-Cost-High-Value-Employee-Benefits http://www.360financialliteracy.org/Topics/Owning-a-Business/Business-Planning-Basics/Show-Them-the-Love-Low-Cost-High-Value-Employee-Benefits As a small business owner, you are probably aware of the importance of offering a basic employee benefit package that includes health and disability insurance, and a retirement savings plan. However, recruiting and retaining top talent often requires going above and beyond the basics. By offering creative, low-cost benefit programs, you can differentiate your business from other potential employers.

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Wed, 16 Oct 2013 11:53:15 EDT
When Is Market Volatility Most Dangerous? http://www.360financialliteracy.org/Topics/Investor-Education/Investing-Basics/When-Is-Market-Volatility-Most-Dangerous http://www.360financialliteracy.org/Topics/Investor-Education/Investing-Basics/When-Is-Market-Volatility-Most-Dangerous Read More »

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Wed, 14 Aug 2013 18:48:24 EDT
Home Office Deduction Rules Get a Remodel http://www.360financialliteracy.org/Topics/Owning-a-Business/Home-Based-Businesses/Home-Office-Deduction-Rules-Get-a-Remodel http://www.360financialliteracy.org/Topics/Owning-a-Business/Home-Based-Businesses/Home-Office-Deduction-Rules-Get-a-Remodel If you run a business out of your home, it's important to understand the associated federal income tax deductions that you might be entitled to. That's especially true this year, with new rules that make it easier than ever for some to claim a deduction.

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Wed, 14 Aug 2013 18:42:24 EDT
On the Precipice: The "Fiscal Cliff" http://www.360financialliteracy.org/Topics/Recent-Legislation/Financial-Reform/On-the-Precipice-The-Fiscal-Cliff http://www.360financialliteracy.org/Topics/Recent-Legislation/Financial-Reform/On-the-Precipice-The-Fiscal-Cliff Read More »

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Tue, 27 Nov 2012 16:45:13 EST
Year-End Investment Planning and the Fiscal Cliffhanger http://www.360financialliteracy.org/Topics/Recent-Legislation/Financial-Reform/Year-End-Investment-Planning-and-the-Fiscal-Cliffhanger http://www.360financialliteracy.org/Topics/Recent-Legislation/Financial-Reform/Year-End-Investment-Planning-and-the-Fiscal-Cliffhanger Investment planning at the end of 2012 revisits issues that have complicated the planning process for the last two years--tax cut extensions and spending cuts designed to reduce the U.S. budget deficit. Uncertainty about both and whether they will lead to what's been called a "fiscal cliff" in 2013 is likely to affect year-end investment planning yet again.

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Mon, 15 Oct 2012 17:01:00 EDT
The Investment Policy Statement: A Portfolio's Road Map http://www.360financialliteracy.org/Topics/Investor-Education/Investment-Portfolio/The-Investment-Policy-Statement-A-Portfolio-s-Road-Map http://www.360financialliteracy.org/Topics/Investor-Education/Investment-Portfolio/The-Investment-Policy-Statement-A-Portfolio-s-Road-Map In some cases, investors choose to authorize a money manager to make the actual investing decisions for their portfolio rather than simply make recommendations. In such cases, it can be valuable to have a mechanism for making sure in advance that investor and manager are on the same page.

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Tue, 18 Sep 2012 16:32:04 EDT
Should You Make Large Gifts in 2012? http://www.360financialliteracy.org/Topics/Budgeting-Spending/Charitable-Giving/Should-You-Make-Large-Gifts-in-2012 http://www.360financialliteracy.org/Topics/Budgeting-Spending/Charitable-Giving/Should-You-Make-Large-Gifts-in-2012 Currently, the exemptions for federal gift tax, estate tax, and generation-skipping transfer (GST) tax are at historic highs, and the gift, estate, and GST tax rates are at historic lows. But, in 2013, the exemptions are scheduled to substantially decrease, and the tax rates are scheduled to substantially increase. This raises the question of whether 2012 might be a good time to make large gifts that take advantage of the current exemptions while they are still available.

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Tue, 18 Sep 2012 16:28:07 EDT