Rice co financial guide 2015 by Kate Noet

RICE COUNTY

FINANCIAL GUIDE FEBRUARY 2015

IRS Completes the “DIRTY DOZEN” Tax Scams for 2015 NorthfieldNews.com NorthfieldNews.com

Keep Your IDENTITY Yours THE BEST CHOICE

NorthfieldNews.com

Northfield News a special supplement to

Find The BEST BANK For You How to Live As A

FAMILY

ONE INCOME

Northfield News

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RICE COUNTY FINANCIAL GUIDE

Wednesday, February 25, 2015

Story Index Is Accounting Right For You? .............................................................2 IRS Completes The “Dirty Dozen” Tax Scams for 2015 ......................3 Keep Your Identity Yours ...................................................................4 How To Live As A One Income Family .................................................5 Save Money In The Grocery Aisles .....................................................5 The Best Choice ..................................................................................6 Find The Best Bank For You ................................................................6 Look for this section on

Faribault.com NorthfieldNews.com

A special project of the Northfield News 115 5th Street W, Northfield, MN 55057

Cover Design: Kate Townsend-Noet

A special project of the Faribault Daily News 514 Central Avenue, Faribault, MN 55021

Publisher Sam Gett

RICE COUNTY FINANCIAL PLANNING GUIDE, February 2015 is distributed to subscribers and readers of the Northfield News and Faribault Daily News at no additional charge. All advertising contained herein is the responsibility of the advertisers. All rights reserved. ©2015.

Is Accounting Right For You? By Craig W. Armstrong (AdBuilder)

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Are you good with math? Do you enjoy working with spreadsheets and the latest computer programs? Do you like knowing how a business works? If you answered yes to any of these questions, a career in accounting might be for you. Accountants deal with the internal workings of a business. They follow the flow of transactions made by the company. They record data and monitor the intricacies that allow a business to run. They perform these functions while making sure that all state and federal guidelines are being upheld. Accountants are very detail-oriented people. A career in accounting usually starts with a bachelor’s degree in the field. Many accountants continue their education and obtain a master’s degree. In addition, they may also complete

coursework that gives them special credentials, such as becoming a CPA (Certified Public Accountant). Since accountants delve into the inner workings of a business, they usually understand how an organization operates more clearly than others. It’s for this reason that accounting is the starting point for many corporate executives and CEOs. There are several types of accountants. Public accountants have their own business or work for public accounting companies. They usually work with a variety of different businesses and handle a wide range of disciplines, including taxes, auditing and consulting. Management accountants work for one company. They are involved in strategic planning, financial analysis and budget planning. Accounting auditors are the detectives of the accounting world. They make sure all records are

correct and all procedures are followed. It’s their job to uncover fraud and waste. Because this type of accounting is so detailed, accounting auditors sometimes specialize in certain areas such as insurance or legalities. While some accountants work as auditors within an organization, government accountants work from the outside. They are employed by federal, state or local governments to ensure regulations are being met. While communication skills are important for an accountant, analytical and computer skills are more valuable. Technology to assist in the accounting process changes rapidly and keeping up with that technology is crucial to success. If this kind of work sounds appealing to you, check out a career in accounting. It’s never too late to do something you like. 

Wednesday, February 25, 2015

RICE COUNTY FINANCIAL GUIDE

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IRS Completes The

WASHINGTON — The Internal Revenue Service wrapped up the 2015 “Dirty Dozen” list of tax scams today with a warning to taxpayers about aggressive telephone scams continuing coast-to-coast during the early weeks of this year’s filing season. The aggressive, threatening phone calls from scam artists continue to be seen on a daily basis in states across the nation. The IRS urged taxpayers not give out money or personal financial information as a result of these phone calls or from emails claiming to be from the IRS. Phone scams and email phishing schemes are among the “Dirty Dozen” tax scams the IRS highlighted, for the first time, on 12 straight business days from Jan. 22 to Feb. 6. The IRS has also set up a special section on IRS.gov highlighting these 12 schemes for taxpayers. “We are doing everything we can to help taxpayers avoid scams as the tax season continues,” said IRS Commissioner John Koskinen. “Whether it’s a phone scam or scheme to steal a taxpayer’s identity, there are simple steps to take to help stop these con artists. We urge taxpayers to visit IRS.gov for more information and to be wary of these dozen tax scams.” Illegal scams can lead to significant penalties and interest for taxpayers, as well as possible criminal prosecution. IRS Criminal Investigation works closely with the Department of Justice (DOJ) to shutdown scams and prosecute the criminals behind them. Taxpayers should remember that they are legally responsible for what is on their tax returns even if it is prepared

by someone else. Make sure the preparer you hire is up to the task. For more see the Choosing a Tax Professional page. For the first time, here is a recap of this year’s “Dirty Dozen” scams: • PHONE SCAMS: Aggressive and threatening phone calls by criminals impersonating IRS agents remains an ongoing threat to taxpayers. The IRS has seen a surge of these phone scams in recent months as scam artists threaten police arrest, deportation, license revocation and other things. The IRS reminds taxpayers to guard against all sorts of con games that arise during any filing season. (IR2015-5) • PHISHING: Taxpayers need to be on guard against fake emails or websites looking to steal personal information. The IRS will not send you an email about a bill or refund out of the blue. Don’t click on one claiming to be from the IRS that takes you by surprise. Taxpayers should be wary of clicking on strange emails and websites. They may be scams to steal your personal information. (IR-2015-6) • IDENTITY THEFT: Taxpayers need to watch out for identity theft especially around tax time. The IRS continues to aggressively pursue the criminals that file fraudulent returns using someone else’s Social Security number. The IRS is making progress on this front but taxpayers still need to be extremely careful and do everything they can to avoid becoming a victim. (IR-2015-7) • RETURN PREPARER FRAUD: Taxpayers need to be on the lookout for unscrupu-

lous return preparers. The vast majority of tax professionals provide honest high-quality service. But there are some dishonest preparers who set up shop each filing season to perpetrate refund fraud, identity theft and other scams that hurt taxpayers. Return preparers are a vital part of the U.S. tax system. About 60 percent of taxpayers use tax professionals to prepare their returns. (IR-2015-8) • OFFSHORE TAX AVOIDANCE: The recent string of successful enforcement actions against offshore tax cheats and the financial organizations that help them shows that it’s a bad bet to hide money and income offshore. Taxpayers are best served by coming in voluntarily and getting their taxes and filing requirements in order. The IRS offers the Offshore Voluntary Disclosure Program (OVDP) to help people get their taxes in order. (IR-2015-09) • INFLATED REFUND CLAIMS: Taxpayers need to be on the lookout for anyone promising inflated refunds. Taxpayers should be wary of anyone who asks them to sign a blank return, promise a big refund before looking at their records, or charge fees based on a percentage of the refund. Scam artists use flyers, advertisements, phony store fronts and word of mouth via community groups and churches in seeking victims. (IR-2015-12) • FAKE CHARITIES: Taxpayers should be on guard against groups masquerading as charitable organizations to attract donations from unsuspecting contributors. Contributors should take a few extra

Tax Scams for 2015

minutes to ensure their hardearned money goes to legitimate and currently eligible charities. IRS.gov has the tools taxpayers need to check out the status of charitable organizations. Be wary of charities with names that are similar to familiar or nationally known organizations. (IR2015-16) • HIDING INCOME WITH FAKE DOCUMENTS: Hiding taxable income by filing false Form 1099s or other fake documents is a scam that taxpayers should always avoid and guard against. The mere suggestion of falsifying documents to reduce tax bills or inflate tax refunds is a huge red flag when using a paid tax return preparer. Taxpayers are legally responsible for what is on their returns regardless of who prepares the returns. (IR-2015-18) • ABUSIVE TAX SHELTERS: Taxpayers should avoid using abusive tax structures to avoid paying taxes. The IRS is committed to stopping complex tax avoidance schemes and the people who create and sell them. The vast majority of taxpayers

pay their fair share, and everyone should be on the lookout for people peddling tax shelters that sound too good to be true. When in doubt, taxpayers should seek an independent opinion regarding complex products they are offered. (IR-2015-19) • FALSIFYING INCOME TO CLAIM CREDITS: Taxpayers should avoid inventing income to erroneously claim tax credits. Taxpayers are sometimes talked into doing this by scam artists. Taxpayers are best served by filing the most-accurate return possible because they are legally responsible for what is on their return. (IR-2015-20) • EXCESSIVE CLAIMS FOR FUEL TAX CREDITS: Taxpayers need to avoid improper claims for fuel tax credits. The fuel tax credit is generally limited to off-highway business use, including use in farming. Consequently, the credit is not available to most taxpayers. But yet, the IRS routinely finds unscrupulous preparers who have enticed sizable groups of taxpayers to erroneously claim the credit to inflate their refunds.

(IR-2015-21) • FRIVOLOUS TAX ARGUMENTS: Taxpayers should avoid using frivolous tax arguments to avoid paying their taxes. Promoters of frivolous schemes encourage taxpayers to make unreasonable and outlandish claims to avoid paying the taxes they owe. These arguments are wrong and have been thrown out of court. While taxpayers have the right to contest their tax liabilities in court, no one has the right to disobey the law or disregard their responsibility to pay taxes. The penalty for filing a frivolous tax return is $5,000. (IR-2015-23) Additional information about tax scams is available on IRS social media sites, including YouTube http://www.youtube.com/irsvideos and Tumblr http://internalrevenueservice. tumblr.com, where people can search “scam” to find all the scam-related posts. Story supplied by Internal Revenue Service 

Sandy Flom, CPA, CFP

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PAGE 4

RICE COUNTY FINANCIAL GUIDE

Make Long-Term Care Part of Your Financial Plan Consider your long-term care and housing needs. Whether for you, your spouse or your parents, thinking through your down-the-road care and housing needs makes both emotional and financial sense. More than four in ten people between the ages of 45 and 55 have aging parents or in-laws. Do they have a long-term care plan in place? Do you? For more than 40 years, Northfield Retirement Community has provided the highest quality care and services to our residents and families, including: • Independent Living

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From independent living apartments and townhomes to complete-care settings, NRC gives residents a range of housing and care options. Visit www.northfieldretirement.org or call 507-664-3466 to learn more today.

Keep Your Identity Yours By Craig W. Armstrong (AdBuilder)

The online age has arrived. Advancements in technology have simplified life but made identities more public. Identity theft can cost an individual thousands of dollars and ruin their credit and their reputation. While identity theft is a threat that is here to stay, there are things you can do to protect yourself. Everything online requires a password, and this is a good place to start in protecting your identity. You should create passwords you can remember that do not reflect facts people may know about you or are public record. You should never use your birthday, anniversary date, children’s names or anything else that may be common knowledge. Try to find something familiar to you but not to many other people, something from childhood that sticks in your memory, like the name of a favorite stuffed animal, for example. The best passwords contain a mix of uppercase letters, lowercase letters and numbers. If you’re still stumped on a solid password, there are computer programs that can create randomly generated, virtually hack-

Wednesday, February 25, 2015

proof passwords. Once you create your passwords, never store them on your computer. Memorize them instead. If you can’t memorize all of them, put them in a word processing document, print the document, delete the document from your computer and hide the printout. If you would rather not have a printed copy hanging around, store the document on a flash drive or CD. Computers can be hacked and finding a list of passwords there can be a goldmine for a hacker. Replacing computers is not uncommon. If you are getting rid of yours, make sure its memory and all the data is wiped clean. If you kept the computer manual, there should be instructions on how to accomplish this. If you don’t have the manual, you might find one for your computer online. Another option is to take your machine to a trustworthy retailer with expertise in this area. They can either instruct you on how to wipe your machine or do it for you for a fee. Beware of scams. Many are so blatant it seems like common sense should prevail, but that is not always the case. NEVER

provide ANY information online to an unsolicited request. It’s called ‘phishing,’ and it includes claims that you have won big money, a long-lost relative needs money from you and many other bogus claims. The main thing to remember is it that if it sounds too good to be true, it probably is. NEVER provide your social security number online, even to a trusted source. At most, provide the last four digits and only to a trusted source. Your social security number IS your identity. Protect it! If you receive a suspicious-looking email, don’t open it. Delete it immediately. Not only could it be a scam, but it might contain a computer virus. These are just a few suggestions for protecting your identity. Keeping it safe is an ongoing job. As technology changes, so should your identity defense. Stay up on the current trends and scams. Take the time to safeguard your identity in every way possible. 

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Wednesday, February 25, 2015

RICE COUNTY FINANCIAL GUIDE

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Save Money In The Grocery Aisles By Craig W. Armstrong (AdBuilder)

HOW TO LIVE AS A ONE-INCOME FAMILY (METRO) Many couples wonder about the secret to surviving on one income when it seems like theyÕre just making ends meet with two incomes. Dual-income households, which in the United States are now more common than single-income households, have become the norm. With the rising cost of living, it may seem necessary for families to generate two incomes. However, many families still find a way to thrive on just one income. Doing so often requires a careful examination of family finances and a commitment to making changes to ensure one income is enough for a family to thrive. • habits. Having a clear picture of what is being spent each month will give you a better picture of which things are necessities and which are luxuries. Households that dine out a lot can likely save a considerable amount of money by eating more meals at home. Knowing how your money is being spent will help you reestablish your priorities and map out a plan to

live on one income. • nized. Some people grow accustomed to taking out the credit card anytime they want to make a purchase, oblivious to what they’re actually spending until the bill arrives. If you are such a person but you want to successfully transition to a single income household, you will likely need to rein in such spending habits. Determine exactly what is needed to cover bills each month. Once you understand what’s needed for the home, figure out how much you have left over. Divide that as necessary for savings and extra spending money. Knowing what you have to spend makes it much easier to avoid overspending. • Many financial experts recommend having enough in a savings account to cover six months’ worth of living expenses. This affords the household breadwinner enough time to find a new source of income in case of layoff and enough security to pay bills in case of injury. • if possible. If you are currently

living with two incomes, try living with one income for several months to a year and bank the other salary entirely. This will give you an accurate idea of whether you can afford a oneincome lifestyle. This also helps to establish a sizeable nest egg as a safety net once you begin living on just a single income. • sional. In many cases, moving to one income will put you in a lower tax bracket. This alone can make it worthwhile to explore a one-income lifestyle. An accountant can give you a clearer view of potential savings. • I look at expenses, you may find a number of trivial things that can be cut from your budget. Find out if you can save on cable costs by cutting down on the number of channels you carry on your plan. And you may be able to save by bundling certain products, such as insurance policies. After making a few adjustments, many families find that they can successfully live on just one income. 

In today’s economy, it’s important to save money wherever you can. One good place to start is at the grocery store. Here are few ideas to help you spend less when shopping for food. Before you go grocery shopping, take an inventory of what you have and what you need. Don’t assume you need spaghetti sauce when you already have two jars in the pantry. Make a list. Many people would never think about grocery shopping without a list, but for some, it’s a freefor-all. Not planning out your shopping trip can lead to impulse buys and overspending. Creating a list will create focus and keep you on task. It’s an old adage, but it’s true. Never go grocery shopping when you are hungry. Again, hunger can lead to impulse buys. You don’t need to eat a full dinner before shopping. Just make sure that those chocolate chip cookies aren’t more tempting than they should be. When you are almost finished shopping, take a look at your cart and make sure you really need everything that is in there.

If you find items that weren’t on your list, ditch them. When people think of saving on groceries, they naturally think of coupons. Coupons are great, and as you may have seen, some people have figured out a way to get $1,000 worth of groceries for $1! The trick to using coupons is to pay attention to what you are getting. Read the fine print. Make sure the savings don’t apply only to a specific size or number of items. With those 10-for-$10 promotions, for example, do the math and make you truly are getting a great deal. You can also save when shopping for certain items. You can buy produce in season when it is cheaper and look for larger cuts of meats that you can turn into several different products. You can have the butcher remove the bone for soap, grind some up for hamburger and so on. It’s cheaper than buying cuts separately. Being thrifty is something most people have to do in today’s economy. Following these simple suggestions and researching others might help you save in the grocery aisles. 

How healthy is your

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Securities and insurance products are offered through Cetera Investment Services LLC member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered. Investments are: *Not FDIC/NCUSIF insured *May lose value *Not financial institution guaranteed *Not a deposit *Not insured by any federal government agency.

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RICE COUNTY FINANCIAL GUIDE

Wednesday, February 25, 2015

THE BEST CHOICE By Ronda Addy (AdBuilder)

There may come a point in your life when you need help with your finances. That means you will be looking to hire a financial planner. Here are some tips to help you find a good one. Regardless why you need a financial planner-planning for retirement or your child’s college education, buying a new home or lacking the knowledge to get your finances in order-you don’t want to hire just any old financial planner. You need to find a qualified planner whose business style

suits your needs and with whom you feel comfortable. Here are some questions you should ask of any potential financial planners: • financial planner? What compa does your past experience relate to your current job? • financial planner? Are you a certified financial planner or practitioner, a chartered financial consultant or a certified public accountant-personal financial specialist? If the planner has any professional credentials, make sure you check out their back-

Your source for

LOCAL, PROFESSIONAL INVESTMENT ADVICE! • Retirement Services • 401k and IRA rollovers • Wealth Management strategies • College Savings Plans and more.

Christopher L. Kitzman, CRC® Certified Retirement Counselor®

(507) 332-4620 MN Ins. Lic.# 20043625

Located at State Bank of Faribault 428 Central Ave. N. Faribault, MN 55021 Investment Centers of America, Inc. (ICA), member FINRA/SIPC and a Registered Investment Advisor, is not affiliated with State Bank of Faribault or SBF Investment Center. Securities, advisory services and insurance products offered through ICA and affiliated insurance agencies are *not insured by the FDIC or any other Federal Government agency * not a deposit or other obligation of, or guaranteed by any bank or their affiliates * subject to risks including the possible loss of principal amount invested.

christopher.kitzman@investmentcenters.com

ground. • son working with me? Make sure you meet with anyone else who will be handling your account and check out their background as well. • ner offers will depend on their licenses, credentials and areas of right licenses, financial planners can’t sell securities, insurance, mutual funds or stocks. They are istered to do so.

•

sor who has a background in tax planning, insurance, estate or ments. • Ask each reference about their relationship with the planner and what, if anything, they

would change. • require clients net worth before working with them? What approach do you use? Are you ag tious? • do you charge? How are you paid? By commission, salary or hourly rate? Get in writing a summary of the money you will be spending in commissions and fees. • you from looking out for my best interests? If there are any poten

disclose that information to you. • ciary, a person legally entrusted with the assets of another? Get in writing whether or not the planner will act as your fiduciary. If they are not willing to do so, get details as to why they won’t. • I they do, you may not be able to settle the dispute in court. any pros and cons of such an agreement. you need a financial planner, choose one wisely. After all, they will be handling some your future. 

their capabilities, so don’t judge a • require account holders maintain a minimum balance on accounts. If you think it may be difficult for you to maintain a higher balance, find a bank that offers accounts with a low minimum balance so you don’t end up paying penalties just to spend your own money. • come with fees that are listed only be free if account holders maintain a minimum balance of $1,000 or more. Should that balance dip below the predetermined minimum, account holders are then subject to costly

account holders are charged a substantial fee if they do not chases, are another potentially costly problem for men and women who are not accustomed to monitoring their balances closely. Before opening an account, learn if there are any fees associated with it, and paying those fees, such as using only ATMs affiliated with important decision, and identifying your needs is a great way to make the best decision possible. 

Find the best bank for you (METRO) Some people where they do their banking, but much like no two account holders are the same, no two banks are the same, either. That reality only highlights the importance men and women must place on finding a bank that best suits their particular needs. In banking, what’s good for the goose is not necessarily good I ing to find the best bank for their needs can consider a host of factors before deciding just where it is they will be depositing their money in the years to come. • priority when it comes to finding a bank. Large banks tend to ATMs, and such banks tend to be in more regions of the country as well. Men and women who

people who go to school away from home may want to find a bank with a more national presence, as that can make it easier to deposit and withdraw money. If seem to withdraw money within your community, then a smaller, local bank, which should be able to offer the same direct deposit may be what you’re looking for. • cial needs catered to by the same bank. This means a bank that loans. Larger banks tend to offer it easier to manage all of your accounts. Smaller banks may be

Wednesday, February 25, 2015

RICE COUNTY FINANCIAL GUIDE

PAGE 7

Having More Retirement Accounts is Not the Same as Having More Money. When it comes to the number of retirement accounts you have, the saying “more is better” is not necessarily true. In fact, if you hold multiple accounts with various brokers, it can be difficult to keep track of your investments and to see if you’re properly diversified.* At the very least, multiple accounts usually mean multiple fees.

Retirement May Be Far Off,

Bringing your accounts to Edward Jones could help solve all But the April 15 Deadline for that. Plus, one statement can make it easier to see if you’re IRA Contributions Isn’t. moving toward your goals. You does havenotonly so many to against prepare *Diversification guarantee a profityears or protect loss. for

retirement. That’s why contributing to your Individual Retirement Account (IRA) is so important. Fortunately, you still have time maximize your learn why consolidating yourtoretirement 2013 IRA contribution before the April 15 deadline.

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PAGE 8

SEASON.

RICE COUNTY FINANCIAL GUIDE

Wednesday, February 25, 2015

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