If you don’t see a big pension income in your future, you should learn a little about investing (beyond just savings accounts and CDs). Here is a guide for what you should know to help take control of your financial future. Pay off high-interest rate debt, such as credit card debt first. Have a fully loaded emergency fund. Understand that when you...
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A group from JMA volunteered to help the Northern Chautauqua Community Foundation (NCCF) at their Flapjack and Basket Raffle Fundraiser, held March 24th at Applebee’s in Dunkirk. The event benefitted NCCF’s Service Learning Mini-Grant Program. JMA volunteers included partners Dave Mackowiak, Kevin Wystup, and Denise Veloski, along with Scott Dill, John...
Read MoreWhen it comes to taxes, there is a surprising amount of people are ignorant about their taxes. Educating yourself on taxes can help you save money and avoid trouble with the Internal Revenue Service (IRS). Here are 11 tax mistakes that you may be making that can unfortunately cost you thousands of dollars. Simple mistakes like doing the math wrong or putting in your...
Read MoreTax day is coming…for most states. Seven U.S. states have no state income tax — Alaska, Florida, Nevada, South Dakota, Texas, Washington, and Wyoming. New Hampshire and Tennessee don’t have a state income tax either, but they do tax interest and dividends at 5% and 6%. When it comes to the states that do…North Dakota is on the low end of the...
Read MoreFor some, the prospect of running out of money is more frightening than death. If this is a concern for you, you need to be proactive and make adjustments to your savings plan as soon as possible. To find out, ask yourself these three questions: Have I been saving 15% or more of my income? What to do: Work longer, max out your savings, or try to either work out...
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A group from JMA attended the Seneca Diabetes Foundation’s 13th Annual Chairman’s Ball held on February 2nd at the Seneca Niagara Resort & Casino Events Center. Funds raised from this event will support young Senecas studying toward a career in healthcare, as well as the $1.5 million Seneca Diabetes Foundation Endowment Fund at Oishei Children’s...
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