5 Security Strategies for College-bound Students

If you are a college-bound student or the parent of one, you know computers and mobile devices are must-have tools for academic and social activities. But do you know the best ways to stay safe surfing, shopping, banking and socializing online?

College dorm: Students moving in

Study these tips to keep your personal information personal and protect your stuff while you’re away from home.

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Should My Spouse and I File Taxes Jointly or Separately?

Whether it’s something as simple as picking a restaurant or as complex as deciding whether to have children, marriage requires lots of mutual decision-making.

Financial advice

Couples who tie the knot will have another choice to add to that growing list next tax season, as they can either file joint or separate returns. This choice can affect the amount of taxes they owe or the size of their refunds.

Here’s a closer look at these two options and how to determine which filing status is best for you and your spouse.

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For Single Parents: Juggling College Costs and Retirement Savings

A quick tip from Lynnette Khalfani-Cox, The Money Coach®

The cost of college has risen exponentially over the past few decades. If you’re a single parent, it may seem impossible to save for both college and retirement. When it comes to which matters most, put yourself first. Why? Because there are plenty of options to help get your kids to college, but there aren’t loans or scholarships to help you retire securely.  Continue reading

Having Tough Money Talks With Loved Ones

By Lynnette Khalfani-Cox, The Money Coach®

No matter how tight a bond you may have with your loved ones, it can still be challenging to talk to them about sensitive financial topics. After all, money is often regarded as a taboo subject. Even worse: disagreements about financial matters can potentially strain your closest relationships.

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Didn’t Receive a W-2? Here’s What to Do

A quick tip from Lynnette Khalfani-Cox, The Money Coach®

Before you fill out your federal income taxes — or have an accountant complete that chore for you —  you’ll need to collect W-2 forms from your current or former employers. Companies are supposed to send out your W-2, also known as a Wage and Tax Statement, by Jan. 31 of each year. Unfortunately, not all businesses meet this deadline.

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Engagement Rings: Study Shows Spending Less Leads to Longer Marriages

By Lynnette Khalfani-Cox, The Money Coach®     

I’ll never forget the night my husband Earl popped the question.

We were on a business trip and staying at a beautiful hotel in San Francisco. After a whirlwind day, we stood on the hotel balcony overlooking the city, talking about all we’d accomplished together. All of a sudden, Earl got down on one knee, told me how much he loved me, and asked me to be his wife. I immediately said yes. In my excitement, I didn’t realize that Earl proposed without giving me a ring.

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Ask the Advisor: Money Moves to Make in Your 40s

By Sander Tom, CFP® 

Sander Tom is a Certified Financial Planner with SchoolsFirst FCU.

According to a recent survey conducted by the Employee Benefit Research Institute, American workers who invested in an employer-sponsored retirement plan or individual retirement account, or IRA, said they saved more and felt less stressed. Here are some smart moves to help you save more and protect your family and assets. Continue reading