Will Your Social Security Benefits Be Taxed? Here’s How to Know

Elroy Mariano

Millions of seniors depend on Social Security to pay their bills and enjoy the retirement they’ve always dreamed of. But many are also shocked to learn that those benefits are, in fact, taxable in some situations.

But will you have to pay taxes on your benefits? These two questions will give you the answer.

1. What will your annual retirement income amount to?

If Social Security constitutes your only form of retirement income, then there’s a good chance you won’t have to lose some of your benefits to taxes. But the more income sources you have, the greater your likelihood of paying some taxes on your benefits.

Four Social Security cards in a loose stack

Image source: Getty Images.

To see if your benefits will be taxed at the federal level, you’ll need to calculate your provisional income, which is your non-Social Security income (including all tax-free income you collect, such as municipal bond interest, but not including

Read More

Is Sunlands Technology Group’s (NYSE:STG) Shareholder Ownership Skewed Towards Insiders?

Elroy Mariano

The big shareholder groups in Sunlands Technology Group (NYSE:STG) have power over the company. Institutions often own shares in more established companies, while it’s not unusual to see insiders own a fair bit of smaller companies. I generally like to see some degree of insider ownership, even if only a little. As Nassim Nicholas Taleb said, ‘Don’t tell me what you think, tell me what you have in your portfolio.

With a market capitalization of US$303m, Sunlands Technology Group is a small cap stock, so it might not be well known by many institutional investors. In the chart below, we can see that institutions are noticeable on the share registry. Let’s delve deeper into each type of owner, to discover more about Sunlands Technology Group.

View our latest analysis for Sunlands Technology Group

What Does The Institutional Ownership Tell Us About Sunlands Technology Group?

Institutional investors commonly compare their own

Read More

Data Mining Definition

Elroy Mariano

What Is Data Mining?

Data mining is a process used by companies to turn raw data into useful information. By using software to look for patterns in large batches of data, businesses can learn more about their customers to develop more effective marketing strategies, increase sales and decrease costs. Data mining depends on effective data collection, warehousing, and computer processing.

Data mining processes are used to build machine learning models that power applications including search engine technology and website recommendation programs.

How Data Mining Works

Data mining involves exploring and analyzing large blocks of information to glean meaningful patterns and trends. It can be used in a variety of ways, such as database marketing, credit risk management, fraud detection, spam Email filtering, or even to discern the sentiment or opinion of users.

The data mining process breaks down into five steps. First, organizations collect data and load it into their

Read More

Riverside School District works to add web connections

Elroy Mariano

Officials in the largely rural Riverside School District north of Spokane are exploring a wide variety of options to get high speed internet access for their students, including recruiting parent volunteers to staff community sites where students could go to complete their online schoolwork.

“It’s just one strategy of many,” said Riverside Superintendent Ken Russell. “It’s not final. We’re still working on it.”

Several churches and other locations, including the Veterans of Foreign Wars post in Elk, have called the school district to offer their buildings and internet access to small groups of students. Russell said the district is still figuring out if such sites will be necessary.

“We’re using our school district first,” he said. “You can’t just have a walk-in environment. It has to be scheduled.”

Parents interested in volunteering to be an internet site supervisor can send an email to staci.schneider@rsdmail.org. A background check is required.

Russell

Read More

Woman praises ultimate $12 Kmart gadget

Elroy Mariano



a person standing in front of a mirror posing for the camera: MailOnline logo


© Provided by Daily Mail
MailOnline logo

A set of $12 LED lights from Kmart is the new must-have home decor gadget shoppers are racing to get their hands on this month.  

A fashion-loving fan of the store, Mary, bought four of the battery-operated light strips for her wardrobe and posted videos showing them automatically turning on when her doors are opened.  

Mary said the budget product has a 13-hour battery life and turn off after 30 seconds if no motion is detected.  

Scroll down for video 



a person standing in front of a mirror posing for the camera: Thousands of shoppers have praised a woman online for sharing how she used a $12 set of LED lights from Kmart to brighten inside her dark cupboard


© Provided by Daily Mail
Thousands of shoppers have praised a woman online for sharing how she used a $12 set of LED lights from Kmart to brighten inside her dark cupboard



a person standing in front of a mirror posing for the camera: Mary bought four of the battery-operated light strips which automatically turn on when the closet doors are opened


© Provided by Daily Mail
Mary bought four of the battery-operated light strips which automatically turn on when the closet doors are opened

‘So I bought these, Kmart for the win!’

Read More