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budget planner
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In the annual budget referendum Wednesday, voters both approved a $41.9 million budget for the new fiscal year, and fulfilled the late Ed Hidek's greatest aspiration for town operations. The most significant addition in what officials described as a constrained spending plan was funding to hire a professional town planner -- a position for which Hidek, as a member of the Planning and Zoning Commission and as a selectman, vigorously campaigned.
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- Plan, Budget and Set Your Tone Wedding Planner Tracy French Says to Think Ahead and Establish a Mood
Tracy French knows weddings. As owner of the French Connection, an integrated wedding service company, she helps couples plan down to the tiniest detail. Between flowers, music, catering, venue and photography -- to name a few of the stress factors -- it's easy to overlook costs, forget guests, clash color schemes and blow your budget. The Dallas-based French, who can also be seen on the Style Network, has ideas and experience managing budget and worry. On venues and selecting a destination or venue:
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By Jen McCaffery The Virginian-Pilot
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Meet IRS deadlines. Make sure you postmark or electronically file your 2008 tax return by no later than April 15; otherwise, you may incur a latefiling penalty that's generally 5 percent of taxes owed, per partial or full month, plus interest. *Several other taxpayer benefits that had expired have been reinstated for 2008 and 2009, including: the option to deduct state sales tax instead of deducting state and local income taxes; the educator's above-the-line deduction for up to $250 in expenses; and the above-the-line deduction for up to $4,000 in qualified college tuition and fees. Finally, do yourself a favor and start organizing your 2009 paperwork now so you won't have to scramble next spring. Visa's free personal financial management site, Practical Money Skills for Life, features ...
... interactive, downloadable tool called My Budget Planner to help you categorize and track income an...
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For seniors within five years of retirement, it's important to create a financial plan that evaluates debts, assets, and savings rates to come up with at least a preliminary retirement budget, says Joel C. White, a certified financial planner here who owns Joel C. White Co. When creating a budget, seniors must consider where they will live during retirement, since the cost of living differs depending on location, White says. Dan Murphy, vice president of Bozarth Investment Management Inc. here, says that as life expectancies lengthen, pension plans become less common, and Social Security benefits prove inadequate at covering basic expenses, annuities are gaining popularity.
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They're the first words out of every financial planner's mouth: Create a budget and stick to it. That can be much easier said than done.
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If you routinely get large tax refunds, you're giving the government interest-free loans. Instead, fill out a new W-4 form to recalculate how much is being deducted with the goal to break even on next year's taxes. It's smarter to put that money to work for you now than to count on a big refund check later. Finance college. If you've got kids, you're probably already worrying about paying for college. Although your own retirement security should come first (you can always borrow for education, but not for retirement), if you do get a windfall, consider opening a 529 Qualified State Tuition Plan or a Coverdell Education Savings Account-two savings methods that offer terrific tax advantages. Budget. Once you've used your windfall to pay off debt or start a savings plan, don't slip back in...
... an interactive tool called My Budget Planner that helps you track income and expenses so you ca...
