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Finding the right gift for a college graduate can be tough. It’s nearly impossible to pick out the latest gadget—let alone the latest fashions—and just cash may strike you as too impersonal. So what can you give a young person, just starting out, that would be useful and meaningful? #personalfinance

When seniors default on federal student loans, their Social Security benefits can be docked to repay the debt. As much as 15 percent of your benefit payment can be withheld. If there is a silver lining, it’s this: Your Social Security benefits can’t be dunned for defaulting on private student loans. But the lender can still take you to court to try to collect the amount due. #personalfinance

You know you need to save for retirement, but so many other things are getting in the way — kids, a mortgage, the vacations to take to stay sane. #personal finance

As you may know, Congress passed some major tax legislation at the end of last year. Actually, it turns out that 26 percent of Americans don’t know this, and about half haven’t heard that income-tax brackets are changing. #personalfinance

How the Republican’s bankrupted America. #personalfinance

Many consumers could benefit from some simple changes in their behavior and finances. #personalfinance

Most states take a scattershot approach to teaching personal finance concepts to high school students #personalfinance

So for you on-time folks, take note, the IRS says the official start of the 2018 tax season is Jan. 29. But if you’re a procrastinator, you have until two extra days to file. Returns aren’t due until April 17. #personalfinance

Just stop doing these five financial things and you’ll have more savings, smarter spending habits and a secure identity in the next year. #personalfinance