How to Use Credit Reports to Improve Credit Scores
How can a credit report be used to improve credit scores? Some opportunities include: correct payment history, lower utilization, lengthen credit history, limit new credit applications, and improve credit mix.
Potential Financial Steps for T-Mobile Employees in July
What financial steps might T-Mobile employees take in July? Options could include: check credit reports, review / rebalance investment portfolio, take summer vacation, attend camps, and submit dependent care reimbursements
Contribute to Pre-Tax or After-Tax?
Many people struggle to decide whether to contribute to a pre-tax account, after-tax account, or both. Both options may exist for plans like a 401(k), 403(b), 457(b), and Individual Retirement Arrangement (IRA). The after-tax version is often a Roth plan.
Imagine Summer Without These!
Try to imagine summer without: scoops of ice cream, potato chips, golf tees, refrigeration, Super Soakers, lemonade, cakes, whipped cream, and meringues. They all have a fun connection!
How Might the T-Mobile / UScellular Merger Un-Fold?
How might the T-Mobile / U.S. Cellular merger un-fold? T-Mobile has a playbook it’s used for its MetroPCS, Sprint, and Mint mergers. Although every merger is a little different, the UScellular merger will likely have many similarities.
Potential Financial Steps for T-Mobile Employees in June
What financial steps might T-Mobile employees take in June? Options could include: enjoy end of school year, replenish emergency fund, prepare for vacation and camps, and submit dependent care reimbursements.
How Americans Spend
Half of American household spending was on housing and transportation in 2022. Almost all expenses increased until middle age and then fell. Healthcare was the exception which kept rising with age.
How to Minimize Lifetime Taxes
Many people focus on reducing taxes for the previous year. Some take proactive steps to reduce their tax bill for this year. Very few proactively minimize their lifetime incomes taxes.
Shop Auto Insurance
Many people overpay for auto insurance. They can go years - even decades - without getting multiple quotes. Insurance is highly regulated. Its quality largely depends on the coverage and financial strength of the insurer. The agent down the street may cost a lot! Trust everyone but cut the deck.
Potential Financial Steps for T-Mobile Employees in May
What financial steps might T-Mobile employees take in May? Options could include: review tax withholding (Form W-4), update goals and financial plan, check student loan / other debt balances, fund education savings, and schedule fall Paid Time Off (PTO).
Benefit from Stop, Start, Continue!
Benefit from Start, Start, Continue! This technique applies to many areas of life - including personal finance.
Rich Is Flashy
Rich is flashy. However, few things can destroy someone’s wealth faster than trying to look rich.
Own Like a Billionaire?
A lot of the focus has been on how much those with significant wealth own. However, what they own might be even more interesting! This article leverages data from the Federal Reserve to compare what households own at varying levels of wealth.
Is a Home an Investment?
Is a home an investment? The majority of voters in a recent LinkedIn poll think so! However, it’s worth a deeper dive.
Potential Financial Steps for T-Mobile Employees in April
What financial steps might T-Mobile employees take in April? Options could include: evaluate stock purchased at a discount, file tax return(s) or extension(s), make tax payment(s) or plan refund(s), review / rebalance investment portfolio, replenish emergency fund, and review tax refund(s).
Raise Rent on Parents?
Does it make sense to raise the parents’ rent?
Will You Owe Estate Tax?
Will you owe estate tax? It may depend on your state!
How Does an ESPP Work?
How does an Employee Stock Purchase Plan work?
Potential Financial Steps for T-Mobile Employees in March
What financial steps might T-Mobile employees take in March? Options might include: select employee stock contribution %, plan major expenses, finalize last year contributions, prepare taxes, and schedule summer Paid Time Off (PTO).
What to Do with RSUs?
What to do with Restricted Stock Units? There are at least fifteen (15) things to do besides hold onto the shares.
