It’s been estimated that there are about 15 million such accounts left behind by former employees, mainly because of either inertia or confusion over strict rules for moving the money. And since the IRS doesn’t allow procrastinating on a key decision — if you withdraw even a dime, you’ve got just 60 days to reallocate into a different tax-advantaged account — here’s a rundown of your options to avoid what could be a costly mistake:
Student athletes admire and emulate the pros in their sports. Unfortunately, this mimicry may extend to the abuse of painkillers to avoid injury and enhance performance. One recent study found that approximately half (53 percent) of college-student athletes reported using medications to enhance performance, and another study of high-school-student athletes found that 12 percent of male and 8 percent of female high school seniors reported abusing medications.
Football, in particular, prompts student athletes to seek out ways to enhance performance. “Youth and high-school players see an example that appears to be of men so tough, they laugh at pain,” writes former ESPN.com columnist Gregg Easterbrook in his book, “The King of Sports: Football’s Impact on America.” “The message sent is that young players should use their own bodies recklessly,” he notes.
Making a resolution to improve your finances puts you several steps closer along the road to a better bottom line, based on data from Fidelity Investments’ eighth annual “New Year Financial Resolutions Study.” Looking for a resolution that will pay off and pay dividends? Simply resolving to pay more attention to your finances improves the chances that your financial health will improve.
According to the Fidelity study, 45 percent of individuals who reported making financial resolutions at the start of 2016 were more debt-free at the end, compared with 34 percent of individuals who did not report making any financial resolutions within the past year. In addition, those who made financial resolutions were more likely to say they felt financially secure compared to those who didn’t make resolutions (45 percent vs. 34 percent).
1. Blazin’ Buffalo Potato Skins
It’s the big-game weekend and you’re hosting. You want something bold, flavorful, and better for you. Get recipe here.
2. Nutty Tapenade
Dips are an easy way to feed the crowd. Here’s a lighter option that is just as creamy and rich as ever. Get recipe here.
3. Spicy California Quesadillas
This twist on a classic appetizer will fill you up, while still packing a ton of nutrients. Get recipe here.
The former “Baywatch” beauty is out with a new public service announcement (PSA) called “The Driving Game!” that slams the ride-hailing industry. As an homage to the classic TV game show, “The Dating Game,” Anderson plays a passenger grilling three male contestants vying to drive her home, and — given the slew of Uber and Lyft drivers who’ve been accused of rape, murder, and other crimes across the country — you can understand why the two identified only as “Ride Hail App Drivers” come off as something akin to dates from hell.
If you are concerned about your well water, these three steps can help get owners the appropriate tests for contaminants that might present a health risk — or create taste, odor, or appearance problems:
1. Determine what you should test for in your water.
2. Obtain a reliable water test.
3. Get an interpretation of your test results so you can take any appropriate action.
An excellent place to start learning more about these three steps is the NGWA website,
A key to improving water quality is knowing the basics about water testing, well maintenance, water treatment, and groundwater protection, says the National Ground Water Association (NGWA).
Unlike public water systems, private well owners are responsible for testing their own water. NGWA recommends that well owners test annually for bacteria, nitrate, and anything of local concern. To get your water tested, check with your county health department to see if it offers testing services, or check with a private drinking water testing lab.
It’s a term that typically comes up after every major storm —Hurricane Matthew being the latest to wreak havoc — as homeowners are warned that many houses are simply no match for high winds, and that prudence dictates that they act to help protect themselves and their property from future tempests.
If you think those warnings are needlessly alarmist, so too did all those New Yorkers who got pummeled by Hurricane Sandy.
So what should homeowners do, proactively, to increase their odds of beating Mother Nature?
If you don’t care about blowing tens of thousands of dollars on upgrades that add little to nothing to your home’s value, you might as well stop reading and Google what’s currently going on with Kim Kardashian and clan. But if you do care— and you should if you ever plan to sell — then Remodeling Magazine’s annual Cost vs Value Report for 2016 is a must-read.
Still interested? Of course your are.
Let’s begin by acknowledging the report’s biggest takeaway: All the academics and real estate pros are right to “tout the value of projects that promote curb appeal.” Read on to see why, and where else you money is or isn’t well spent.
With the holidays just around the corner, it’s the perfect time to spruce up your home before entertaining friends and family. Whether your guests are coming just to watch the big game or for an extended stay, your media room will no doubt be a popular gathering place. The American Lighting Association (ALA) suggests a few ways to enhance everyone’s viewing experience.
No matter what kind of space you have, be it a dedicated media room, a simple TV nook or something in between, the fundamental components are comfort and the appropriate amount of lighting. For the majority of homeowners, most media-related activity takes place in a multi-use space, which means the lighting must have the flexibility to go from everyday activities to TV viewing.