Linda Housand, Financial Advisor

Blog

Women Forward Fellowship

Happy to announce that I've been invited to participate in Advisor Group's Women Forward fellowship program.
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Organized for Life

Ease yourself into an organized record-keeping system.
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Tax Strategy: Charitable Contributions

If you are over age 70-1/2 and confused as to the deductibility of charitble contributions under the new tax law, there is a strategy that can allow you to continue to avoid income tax on contributions to qualified charities.
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IRS Changes Small Business Tax Rules

The rules for taxation of small business income have changed!
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Focus

Start with the end in mind.
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Did you forget something?

Simple things many people haven't gotten around to that potentially can make or break your financial plans.
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The Cost of Long Term Care

Rising Costs of Long Term Care
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Empty Nest Financial Changes

The new budget of an empty nest can lead to a more financial independence
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RMDs and Qualified Charitable Deductions - Time Sensitive

A qualified charitable distribution (QCD) is generally a nontaxable distribution made directly by the trustee of your IRA to an organization eligible to receive tax deductible contributions.
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Pricing Exchange Traded Funds

Exchange Traded Funds (ETFs) trade on an exchange, similar to the way stocks are traded.
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LIfe Insurance Awareness

Workplace benefits play an essential role in our financial security. So long as we work for that same employer.
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Preparedness

Preparing for the disasters about which the weatherman can warn us is simple, just takes planning and a bit of work. Preparing for the unforeseen, devastating ones can be too.
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Medicare's Drug Coverage Donut Hole

Medicare Part D covers prescription drug coverage. You may have heard of or been confused by the "Donut Hole" in coverage
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Stretched Finances Affect Financial Progress

A 2018 study, from interviews with U.S. employees about their finances, showed one-in-four supporting not only their household, but giving financial assistance to their parents or in-laws.
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Bond Yields and Terms

Yields on 2-year and 10-year Treasury notes are quite close.
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2018 Change in Gift Tax

The amount that can be gifted to an individual has been increased.
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Check Your Tax Withholding

Getting a large income tax refund can seem like a windfall, but that money could serve you better.
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Savngs Bonds

Did you know that some older US Savings Bonds may no longer be earning interest?
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Planning to Pay for Education

New tax law allows 529 Plan payment for K-12 private school.
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Curveballs

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RMD Basics

A Required Minimum Distribution (RMD) is an annual, mandatory withdrawal from your IRA, SEP IRA, SIMPLE IRA, or workplace retirement plan. An Internal Revenue Service formula determines the minimum amount. The distribution is taxed as ordinary income. RMDs begin at age 70-1/2, and do not apply to Roth IRAs. If you don't take your RMD, you'll have to pay an IRS penalty of 50% of the RMD amount. The amount...
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Sometimes Simpler is Better

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Bond Yields and Bond Prices

The "yield" on a bond is the interest rate it will pay. Regardless of the current market price for that bond, it will continue to pay the promised interest until it matures.The "price" of a bond depends upon how much it can be sold for on the bond market; essentially the price someone is willing to pay for it. If interest rates rise, then existing bonds may be worth less.If some time ago I had purchased a bond with a 3% yield, and now today a bond of similar cr
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What's in a "Market Correction"

The term "market correction" describes a decline of 10 percent from the particular market's 52-week high. The S&P 500 grew by
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What you should know about Life Insurance

Annuities and life insurance serve us in providing guarantees of either a defined income, a tax-free lump sum payout at death, or a source of funding during our lifetime. They can even serve as tax-deferred savings vehicles. Today we’ll look at life insurance. Insurance products are complicated, with language different from our day-to-day vocabulary. Sometimes people have old policies that they no longer need, or do not understand. I often find that people have lost their policy, and
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