5 Financial Steps To Take If You Get Laid Off

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One of the worst financial fears most Americans have is being laid off and unfortunately, this is becoming more common. What should you do if this were to happen to you? Here are some steps you can take to deal with the financial implications:

1) File For Unemployment Benefits

The first thing you’ll want to do is replace as much of your income as possible and a good place to start is by filing for unemployment benefits in the state you worked in. How much and how long you’ll collect varies by state but benefits are typically 50% of your previous income up to a cap and generally last about 26 weeks or half a year.

2) Make Sure You’re Covered By Health Insurance

Your income isn’t the only thing you’ll want to replace. You’ll also want to make sure you’re covered by health insurance. If you’re married, see if you can get covered under your spouse’s plan. Another option is to continue your current health insurance under COBRA for 18 to 36 months, but that insurance is likely to be more expensive than what you paid as an employee.

Finally, you can enroll through the Health Insurance Marketplace and possibly qualify for subsidies based on your income. These options have deadlines to enroll after your employment ends so don’t delay. (If you have a health savings account, you can use it to pay health insurance premiums tax-free while you’re collecting unemployment benefits.)

3) Don’t Forget Life Insurance

While it may not feel as urgent, it’s important to make sure your family continues to be protected by life insurance as well. You may be able to continue any coverage you had under your employer if the policy is portable. If not, you can use this calculator to estimate how much insurance you should have and search for low-cost term life insurance policies here.

4) Get A Handle On Your Budget

If you’ve never created a budget or even tracked your expenses, now is the time to start. After all, you may have to live on a reduced income for an indefinite period of time, so you’ll want to watch every penny.

Go through the last three months of your bank and credit card statements and record your expenses on a worksheet like this. Once you know where your money is going, look for places to cut back. Keep in mind that this is only for a limited period of time until you find a new job, so you’ll want to be even more frugal than usual.

If you’re still having trouble making ends meet, make sure you prioritize your rent or mortgage payments, basic utility bills, car payments, and food and medical care over payments on unsecured debt like credit card bills. Keeping a roof over your head, the lights on, your car in the driveway, food on the table, and you and your family healthy are all more important than your credit score. See if you can negotiate an affordable payment plan with your creditors or work with a non-profit credit counseling agency to negotiate for you.

5) Decide What To Do With Your Former Employer’s Retirement Plan

The three basic options are to leave it there (if they let you), cash it out, or roll it into an IRA. Leaving your plan where it is can make sense if you want to keep a unique investment option that you can’t purchase anywhere else or if you have employer stock that you’d like to eventually pay a lower tax rate on the gain.

Cashing out your plan rarely is the best option since you’d have to pay taxes on any pre-tax money plus a 10% penalty if you don’t turn age 55 or older in the year you leave the company. Rolling your account into an IRA can allow you to continue deferring taxes while also providing you more flexibility in how the money is invested and withdrawn.

If you need to tap your savings and are younger than age 55, you’ll generally want to access your non-Roth retirement accounts last. Start with taxable accounts like bank or regular brokerage accounts. Then go to any Roth IRA contributions you have since they can be withdrawn tax-free and penalty-free. However, that’s still just a next-best option since you sacrifice the potential for tax-free growth. Only after those options are exhausted should you consider dipping into retirement accounts that would be subject to taxes plus a 10% early withdrawal penalty.

Of course, the most beneficial thing you can do after a layoff is to find a new job so don’t forget to update your resume, get in touch with your network, brush up on your networking and interviewing skills, and start job hunting. When you do land a job, try to build your emergency savings up to at least three to six months’ worth of necessary expenses. At least now you’ll have a better idea of just how beneficial that is.

I’m a Senior Resident Financial Planner at Financial Finesse, primarily responsible for providing financial education and guidance to employees of our corporate….

Source: 5 Financial Steps To Take If You Get Laid Off

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4 Job Interview Mistakes That Can Cost You Thousands In Salary

Common interview mistakes can cost people thousands of dollars in salary...getty

With many companies laying off workers in 2023, competition is increasing for high-paying roles. Put more money in your pocket by avoiding these common interview process mistakes I’ve seen as a former recruiter.

Leaving Your Salary Alignment Unconfirmed

In previous generations, it was considered rude or presumptive for candidates to ask about the salary alignment up front. I was personally told it made me seem like I cared more about the money than the job. Unless you have the free time to go on purely exploratory interviews, move forward with a formal job interview only if you are clear that what you are willing to accept is within the range the employer is willing to pay.

Eight states have established, and at least 15 states are exploring, salary range transparency laws. Though the salary range might be public on a job posting, I’ve often found them to be inaccurate as they are often copied from old job descriptions. Even if you do not live in one of these states, it is acceptable for you to ask the recruiter to confirm the salary range for the role during your first-round interview.

Websites like Salary.com, Glassdoor and PayScale are a good place to start, but they often show ranges that are unreasonably large — for example, $50,000 to $150,000 — which aren’t very helpful. Some sample questions you can use to confirm the salary range fits your expectations are:

  • I found this salary range for a similar role in my research. Is your company competitive with this range?
  • What quartile within the range are you targeting for this role?
  • What was the salary of the last person who was in this role?
  • My target salary is around this amount. Is this within the budget?

If employers are not willing to share at least a reasonable range for a role, it’s a red flag that they are unclear on how they value this position within the organization.

Waiting To See The Cost Of Health Benefits

I’ve interviewed hundreds of candidates as a human resource professional. In those experiences, most people knew to ask what benefits were offered, but very few asked how much those benefits would cost them. I’ve encountered several cases of employees who were surprised at the amounts deducted on their paychecks because they didn’t know the details beforehand.

Before you accept any job offer, be sure to ask for the paycheck deductions for each of your health, dental, vision, life and disability insurances. Small differences can add up to big amounts if you don’t pay attention, but they also can yield big savings that can create more room for negotiation in the base salary. Do a thorough comparison between coverages to estimate what your potential exposure could be under new health plans. In particular, compare the:

  • Deductible
  • Co-Pays
  • Coinsurance
  • Out-Of-Pocket Maximum

For example, when I left one employer to join another, the new employer paid 100% of the employee’s health insurance. So even when they came back to me with a lower salary offer, I was willing to accept it because at around $100 per paycheck at my current employer, I was able to save $2,400 a year in my salary with the new benefits.

Overlooking The 401(k) Details

The first three companies I worked for all had 401(k) plans with company matches, and the subsequent three companies I worked for did not have company matches. Like most people, I focused more on what they offered me in salary and in hindsight I wish I had stayed at the companies with 401(k) matching because that was free money I could have invested to retire earlier.

The details of 401(k) plans are often difficult to understand. So it’s important to work with your recruiter to learn how the money is matched and when those funds are considered yours. “Vesting” in a retirement plan means ownership of the money. Any dollars you contribute are 100% yours, however money matched by the company might not be yours immediately. For example, many companies have vesting schedules that allow you to own your matching funds after each year of service.

If a potential employer has a match in its 401(k) plan, consider that amount as part of your salary. If you are leaving a 401(k) match from your current employer, it’s a great negotiation point in asking the new one for more salary.

Ignoring Cold Calls From Recruiting Firms

If you are ever approached by a reputable recruiting agency on LinkedIn or via e-mail, it is always worth at least a conversation after you’ve confirmed the salary range. Third-party recruiters are hired by companies who have hard-to-fill roles and are tasked with finding highly vetted candidates. So, if they’ve reached out to you, there’s a good chance they already think you are a fit.

You can and should use the information you learn from agency recruiters to better inform your own salary negotiations within your current organization, as their data is from live searches now. I personally was able to jump from $53,000 to $90,000 with one job move thanks to an agency recruiter who reached out to me.

Do not, however, pay a recruiter to find a job for you. Reputable agency recruiters are only paid if you are a successful candidate, and they are paid by the employers, not the candidates. Agency recruiters make great partners as they are incentivized to be transparent about the salary and will prep you as much as possible to succeed in the interview.

Most people only start looking for a new job once they absolutely need it. Even if you are not actively looking and happy in your current role, building a relationship with a third-party recruiter within your industry can help you keep a pulse on key trends. It also can keep you top of mind for roles that might be a better fit in the future.

I am a debt-free millionaire coaching women to financial independence. I’m the eighth of my father’s nine kids...

Source: 4 Job Interview Mistakes That Can Cost You Thousands In Salary

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5 Questions To Ask Before Signing a New Mobile Phone Contract

Eva-Katalin//Getty Images

Signing a mobile contract locks you into ongoing payments for 12 months or more, so it’s important to find the best deal before you commit. Here are 5 questions you should ask before signing a new mobile phone contract.

1. What is network coverage like in my local area?

Save time by checking coverage before talking to providers. Ofcom’s postcode-based checker reveals which of the four main networks have good coverage – indoors and out – in your area. For more detailed results, including 5G coverage, which supports mobile data at twice the speed of average home broadband connections, check with the networks themselves by clicking here: EE, O2, Three and Vodaphone.

If your preferred provider isn’t one of those four, it will be a mobile virtual network operator (MVNO), which buys and resells airtime on one of the listed networks. Coverage will be identical to the host network, even if it doesn’t offer the same full range of services. To gauge their coverage, look up the appropriate host on the list of MVNOs at Uswitch.com.

2. Will I be charged for roaming?

Post-Brexit, some UK operators are introducing charges for calls and data in Europe. Vodafone, EE and Three charge £2 a day for using your bundled allowance outside the UK and the Republic of Ireland, and even those that don’t yet charge in the EU routinely apply a supplement when travelling further afield.

You can often avoid roaming charges by opting for a more expensive contract. Vodafone’s Unlimited data Xtra plan with 4 Xtra benefits costs £37, but doesn’t charge for roaming in far-flung locations like Canada, New Zealand and Australia. By avoiding the £6 per day you’d otherwise pay in those states, you’ll offset a month’s bill in about five days.

Don’t forget to ask if your network applies ‘fair-use’ limits when roaming, and whether these have been reduced since Brexit. Exceeding them will land you with excess fees.

3. Can I save money by buying the handset outright?

Spread the cost of your phone over the term of your contract and you’ll often pay a slightly higher price for the convenience. Calculating the difference between these cumulative payments and the up-front cost you would otherwise pay can help you work out the best way to finance your next device.

You may like to read: Choosing A New Cellphone Company

A 128GB iPhone 13 Pro with 24-months of unlimited airtime (this includes data, minutes and texts) costs £1804 at EE. The same airtime bought SIM-only costs £35 a month, so EE is selling the phone at a competitive £964. The same handset is only £15 cheaper from Apple, so by spreading the cost you’re effectively charged interest at just 0.42% APR.

At Three, a 128GB Google Pixel 6 with 100GB of data costs £1109 over two years. Google sells the same phone for £599 and, when you add £16 a month for 100GB of data and calls, you’d be £5.25 per month better off if you pay up front, avoiding the equivalent of 5.68% APR interest.

4. How much data do I need?

Make sure you know what you already use, as upgrading your phone shouldn’t greatly impact how much data you need. On Android, open Settings and tap ‘Network and Internet’, then your network provider’s name, followed by ‘Mobile data usage’. On iPhone, open Settings, tap ‘Mobile data’, and check the figure beside Current Period.

5. Can I switch providers when my contract ends?

Since December 2021, operators have been banned from selling phones locked to their own network, or airtime contracts of more than two years. So, check that your payments will be reduced to SIM-only rates once you’ve paid for your handset.

If you’re signing up to a 12-month airtime contract but paying for the handset over two years, make sure you’re not committed to another year of voice and data charges when the initial airtime contract expires.

By: Nik Rawlinson

Source: 5 questions to ask before signing a new mobile phone contract

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IRS New Income Tax Brackets For 2023

  • The IRS has released higher federal tax brackets for 2023 to adjust for inflation.
  • The standard deduction is increasing to $27,700 for married couples filing together and $13,850 for single taxpayers.
  • There are also changes to the alternative minimum tax, estate tax exemption, earned income tax credit and flexible spending account limits, among others.

IRS raises income threshold and standard deduction for all tax brackets. Amid soaring inflation, the IRS this week announced higher federal income tax brackets and standard deductions for 2023.

The agency has boosted the income thresholds for each bracket, applying to tax year 2023 for returns filed in 2024.

These brackets show how much you’ll owe for federal income taxes on each portion of your “taxable income,” calculated by subtracting the greater of the standard or itemized deductions from your adjusted gross income.

Higher standard deduction

The standard deduction will also increase in 2023, rising to $27,700 for married couples filing jointly, up from $25,900 in 2022. Single filers may claim $13,850, an increase from $12,950.

More from Year-End Planning

Here’s a look at more coverage on what to do finance-wise as the end of the year approaches:

Other tax provisions adjust

The IRS also boosted figures for dozens of other provisions, such as the alternative minimum tax, a parallel system for higher earners and the estate tax exemption for wealthy families.

There’s also a higher earned income tax credit, bumping the write-off to a maximum of $7,430 for low- to moderate-income filers. And employees can funnel $3,050 into health flexible spending accounts.

While the agency hasn’t yet released 2023 limits for 401(k) and individual retirement accounts, experts predict IRA limits will jump to $6,500 for savers under 50.

By: Kate Dore, CFP®@katedore

Source: IRS: Here are the new income tax brackets for 2023

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5 Mistakes You Don’t Want To Make During Employee Open Enrollment

Worried man reading bad news in paper letter document feels disappointed, stressed ..getty

Fall is a time of leaves changing colors, children going back to school, families enjoying Thanksgiving dinners, and… open enrollment. Yes, it’s the opportunity for most employees to select which benefits they will choose for the following year. Here are some of the most common mistakes we see people make:

Not fully understanding the value of an HSA-eligible health insurance plan.

HSA-eligible high deductible health plans tend to come with lower premiums (what you pay per month or paycheck for your coverage) but higher deductibles (what you pay out-of-pocket before most of the insurance benefits kick in) than more standard health insurance plans. In addition, they make you eligible to contribute pre-tax dollars (for 2023, up to $3,850 for individual coverage or $7,750 for family coverage plus $1,000 if you’re turning 55+) to an HSA (health savings account) that can be used tax-free for qualified medical expenses at any time.

While it’s easy to compare the difference in premiums and deductibles, don’t forget to factor in the value of the HSA. First, many employers will actually make contributions to your HSA for you. That’s free money! If you contribute on top of that, you also get a break on your taxes (including FICA if you contribute from your paycheck).

For example, I spoke with an employee who would save almost $1,900 a year in premiums by choosing the high deductible health plan. In addition, he would receive $1,000 in his HSA from his employer and would save almost another $2,000 in taxes by contributing another $6,000 to the HSA. The $4,900 in total savings dwarfed the difference in deductibles.

Under or over funding an FSA.

FSAs (flexible spending accounts) let you put money away pre-tax that can be used tax-free for health (up to $3,050 per person next year) or dependent care (up to $5,000 per family next year) expenses. If you’re in the 24% tax bracket, that’s like getting a 24% discount on those eligible expenses! Not taking full advantage of these accounts could cost you hundreds or even thousands of dollars in lost tax breaks.

However, there is a catch. Unlike HSAs, FSAs are mostly “use it or lose it” so you don’t want to contribute more than what you’re pretty sure you can spend. (Having a general health care FSA also precludes you from contributing to the more valuable HSA in the same year.) If you do end up with extra money in the account at the end of the year, try to use it by stocking up on qualified supplies like contact lenses and prescription drugs. You can find FSA-eligible items here.

Not taking advantage of a prepaid legal plan.

Do you have updated estate planning documents like a will, durable power of attorney, advance health care directive, and living trust? If not, you can save a lot of money by using your employer’s prepaid legal service to have these documents drafted or updated. You pay a fee per paycheck, but the legal services are free or heavily discounted. You can then choose not to renew it the following year after you’ve gotten your documents in place.

Ignoring disability insurance.

Disability insurance is often overlooked even though about 25% of 20-yr olds are likely to be out of work for at least a year due to a disability before they reach normal retirement age. If your employer doesn’t provide it, you may want to purchase it. The good news is that employee-paid disability benefits are tax-free.

Not having enough life insurance.

Your employer may offer you life insurance coverage equal to one or more times your salary, but you may want to purchase supplemental life insurance if you have dependents. You can use this calculator to estimate how much you need. Then compare the cost of purchasing it through your employer with the cost of a term policy in the individual market. (See if your coverage at work can be converted to an individual policy once you leave the job.)

Your benefits can be a significant part of your total compensation and open enrollment can be your only chance to take full advantage of many of them. When in doubt about your selection of benefits, find out if your employer offers a financial wellness program with free guidance and coaching from unbiased financial planners who are trained on your particular benefits. Then go and enjoy the holidays knowing that your family is protected.

I’m a Senior Resident Financial Planner at Financial Finesse, primarily responsible for providing financial education and guidance to employees of our corporate clients. I also

Source: 5 Mistakes You Don’t Want To Make During Employee Open Enrollment

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