Colin R. Leisy's Loose Change Newsletter

2810 Fieldstream Drive North

Wilson, NC 27896

Phone: 252-237-4357

Fax: 252-243-2681

March/April 2022

It's Not Too Late

It isn’t often that we get to fix our mistakes, but here’s some good news. If you regret not adding more money to your retirement accounts last year, you can take advantage of a do-over. You have until the date 2021 tax returns are due to contribute to an individual retirement account (IRA) and if you choose a traditional IRA you could qualify for a tax deduction on your 2021 return.

Plan For Your Company's Future

Tax season provides a good opportunity to assess your business and take stock of where it is, where it’s going, and what steps you can take to plan for a successful year ahead.

Is a Worker Shortage Affecting Your Business?

Extra unemployment benefits ended last September. The pandemic is less of a concern. The country is slowly returning to normal, so why aren't workers going back to work?

Planning Around an Age Gap

A significant age difference between spouses can present unique challenges for financial and estate planning. The needs of the younger spouse may be quite different from the older spouse. Several areas of concern are worth examining.

FICO® Scores: You Don't Have Just One

Your FICO score is based on the information in your credit report and shows lenders how likely you are to repay a loan. When you apply for credit, lenders use your score to determine the amount you can borrow and the interest rate you'll be charged. Typically, the higher your score, the better the rate.

Is a Balanced Fund Right for You?

Balanced funds are mutual funds* that offer a fixed allocation of stocks and bonds. Their investment goal is a mix of capital growth and income with low volatility.

Find Extra Cash Hiding in Plain Sight

Looking for extra dollars to invest? They might be right in front of you.

Are You Above Average?

Here's a snapshot of the average U.S. household's finances. See how your own finances compare.

ETFs and Mutual Funds: Alike but Different

Mutual funds* and exchange-traded funds (ETFs)* are both baskets of individual securities that offer a variety of asset classes and niche markets that can help investors to diversify** their portfolios. There are differences between them, however, that could make one option preferable for a particular investor.

Avoid These Retirement Planning Mistakes

Help improve your financial future by avoiding these pitfalls.

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