Insights

The holiday season is for enjoying, sharing, and creating wonderful memories… but it can also become a time of excessive spending if you don't plan well. Here's a simple and practical guide to help you keep your finances under control without losing the magic of the holidays. 1. Set your Christmas Budget Set a total amount for gifts, meals, entertainment, and travel. Divide it by category to avoid overspending in any one area. Example: Gifts: $300 Lunch and dinner: $200 Decor

In recent years, tax-related identity theft has increased significantly in the United States. Scammers use stolen personal information to file fraudulent tax returns and claim refunds that are not theirs. To combat this, the IRS offers a powerful and free tool: the Identity Protection PIN (IP PIN) . Taxpayers are strongly encouraged to create an online IRS account  and request an IP PIN  as a preventive measure — even if they have never been victims of fraud. What is an IP PI

The Affordable Care Act (ACA), known as Obamacare , opened the door to affordable health coverage for millions of Americans, with clear rules that protect consumers. If you're still on the fence, here are some compelling reasons to consider an ACA Marketplace plan. 1) Coverage for pre-existing conditions Before the ACA, insurers could reject or make a policy more expensive if a person had a history of asthma, diabetes, cancer, or other pre-existing conditions. Today, no Mark