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Home » Archive by Month

Article Archive for November 2012

Moving Into a Career in Nursing: my Wife’s Career Change Story
Wed, 11/28/12 | 11 Comments
Moving Into a Career in Nursing: my Wife’s Career Change Story

In a previous post on education tax credits, I noted that my wife was going back to school for an accelerated nursing degree through a local community college.
That prompted a 20somethingfinance reader, Telly, to write …

Qualifying for the Saver’s Tax Credit in 2012 and 2013
Mon, 11/26/12 | 3 Comments
Qualifying for the Saver’s Tax Credit in 2012 and 2013

What is the Saver’s Credit?
The Saver’s Credit (aka the ‘retirement savings contribution credit‘) is a lesser known, highly advantageous tax credit that the IRS makes available to low and moderate income taxpayers who make retirement …

Black Thanksgiving: Who is to Blame?
Mon, 11/19/12 | 21 Comments
Black Thanksgiving: Who is to Blame?

Last year, number of big name retailers, including Walmart, Sears, and Toys R Us – made the jump from Black Friday to Thanksgiving night hours. That prompted a little ode to Black Friday from me.
In …

Why I’ve Decided to Max out my HSA in 2013 & Beyond (While I can)
Wed, 11/14/12 | 40 Comments
Why I’ve Decided to Max out my HSA in 2013 & Beyond (While I can)

Over the past year, I’ve become a big fan of HSA’s.
They are a bit like an IRA on steroids (if those steroids were purchased from tax-free HSA distributions).
Tax free (pre-tax) contributions, growth through investment, and …

Fiscal Cliff: What is this Thing? Can it be Avoided?
Mon, 11/12/12 | 8 Comments
Fiscal Cliff: What is this Thing? Can it be Avoided?

Now that the election is behind us and 2014 campaigning has begun, just about every political news story of late revolves around the impending “fiscal cliff”.
Ah, yes, the “fiscal cliff”. An impending smorgasbord of automatic …

HDHP vs. PPO Costs, Savings, & Thoughts: 1 Year After the Switch
Thu, 11/8/12 | 18 Comments
HDHP vs. PPO Costs, Savings, & Thoughts: 1 Year After the Switch

Last year, I noted that I had made the switch from a comfortable PPO health insurance plan to an HDHP plan (paired with an HSA), during my employer’s open enrollment.
Open enrollment is going on right …


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