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Technical specifications[ edit ] The size of most credit cards is The card number’s prefix, called the Bank Identification Number , is the sequence of digits at the beginning of the number that determine the bank to which a credit card number belongs. This is the first six digits for MasterCard and Visa cards. The next nine digits are the individual account number, and the final digit is a validity check code.

Many modern credit cards have a computer chip embedded in them as a security feature.

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Old Rule New Rule Taxpayers were previously allowed to deduct out-of-pocket medical expenses that exceed 10 percent of their adjusted gross income or 7. New Rule The threshold for all taxpayers to claim an itemized deduction for medical expenses is lowered to 7. The change applies to taxable years from Dec. Back to table of contents Miscellaneous tax deductions Taxpayers can take the miscellaneous tax deduction if the items total more than 2 percent of their adjusted gross income.

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At the very least, contribute enough to your company-sponsored retirement plan to capture the full company match, if you are offered one. From there, consider increasing your contribution based on your other financial goals. The earlier you start saving and the more you contribute, the better. Planning for retirement from an early age is wonderful, but there may be other goals you want to achieve when you are young and need money in the near future.

For example, you might want to prioritize paying off high-interest debts like credit cards or auto debt before throwing a good chunk of your paycheck into your retirement fund. Although there are multiple benefits to saving for retirement, you may want to take a holistic view of your financial situation and review your near-term financial goals before deciding whether or not to max out your k. Read our guidelines on things you should consider before hitting that maximum.

Clearly, not many people can achieve that goal. Depending on circumstances, some people probably can make do with a smaller cash reserve, but others may need a bigger one. An emergency fund is an account you can use to cover necessary expenses in case you lose a job, your car breaks down or you get hit by an unexpected hospital bill.

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