Spring is here, it is time to purge
I have tried but I have no urge
Oh, wait what has happened to my stress
My house is clean and not a mess
It all looks so fine and exceptional
Only because I hired a professional
- Michael Tannery (with a glass of wine and apologies to Dr. Seuss)
Social Security benefits should be one part of a broader retirement plan. As such, you will want to consider how these benefits supplement other sources of retirement income that you may receive from 401 K’s, individual retirement accounts or other retirement saving plans. Getting a complete Financial picture can help you determine when it’s appropriate and or necessary for you to start to claim your Social Security benefits.
“This is the IRS and you owe taxes. Unless you pay RIGHT NOW with iTunes Gift cards we are going to come and take you to jail”
Sounds ludicrous, yet thousands of people have lost millions of dollars and their personal information to tax scams. Scammers use the regular mail, telephone, or email to set up individuals, businesses, payroll and tax professionals.
The IRS DOES NOT INITIATE CONTACT with TAXPAYERS. They do not use social media, email or text messages.
With just about six weeks left before the April filing deadline, the scammers and crooks are out in full force. The scammers are getting better by the day and have created many new angles to steal your money.
My grandmother Mamaw always collected S & H Green Stamps when she went shopping. Green Stamps were an early reward and loyalty program. Customers would receive stamps at the checkout counter of supermarkets, department stores, and gasoline stations among other retailers, which could be redeemed for products in the S&H Green Stamp’s store catalog.
She might not appreciate ordering a Venti Non-Fat two equal extra hot café latte at Starbucks, however, she would understand using the Starbucks App on her smartphone and collecting Stars to get free drinks.
I am sure that Mamaw would find ways to shop online and save money.
Valentine’s Day is a time to celebrate romance and love with dark chocolate and red wine (my choices and heart healthy). Give yourself the gifts you cannot get on Amazon.
Before we focus on what you can do for yourself on this Valentine’s day let me give you the three NO’S that you just don’t want to do.
- Valentines Dinner at a restaurant– This is like going to the grocery store at 2:00 PM on Wednesday before Thanksgiving. Yes, you can get fed, but romantic? Not a chance. It makes dining on the Titanic have a better ending.
- Roses– NO, especially stopping at the Kroger on the way home and buying from the tent in the parking lot. This says, oh I realized I should do this, but I made it look like I was stopping to fill up with gas and picked up roses. Go buy an Orchid. They last longer, and it says you have some sense about you.
- Victoria’s Secret– At one point in time this store was unique and different. Now is it mass produced and while she will smile and giggle, what she is thinking is “how lame”. Don’t do it!