David Russel's Articles in Financial Services

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Put your tax refund to good use: Reward yourself by following these money saving tips. So, it's tax time. The good news is refunds are about 6 percent over this time last year. So far, the IRS has processed refunds for nearly 39 million taxpayers to the tune of $102 billion dollars. That works out to an average of $2,650 per refund. Sounds like a bundle? Well, one thing you need to understand about tax refunds is that they're larger earlier in the season — that's because people who know they're getting money back have an incentive to file, rather than leaving their hard-earned cash in the coffers of Uncle Sam. Too disorganized to deal with your money? Often, when I'm out giving a speech, I'll ask people in the crowd about the excuses that are holding them back. Trust me, I've heard them all, but one of the most frequent answers is that people are just too disorganized to deal with their money. Top Ten Money Issues for Singles to Build and Protect Your Financial Future. Whether you're single because you've never married, or are suddenly single due to divorce or death of a spouse, money management and financial planning are critical. You have only yourself to depend on for income, goal-setting, decision-making, and retirement planning. Here are the issues that most need your attention: When is it ok to talk about Money? "Don't put your hands over your ears," Ramsey cautions. "Most parents will find that their kids have done some stupid things. The most common is that you have the opportunity to sell your soul and get a free hat for a credit card.

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