July 24th, 2019 Newsletter


Top Strategies to Protect Your Income from Taxes 
You get your paycheck and see the nice big “gross” income number on top of the pay stub. Scroll down a bit and you’ll notice that the “net” or actual amount that is deposited into your checking account is significantly smaller …

5 Charitable Planning Options That Can Save You Money on Taxes
Since the 2017 Tax Cuts and Jobs Act, now more than ever there is a greater incentive for donors to contemplate whether charitable …

Many Americans who can’t afford a $400 emergency blame debt
The statistic is used to show how unequal things have become in the U.S.: Some 40% of Americans would struggle to come up with …

Millennial Money: Credit score up? Build credit smarts, too
Consumers’ grasp of credit is the lowest it’s been in eight years, according to an annual survey by credit scoring company VantageScore …
ABC News

The Biggest Mistakes Women Make When Negotiating Their Salary
America is still in awe of the U.S. women’s national team who won their fourth Women’s World Cup championship title earlier this month …

Are you saving for this potentially large expense?
It’s summertime, and that means school’s not in session, schedules are more flexible, and the weather is generally mild (albeit hot) on …
USA Today

Dream of retiring abroad? The reality: Medicare doesn’t travel well
When Karen Schirack, 67, slipped on her way into her house in January and broke her left femur in multiple places, she had a decision …

How to Lower Your Retirement Tax Rate to Less Than 10%
Managing your income by using the right mix of investments and annuities in retirement could help you trim your retirement tax rate to …

Here’s Why Financial Literacy Should Be Taught In Schools
Money makes the world go round, and it’s at the centre of our day-to-day lives for a variety of reasons. A 2018 study found that three …
Finance Monthly

The Huge Mistake Low-Income Earners Are Making
With the most marginalized communities, such as transgender women of color, struggling to live at or above the poverty line, not …

Student loans crisis: What I wish I had known before I went to college
I applied to a number of colleges during high school and, thankfully, was accepted to almost every one. But when the time came to choose …
USA Today

“Our terms are net 30 days. If you don’t pay after 30 days, we come after you with a net!”
Copyright © Randy Glasbergen
Who is on the half-dollar coin?
See the answer below.
What Is Your Money Personality Type?
Like almost everything else in life, your response to money is largely dictated by your personality. But have you given much …
What Year Was It?

Miss America Resigns

What Year

21-year-old Vanessa Williams gives up her Miss America title, the first resignation in the pageant’s history, after Penthouse magazine announces plans to publish nude photos of the beauty queen in its September issue.
The day was Jul 23. What year was it?

Quote of the Week
“While no amount of financial wealth can guarantee an experience of prosperity, it is possible to experience prosperity at almost any level of income, except when we are unable to meet our basic physical needs.”
Shakti Gawain
Trivia Answer
Who is on the half-dollar coin?
Answer: Kennedy
Tom Umstattd, CPA
13276 Research Blvd, Ste 101
Austin, TX 78750
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