Sushi Money 寿司的钱

That depends upon what you’re looking for of course.  Lets assume an individual’s overall debt situation is well under control, and their credit card debt, if not paid off monthly, is mild.  If an individual is trying to stay away from all market risk, and wants to keep cash readily available for a near-term use, then “safety” is defined by your need for the money, for a purpose close at hand.这取决于您所寻找的过程中。可承担个人的整体债务情况是受到控制，他们的信用卡债务，如果不见成效，每月，是轻度的，如果1个人正试图远离所有的市场风险，并要保持现金现成短期使用，那么“安全”的定义是由您的需要钱，一个目的，密切在手。

Having an “emergency fund” is important for unforeseen situations… the time you really need money for something.  Most advocates say 3-6 months savings in the amount of your monthly income needs should fit that bill.  I think 6 months is more appropriate, and should be a first priority, especially in a family.有一个“紧急基金”是很重要的意外情况…的时候，你真的需要钱的东西。大部分主张说， 3-6个月的储蓄金额，您的每月收入的需要，应该符合这个条例草案，我觉得6个月是比较恰当的，并应作为第一优先事项，尤其是在一个家庭中。 So bank savings, money market accounts and CDs will fit the bill (CDs for savings, not an emergency fund due to possible penalties upon early withdrawal… eg you need the money).   Next is the credit card situation… pay down the credit cards!因此，银行存款，货币市场账户和发行的CD唱片将符合条例草案（ CD的储蓄，而不是一个应急基金，由于可能的刑罚后，早日撤出…如您需要的钱） 。其次是信用卡的情况…薪酬下降的信用卡！

But what about longer term?  Is a safe bank/money market account or CD really helping over time?  Aside from peace of mind for knowing the money is there if needed, it may not be a safe place to keep funds.  Why?  Walter Updegrave from CNN Money writes a nice overview on why stockpiling cash may be a bad idea in a recent article “ A lot of cash- too much risk .”  In essence he shows how the bite of inflation can slow the interest rate growth of bank savings (or CD or money market accounts) to a crawl.  That just doesn’t provide the necessary growth for someone trying to save for retirement or some other longer-term goal.  Mr. Updegrave shows the better alternative of really using a 401(k), if you have one, to grow retirement funds.但什么长远的呢？是一种安全，银行/货币市场的账户或CD真的帮助随着时间的推移？除了内心的平安，为知道钱是有如果有需要，它可能不是一个安全的地方，以保持资金的，为什么呢？沃尔特updegrave从有线电视新闻网的钱写了一个很好的概况为何储存现金可能是一个坏主意，在最近的一篇文章“很多现金太多风险 。 ”在本质上他显示了如何咬通胀可以缓慢，利息率的增长，银行储蓄（或CD或货币市场帐户）检索，这只是不提供必要的增长，有人试图保存为退休或一些其他的长远目标。先生updegrave显示了更好的选择真正使用的401 （ k ） ，如果你有一，增加退休基金。

I can think of few reasons why someone should not take advantage of 401(k) opportunities.  Most of those reasons involve hassles with paperwork, or how long one expects to be with a certain company, etc, etc.  But most 401(k) plans offer amazing benefits, and can be portable to take to a new employer.  Best of all, most 401(k) plans offer some kind of attractive matching or other benefit to how much you countribute… why pass up free money?    If you don’t have one, or just don’t want to use it… start an IRA.  We all need some kind of tax-deferred savings vechicle.  There is no better way to build retirement funds over time than a long-term tax-deferred approach to savings.  What if that just doesn’t meet your goals and need?  Maybe it can for a part of your savings program, and you can still use bank savings, money market and CDs for another portion.  You don’t like stocks or mutual funds?  Historically they provide the best long-term growth opportunities.  What about US Savings Bonds?  They can provide a safe investment with a decent return, and can be used to fund education needs for children at a later time.我能想到的几个原因，有人不应该利用401 （ k ）计划的机会。大部分的这些原因涉及的麻烦与文书工作，或多久，一，预计业绩也将与某公司等，等，但大部分的401 （ k ）计划提供惊人的好处，并且可以便携式采取提高到一个新的雇主。最棒的是，大多数401 （ k ）计划提供某种有吸引力的匹配或其他利益多少，你countribute …为什么通过了免费的钱呢？如果您不'吨有一个，或者只是不想使用它…一开始，爱尔兰共和军。我们都需要某种形式的延税储蓄vechicle有没有更好的方式来建立的退休基金随着时间的推移，比一个长远的延税办法节省开支。什么，如果只是不符合您的目标和需要呢？也许它可以为你部分的储蓄计划，您仍然可以使用银行存款，货币市场和CD为另一部分。你不喜欢的股票或互惠基金？历史上他们提供最佳的长期增长机会。什么对美国的储蓄债券？他们可以提供一个安全的投资与一个像样的回报，以及可用于基金的教育需要儿童在稍后的时间。

The point is that there are many opportunities to grow your money over time… the earlier we start, the better off we are in later years.  I had a water-softener installed a couple weeks ago.  I didn’t plan on making a large appliance purchase this month, but the old water-softener finally gave in.  We live on well-water, and a good water-softener is essential.  Good reason for having an emergency fund… but more interesting was the conversation with the installer.  Here’sa guy in his middle forties that has a construction business on the side.  He was an energetic guy with lots of ideas and a strong work ethic.  He built his own house, had no debt, purchased only used cars, and was helping his children pay for school.  What about his retirement needs?  He had over $100,000 in savings.  Where was it?  In the bank, in a passbook savings account.这一点是有很多机会成长，你的钱随着时间的推移…早前，我们一开始，更好的小康，我们在多年后，我有一个水软水器安装了几个星期前，我没有计划，使大设备购买，这一个月，但旧供水柔软剂最后英寸了我们生活在良好的水，和良好的水软水器是必不可少的。很好的理由有一个应急基金… …但更有趣的是会话与安装程序。这里' SA服务家伙在他四十岁的中有一个施工企业在一侧，他是一个充满活力的家伙，很多想法和强烈的工作伦理，他建立了自己的房子，没有债务，只有购买二手车，并帮助他子女支付的学校有什么对他的退休需要，他有超过一十点〇 〇 〇万美元在储蓄。哪里呢？在银行，在一个存折，储蓄帐户。

This hard-working family man had never invested, never started an IRA, never looked at stocks or mutual funds, and was not comfortable with anything but cash at hand.  He was proud of his financial accomplishments, and should be… but he was also taking on a lot of “risk” in terms of the long-term safety of the growth of his money over time.  He also didn’t have any life or disability insurance beyond what social security might provide, and a family member to run the business in case of his disability.  Lots more there to be concerned about.  He knew he needed to start some savings and investment programs that would give him a leg up on inflation, but he was very risk averse.   We talked about some options and I referred him to a Certified Financial Planner to help get started.  He didn’t seem inclined to really want to do more however.  I wished him well… and hope he looks at other options.  It’s never too late to start!这辛勤工作的家庭男子从来没有投资，从来没有一开始，爱尔兰共和军，从来没有看过的股票或共同基金，并没有与任何舒适，但现金在手，他感到自豪，他的经济成就，并应… …但他也同时对许多的“风险”的条款，在长期的安全，增长自己的钱随着时间的推移，他也没有任何生命或伤残保险以外的什么社会保障可能会提供，以及家庭成员运行在商业案件，他残疾。地段有更多要关心的事情。他知道他需要启动一些储蓄和投资的程序会给他一条腿了对通胀的影响，但他很厌恶风险，我们谈到了一些选项，我他所指的核证的财务规划，以帮助开始，他似乎并不倾向于真的要多做，但我祝愿他… …和希望，他期待在其他选项，它的未为晚也开始！

Not yet! We were really due for this correction.   But I’m looking at sectors and how much exposure I have. How far will it go?  Great question, and one we’ll be reading about in the days ahead.  I won’t prognosticate that far… Stay tuned for all the “I told you so” comments, and some doom and gloom from the bear side.   If history is a guide, the commentary will become increasingly negative.  In the past few days there were several new articles with leads calling the market topped and way overvalued.  Just now I was watching the DOW drop slowly past 200 to over 400 points, then a super quick slide to over 500 points down.  Wow…  now just 10 minutes later it’s back “up” a little at “only” 393″ points down.  It’ll go more… watch the volatility.  That being said, I’m not a buyer here.  I’m pretty much 45% equities, 45% fixed-income, with some cash on the side.  I really like balanced and equity-income funds within an IRA… let them do their stuff.  Where else can you put your money right now?  A good money market fund at 4-5% is nothing to sneeze at.  Several internet banks have great rates in the 4-5% range as well.  I also like IEF … I-Shares Lehman 7-10 year Intermediate Treasuries.  It’s an ETF that trades on the AMEX, pays monthly and is a nice foundation for my portfolio.  I don’t plan to trade it near-term, but watch interest rates over time and see how it does.尚未！我们真的是由于这个校正，但我期待在部门和多少暴露我有多远，将它去哪了？很大的问题，一我们会阅读约在未来的日子里，我赢得了'吨prognosticate远…敬请所有“我告诉你，使”的评论，和一些厄运和忧愁从紧的一面。如果历史是一个指导，评会越来越消极。在过去几天里，有几个新文章的线索，要求市场突破和方式被高估的，我刚才看道琼工业指数下降缓慢，过去的200至超过400点，然后一个超级快速下滑至超过500点。哇…现在只需10分钟，后来它的背上“ “小” ，只有“ 393 ”点，它将会转到更多信息…观赏的波动，这正说，我不是一个买方在这里，我很漂亮得多的45 ％股权， 45 ％的固定收入，与一些现金就一侧。我真的很喜欢均衡和公平的收入资金的爱尔兰共和军… ，让他们做他们的东西，还有什么地方可以把你们的钱，现在呢？一个良好的货币市场基金在4月5日％是无关的喷嚏在几个网上银行有很大的利率，在4-5 ％的范围，以及我也想基金 … …我股雷曼兄弟今年7月10日中间国库券，它的ETF的交易对美国，每月自付，是一个尼斯的基础，我的投资组合，我不打算贸易，它在短期内，但观赏利息随着时间的推移和看它如何是否。

OBTW… eating poorly prepared Fugu is a really bad idea.  I love sushi, but I’ll keep my risk in the market! obtw …吃准备不足府谷是一个真正的坏主意，我喜欢寿司，但我会保持我的风险在市场上！

Binary Dollar is hosting the 89th Carnival of Personal Finance this week.   Super idea for the theme using celebrity pictures for each topic and article… how appropriate for Academy Awards week! The Carnival of Personal Finance originated at the site by the same name… with weekly carnivals around the blogosphere on a myriad of personal finance topics- terrific and useful information out there.  Our submission is the post “ Supercharge your IRA for 2007 ” and I’m please to be part.  Great job Henry and Matt! 二元美元，是主办第八十九嘉年华个人财务的这个星期超级理念为主题，利用名人的图片为每个主题和文章…如何适当的奥斯卡金像奖周！ 嘉年华个人财务起源于该网站名称相同的…每周嘉年华会围绕博客上无数个人财务的话题-很棒的和有用的资料，有我们提交的意见书是邮报“ 增压您的爱尔兰共和军在2007年 ” ，我请你要的一部分。伟大的工作，唐英年和马特！

Oh… “What the heck is a blog carnival” you ask?!   Well, a blog carnival is simply that- a festive blogging and reading experience!  But it offers much more- truly a collaborative writing effort where bloggers and sites with a similar focus host a “carnival” of content periodically.  The blog carnivals are a nice way to gather theme-oriented content in a single reading experience, with creative layout and links to other blogs and information.  Enjoy!哦… … “什么赫克是一个博客嘉年华”你问吗！良好，一个博客嘉年华会很简单，一个节日的博客和阅读体验！但它提供了更为-一个真正的协同努力的地方写作的博客和网站具有类似的焦点东道国一个“嘉年华”的内容定期。博客嘉年华会是一个很好的方式，收集的主题为导向的内容在一个单一的阅读经验，有创意的布局和链接到其他的博客和信息。享受！

Many people are unaware that simply giving money to someone can result in a potentially taxable gift.  Sure people give money to others every day but for a sizable gift, cash or otherwise, the IRS has formal guidelines for the transfer of wealth in society.  Doesn’t sound fair sometimes, but if no one had to pay taxes when moving money around, that’s probably all there would be!很多人都不知道，只给予金钱，有人可能会导致出现一个潜在的应课税的礼物。确保人民付钱给别人，每天但对于庞大的礼品，现金或否则，国税局已正式指引，为转移，在社会财富的。不'吨健全的公平，有时，但如果没有人要照章纳税，搬家时钱左右，这可能是所有会有！ Elaborate schemes to hide and shelter money, resulting in a system of taxation that was crazy.  Wait a minute… that sounds like what we have today!  Yes, but for gifts it’sa little different and we do need to abide by the law.  In many cases there are choices to be made… if not considered carefully we may owe far more taxes on gifts than realized.拟订计划，隐藏和住房的金钱，导致在一个系统的税收，这是疯了。等一下…这听起来像我们今天所拥有的！是的，但礼物有点不同，我们必须遵守法律。在许多情况下，有选择，以作出… …如果不仔细考虑，我们可能欠得多的税收礼物比实现。

Let’s say you win a $1,000,000 lotto, and you decide you want each of your other 4 siblings to have $200,000.  You’ve been waiting for this day… so what do you do?  Walk to the lotto office, smile for the cameras and hold up that big check?  Then give each of your siblings the money?  That’s very nice of you… and for 2007 the IRS will thank you as well when you pay up to $50,960 gift tax on each of those $200,000 gifts!  That would effectively mean you paid $203,840 in taxes out of the original $1,000,000, leaving you to divide up $796,160.  Subtracting your own $200,000, you would only have $596,160 to divide up among your four siblings, each receiving $149,040 .  Not bad you say… which is true, but I would rather have the original $200,000!  What’s the better strategy?  Well, perhaps there’s not a formal guideline- but I talked about this with a few other people, and if it were me I would contact my siblings personally, and have them pay for the portion of the lotto tickets I purchased.  Then we could all walk down to that lotto office together and have the State or Lotto Agency write seperate checks for each of us!  No gift taxes would be due and we would each have the original $200,000.  Just an example to consider, and maybe not legal or even ethical depending on the circumstances.让我们说你赢了一百点零零零万美元乐透彩，而您决定您想要您的每一个其他4个兄弟姐妹有二十○点○万美元。您一直在等待着这一天…因此，该怎么办？步行到乐透办公室，微笑的摄影机并举行了大检查？然后再给您的每一个兄弟姐妹的钱呢？的很好，你… …和2007年美国国税局将谢谢你，以及当您支付高达五万零九百六十零美元赠与税对上述各二十〇点○○万美元礼物！能有效的意思，您所支付的二十万三千八百四十美元的税金，走出原有的一百点零零万美元，让你瓜分七十九万六千一百六十〇美元。减去自己的二十〇点○万美元，你只会五十九万六千一百六十○美元瓜分，其中您的四兄弟姐妹，每接收一十四点九〇四万美元。不算差，你说… …这是不错，但我宁愿有原二十○点零零万美元！什么样的更好的策略呢？好，或许有的不是一个正式的指引-但我谈到这与其他几个人，如果是我，我会联络我的兄弟姐妹个人，并将它们用于支付部分的乐天我购买了门票，然后我们都能够往下走，以表示，乐透办公室一起，并有国家或乐透机构收件另外检查我们每个人！没有赠与税，将由于我们将每一个有原来的二十〇点○○万美元。只是一个范例考虑，也许不是法律或道德，甚至视情况而定。

Giving money to others is a generous and charitable thing to do… but doing so may have unforeseen tax ramifications.给他人的金钱是一个慷慨和慈善的事… …但这样做可能有不可预见的税务后果。 More appropriate to most of us, for 2007 the current annual gift exclusion is $12,000.  If you want to give your four kids each $12,000- so be it.  You want to give your neighbor $12,000… that’s fine.  There is a lifetime gift limit of $1,000,000 to consider, after which gift taxes may be due.  Even if no gift taxes are due, when giving cash in excess of the annual gift tax exclusion amount you may be required to file a gift tax return.  Maybe not a factor for most of us, but definitely a consideration for estate planning and the wealthy.  If I did get $1,000,000 from the lotto individually, I would be sure not to give more than $12,000, or the annual exclusion amount, to each person each year!  But there is certainly a ”tax bite” that can occur without prior thought.  Any time someone “comes into money” it would be wise to sit down with an objective professional such as a Certified Financial Planner or CPA to discuss options.更恰当我们大多数人， 2007年目前每年的礼物排除是一万二美元。如果您想要让您的四个孩子，每个一二○○○美元-那就这样做吧，你不想给你的邻居一万二美元… ，这很好。是有寿命的礼物限制百点〇 〇 〇万美元考虑后，赠与税，可能是由于即使没有赠与税是由于，当给予的现金超过每年赠与税排斥的数额，你可能会被要求提交一份赠与税的回报。也许不是一个因素我们大多数人，但绝对是一个考虑遗产规划和有钱人，如果我没有得到百点零零万美元从乐透个别，我想请务必不要让元以上12000 ，或每年排斥的金额，每人每年！但有确实是一个“税咬” ，它可以发生在没有事先想到。任何时候有人“来钱” ，将是明智的坐下来与一个客观的专业，如经核证的财务规划或国泰航空讨论选项。

Regardless of how we give, there are also beneficial tax considerations when making donations.  There may be valid, legal deductions available that can lower the taxes you must pay on your income each year.  And for larger donations of cash or valuable property, there are limitations on the deductibility of such gifts based on your income.  It is also important to note that unless you are making donations to qualified charitable organizations or non-profit entities, you may be making a gift that will incur taxes- money you must pay to the IRS based on the size of your gift.  It’sa good idea to speak with your tax planner or CPA to make an informed decision benefiting both the charity and your potential tax liability.  For general information, check out these useful links on taxes and charitable giving:无论我们如何给予，也有利于税收考虑时，捐款有可能是有效的，法律的扣减可以使用较低的税收，你必须支付你的收入每年和较大的捐赠现金或贵重的财产，有先天上的限制扣除此种馈赠根据您的收入，这也是很重要的注意，除非你是决策的捐款予合资格的慈善机构或非营利性实体，您可能会作出的礼物将招致税钱，你必须支付国税局的基础上，大小你的礼物。这是个好主意发言，与您的税务规划或国泰航空作出明智的决定有利于双方的慈善和您的潜在的税务负担。供一般资讯，请参阅这些有用的链接就税收和慈善：

• A short overview on tax considerations is discussed in The Tax Perks of Charitable Giving from SmartMoney.com.在短期内概述了税的考虑是讨论在税务福利，慈善事业给予从smartmoney.com 。
• Fairmark’s Tax Guide has an excellent multi-page overview of the Tax Rules for Gifts . fairmark的税收引导具有优良的多页的概况税务规则的礼物 。
• For those who may make larger cash donations and have trust or estate planning concerns, T. Rowe Price has an overview of The Tax Value of Charitable Giving.对于谁可能会作出较大的现金捐款，并已信托或遗产规划的关注，汤匙，罗价格已概述了税的价值慈善。

So what isn’t taxable regarding gifts?  What does the IRS say it’s okay to give to others without concern for taxation?  Quite simply, medical and education costs, and gifts to your married spouse (there is currently an unlimited lifetime gift exclusion within a marriage), or to a qualified charity (there is also an unlimited lifetime gift tax exclusion on gifts to qualified charities).  You can pay for anyone’s medical care, without fear of taxation, as long as you pay directly to the medical institution for those health care costs.  Likewise, you can pay tuition costs for anyone as long as you pay the money directly to the educational institution.  If you give the money to the individual to pay for it themselves?  Then it’sa “gift” with potential tax consequences.  So there are many considerations and tax ramifications to “giving” money, or property, away.  Do you want to give your house to a family member?  That may be a gift… Do you want to give your car away?  Again, a gift…  When in doubt, always see a professional for discussing specifics about your situation!因此，什么是不课税关于礼物？请问国税局说，它的好给别人不用担心税收？很简单，医疗和教育费用，和礼物到您的已婚配偶（目前有无限的寿命礼品排斥在一个婚姻） ，或以一名合格的慈善机构（也有无限的寿命赠与税排斥的礼物予合资格的慈善机构） 。您可以支付任何人的医疗照顾，没有恐惧的税制，只要您支付直接向医疗机构对于医疗成本。同样，您可以付学费的费用，任何人只要您支付的钱直接向教育机构，如果你让把钱交给个人来支付它自己呢？然后，这“礼物“与潜在的税务后果，所以有很多的考虑和税收的影响”给予“金钱，或财产，远离。你想不想让您的家的家庭成员呢？可能是一个礼物…你想不想让您的汽车远离？再次，礼物…有疑问时，总是看到一个专业讨论的具体内容有关您的情况！

• For detailed tax regulation information, see the most current IRS guidelines found in IRS Publication 526 (pdf file).为详细的税收调节资讯，请参阅最新的指引，国税局发现，在国税局出版526 （ PDF档案） 。

Most consumers hate paying ATM fees, especially if you are withdrawing money from an ATM machine that is not part of your own bank.   I usually see fees in the range of $1.50 to $2.00, but today I stopped by a local, small-town bank where it says, “Our main goal is to provide superior service that meets- and exceeds- your expectations.”  Well, they exceeded my expectations alright, especially when they wanted to charge me $3.00 to use their ATM!  Okay, I wasn’t one of their customers… but the reason I was withdrawing money was so I could walk inside and open an account.  Needless to say, their other fees were also excessive and I walked back out the door.  This wasn’ta branch of a national bank- just a small town bank in Missouri that for years has had the reputation of taking care of customers.  Perhaps they still do, yet now charge high fees as well. To their credit, they offer very competitive CD rates, which is apparently their focus point.  But I was disappointed to say the least.  Charging $3.00 for a non-customer to use their ATM more resembles the independent “let’s stick an ATM anywhere” businesses.   You can almost understand the reason for higher ATM fees with that business model, but I haven’t even seen a $3.00 fee at one of those machines yet!大多数消费者恨的ATM支付的费用，特别是如果你是收回的钱从自动柜员机的机器是没有的一部分，您自己的银行，我通常看到的收费范围1.50元至2.00美元，但今天我也阻挡不住的地方，小城镇的银行它说， “我们的主要目标是提供优良的服务，满足和超过你的期望。 ”好，他们超过我的期望，好吧，尤其是当他们要负责我3.00元利用其ATM的！好吧，我不是他们的一个客户… …但我之所以撤回钱，所以我可以走内开立帐户。不用说，他们的其他费用也有过度和我走回来的大门，这不是分行的全国性银行-只是一个小城镇的银行在密苏里州，为年已声誉，照顾客户，也许他们仍然这样做，但现在收取高昂费用，以及为了他们的信用，他们所提供的极具竞争力的C D利率，这显然是他们的重点点，但我感到失望，至少可以说。收费$ 3.00为一个非客户使用他们的ATM更类似于独立的“让我们坚持一个ATM的任何地方”企业，你几乎可以理解的原因，更高的ATM费与业务模型，但我并没有，甚至出现了$ 3.00美元的费用在1这些机器尚未！

I tried to find some national statistics on ATM fees, but found nothing specific after a short search.  Generally it seems $2.00-$2.50 is the highest most people see across the US  Perhaps $3.00 may even be common in several major cities… but rural, small-town Missouri?  Some banks will tell you they charge the fees because of “network access charges” or that your other bank is charging them….我试图找到一些国家的统计数字， ATM的费用，但没有发现任何的具体经过短暂搜索，一般看来， 2.00美元- 2.50美元，这是最高的大多数人都看到，遍布美国，也许$ 3.00 ，甚至可能共同在几个主要城市… …但农村，小-城市密苏里？有些银行会告诉你，他们收取的费用，因为“网络接入费” ，或您的其他银行的收费是他们… … 。 Not so fast.  In my case, I called my primary bank and they verified they do not charge other banks or institutions fees for a customer to use an ATM card or access their account.  I’m all for paying for quality service, at a fair price.  In this case, they are not offering either.不会这么快。在我的情况下，我呼吁我的主要银行和他们核实他们不负责其他银行或机构的收费为客户使用ATM卡或进入他们的帐户。我的所有支付优质的服务，在一个公平的价格。在这种情况下，他们没有提供。

Piggybacking on my earlier post, Yahoo’s Personal Finance has a syndicated article titled Steer Clear of Tax Cons written by Dayana Yochim that shows the pitfalls of “instant refund” tax programs, among others.  The article provides a great summary of why it’s not a good idea to use these services for most people.  Sure, there are legitimate business that provide a service- and for many people it’s fast, simple and effective.  But you are paying far too much for this service!  Why not do it yourself instead?  I’ve been doing taxes myself for many years with helpful programs like TurboTax from Intuit .  Instead of paying commissions and fees to someone else- spend the money on some basic tax software for your home computer! (Or you can do it online as well). It will probably cost less overall, and will provide an excellent tool to gain knowledge and a true picture of your tax situation.  Most taxpayers do not have complicated financial lives, or tax situations.  Do-it-yourself tax software is easy to use, and provides a year-to-year historical record as you use the software over time.  I’ve been doing this for over 15 years.  In some ways, I find the tax software applications almost “too easy” because it takes so much of the work out of it.  There are many valid reasons to use a professional tax-preparer such as a CPA of course.  Time, complicated financials or business issues may be more than you want to tackle personally- and that is understandable.  But most of the “instant refund” tax services are not professional tax services, and most taxpayers do not need expensive professional consultation.  There are several excellent tax software applications- do a Google search and you’ll find one to meet your needs.  Filing is simple and quick- and you can get your refund in days. piggybacking对我较早前后，雅虎的个人财务有一个集团的文章标题为引导明确的税收意见的书面由dayana yochim显示陷阱“即时退款”税程序，等等。文章提供了一个伟大的概要，为什么' s不是一个好主意，以使用这些服务对大多数人来说。肯定的是，有合法经营提供服务和对很多人来说，它的快速，简便，有效，但你付出的太多对这项服务的！为什么不这样做，而是自己呢？我一直在做的税收自己多年的有用的程序一样， turbotax从Intuit公司 ，而是支付佣金和收费给别人-花这笔钱对一些基本的税务软件为您的家用电脑！ （或者您也可以这样做，以及在线） 。它可能会成本较低的整体，并会提供一个极好的工具，获取知识和真正了解您的纳税情况。大部分纳税人没有复杂的金融生活，或税的情况。自己动手税务软件是容易使用，而且提供了一个与去年同期的历史纪录，因为您使用的软件，随着时间的推移，我已经这样做超过15年。在某些方面，我觉得税收应用软件几乎“太容易“ ，因为它需要这么多的工作出它有很多的正当理由使用一个专业税务编写，如会计师，当然，时间，复杂的财务或业务问题可能会超过您想要解决的个人和这是可以理解的，但大部分的“即时退款”的税务服务是不专业的税务服务，大部分纳税人不需要昂贵的专业谘询，有几位非常优秀的税务应用软件-做的Google搜寻，你会发现一个，以满足您的需求。备案是简单而快速，你可以得到您的退款在天。 It’s an invaluable tool and time saver… it really is not difficult.这是一个宝贵的工具和节省时间… …它真的并不难。  Anything that makes my life simpler and more productive is a good thing!什么使我的生活更简单和更富有成效的，是一件好事！

There are so many websites and information devoted to personal finance that it becomes confusing at times.  We end up using what works best for us.  Planning for our future is becoming ever more important, especially with the aging of the Boomer population over the next 15-20 years.  It seems we can never know enough, and laws change every year requiring a pragmatic approach to keeping abreast of the changes.  One of my favorite sites is Yahoo Finance.  It offers so much information and flexibility.  The Yahoo Personal Finance pages are very useful for issues the average consumer can really use.  The content integrated to the site is excellent- and leads to many other resources.有这么多的网站和信息用于个人理财，它成为混乱的时代，我们最终用什么最适合我们。规划我们的未来是越来越重要的，尤其是与老化有关的Boomer以上人口在未来15 -20年，它似乎我们可以永远不知道还不够，法律的变化，每年需要务实的态度，以与时俱进的变化。之一，我最喜爱的网站是雅虎的财务。它提供了如此多的信息和灵活性。 雅虎个人财务的页面是非常有用的问题，一般消费者真的可以使用。内容集成到该网站是优良，并导致许多其他资源。 Empower yourself with the free tools out there- it’s never too late to begin planning ahead!授权自己与免费工具有-它的未为晚也开始规划未来！