IRA Withdrawals that Escape the 10% Tax Penalty
Oct20

IRA Withdrawals that Escape the 10% Tax Penalty

The reason withdrawals from an Individual Retirement Account (IRA) prior to age 59½ are generally subject to a 10% tax penalty is that policymakers wanted to create a disincentive to use these savings for anything other than retirement.¹ Yet, policymakers also recognize that life can present more pressing circumstances that require access to these savings. In appreciation of this, the list of withdrawals that may be taken from an IRA...

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Hug a Tree, Not an Employee
Oct20

Hug a Tree, Not an Employee

Hugging your employees might be cause for legal action, as in the case of Zetwick vs. County of Yolo. In that lawsuit, Zetwick, a female Sheriff’s correctional officer filed a claim of hostile work environment… and she has records of what happened and when. Her claims were against the new Sheriff and include over 125 hugs and 1 unwelcome kiss on the cheek between 1999 and 2013. In addition, she witnessed this happening to...

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Raises Aren’t Raising
Oct20

Raises Aren’t Raising

In 2008, many employees either lost their jobs or their pay was frozen. And every year since then, employees have been crossing their fingers that this will finally be the year where they will see a significant increase in pay. But it’s not. Aon Hewitt’s U.S. Salary Increase Survey of 1,074 companies shows base wages and bonuses won’t be increasing in 2017 any more than they did in 2016. This is the 5th year...

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Best Performing Asset Classes
Oct20

Best Performing Asset Classes

Tip: Fund Flows. In January 2017, investors added $10 billion to mutual funds, a significant shift from the $56 billion they had taken out of mutual funds the month before.
Source: Investment Company Institute, 2017 According to Yale University’s Crash Confidence Index, about 24% of investors believe the stock market will crash sometime during the next six months.”1 However, if their fear leads them to avoid the entire...

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Avoiding Cognitive Decline
Oct20

Avoiding Cognitive Decline

As I take on a rite of passage as an adult…taking care of an elderly grandmother with dementia, I wanted to share a bit more about preventing cognitive decline. This is a joint task that my brother & I (and our families-spouses and kids) will share for the rest of her life. She won’t remember it, she has moderate to severe dementia. Of those aged 65 and older, 10 to 20 percent have mild cognitive impairment. In addition, women...

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