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Understanding Your Tax Withholding
Withholding may be the number-one reason for filers seeing an unexpected change in their refund. This video explains how the concepts of tax withholding and refunds work and the important roles they play in helping to manage your taxes efficiently.
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Tax Rates & Brackets Explained
Tax rates and brackets are often misunderstood, but they both influence how much income tax you will pay. Learn how they work, how the 2018 changes to the tax law impacted rates and brackets, and what the new bracket ranges are for 2020.
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Which type of account is right for you?
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Which type of account is right for you? If you want to ... Then consider Start saving and investing for a child’s education. A 529 plan or an education savings account. Give a child a gift of money while also teaching investment skills. A custodial account Tooltip . Help a teen (who has earned income) start saving for retirement. A custodial Roth or traditional IRA. Transfer a significant amount of wealth to a child. A trust—we recommend that you consult with an attorney. © 2017 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. (0116-3593)
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OUR TWO CENTS
Our two cents
Our Two Cents
Just as items get lost in a messy room, a disorganized financial life makes it easy to lose track of where your money goes. Creating a system that makes sense can help ensure your money is doing what it should.
TIP
Tip
Think twice before closing a credit card.
Your credit score is based partially on your utilization ratio, which is the amount of debt you have compared to your available credit limit. So if you close cards but still carry the same amount of debt, your utilization rate is likely to go up and your credit score may go down.
OUR TWO CENTS
Just as items get lost in a messy room, a disorganized financial life makes it easy to lose track of where your money goes. Creating a system that makes sense can help ensure your money is doing what it should.
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