Timely 401k Contribution Info

Today’s edition will take 2 minutes and 38 seconds to watch and could save you a bundle of taxes in the long run. Simply understanding better – at lower and higher income levels – the taxes around 401k, 403b (and TSP) contributions is an advantage. Early in the year timing is key. Why? Please ask me and watch the video.

This material has been prepared for informational purposes only and is not intended to provide, and should not be relied upon for, tax, legal or accounting advice.

 

The Champagne Spray

On the lighter side of matters…. and please CLICK THE TINY ARROW BELOW.

Champagne & William Shatner from Kerrie Debbs on Vimeo.

Back in 2021, William Shatner – at 90, who knew?! – became the oldest person to achieve space flight. Completion of a 10-minute journey on the reusable New Shephard rocket, including four minutes of weightlessness, was cause for a major celebration immediately afterwards. But notable was that upon disembarking from the space capsule Shatner politely turned down taking part in the champagne spray shower amongst the crew, Blue Origin promotional people and members of the press.

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Border Security (not what you think)

Nearly every American is aware of the lack of security at the US-Mexico border. The toxic politics around that issue make it front page news nearly every day and evening. But the other border – that of the border protection around your sensitive personal information – can be just as vulnerable.

Yes, yesterday’s TGIF 2 Minutes covered this issue. But the issue is so serious, it requires a follow-up, with practical examples and then a handful of steps readers can research or choose to take.

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Safety Check of Sensitive Information, Part 1

If the safety of your personal information is not currently at the top of your radar screen, please move it up to the top TODAY. Why? Because there are really bad actors lurking for over one or two decades – in the background of email, credit agencies, and whatever cyber universes exist – and these bad actors are both patient and aggressive about seeking to compromise your identity and financial transactions.

This is not new. In 2017, Equifax, one of the world’s largest credit reporting and monitoring agencies with sensitive data for over 800 million individual consumers, was hacked. Private information of over 147 million American citizens along with British and Canadian citizens were compromised in a security breach. This from a leading company whose entire purpose is monitoring the most sensitive of personal information.

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Interest Rates, The Fed & Gray Hair

Time again for the “soft landing” airplane drawing. As in, will there be a soft landing for the US economy or a hard landing? How soon might the US Fed lower rates and how fast might the markets keep going up or falter down?

A certain amount of gray hair (read: wisdom and experience) helps in understanding the current interest rate and US Federal Reserve environment. Why? Because economies do not move as fast as Amazon delivering a package same-day, or even same-month. And “gray hairs” know this.

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