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☆ How Long Does It Take to Get a Tax Refund?
▼ + stars: | 2024-01-15 | by ( E. Napoletano | ) www.wsj.com time to read: +6 min

By E. NapoletanoOver dinner with friends, you toast to having finished this year’s tax return: Everyone’s getting a tax refund! How you file your tax return greatly impacts how quickly your refund arrives. Four ways to get your tax refund fasterThere are a few basic situations where your refund can be delayed. E-fileIf you still put a stamp on your tax return, you may want to upgrade to e-filing. How to check your refund statusNo matter how you file, you can easily check your refund status using the IRS’s Where’s My Refund?

Persons: they’ve, Uncle Sam, Rob Burnette, haven’t, you’ll, “, you’re, Brian Eberle, it’s, Eberle, ” Organizations: Internal Revenue Service, IRS, Outlook Financial, Social Locations: Troy , Ohio, Minneapolis

☆ What Is an Expense Ratio?
▼ + stars: | 2023-07-24 | by ( E. Napoletano | ) www.wsj.com time to read: +8 min

The easiest way to think of the expense ratio is the fee you pay to the portfolio manager of your mutual fund. When you invest in an ETF or mutual fund, the fund’s prospectus will state its expense ratio. How expense ratios impact investment returnsBefore you can look at how expense ratios impact your investment returns, it helps to understand what an average expense ratio looks like. While the average active stock fund’s expense ratio was 0.66% in 2022, the average bond fund charged just 0.44%, according to ICI. Remember: It should be easy to find the fund’s expense ratio.

Persons: it’s, Chloe Wohlforth, Russell, Warren Buffett, Peter Lynch —, Merrill Lynch, Morgan Stanley, Justin McCurdy, “, ”, you’re, McCurdy Organizations: Investment Company Institute, ICI, BuySide, SEC, Morningstar Locations: —, New York, U.S, Angeles

☆ When Will Gas Prices Go Down?
▼ + stars: | 2023-06-10 | by ( ) www.wsj.com time to read: +10 min

Gas price outlook for 2023When you venture out during the summer travel season, expect gas prices to remain steady through September—mostly due to overseas economic pressures. “When per-barrel prices go up, gas prices go up. By that time, the EIA estimates gas prices will drop to roughly $3.09 per gallon—a near-50-cent price break from today’s prices. Other factors affecting gas pricesWhile supply and demand are the leading factors that dictate oil and gas prices, they aren’t the only players. The Google Maps app also has a gas pump icon under the main search bar that will highlight local gas prices.

Persons: ”, Stuart Katz, Robertson Stephens, “, we’ve, John LaForge, Barack Obama, Biden, Katz, — you’ll Organizations: U.S . Energy Information Administration, Organization of, Petroleum, Energy, Wells, Wells Fargo Investment Institute, Strategic Petroleum Reserve, Bush, Hurricane, International Energy Agency, Treasury Department, State Tax Gas, of, PayPal, Google, Gas, Shell, Exxon, Mobil, Consumer, Lexus, Ford, University of California Locations: Ukraine, Russia, China, Wells Fargo, Persian, West Coast, California, Arizona, Pennsylvania, Mississippi, Washington, Hawaii, Illinois, Alaska, New Jersey, Connecticut, Los Angeles

☆ What Is a W-4 and How Do I Fill Mine Out?
▼ + stars: | 2023-05-09 | by ( ) www.wsj.com time to read: +14 min

How Form W-4 has changedIf you haven’t checked in on your W-4 lately, you’ll want to take a gander, says Pete Isberg, an executive with payroll provider ADP. That’s because Form W-4 was overhauled in 2020 based on changes passed in the Tax Cuts and Jobs Act a few years earlier. At the top of the W-4 form, you enter your personal information and filing status. If you have multiple jobs, you’ll use Step 2(b)—Multiple Jobs Worksheet, which is found on page 3 of Form W-4. So after you file your Form 1040 tax return, your W-4 form updates should be next.

☆ How to Fill Out a Form 1040
▼ + stars: | 2023-03-20 | by ( ) www.wsj.com time to read: +15 min

Form 1040 contains every figure the IRS needs to calculate your tax bill or refund. The form is identical to Form 1040, but with larger text that makes the form easier to read.) Filing status and personal informationAt the top of Form 1040, you’ll indicate your filing status and provide your basic personal information. If you make estimated tax payments throughout the year, you might want some of your overpayment applied to your estimated tax payments for the following year. Signatures on Form 8879 can be electronic or physical, and once the form is signed you can submit your return for e-filing.

☆ What Is Adjusted Gross Income?
▼ + stars: | 2023-03-05 | by ( ) www.wsj.com time to read: +11 min

Your adjusted gross income, or AGI, is your gross income—the sum of all your income sources for the year—less certain above-the-line deductions allowed by the Internal Revenue Service. Your adjusted gross income acts as a guidepost for several aspects of your finances. For instance, if you earned $55,000 from your job, rental income of $10,000 and dividend income of $630, your annual gross income would be $65,630. Here’s a tip: Your AGI will never be more than your gross income, and some taxpayers may find their gross income and AGI are the same. No conversation about adjusted gross income is complete without discussing modified adjusted gross income, or MAGI.

☆ How High Will Jumbo CD Rates Go in 2023?
▼ + stars: | 2022-12-24 | by ( ) www.wsj.com time to read: +6 min

In other words, while today’s jumbo rates are certainly attractive, you don’t need to be a wealthy investor to get the best CD rates available. So whether you’re looking for a jumbo CD or didn’t think you could afford one, here’s what you need to know about jumbo CDs, where rates could go in 2023 and why regular CDs are the way to go. With a regular CD, early withdrawal penalties can range from zero with a no-penalty CD to six months’ interest, with higher penalties for multiyear CD terms. CD rates tend to follow Federal Reserve moves, which explains why CD rates ticked upward after each Fed rate hike in 2022. CD buying strategiesTo find the best CD rates, you’ll want to look beyond jumbos and rate shop regular CDs.

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