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Mary's Money Minute Newsletters

November 2017

What You Can Do with a Will: A will is often the cornerstone of an estate plan. Here are five things you can do with a will.

Does Your Business Need a Buy-Sell Agreement? When you're mired deep in the day-to-day challenges of the management of your business, it's often hard to step out of the trees and take a good hard look at the forest. But at various points in the business cycle, it's important to do just that.. 

Ten Year-End Tax Tips for 2017: Here are 10 things to consider as you weigh potential tax moves between now and the end of the year.

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October 2017

Company Stock and Your Portfolio: Keep Your Eye on Concentration Risk: The opportunity to acquire company stock — inside or outside a workplace retirement plan — can be a lucrative employee benefit. But having too much of your retirement plan assets or net worth concentrated in your employer's stock could become a problem if the company or sector hits hard times and the stock price plummets.

Managing Debt While Saving for Retirement: It's a catch-22: You feel that you should focus on paying down debt, but you also want to save for retirement. It may be comforting to know you're not alone.

Is the Social Security Administration still mailing Social Security Statements?: For several years, the Social Security Administration (SSA) mailed these statements every five years to people starting at age 25, but due to budgetary concerns, the SSA has stopped mailing Social Security Statements to individuals under age 60.

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September 2017

For Women, A Pay Gap Could Lead to a Retirement Gap: Women in the workforce generally earn less than men. While the gender pay gap is narrowing, it is still significant. The difference in wages, coupled with other factors, can lead to a shortfall in retirement savings for women.

Life is for the Living, and So Is Life Insurance: September is Life Insurance Awareness Month. Life can be busy. The requirements of work and family often leave little time to step back and think about where you've been and where you're heading. But as your responsibilities grow, so does the need to evaluate what would happen if life for you stopped.

Medicare and Your Employer Health Plan: How does Medicare work with your group health plan? If you plan to continue working after you reach age 65, you may be wondering how Medicare coordinates with your employer's group health plan. When you're eligible for both types of coverage, you'll need to consider the benefits and costs, and navigate an array of rules.

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August 2017

Hot Topics: Your Money Philosophy: What the heck is a money philosophy? Guess what? You already have one - you just may not know it! Money Philosophy is what you feel money does for you in your life.

Q&A's on Roth 401(k)s: The Roth 401(k) is 10 years old! With 62% of employers now offering this option, it's more likely than not that you can make these contributions. Are you taking advantage of this?

Nearing Retirement? Time to Get Focused: If you are within 10 years of retirement, you've probably spent some time thinking about this major life change. The transition to retirement can seem a bit daunting, even overwhelming. If you find yourself wondering where to begin, the following may help you focus.

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July 2017

Alternatives to Long-Term Care Insurance: The costs of long-term care can be overwhelming, potentially exhausting retirement income and savings. You may be thinking about buying long-term care insurance (LTCI) to help cover some of the potential costs of long-term care, but LTCI can be expensive, and if you do buy the coverage, you probably hope you never have to use it.

Test Your Investing IQ: How much do you know about market basics? Put your investing IQ to the test with this quiz on stocks, bonds, and mutual funds.

Kickstart Your College Fund with a 529 Plan: If you're looking to save money for college, one option to consider is a 529 college savings plan. How does it work? What are the benefits? What are the tradeoffs? Find out more here.

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June 2017

Pick up your book now!: Are You Ready To Pull The Retirement Trigger? hit bookstores June 20th.

Student Loan Debt: It isn't just for Millennials. A student loan debt clock at estimates current outstanding student loan debt — including both federal and private student loans — at over $1.4 trillion.

Expect the Unexpected: What to do if you become disabled:  Although you may be healthy and financially stable now, an unexpected diagnosis or injury could significantly derail your life plans. Would you know what to do, financially speaking, if you suddenly became disabled? Now may be a good time to familiarize yourself with the following information, before an emergency arises.

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May 2017

Pre-Order Your Book Now!: Mary's new book, “Ready To Pull The Retirement Trigger? Your Strategic Guide To Retire With Confidence” went to international best-seller status as an e-book on Amazon in 6 countries. It will be released in its  print version on June 20th and be available in bookstores across America. You can preorder a copy now at your favorite bookstore – like Barnes & Noble , Books-a-Million , Amazon and more!

Tax Benefits of Homeownership: Buying a home can be a major expenditure. Fortunately, federal tax benefits are available to make homeownership more affordable and less expensive. There may also be tax benefits under state law.

Is it Wise to Trade Your Pension for a Lump Sum?: Many pension plan participants have the option to take their money in a lump sum when they retire. And since 2012, an increasing number of large corporate pensions have been implementing "lump-sum windows" during which vested former employees have a limited amount of time (typically 30 to 90 days) to accept or decline buyout offers.

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April 2017

Four Ways to Double the Power of Your Tax Refund: The IRS expects that more than 70% of taxpayers will receive a refund in 2017.¹ What you do with a tax refund is up to you, but here are some ideas that may make your refund twice as valuable.

Converting Retirement Savings to Retirement Income: You've been saving diligently for years, and now it's time to think about how to convert the money in your traditional 401(k)s (or similar workplace savings plans) into retirement income. But hold on, not so fast. You may need to take a few steps first.

What happens to my property if I die without a will? If you die without a will, your property will generally pass according to state law (under the rules for intestate succession). When this happens, the state essentially makes a will for you. The specifics, however, vary from state to state.

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March 2017

Due Date Approaches for 2016 Federal Income Tax Returns: Tax filing season is here again. If you haven't done so already, you'll want to start pulling things together — that includes getting your hands on a copy of last year's tax return and gathering W-2s, 1099s, and deduction records.

Hot Topic: Why Diversification Matters: Why is diversification so important? The simple reason is that it helps ensure that your risk of loss is spread among a number of different investments. The theory is that if some of the investments in your portfolio decline in value, others may rise or hold steady, helping to offset the losses.

What are some tips for creating a home inventory? Imagine having to remember and describe every item in your home, especially after you've been the victim of a fire, theft, or natural disaster. Rather than relying on your  memory, you may want to prepare a home inventory — a detailed record of all your personal property. This record can help substantiate an insurance claim, support a police report when items are stolen, or prove a loss to the IRS. Here are some tips to get started.

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February 2017

Tax Tips for the Self-Employed: When you worked for an employer, payroll taxes to fund Social Security and Medicare were split between you and your employer. Now you must pay a self-employment tax equal to the combined amount that an employee and employer would pay.

Grandparents Can Help Bridge the College Cost Gap: If you're a grandparent who would like to help fund your grandchild's college education, here are some strategies.

Can the IRS waive the 60-day IRA rollover deadline? If you take a distribution from your IRA intending to make a 60-day rollover, but for some reason the funds don't get to the new IRA trustee in time, the tax impact can  be significant.

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January 2017

Wills vs Trusts - is one better than the other: What is a Trust? What is a Will? Which is right for you?

Memory Loss and Retirement Planning: Cognitive impairment (CI), often attributable to dementia or Alzheimer's disease, can have profound implications for your overall health and well-being, particularly during retirement. The cost of care can absorb income and significantly deplete retirement savings.

Growth, Value, or Both: The terms growth and value are often used to describe two different investment strategies, yet many investors may want both qualities in an investment.

Holiday Debt? t's a common occurrence once the holiday season winds down — you reluctantly look at your credit card statement and wince at all the purchases you made over the holidays. Fortunately, there's no need to panic. Consider using one of the following strategies to help pay it off.

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December 2016

Playing Catch-up With Your 401(k) or IRA: A recent survey of baby boomers (ages 53 to 69) found that just 24% were confident they would have enough money to last throughout retirement.

Are You Ending 2016 Healthy, Wealthy, and Wise? With so many charities to choose from, it's more important than ever to ensure that your donation is well spent. Check out these six tips that can help you make smart and effective charitable donations. 

What It Means to Be a Financial Caregiver for your Parents: If you are the adult child of aging parents, you may find yourself in the position of someday having to assist them with handling their finances. Whether that time is in the near future or sometime further down the road, there are some steps you can take now to make the process a bit easier.

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