Alicia Adamczyk's posts - Norwegian uPOST

Should You Convert to a Roth During a Down Market?  Should You Convert to a Roth During a Down Market? 

If you’re a high earner or invest in a traditional IRA, you might be planning to convert your account to a Roth for some tax savings and easy access to your contributions, depending on your circumstances. When to convert, though, is a question with a million different considerations. There’s no perfect time, of…

Before Taking a Tax Refund Advance, Ask These Questions Before Taking a Tax Refund Advance, Ask These Questions

Many Americans rely on their tax refund to pay off bills, fund larger goals or, this year, keep them afloat as they wait for the government to reopen to be paid for doing their jobs. And while it might be tempting to take a tax refund advance, especially this year, consumer advocates warn against the practice.

Be Wary of New 'Tricks' for Raising Your Credit Score Be Wary of New 'Tricks' for Raising Your Credit Score

Over the past few months, there have been a handful of announcements from credit companies about new “tricks” consumers will soon be able to use to improve their credit score. The changes sound good in theory, but as with all finance-related products, you can bet the companies aren’t introducing them out of the…

John Bogle's Investing Philosophy Is Still the Best John Bogle's Investing Philosophy Is Still the Best

John C. Bogle, founder of the Vanguard Group and creator of the index mutual fund for individual investors, died Wednesday. He was 89.

File Your Taxes Early This Year File Your Taxes Early This Year

Tax season officially starts Jan. 28, and experts are advising people to start filing early this year if they don’t want their refund delayed.

All the Tax Credits You Can Take for 2018 All the Tax Credits You Can Take for 2018

Can you smell it in the air? It’s tax season, and we’re all trying to get the biggest refund possible. That means taking advantage of tax deductions and credits to lower our bill. Check out this post for the deductions you can take in 2018, and read on for information on credits.

All the Tax Deductions You Can Take for 2018 All the Tax Deductions You Can Take for 2018

This tax season promises to be an...interesting one, with the government shutdown and new tax law provisions colliding to create a perfect storm of confusion and inefficiency.

Schedule Your Medical Appointments Right Now  Schedule Your Medical Appointments Right Now 

Have you scheduled your annual check-ups for 2019? One consideration: Front load all of your regular medical appointments, screenings and check ins at the beginning of the year.

Pick the Target-Date Fund That Aligns With Your Goals, Not Just Your Retirement Year Pick the Target-Date Fund That Aligns With Your Goals, Not Just Your Retirement Year

It might be time to rethink which target-date fund you’re investing in with a different calculation in mind.

Simplify Your Investments With the 3-Fund Portfolio Simplify Your Investments With the 3-Fund Portfolio

One of the key questions of investing is, naturally, what exactly to invest in. You know it should be a mutual fund, right? And you’ve heard that “low cost” and “diverse” are good. But what does that actually look like? Spend a little time on personal finance message boards for help, and you’re sure to come across…

How (and Why) to Start Investing Right Now  How (and Why) to Start Investing Right Now 

If you’re like the average American, you’re already losing a bit of steam on your New Year’s resolutions. Rather than fret over all of the ways you’re not measuring up, though, cross an easy one off of your list, and invest a little extra money.

How to Prevent Your Credit Card Issuer From Canceling Your Card How to Prevent Your Credit Card Issuer From Canceling Your Card

If you’ve had credit card debt in the past, or you have an older card you don’t really use anymore, you’ve probably read the advice that you shouldn’t actually cancel your card, rather keep it open to boost your credit score (more on how that works here). In theory, it’s a nice plan. But if you’re not actively using…

What to Do With All Your Stuff That Doesn't 'Spark Joy' What to Do With All Your Stuff That Doesn't 'Spark Joy'

It’s Marie Kondo’s world now, and we’re all just trying to declutter in it.

Ask Yourself These Questions About Your Retirement Income Ask Yourself These Questions About Your Retirement Income

How much money you need in retirement depends on a host of variables beyond how much professionals suggest you save each year. Each person will need a different nest egg, depending on the priorities, lifestyle and other assets.

Should You Update Your Income With Your Credit Card Issuer? Should You Update Your Income With Your Credit Card Issuer?

If you have a credit card you’ve likely received a number of emails and mailers—or been prompted when you log in to your account online—asking you to update your salary information on an annual basis. It might seem intrusive, but issuers ask because the Credit Card Act of 2009 requires them to verify a cardholder’s…

What to Do If You're Missing Paychecks While the Government Is Shut Down What to Do If You're Missing Paychecks While the Government Is Shut Down

Some of the 800,000 federal workers affected by the shutdown of federal government, now going on its 19th day, have launched crowdfunding campaigns to cover basic expenses, Quartz reports.

How to Prevent Market Dips From Tanking Your Retirement How to Prevent Market Dips From Tanking Your Retirement

For those with decades until retirement, the market’s swings are just a part of the investing process. As long as your asset allocation is in line with your risk tolerance, you can more or less sit back, ignore daily movements and turn off CNN when things get rocky. But for new retirees and those just a few years…

Do a Medication Checkup With Your Doctor or Pharmacist Do a Medication Checkup With Your Doctor or Pharmacist

If you take multiple prescriptions, or have started using an over-the-counter medication or supplement, it’s probably time to check in with your doctor.

Ask Your Student Loan Servicer to Ungroup Your Loans Ask Your Student Loan Servicer to Ungroup Your Loans

One way to pay off your student loans faster is to, well, make extra payments. But rather than applying additional funds to interest payments only, you can request that they be applied to the principal balance. We’ve written about how to go about doing that here.

Has Your Student Loan Servicer Given You the Wrong Info About Your Loans? Has Your Student Loan Servicer Given You the Wrong Info About Your Loans?

One piece of advice Lifehacker gives in pretty much every post about student loans is to make sure you’re tracking all of your payments and double-checking that your servicer hasn’t messed up any of your information or repayment progress. It’s become so commonplace for these institutions to mess up the process they’ve…

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