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视频税提示来自国税局
今日订阅:RSYouTube频道提供英文、西班牙文和ASL等与税务相关题目短短视频
管理好时与坏
联邦存款保险公司提供保护消费者信息、免费出版物和连接资源帮助管理您的金融。 FDIC消费者新闻提供财务管理基础实用指南,包括预算编制、储蓄、支付大学费用、保护身份和批判性评价不同贷款fdic.gov/resources
社保局退休
社保局提供多项在线服务帮助您规划并申请退休福利,更多细节和链接见www.socialsecurity.gov.
准备净值报表
准备净值报表一年一次使用帮助工具 规划下一年使用提供额外资源帮助您处理过程
切换现金
包括帮助情侣小技巧避免冲突钱相关联 包括监听 通信 解决钱的分歧
时收入下降
Losing a job or otherwise experiencing a loss of income is a challenge in the best of times. In the current economy, it is essential to map out a plan to get back on your feet again. The University of Georgia recently updated a series of fact sheets (and developed a companion PowerPoint presentation) called When Your Income Drops to help with this process. The PowerPoint presentation, fact sheets, and activities are designed to help you develop a plan to move you forward. The information is for people who have recently lost their jobs or otherwise experienced a reduction in income, but will be helpful to others as well.查下网站.
准备平面图保持知情准备
Are you prepared in case of a natural disaster? Recent high wind storms and torrential rains may have caused you to consider how prepared you are for an emergency. While you should prepare an emergency kit in case you need to protect yourself or leave your home quickly, it's also important to remember that natural disasters don't just affect us physically and emotionally. They also affect us financially. We never think that something like a fire or tornado will destroy our property, but it's better to be prepared than surprised. Remember, insurance will cover the loss of your property, but it will not bring back precious memories or heirlooms. The following are a couple of ways to make sure you are prepared financially should disaster strike.
- 取锁盒或买保险箱锁箱价格通常介于每年20-200美元不等,并有几大可用。锁盒取密钥however, if you should lose your key, you can have the box drilled (for a price) and still be able to retrieve your possessions. You can also purchase a home safe at many local stores. This may require you to remember a code or keep a key. Safes should be bolted to the floor (if someone breaks into your house, you don't want them to be able to take it with them) and should be stored out of sight. Things that should go in a lock box or safe include financial information (accounts, investments), tax information, passports, family heirlooms (jewelry or pictures), insurance information, and information about property in your home.
- Back everything up. We keep everything on our computers. However, if something happens to your computer, you may lose everything. Back up important information like taxes, bank account information, email and physical addresses, and other sensitive or important information. You can do this by putting information on a CD, memory card, or external hard drive. These are items that are easy to obtain and some are fairly inexpensive. It is a good idea to keep a copy of what you have backed up in a lock box or safe, but to also send a copy to a trusted friend or family member in case you may need the information quickly.
- Make copies of everything. It is crucial that you know everything you have. If you just bought that big screen TV that has taken a year to save for, you want to make sure it can be replaced. Take pictures of your possessions, include receipts if possible. Store that information in a safe/lock box and give a copy to a friend or family member. If your property is destroyed, you will have proof of what you own, how much it cost and what it looked like, which makes dealing with the insurance company much easier. You will also want a copy of your driver's license, Social Security card and other identification in case you have to prove your identity.
- Make lists and lots of them. Make sure you have a list of emergency contacts, including your bank / credit union, doctor, pharmacy, insurance company, and other people you contact on a regular basis or from whom you require help. Have their name, several phone numbers, email address, physical address and relationship on this list. Make sure people you trust and can get in contact with quickly have a copy of this list too. It is also a good idea to keep a contact list on you in case you are injured. If you or a family member is on medication, it is essential that you keep a list of that medication with you. Let others know what medications you take regularly (especially if it is something like medication for diabetes or heart problems).
准备.gov有一个很好的项目列表帮助建立急救箱,包括水、食物和急救件,以及其他各种重要的个人项目。你可以找到更多信息制作急救箱和行动计划www.ready.gov.
来源:爱荷华州立大学金融咨询诊所周报2010年7月23日