Don’t treat tax refund as windfall
A reader discusses how refunds are misperceived and explains how to adjust W-4 allowances to approximate a break-even tax result. The piece includes an example using a single earner with $45,000 gross income, mortgage interest deductions, and IRA contributions, showing changes in withholdings and a reduced refund. It notes the average refund and emphasizes planning to optimize paychecks rather than rely on a windfall.
MENTIONED IN THIS ARTICLE
Internal Revenue Service
IRS
Donna LeValley
J.K. Lasser
Irs.gov
LeValley
W-4
Sam Serio
Learning tools: Companies turn to games
Storage Technology uses a computer based sales training game to simulate client interactions and close sales. McData and Wendy's adopted the same approach to improve cross generational communication. The Gronstedt Group builds interactive e learning games that replace pricey seminars. The board game Connecting Generations costs 400 and aims to align age group behaviors for teamwork.
MENTIONED IN THIS ARTICLE
Finlay Financial
Louisville
Colo
Wendy’s
Broomfield
McData Corp
Marc Prensky
Anders Gronstedt
Gronstedt
Stockholm
StorageTek
University of Colorado At Boulder
Sandy Mazarakis
Claire Raines
Raines
Joanne Cohen
McDatn
Storage Technology Corp
Gronstedt Group
Geek Boy
Randy Chalfant
Storage Tek
Sam Smith
Smith
International Data Corporation
Astra
Electrolux
Emerson
Ericsson
Telia
Volvo
Connecting Generations
Mazarakis
Carmel Zucker
SHNS
Robyn Longfellow
Adolph Holston
McData
How to avoid bad impressions when job hunting
Sacramento Bee columnist outlines best practices for résumés and cover letters. Focus on clear goals, relevant details, keywords, and clean formatting. Highlight applicable experience, avoid personal data, and tailor each document to the job.
Women finance sites offer guidance and investing help
Financial issues facing women gain attention on the World Wide Web with sites devoted to money topics from investing to saving for retirement. iVillage MsMoney Women's Financial Network Learning Center and other institutes provide tools and information on investments banking goals pensions and Social Security.
MENTIONED IN THIS ARTICLE
iVillage.com
MsMoney.com
Women’s Financial Network
Win.com
Women’s Institute For Financial Education
Money
Women’s Institute
Wiser.heinz.org
Also Mentioned on This Page
the Color of Money
Michelle Singletary
Singletarym
Washpost
By Susan Glairon
Scripps Howard News Service
By Robert A. Masullo
Sacramento Bee
Martin Yate
By Chuck Myers
Knight Ridder Newspapers
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