Back-to-School Shopping Gets Expensive. Here’s How Families Can Save

Back-to-school shopping can add up quickly. Between school supplies, clothes, backpacks, calculators and electronics, families often spend hundreds of dollars before the first day of class. The good news is that a little planning can help stretch your budget and make shopping less stressful. Whether you’re browsing store aisles or…

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How Much Does a Dependent Reduce Taxes on a Paycheck?

Claiming a dependent does not reduce the taxes taken from each paycheck by a fixed amount. Instead, dependents may make you eligible for federal tax credits, and accounting for those credits on Form W-4 can change how much federal income…

TSP Roth Conversion: Tax Rules and Examples

Federal employees with traditional Thrift Savings Plans can now convert money to a Roth TSP. This moves their future qualified growth and withdrawals into tax-free territory, but creates a substantial current-year tax bill. However, Roth TSP balances are not subject…

How AI Data Centers Are Making Everything More Expensive

The rapid growth of AI data centers is creating a shortage of the memory chips used in everyday devices like laptops, phones, cameras, and gaming consoles. The world’s three largest memory chipmakers — SK Hynix, Samsung, and Micron — are…

7 Potential Income Sources Seniors Always Forget About

You followed the rules. You worked hard, contributed to your retirement accounts, and finally you’re approaching, or already crossed, the finish line. But thanks to unpredictable inflation and a volatile stock market, your carefully planned retirement budget might be feeling…

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How to Get Senior Discounts on Cruises

Millions of people set sail on cruises every year looking for a stress-free way to see the world. After all, your food, lodging and entertainment are generally bundled into one…