Two Convenient Locations:
San Diego Office: (619) 283-7113
Julian Office: (760) 765-0343
Click links to access individual blogs
• Don't Leave Your Business ExposedPage: 1 2 3
• Watch Out! 7 Vacation Costs That Sneak Up on You
• Major Life Changes Ahead? Read This!
• 7 Tax-Free Ideas to Bolster Your Business Benefits Package
• Stay prepared to sell your business
• Great uses for your tax refund
• How to File Nonprofit Taxes
• 7 Common Missing Tax Return Items
• Is a Tax Surprise Waiting for You?
• School yourself on the student loan interest deduction
• The 6 Biggest Threats to Your Finances
• Last-Second Money-Saving Tax Moves
• Retirement Contributions Get a Boost in 2019
• 5 Estate Planning Myths
• Disaster Preparedness Tips for Taxpayers and Businesses
• Five Tax Breaks for New Parents
• Setting up Your Business Accounting System
• Ideas to Improve Your Financial Health
• It's tax-planning time
• Managing Money Tips for Couples
• 6 tax benefits of owning a home
• Five Great Finance Tips Everyone Should Know
• How to handle a gap in health care coverage
• Update on the Tax Cuts and Jobs Act
• When an extension makes sense
• Tax checklist for business startups
• Answers to commonly asked tax questionsPage: 1 2 3
• New FASB Standards for Nonprofit Accounting
• The best way to avoid an audit: Preparation
• Boost your retirement savings now
• IRS Urges Travelers Requiring Passports to Pay Their Back Taxes
• Scam Alert: IRS Urges Taxpayers to Watch Out for Erroneous Refunds; Beware of Fake Calls to Return Money to a Collection Agency
• How to Get a Green Light for Commuting Expense Deductions
• Federal requirements for substantiating charitable contributions
• How to cut taxes under the new tax act
• FBI Warns of Online Dating Scams
• IRS issues 2018 standard mileage rates
• Year-end tax checklist
• The Equifax breach and you: be proactive
• Beware of Bogus Charities
• Planning A Wedding Over The Holidays?
Plan For Taxes Too
• Don't Include The IRS On Your Gift List
• Ready To Start Year-End Planning?
Focus On The Big Picture.
• Know When To Sell
• Put Your Tax and Financial House
• Are You Prepared For These Common
• Scams Against the Elderly:
Know the Danger Signs
• Tax Benefits of Corporate RetirementPage: 1 2 3
• Maneuvering the Corporate
Retirement Plan Maze
• Documenting your Business Travel and
• Maximizing your Travel and
• Deducting Business Meals and
• Do Yourself a Favor by Filing
• Do I Need A CPA?
• How to Save Money on Your Tax
• What To Do If You Can't Pay
• What To Do If You Haven't Filed
The 6 Biggest Threats to Your Finances
Take control and banish these 6 threats to your finances.1. Not budgeting: Having a spending plan ensures you always have enough money for the most important things, and a budget also helps you identify potential spending cuts and savings opportunities.
2. Identity theft: Protect against identity theft by shredding documents such as receipts, credit card offers, bank statements and other papers that contain personal information. Make sure to create strong passwords for your online accounts,
3. Lack of emergency funds: Nearly a quarter of Americans have no money stashed in an emergency savings account and just 31% have enough to cover six months of expenses. Build an emergency fund by setting and sticking to a budget, making monthly savings goals and looking for ways to add to your income.
4. Debt: With mortgages, car loans, student loans and credit card bills, achieving debt-free status can feel impossible. Create a plan to pay off debt. Cut back on spending and make minimum monthly payments while focusing on paying off high interest rate debts (like credit cards) first.
5. Poor credit score: A poor credit score (under 619) could lead to rejections on loan applications, higher interest rates on approved loans, it could even affect your ability to rent an apartment or qualify for a job. Paying your bills on time, reducing existing debt and steering clear of new debt can help improve your credit score.
6. No life insurance: Life insurance protects your loved ones, providing them with the resources to cover funeral costs, debts, estate taxes and other expenses upon your death. The amount of life insurance you need depends on your financial situation and number of dependents.
If you're concerned about any of these threats, contact us and we'll help make your financial future less scary.
Luers & Dyer, CPAs, LLP is a full service accounting firm with offices in Julian and San Diego. For more information about our company call (760) 765-0343.
Mailing Address: P.O. Box 1934, Julian, CA 92036
Julian Office: 2902 Washington Street, Julian, CA 92036 (760) 765-0343 (760) 765-0150 Fax
San Diego Office: (By Appointment Only) 3751 37th St., #2, San Diego, CA 92105 (619) 283-7113
Correspondence: P.O. Box 1934, Julian, CA 92036 E-mail: rebecca(at)luersdyercpa.com jan(at)luersdyercpa.com
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