About Stacey Nickens

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So far Stacey Nickens has created 43 blog entries.

Giving Tuesday is December 3rd

2019-12-02T18:29:15-05:00December 2nd, 2019|Charity, Giving Back|

Charity, Giving Back As we start to recover from our Thanksgiving turkey overdose, we are enticed out of bed by Black Friday and Cyber Monday deals. While enamored with 40 percent off and free shipping, the meaning of the holiday season can be lost in a dash to get the latest tech gadget. Enter [...]

Avoid These Three Mutual Fund Mistakes

2019-11-07T18:01:31-05:00November 7th, 2019|Investments, IRA, Mutual Funds, Retirement, Taxes|

With the possibility of a trade war resolution, investors who have been keeping cash on the side lines may start jumping into the market. With over 10,000 mutual funds available, many investors still use this vehicle as their primary investment tool. You’ll keep more after-tax income if you avoid these three mistakes. 1. Judge a [...]

Tax Friendly Retirement States

2019-11-06T11:44:52-05:00November 6th, 2019|Retirement, Social Security, Taxes, Uncategorized|

Georgia ranks as one of the most tax friendly states for retirees. Georgia does not tax Social Security benefits and provides a deduction of $65,000 per person on all types of retirement income for those individuals 65 and older. Most counties within Georgia also provide for additional senior exemptions as a means to lower [...]

Social Security Benefits Cost-of-Living Adjustment for 2020

2019-10-15T15:54:46-05:00October 15th, 2019|Retirement, Social Security|

On October 10, the Social Security Administration (SSA) announced that recipients will be receiving a 1.60% raise in January 2020 in the form of a cost-of-living adjustment.  SSI recipients will receive their increased paychecks in December 2019. The raise is lower than the last couple of years because inflation in the third quarter (July, [...]

Employee Stock Plan Mistakes to Avoid

2019-10-10T07:37:50-05:00October 10th, 2019|Beneficiaries, Benefit Plans, Options, Retirement, RSUs, savings, Stock Plans|

Fall is open enrollment for many employer benefit plans. Employee stock plans are a great way to build wealth and help you reach your financial goals. Confusion over these plans often leads to costly mistakes. Thanks to Fidelity for helping with their 6 Employee Stock Plan Mistakes to Avoid.  

How Do I Budget for Vacations?

2016-11-22T21:57:28-05:00May 20th, 2015|Blog, budget, Budgeting, vacation|

Summer is around the corner, and many of us are planning some vacations to enjoy time with friends or family. Hopefully you have asked how do I budget for vacations and are prepared. As you make reservations and prepare summer budgets, take time to review your monthly budget. How much money have you set aside [...]

Saving for College vs. Retirement

2015-05-19T13:54:46-05:00May 14th, 2015|Retirement, Saving for College|

When budgeting each month, many parents face a trade off between saving for retirement versus saving for your children’s college education. In this trade off, retirement savings may be partially or entirely sacrificed for your children’s future — a valiant decision in the short term that may have serious long-term implications. With this in mind, consider [...]

Renewable Energy Tax Credits and Exemptions

2018-06-28T15:15:32-05:00April 22nd, 2015|Tax Credits and Exemptions|

Happy Earth Day everyone! As we work towards taking better care of our planet, we are often reminded that, while using renewable energy may be cost-effective in the long run, the up-front costs can run high. With this in mind, ELM3 would like to remind you of a few clean energy tax credits and exemptions [...]