Employed - 360 Degrees of Financial Literacy http://www.360financialliteracy.org/Life-Stages/Employed en-US Are you ready to retire? http://www.360financialliteracy.org/Topics/Retirement-Planning/Retirement-Planning-Basics/Are-you-ready-to-retire http://www.360financialliteracy.org/Topics/Retirement-Planning/Retirement-Planning-Basics/Are-you-ready-to-retire Here are some questions to ask yourself when deciding whether or not you are ready to retire.

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Wed, 19 Feb 2014 17:25:15 EST
Filing Your 2013 Federal Income Tax Return http://www.360financialliteracy.org/Topics/Recent-Legislation/Tax/Filing-Your-2013-Federal-Income-Tax-Return http://www.360financialliteracy.org/Topics/Recent-Legislation/Tax/Filing-Your-2013-Federal-Income-Tax-Return For most people, the due date for filing a 2013 federal income tax return is April 15, 2014. Here are a few things to keep in mind this filing season.

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Wed, 19 Feb 2014 15:30:16 EST
Bonds vs. Bond Funds: Which Is Better When Interest Rates Rise? http://www.360financialliteracy.org/Topics/Investor-Education/Investing-Basics/Bonds-vs.-Bond-Funds-Which-Is-Better-When-Interest-Rates-Rise http://www.360financialliteracy.org/Topics/Investor-Education/Investing-Basics/Bonds-vs.-Bond-Funds-Which-Is-Better-When-Interest-Rates-Rise The Federal Reserve has said it expects to begin raising its target rate sometime in 2014. Since bond prices fall when interest rates rise, it may be a good time to pay increased attention to any fixed-income investments you have. Here are some factors to consider when you review your portfolio.

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Thu, 16 Jan 2014 14:57:14 EST
Think Outside the Shoe Box When Organizing Financial Records http://www.360financialliteracy.org/Topics/Budgeting-Spending/Budgeting-and-Saving/Think-Outside-the-Shoe-Box-When-Organizing-Financial-Records http://www.360financialliteracy.org/Topics/Budgeting-Spending/Budgeting-and-Saving/Think-Outside-the-Shoe-Box-When-Organizing-Financial-Records If you've ever had trouble finding an important financial document, you know why it's necessary to keep your financial records organized. Less clutter means less stress, and though you'll need to commit a bit of time up front to organize your files, you can save time and money over the long term when you can find what you need when you need it.

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Thu, 16 Jan 2014 14:38:20 EST
Rules Eased for Health FSAs http://www.360financialliteracy.org/Topics/Recent-Legislation/Tax/Rules-Eased-for-Health-FSAs http://www.360financialliteracy.org/Topics/Recent-Legislation/Tax/Rules-Eased-for-Health-FSAs Recent changes announced by the Internal Revenue Service (IRS) modify the "use-it-or-lose-it" rule that applies to health flexible spending arrangements (FSAs). Plan sponsors will now have the option of allowing participants in health FSAs to carry over up to $500 of unused funds in a health FSA to the following plan year.

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Thu, 09 Jan 2014 14:37:22 EST
Don’t Make These Five Online Shopping Mistakes http://www.360financialliteracy.org/Topics/Budgeting-Spending/Holidays/Don-t-Make-These-Five-Online-Shopping-Mistakes http://www.360financialliteracy.org/Topics/Budgeting-Spending/Holidays/Don-t-Make-These-Five-Online-Shopping-Mistakes Online spending in the United States is expected to hit $370 billion by 2017, up from $262 billion in 2013, according to Forrester Research. Consumers were most likely to shop for books, stationery or office supplies, followed by apparel and consumer electronics, based on an NPD Group study. Online shopping can be a great convenience, but there are steps you should take to ensure a safe and satisfying experience. Here are five mistakes to avoid.

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Thu, 14 Nov 2013 13:55:35 EST
Take Control of Holiday Spending! http://www.360financialliteracy.org/Topics/Budgeting-Spending/Holidays/Take-Control-of-Holiday-Spending http://www.360financialliteracy.org/Topics/Budgeting-Spending/Holidays/Take-Control-of-Holiday-Spending What are your holiday shopping plans this year? American retail holiday spending totaled about $580 billion in 2012, according to the National Retail Foundation, up 3% from the previous year. This is clearly a time of year when people dig deep into their pockets to pay for holiday gifts and celebrations, but that doesn’t have to put a dent in your budget. 

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Thu, 14 Nov 2013 13:50:38 EST
2013 Year-End Tax Planning Considerations http://www.360financialliteracy.org/Topics/Recent-Legislation/Tax/2013-Year-End-Tax-Planning-Considerations http://www.360financialliteracy.org/Topics/Recent-Legislation/Tax/2013-Year-End-Tax-Planning-Considerations As the end of the 2013 tax year approaches, set aside some time to evaluate your situation. Here are some things to keep in mind as you consider potential year-end tax moves.

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Wed, 13 Nov 2013 17:50:11 EST
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
Estate Planning and Income Tax Basis http://www.360financialliteracy.org/Topics/Taxes/Income-Tax/Estate-Planning-and-Income-Tax-Basis http://www.360financialliteracy.org/Topics/Taxes/Income-Tax/Estate-Planning-and-Income-Tax-Basis Income tax basis can be important when deciding whether to make gifts now or transfer property at your death. This is because the income tax basis of the person receiving the property depends on whether the transfer is by gift or at death. This, in turn, affects the amount of taxable gain subject to income tax when the person sells the property.

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Wed, 16 Oct 2013 11:37:40 EDT