Home | Visitor's Guide | Login Reminder | Contact Us | Subscriptions | Help Wanted
La Conner Weekly News | La Conner, WA

home : northwest living : personal finance
April 19, 2018

The most common causes of homeowners insurance claims
(BPT) - The value of homeowners insurance is often thrust into the national spotlight when natural disasters happen. The devastation and financial loss they can cause reinforces the importance of making sure you have adequate insurance coverage to rebuild if disaster strikes your home. In 2017 alon... More >>

Tips and tricks to keep your car looking new this spring
(BPT) - The colder weather is fleeting, flowers are blossoming and the grass is just a little greener, which means spring is finally here. While most of your time will be spent preparing your home, clothes and family calendars for the warmer weather, it’s important not to forget about your ca... More >>

Advice for adult children of aging parents who need help at home
(BPT) - Helping a parent stay active and healthy at home can be achieved with careful planning. The rewards of personally caring for, or managing the care of, a loved one who needs help are innumerable. It’s an opportunity to give back and to offer a return on the loving investment they once ... More >>

Having tax regrets? Here are 5 ways to pay less and save more on your taxes
(BPT) - Most of us know the feeling: Tax season can be a frustrating and stressful time. You have to gather lots of documents, remember all the changes in your life over the past year that might affect your return, and file the required paperwork before tax day rolls around.And while you do all of ... More >>

Healthcare hints: 5 savings tips for budget-conscious consumers
(BPT) - As Americans work hard to meet all the obligations that come with work, family and everyday life, many are challenged to find time to manage all the financial elements affecting their healthcare.If you're among them you're far from alone, since the multiple details associated with healthcar... More >>

5 tips to create a personalized shed
(BPT) - The backyard. It’s your oasis. Your happy place. Your second living room. It’s the place to go not only for “me” time — but quality time with friends and family.This National Barbecue Month, the Hearth, Patio & Barbecue Association wants to help you make yo... More >>

The real bottom line: Maximize the value of your Medicare dollar
(BPT) - In a recent survey, 43 percent of newly retired people said they were spending more on health care than they planned. One of the primary reasons? An unintentionally misguided approach to choosing their Medicare coverage.To make the process of comparing their plan options easier, too often p... More >>

Health care costs in retirement: Can you separate fact from fiction?
(BPT) - As their 65th birthday looms, many people eagerly anticipate the affordable access to health care that Medicare will provide. After all, Medicare covers everything, right? Not exactly. Because of this common misconception, many people are caught off guard when they realize that each one of ... More >>

If it can rain, it can flood: Why flood insurance is a wise bet for homeowners
(BPT) - The federal government considers floods the nation's most common natural disaster. They strike every state and leave homeowners with huge repair costs. Why? Because typical homeowners insurance doesn't cover flood damage.Those policies may provide protection for water damage when it comes t... More >>

Your prescription drug coverage and medication questions answered
(BPT) - Prescription drug coverage and medications can be complex territory.Enter UnitedHealthcare Medicare & Retirement’s Chief Pharmacy Officer Mike Anderson, PharmD, who has spent his career navigating the ins and outs of the Rx world.Below, Anderson answers some questions people frequ... More >>

5 Tips for Today's Freelance Entrepreneur
(BPT) - From millennials who have been grinding away in the workplace for a few years to Gen Xers looking to move out of their cube, many have been intrigued by the possibility of freelancing.It means the freedom to set your own hours, to work closely with clients, to be your own boss and have grea... More >>

Now that the taxes are filed, give your small business a checkup
(BPT) - A challenge for any entrepreneur is getting access to capital. If you’re like many, you’re constantly looking for ways to reduce expenses and free up cash flow so you can be ready for anything, whether it’s a slow season or an opportunity to expand.When tax season rolls ar... More >>

Problem Gambling: Know When to Stop Before You Start
(BPT) - The bright lights. The energy and laughter that fills the room. Casinos are fun and exciting to the vast majority of people but for some, they can be problematic.Casinos are a form of entertainment, so how do you ensure what’s meant to be a fun and leisurely activity continues to be a... More >>

The new tax law: What you need to know now
(BPT) - With the Tax Cuts and Jobs Act of 2017 having been signed into law, here are some of the things you should be thinking about as tax season approaches, according to Robert Fishbein, vice president and corporate counsel, Prudential Financial Inc.2017 tax returnsThe new tax law is generally ef... More >>

Tax help for each kind of procrastinator [Video]
Sorry, but your browser does not support the video tag. var bptVideoPlayer = document.getElementById("bptVideoPlayer"); if (bptVideoPlayer) { var cssText = "width: 100%;"; cssText += " background: url('" + bptVideoPlayer.getAttribute("poster") + "');"; cssText += " -webkit-backgrou... More >>

How to handle rising interest rates in 2018
(BPT) - The nation’s central bank — the Federal Reserve — just raised interest rates by a quarter point. The Fed is expected to raise rates at least two more times this year by the same amount. That’s going to affect a lot of your finances, including your credit card bill, c... More >>

How many miles per gallon does your home get?
(BPT) - Everyone wants the inside scoop on how to get the best deal. Ironically, consumers will do a bunch of research over a $500 smart phone and relatively little for the largest purchase of their lives, their homes.Most home buyers focus on price and payments, however, factoring in a home’... More >>

Credit tips for buying an investment property
(BPT) - If you love the idea of being a landlord, and don’t mind being on duty around the clock, buying an investment property may be the wealth-building option for you.Property values have enjoyed a steady increase over the decades. That’s why real estate has earned its reputation as a... More >>

Tax-time tips in the final stretch of the tax season
(BPT) - The April 17 tax filing deadline is quickly approaching. While many are excited about the possibility of a tax refund, nearly 1 in 3 taxpayers waits until April to file their return. Whether filing online or meeting with a tax professional, H&R Block shares three tips to help make the f... More >>

Earth Day 101: 6 impactful ways to teach your kids about food waste
(BPT) - America needs to address its food waste problem, and a good place to start is taking steps to teach our children to conserve food.Right now, a staggering 40 percent of all food in the U.S. goes to waste when restaurants, supermarkets and consumers throw it away, costing our national economy... More >>

What's driving car care and purchases this spring
(BPT) - As the weather starts to warm up, Americans will hit the road more often for destinations ranging from family outings to spring vacation destinations. Because cars are such an important part of our daily lives, Hankook Tire examined what drives Americans to keep up with car maintenance, as ... More >>

5 musts for a low-stress, on-budget DIY home project
(BPT) - Owning your own home is a life accomplishment for many adults, and keeping it looking sharp and adding your personal touches brings a sense of pride. It seems there are always things you want to improve, so don’t let a limited budget or lack of know-how hold you back from dreaming. Th... More >>

Expert advice this tax season and pay half what you paid someone else last year [Video]
Sorry, but your browser does not support the video tag. var bptVideoPlayer = document.getElementById("bptVideoPlayer"); if (bptVideoPlayer) { var cssText = "width: 100%;"; cssText += " background: url('" + bptVideoPlayer.getAttribute("poster") + "');"; cssText += " -webkit-backgrou... More >>

How to be 'money smart' in a digital world
(BPT) - Modern digital technology has replaced landlines, television antennas, VCRs, CDs and many other things that were once part of our daily lives — and the next thing to go may well be cash.A few years ago, the idea that we would no longer use cash would have seemed outlandish, but it&rsq... More >>

4 ways hardscapes can add value to your home
(BPT) - Outdoor hardscape projects add resale value to a home as well as bring extra enjoyment to homeowners while they are living in the home, according to the “Remodeling Impact Report: Outdoor Features” by the National Association of Realtors (NAR) and the National Association of Lan... More >>

6 project ideas to recreate your kitchen
(BPT) - As the hub of activity in a home, the kitchen serves many purposes: meal prep base, dining area, family gathering place, celebration zone, and entertainment center, to name a few. Does your high-use, heart-of-the-home kitchen meet the challenges and needs of your family life?If not, then it... More >>

Cash clever: Be too smart for these tax-time phone scams
(BPT) - If a smooth-talking phone caller has ever tried to cheat you out of your hard-earned money, you’re far from alone. Further, such scams tend to be rampant at tax time.An estimated one in 10 Americans lost money in phone scams between April 2016 and April 2017, says a recent Harris Poll... More >>

The Merchant Bill of Rights seeks to level the playing field for small businesses
(BPT) - Consumers who make just a few purchases each day may not think much about the companies that process their credit card. But for a small or mid-sized business, processors who aren’t transparent about the costs they pass on can add up to an expensive headache. Heartland is celebrating 1... More >>

Simple ways to save on your pet's medical costs
(BPT) - Pet parents know that there's nothing like the love of furry family members. Keeping your pets healthy is a priority because you want them to live as long as possible. However, health care costs for pets are expensive, and if you are dealing with additional expenses such as prescriptions fo... More >>

5 practical and fun ways to spend your tax refund
(BPT) - It’s that time of year again when you may find a little bit of extra money in your pocket, thanks to your annual tax refund. There are plenty of practical ways to spend it, such as putting it toward paying off credit cards, loan payments or even starting a college fund, but there is a... More >>

House hunting? Use this handy checklist before you make the offer
(BPT) - House hunting can feel like an adventurous new chapter in your life. If you're lucky enough to find the property that checks off all the "must have" boxes — appearance, size, price, location — it’s easy to fall in love.Not so fast. Before making an offer on any property, i... More >>

6 other college costs (and opportunities) to consider when the financial aid letter arrives
(BPT) - The last year of high school is a whirl of activity, and it’s no different when it comes to the final leg of college selection. Once the acceptance notifications arrive, it will soon be time to sit down with a different stack of mail: financial aid letters.As you undoubtedly know, the... More >>

Navigating Medicare: 5 allies who can help
(BPT) - Enrolling in Medicare for the first time or starting coverage under a new plan? It might bring you back to that first day starting a new job. You knew some of the basics, but you also knew there was a lot more to learn. More than likely, you got help from colleagues who have been around for... More >>

The secret to sticking to your resolutions just may lie in your Medicare benefits
(BPT) - Despite our best intentions, 80 percent of us have given up on our New Year’s resolutions by mid-February. Determined to make this year different? If you’re enrolled in Medicare, you might be surprised to learn that your benefits could give you an edge in your quest to stay moti... More >>

An underutilized retirement strategy
(BPT) - Across the nation, thousands of seniors have used a Home Equity Conversion Mortgage (HECM), commonly called a reverse mortgage loan, as a savvy way to access the equity in their homes as part of their retirement strategy.Those who are interested in a reverse mortgage loan should know that t... More >>

Small-business & self-employed surprises at tax time [Video]
Sorry, but your browser does not support the video tag. var bptVideoPlayer = document.getElementById("bptVideoPlayer"); if (bptVideoPlayer) { var cssText = "width: 100%;"; cssText += " background: url('" + bptVideoPlayer.getAttribute("poster") + "');"; cssText += " -webkit-backgrou... More >>

Retailers find purpose and share it with customers
(BPT) - Ninety-six percent of Americans are now shopping online, according to a recent study from CPC Strategy.Building meaningful connections with local communities is one way to captivate today's consumer, says Etienne Veber, president of Field Trip Factory, a firm that helps design, schedule and... More >>

Survey: Biggest concerns if tax refund is delayed [Video]
Sorry, but your browser does not support the video tag. var bptVideoPlayer = document.getElementById("bptVideoPlayer"); if (bptVideoPlayer) { var cssText = "width: 100%;"; cssText += " background: url('" + bptVideoPlayer.getAttribute("poster") + "');"; cssText += " -webkit-backgrou... More >>

4 tips for protecting your home this season and beyond
(BPT) - Winter is in full swing and extremely cold temperatures continue to grip much of the U.S.; which mean hats, gloves and high home maintenance bills could be in your future. According to recent data from the Insurance Information Institute, in 2016 severe winter weather cost homeowners more t... More >>

Transform the look and feel of your kitchen with an updated sink
(BPT) - While everyone would love a complete kitchen makeover, you can still freshen and update the look of this room by taking on smaller projects.The perfect place to start is the kitchen sink. Most people don’t realize it, but a well-chosen sink has the potential to create the perfect foca... More >>

5 ways travel will change in 2018
(BPT) - As international travel gains popularity each year, new destinations are added to bucket lists and new travel gadgets and accessories appear on the market. The way we travel has changed in the past few decades, but that age-old itch to explore and discover new places and experiences remains... More >>

Top trends to inspire your outdoor living
(BPT) - Outdoor living spaces rank first among special function rooms desired by consumers, according to the American Institute for Architects, and so homeowners are expected to be going all-in for the outdoors in 2018.Trex Company, a maker of premium decking and railing, has gleaned insights from ... More >>

Do the math: Homebuying now may save a lot
(BPT) - It is a common misconception that a 20 percent down payment is required to buy a home. Advice to wait and save a large down payment is often based on the theory that the cost of mortgage insurance (MI), which is required when you buy with a smaller down payment, should be avoided. This may ... More >>

Deciphering the legalese in your furnace warranty
(BPT) - From smartphones to mattresses, almost everything you buy comes with a warranty. How can you ensure you get the most benefit from a warranty, especially for a major investment that’s critical to the comfort of your home, like a new furnace?“Warranties are meant to assure a homeo... More >>

Rent vs. own: Which is right for you?
(BPT) - If you’re thinking of buying your first home, you’ve probably wrestled with the decision to rent or own your home — and for good reason.Owning a home is a big commitment. With it comes a lot of responsibility and a long-term financial relationship.But which is right for yo... More >>

5 tax tips for the self-employed
(BPT) - Self-employment offers the perks and benefits of not working for someone else, but often means taking on risks and becoming responsible for providing a valuable product or service, generating income and having a steady customer base. With all of this considered, along with the newly enacted... More >>

What New Year's resolution can you stick to and feel like you're making a difference in the world?
(BPT) - This time of year, many Americans are setting (or already breaking) New Year’s resolutions focused on getting healthier, saving money, spending more time with friends and family, etc. These are great resolutions, but perhaps this year, you’re thinking about ways you can make a d... More >>

6 ways to reach your New Year's financial resolutions
(BPT) - Sponsored content from Vanderbilt Mortgage and Finance, Inc.With the New Year upon us, many people are thinking about what they want out of 2018, what goals they’d like to accomplish and what changes they’d like to make. After the holidays have come and gone, America enters into... More >>

Common tax mistakes to avoid in 2018
(BPT) - Life changes — getting married, having a baby, buying or selling a home, sending a child off to college or retiring — often come with changes to your tax situation. Overlooking these changes when filing your taxes can lead taxpayers to make mistakes that leave money on the table... More >>

Here's how the tax reform plan could affect you
(BPT) - With the newly passed tax reform bill, the Tax Cuts and Jobs Act (TCJA), now is the time to start thinking about how this will affect you so that you can plan ahead for the outcomes you will start to feel in your paycheck as early as February 2018.This tax reform affects virtually everyone;... More >>

5 spring remodeling projects sure to brighten your home
(BPT) - During the coldest months of the year, it’s hard not to think about the warmer months to come — and all that they hold. You may already be planning your next vacation or outdoor activities to host in your backyard this summer. Now is the time to brainstorm about your spring home... More >>

Growing your business? These 3 financing mistakes can cost you big
(BPT) - Starting a business can be tough. Growing one can be even harder.Dr. Nacondus Gamble knows this all too well. After her optometry practice, The South Eastern Eye Center, began to establish a reputation for great patient care, Dr. Gamble decided she was ready to expand. So she began looking ... More >>

Tax Survey: Top 3 Things Americans Would Rather Do [Video]
Sorry, but your browser does not support the video tag. var bptVideoPlayer = document.getElementById("bptVideoPlayer"); if (bptVideoPlayer) { var cssText = "width: 100%;"; cssText += " background: url('" + bptVideoPlayer.getAttribute("poster") + "');"; cssText += " -webkit-backgrou... More >>

Survey: DIY taxpayers willing to take on stress to save money [Video]
Sorry, but your browser does not support the video tag. var bptVideoPlayer = document.getElementById("bptVideoPlayer"); if (bptVideoPlayer) { var cssText = "width: 100%;"; cssText += " background: url('" + bptVideoPlayer.getAttribute("poster") + "');"; cssText += " -webkit-backgrou... More >>

3 things you might not know about boat shows
(BPT) - Winter may be frigid for many, but it’s an ideal time to plan for warmer days ahead and make dreams of owning a boat a reality. Boat shows across the country offer some of the hottest deals around, with special pricing and incentives on new boat models and marine accessories — a... More >>

Options available to help students pay for college
(BPT) - With student debt increasingly becoming a long-term burden on graduates and families, says Peter Gayle, a vice president for Prudential Advisors, it’s never been more important to minimize the out-of-pocket expenses to put a student through college — and reduce reliance on stude... More >>

Retirement readiness: Hitting the retirement preparation sweet spot
(BPT) - A recent study by the Center for Retirement Research (CRR) at Boston College suggests an alarming state of awareness about retirement readiness: Of surveyed households, 33 percent realize they are not well prepared, 19 percent are not well prepared but don't know it, and 24 percent are well... More >>

3 documents you need to create your estate plan
(BPT) - While creating a will and other estate planning documents may not be top of mind, it's a concern you should take seriously. You don’t need celebrity-sized assets to be concerned that a lack of estate planning on your part could cost your beneficiaries dearly. And that’s just one... More >>

Solving 5 pain points in the homebuying process
(BPT) - When it comes to buying a home, the beauty of the process is truly in the eye of the beholder. Some people see the opportunity to start a new life, live their dreams and make memories that will, quite literally, last a lifetime. Others get caught up in the problems associated with the home ... More >>

Debunking home ownership myths for millennials
(BPT) - We’ve all been told, that owning a home is part of the American dream. It’s the biggest and most rewarding investment many people will make in their lives. Instead of paying rent every month and having nothing to show for it, paying a monthly mortgage builds equity and wealth.Wh... More >>


Advanced Search


Subscription Login
LOGIN | SUBSCRIBE

Columnists



Life
Home | Visitor's Guide | Login Reminder | Contact Us | Subscriptions

Published every Wednesday in La Conner Washington
Located at 119 North Third Street in La Conner. Mail: P.O Box 1465, La Conner WA, 98257. Phone: 360-466-3315

Site Design and Content Copyright 2018 La Conner Weekly News

Software © 1998-2018 1up! Software, All Rights Reserved