What is a W-3 Form?

If you’re a typical wage- or salary-earning employee, read no further. If you’re an employer, small or large, if you have any traditional employees (as opposed to contractors) then you’ll need to file a W-3. Read on, novice business owners, for a run-down on what sort of requirements you can expect from a W-3. W-3 […]


Leveraging Both a 401(k) and a Roth IRA for Retirement

So the question is “Can I contribute to both a 401k plan and a Roth IRA”? Yes is the short answer, however, there are a few things employees must take into account when considering contributions to a 401(k) or 403(b) plan as well as a Roth IRA. Understanding a Roth IRA An IRA stands for […]


Plastic Jungle $25 Gift Card Giveaway x 2!

Congrats to our two lucky winners … Steve Capell and Ginger! You’ll be contacted by Plastic Jungle in the next 72 hours, so make sure to be on the lookout. Thanks to everyone for entering! When you think of the proper time to buy someone a gift card, three occasions probably come to mind.  Whether […]


Identity Theft Insurance – LifeLock vs. IDENTITY GUARD

Before I went to law school, I was a buyer for a large pharmaceutical company. I worked in a manufacturing facility and my boss was teaching me how to negotiate large contracts. He boiled all the advice you need when it comes to contracts down to one sentence–the big words giveth, and the small words […]


How Much Dough Does A Roller Need to Retire?

A simple question, with such a complicated answer. Just how much money do you need to retire?  The short answer is that you should certainly have enough in savings to bridge the gap between your retirement income and expenditures. Trouble is, that it can get complicated pretty quickly. First, you’ll need to figure out an […]


Get Your Score With Enrollment from IDENTITY GUARD

Update: This service is no longer available. You can find a current list of identity protection companies here.   Maintaining a high credit score is vital to saving tens of thousands of dollars on future car and home purchases and the first step into working towards high credit is knowing what your current credit looks […]