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Even if you can't max out your contribution, you should try to invest up to your company's match limit. While 401(k)s have great utility, they come with a few downsides.Any withdrawals made before age 59 1/2 are assessed a 10 percent penalty fee, in addition to being taxed as regular income during the year they are withdrawn.

Last of all, you should request a letter from the not-for-profit for donations greater than $250.

The not-for-profit is not required to list the amount you can claim for the deduction, rather information about the number of shares.

Provide this information to your investment advisor and direct them to make a donation to the not-for-profit of the long-term appreciated stock.

Your advisor will ultimately need to get the proper ‘wire’ instructions from the not-for-profit broker/advisor to transfer the stock to the not-for-profit.

A new job requires you to fill out a new Form W-4, which directs your employer how much to withhold from each paycheck.

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