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What to do right now if you want to prepay 2018 property taxes

What to do right now if you want to prepay 2018 property taxes

Finance
Homeowners wondering whether they should pay their 2018 property taxes in advance of the changing tax law don't have much time left to act.Because of guidance issued by the Internal Revenue Service, the decision may be moot. In the midst of taxpayers across the country lining up at their local tax offices to pay those bills early, the federal agency threw a last-minute wrench into taxpayer plans by limiting what payments can count against their 2017 tax returns."A prepayment of anticipated real property taxes that have not been assessed prior to 2018 are not deductible in 2017," according to the IRS announcement.Basically, this means:If you have a property tax bill in hand — which means the tax has been assessed — you should be good to go. Even if it isn't due until next year, you can prep
Which Non-Dairy Milk Is Right for You?

Which Non-Dairy Milk Is Right for You?

Health
Nutrition specs: One 8-ounce serving of Ripple unsweetened pea protein milk original contains 70 calories, 130 milligrams of sodium, 4.5 grams of fat, 450 milligrams of potassium, 8 grams of protein, and no carbs.Taste: Mild, with a hint of flour-like flavor; and thick, creamy, and smooth in texture.Pros: "Pea protein milk has a much higher protein content than most plant-based milks," says Health contributing nutrition editor Cynthia Sass, MPH, RD. "In fact its protein content is on par with cow's milk." It's rich in other nutrients too, she adds, and low in calories. The main ingredient, yellow split peas, isn't a common allergen, so pea protein milk is a good option for people with dairy, soy, or nut allergies.Cons: The sweetened version cont...
Here's why a variable annuity, warts and all, might be a right fit for your retirement plan

Here's why a variable annuity, warts and all, might be a right fit for your retirement plan

Finance
They're not what they used to be, but variable annuities are still a major retirement-planning tool for hundreds of thousands of Americans.These insurance contracts are reviled by many financial advisors for all the right reasons: They cost a lot, they're hard to understand and they're hard to undo once you've signed a contract. The same criticisms of variable annuity contracts, however, were valid before the financial crisis — and those contracts nonetheless helped many people survive the 50 percent plunge in the stock market."I had some clients whose retirements were saved because of [variable annuity] contracts they purchased before the financial crisis," said Marc Ruiz, a financial advisor with Oak Partners and a registered rep with SII Investments.The terms and prices of variable annu
Here's the right way to handle that big money inheritance

Here's the right way to handle that big money inheritance

Finance
What's the best way to use an inheritance?It's a question worth considering, with the U.S. on the cusp of a significant wealth transfer. Baby Boomers are poised to inherit $ 12 trillion from their parents and then in the coming decades, pass on an estimated $ 30 trillion to their own heirs.If you receive an inheritance, the first thing to do is pause, said Gail Cohen, chair of the board or directors and general trust counsel for Fiduciary Trust Company International. Take time to grieve and process the loss of your loved one."I don't think any big decisions should be made during that period of time," she said.Before you start spending, take stock of any obligations or costs around the inheritance, said Susan Bradley, a certified financial planner and the founder of the Sudden Money Institu...
Catalan referendum: Catalonia has 'won right to statehood'

Catalan referendum: Catalonia has 'won right to statehood'

World
Catalan leader Carles Puigdemont says the region has won the right to statehood following Sunday's contentious referendum which was marred by violence.He said the door had been opened to a unilateral declaration of independence.Hundreds of people were injured as Spanish police used force to try to block voting.The Spanish government had pledged to stop a poll that was declared illegal by the country's constitutional court.Police officers prevented some people from voting, and seized ballot papers and boxes at polling stations."With this day of hope and suffering, the citizens of Catalonia have won the right to an independent state in the form a republic," Mr Puigdemont said in a televised address flanked by other senior Catalan leaders."My government, in the next few days will send the res...