May 15th, 2019 Newsletter


Are Home Improvements Tax-Deductible?
When it’s time to file taxes, people want to claim as many deductions as possible. Home improvements are defined for tax purposes as work that increases the value of a home, extends its useful life or modifies it so it can …
RIS Media

IRS Form W-4: How Many Allowances Should I Claim?
My son recently sent me a text asking, “Is it better to claim 1 or 0 allowances?” He was starting a new job that day, so I instantly …

3 strategies you can use to pay off an unexpected tax bill
Each year, the majority of people who file a tax return wind up with some amount of money back from the IRS. But what if you’re in …
USA Today

Health claim rejected? Some steps to appeal a denial
Patients are often shocked when their insurance company denies coverage for a procedure or treatment, especially if that leads to a …
ABC News

How Work-Life Employee Benefits Can Actually Save You Money
The challenge of maintaining a healthy work-life balance is a neverending one. For parents, in addition to balancing career and home …

This Is the No. 1 Barrier to Early Retirement
Retiring early is a dream for many. After all, a life of leisure with no need to report to work sounds great — especially if you have …
Fox Business

Avoid Paying Taxes on Social Security Income
Some people have to pay federal income taxes on the Social Security benefits they receive. Typically, this occurs only when individuals …

Why wages are finally rising, 10 years after the recession
For years it was the central question in an otherwise impressive recovery by the American job market: Why aren’t wages rising faster …

529 Plans Aren’t Just for Kids
AAs long as you are taking the course at an eligible institution, the cost of tuition, fees, required books and software can be withdrawn …

Adult Kids’ Expenses: Which Should Parents Pay For?
Now that college graduation season is here, parents and their young adult kids are coming face-to-face with the key post-graduation …

Financial moves for your 30s
For many of us, our 30s are a turning point in life. No longer can we get away with the financial sloppiness that was acceptable …
USA Today

“Where is that retirement income stream I keep hearing about?”
Copyright © Randy Glasbergen
Why do some coins have reeded edges?
See the answer below.
How to Overcome the Top Money Worries Americans Face
Financial worries are a fact of life for most Americans, and there are some common areas of concern that affect almost all of us. In …
Fox Business
What Year Was It?

U.S. Airmail Service Begins

What Year

Air mail service begins, but initially letters only flew between the cities of New York, Philadelphia and Washington D.C.
The day was May 15. What year was it?

Quote of the Week
“You must gain control over your money or the lack of it will forever control you.”
Dave Ramsey
Trivia Answer
Why do some coins have reeded edges?
Answer: To deter counterfeiting
Tom Umstattd, CPA
13276 Research Blvd, Ste 101
Austin, TX 78750
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