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Your Smart Money Moves - The BEST Personal Finance Blog for Generation X and Y sponsored by oXYGen Financial
Updated: 51 min 34 sec ago
Your Butt Dialing Costs Us All Big Money
We’ve all done it before. It’s that infamous term people call ‘pocket dialing’ or ‘butt dialing’. It’s that time when you get a call from someone unexpected and after the third time you’ve said ‘hello’, ...
Are My Withholdings For Taxes Correct?
Since tax season has just passed, you are probably in one of two states of minds. Either a) you love your CPA because you got a big refund, or b) you hate your CPA because ...
The New Credit Card Problem: A College Education
Amidst the many financial and economic discussions happening around the United States, there is a serious issue lurking right around the corner. Although mortgage rates are around their all time low and consumer borrowing appears ...
Does Your 401(k) Offer An “In Service” Distribution?
For Generation X clients, the majority of their retirement savings are in the company 401(k). While you do have a multitude of options of what you can do with your 401(k) if you leave your ...
Four Legal Things to Do With Your Tax Refund
April 17th has come and gone. Hopefully, you are like most Americans and Uncle Sam owes you a refund. This year the average refund was just a shade under $3,000. While it is tempting to ...
5 Ways To Save Money On Mother’s Day
Mother’s Day is less than a week away and word on the street is that spending is up this year. The National Retail Federal found consumers will spend 16.3 billion dollars on moms this year. ...
Please Slap My Hand When I Spend Money!
For Generation X, I’ve noticed something over the past couple of years around money that seems to becoming a trend. Even though you are college educated (maybe an MBA), have a great job as a ...
Beneficiary Designations for your IRA
What Beneficiary Designations mean and why they matter…
For most people, “estate planning” means drafting documents (such as a Last Will and Testament) that makes sure that your property is managed and distributed according to ...
5 Things You Won’t Hear At The College Graduation Commencement Speech
It’s been over 20 years since I heard my college graduation commencement speech. I can’t say I remember very much of it except that it was like hearing some sort of State Of The Union ...
How Much Do I Give For A Wedding Gift?
Your college roommate or long time childhood friend invites you to their wedding. Or better yet, you’ve got a big family and your second cousin Joe is getting married and last time you saw him ...
Your Kid Just Received A National Award and a $3000 Bill!
I love my kids. I really do. Like any parent, you get excited when they get good grades, their sports teams do well, or they achieve something special that helps you feel like you are ...
Personal Finance 101: Generation X – You Just Turned 40: Last Time To Get Life Insurance?
Generation X is classically defined at people born between the years 1965 and 1979. Pretty much those of you in your early 30’s to the mid 40’s. However, having given personal financial advice to thousands ...
I Need A Budget! Where Do I Start?
Whether you are 22 years old or 52 years old, you are truly the CEO of your family finances. There are those of us that love to track, manage, and watch our monthly numbers, and ...
Top 5 Celebrities Who Had Tax Problems With The IRS
If you ever get the chance to become famous, it may be followed by fortune. Stars that get the chance to be in the Hollywood limelight or reach tremendous athletic prowess can often make tens ...
Georgia Residents: Should You Buy A Car This Year or Next Year?
Legislation passed a few weeks ago in the state of Georgia that may make you consider whether it is a good time to buy a car this year in 2012 or wait until after March ...
Can You Protect Yourself From Online Hackers?
We have seen a steady rise in online shopping with consumers over the last decade. Many people choose to purchase their goods and services online versus waiting in lines and rummaging through department stores. Over ...
6 Potential Red Flags That Can Get You Audited?
You never know ultimately what could cause you and audit once this tax season is over. Here are 6 potential red flags to avoid that could put you in hot water.
You make stupid mistakes- Information ...
5 Ways To Cut Down Your Cell Phone Bill
Many of the clients I sit down with tell me how their basic bills continue to rise year over year. Two of the main monthly costs that keep going up and up for many families ...
The Home Office Deduction: Is This Really An IRS Red Flag?
During this time of tax season, we often find last minute filers asking questions about what deductions they can or cannot take based upon whether they think they’ll owe money or get a tax refund. ...
Autopay Bills: A Good Idea Or Not?
They say with investing that out of sight out of mind is a great idea or you’ll end up spending your money. When it comes to paying monthly bills, it seems that the ‘out of ...
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