Remar's Report

How to Pay Less Tax Legally and Boost Your Savings

Everyone who pays income taxes would like to pay as little as legally possible. Most of us would also like to save more. In 2014, why not use some of the tax deductions and credits that you qualify for to help lower your tax bill? Then use the money you’ve freed up to maximize your savings. The IRS and tax experts note that many people who qualify for the deductions and credits identified in this report fail to take them. Here are some strategies that may work for you in 2014. Be sure to consult your tax advisor about those which look promising for you.

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Are You Alert for New Financial Scams Targeting Older Americans?

Knowing These Basics Can Help Protect Your Family

Do you know who are now the favorite target of financial scams? Older adults in the U.S. In 2012, people 60 and older made up 26% of all fraud complaints tracked by the Federal Trade Commission (FTC), the highest of any age group. That figure’s up from 10% in 2008, when it was the lowest of any adult age group. Also note that these statistics represent only the reported cases. The FTC estimates that no more than 10% of these scams are reported. Because about 10,000 boomers turn 65 each day, the popularity of these scams will only grow. Here’s how to spot the most recent scams and how to protect yourself and your family.

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Start an Emergency Fund or Pay Down Credit Card Debt

Which Should You Do First?

This question is familiar to most consumers. It typically occurs each month when the credit card statements arrive. According to TransUnion the average credit card holder owes just over $5000. And credit cards have relatively high interest rates, currently about 13% to 15.4% APR according to Bankrate.com. So it would save money to pay this debt down as fast as possible, right? Wouldn't that be more important than saving a small "rainy day" or emergency fund? Not necessarily. Here’s why.

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All You Need To Know About Credit Card Hacks


Want to know a good thing about all the publicity on credit card hacks? You're probably paying more attention to the protection of your personal and financial information!

This page gives you a lot of resources for you to use to protect yourself.

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Don’t Like Being Tracked Online? Here’s What to Do

I’m sure you’ve heard about businesses and advertising networks tracking our online activities. Why do they do it? Primarily, the trackers want to sell you more goods and services they think you might like or they want to sell your name to a third party that will target you with ads and offers. Like me, you may feel that such relentless tracking and information collection invades your privacy. Until recently, there was little you could do to stop or at least lessen such tracking. Now, Do Not Track efforts may provide you some ability to control this practice. This report provides more information about what you can do.

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What Are Your Responsibilities Under the Affordable Care Act?

The Affordable Care Act (ACA) of 2010 (often called Obamacare) established new rules and minimum standards for health insurance in the U.S. One important aspect of the act is the requirement that most individuals purchase insurance starting in 2014 or pay a penalty if they are not covered by insurance at work or by Medicare or other specific health insurance plans.

To make coverage possible for people who currently don’t have insurance or can’t get it, the ACA also provides new protections including:

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