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It explains how changes in the federal funds rate can affect personal finances through loans, credit cards, and savings, and offers practical guidance on responding to rate moves. It also includes four tax-season filing tips: e-filing to save time and money, installment agreements, filing extensions, and making adjustments to improve next year’s return.",{"@graph":63,"@context":118},[64,80,101],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,71,74,77],{"item":68,"name":69,"@type":70,"position":9},"https://docshare.wps.com","Home","ListItem",{"item":72,"name":10,"@type":70,"position":73},"https://docshare.wps.com/template/",2,{"item":75,"name":51,"@type":70,"position":76},"https://docshare.wps.com/template/general/",3,{"item":78,"name":59,"@type":70,"position":79},"https://docshare.wps.com/template/keyhr-newsletter-issue-21-march-2020/301675/",4,{"url":78,"name":59,"@type":81,"image":82,"author":87,"headline":59,"publisher":90,"fileFormat":93,"inLanguage":57,"description":61,"dateModified":94,"datePublished":95,"encodingFormat":93,"isAccessibleForFree":96,"interactionStatistic":97},"DigitalDocument",{"url":83,"@type":84,"width":85,"height":86},"https://docshare.wps.com/thumbnails/keyhr-newsletter-issue-21-march-2020/301675.png","ImageObject",442,249,{"name":88,"@type":89},"Jordan Avery","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/pdf","2026-09-24","2026-09-19",true,{"@type":98,"interactionType":99,"userInteractionCount":76},"InteractionCounter",{"@type":100},"ViewAction",{"@type":102,"mainEntity":103},"FAQPage",[104,110,114],{"name":105,"@type":106,"acceptedAnswer":107},"How can changes in the federal funds rate affect personal finances?","Question",{"text":108,"@type":109},"Federal Reserve rate changes can pass through the financial system, influencing what you pay on loans and credit cards and what you may earn from savings or investment portfolios.","Answer",{"name":111,"@type":106,"acceptedAnswer":112},"What guidance is recommended when interest rates change?",{"text":113,"@type":109},"Allow time for rate changes to take effect, recognize that not all rates change equally, and consider rebalancing investment options to align with long-term goals.",{"name":115,"@type":106,"acceptedAnswer":116},"What are the four tax-season filing tips included in the newsletter?",{"text":117,"@type":109},"File electronically to save time and money, apply for installment payment agreements if you owe, file an extension if you can’t meet the deadline, and make changes after filing to improve next year’s return.","https://schema.org",{"og:url":78,"og:type":120,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":122,"canonical":78},"index,follow",{"doc_id":124,"site_id":56},301675,1789784565,{"code":4,"msg":5,"data":127},{"doc_id":124,"user_id":128,"nickname":88,"user_avatar":129,"doc_module":9,"category_id":50,"category_name":51,"doc_title":59,"doc_description":61,"doc_content":130,"file_id":131,"file_url":132,"file_type":133,"file_size":134,"view_count":73,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":79,"language":135,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":136,"faqs":137,"seo_title":138,"seo_description":61,"update_tm":125,"read_time":73},1099523882367,"https://ap-avatar.wpscdn.com/davatar_9964176cb1d06d4a9deccf72a44ae3dc","We ARE The Key to Your Success!  \nISSUE NO . 21 | MA RCH . 2020  \n\n| \u003Cbr>\u003Cbr>KEY CHANNEL PARTNER OF THE MONTH\u003Cbr>PAYROLL |  | KeyHR is the KEY to Your Success\u003Cbr>How successful could you be if you could focus on what you do best? It’s a question worth asking. And we not only HAVE the answer... WeARE the Key!\u003Cbr>KeyHR is aligned with preferred provider companies to offer new and innovative ways to meet out clients’ payroll, employee leasing, benefits and insurance needs.\u003Cbr>Our relationship with these companies helps business owners reduce costs, save time, |\n| --- | --- | --- |\n| \u003Cbr>The Ups & Downs of Interest Rates: How\u003Cbr>Rate Moves May Affect Your Money INTEREST RATES & YOUR MONEY When the Federal Reserve changes the federal funds rate, the effects move through the financial system. This can trickle into areas of your own personal finances, impacting how much interest you pay on loans or credit card rates, and how much interest you receive from savings accounts or earnings in investment portfolios.\u003Cbr>“One of the main places that people will feel the effects of the Fed changing interest rates is in car loans,” says Stanley Poorman, CFP®, a financial professional with Principal®.“Most people need a car, but can’t pay cash to buy one, so they takeout a loan. And since car loans are typically for 5 years or less, they’re influenced by the prime rate.” As interest rates go up, the money you borrow for a car or other type of loan becomes more expensive because of the extra interest you have to pay.“If you’re trying to factor a car payment into your budget,” Poorman says,“higher rates tend to mean you’ll be able to afford less car than if rates were lower.” When rates go down, the opposite is true, and your money may go a bit further. But Poorman suggests being careful about overextending yourself financially even when rates are low.“Don’t just consider interest rates when making financial decisions,” Poorman says.“It can be easy to take on too much debt just because a low interest rate makes it look affordable.”Poorman has some other suggestions about interest rates and your finances.\u003Cbr>• Rate changes typically take time to make a large impact on your wallet. If you hear the Fed is changing rates, don’t react immediately.\u003Cbr>• Even if the Fed is changing interest rates, not all rates are affected equally. Longer-term interest rates—like fixed-rate mortgages—are less affected by changes to the federal funds rate and more affected by the overall U.S. economy.\u003Cbr>• Creating a balanced mix of investment options in your portfolio may help you minimize any impacts when markets react negatively to news of rate changes.\u003Cbr>| •\u003Cbr>•\u003Cbr>• | optimize their workforce, increase revenue and minimize risk. If your company needs to save money, address compliance issues, improve efficiencies and increase productivity, we have the solutions.\u003Cbr>If your company needs to save money, address compliance issues, improve efficiencies and increase productivity, we have the solutionsand the key to your success.\u003Cbr>Trust Key HR to provide you with...\u003Cbr>• Access to more service providers than anyother business of our kind\u003Cbr>• Specialists in every area of Human Resources\u003Cbr>• Solutions for companies at all stages of development – from startups to fully mature\u003Cbr>• A firm commitment to stay current on the laws that affect your industry and business\u003Cbr>• Savings from 20 to 40 percent off your bottom line\u003Cbr>It could be one of the smartest business decisions you ever make! |\n|  |  | When interest rates increase, it may mean more money back for you through traditional savings options. Interest rate changes can affect performance of your investment options over time. Rebalancing your investment options regularly may help keep them inline with your long-term goals.\u003Cbr>Keep tabs on any variable interest payments you have, such as credit cards or adjustable-rate mortgages. As rates move around, those payments may, too.\u003Cbr>[principal.com](principal.com) |\n\n01  \n","cbCaioIb8EVbA5iO","https://ap.wps.com/l/cbCaioIb8EVbA5iO","pdf",1491839,"English","# KeyHR newsletter Issue No. 21 (March 2020)\n## Key Channel Partner of the Month (Payroll)\n## The Ups & Downs of Interest Rates: How Rate Moves May Affect Your Money\n## 4 Tax-Season Filing Tips\n## 1. Save Time and Money by Filing Electronically\n## 2. Apply for Installment Payment Agreements\n## 3. File an Extension\n## 4. Make Changes to Maximize Next Year’s Return","[{\"question\":\"How can changes in the federal funds rate affect personal finances?\",\"answer\":\"Federal Reserve rate changes can pass through the financial system, influencing what you pay on loans and credit cards and what you may earn from savings or investment portfolios.\"},{\"question\":\"What guidance is recommended when interest rates change?\",\"answer\":\"Allow time for rate changes to take effect, recognize that not all rates change equally, and consider rebalancing investment options to align with long-term goals.\"},{\"question\":\"What are the four tax-season filing tips included in the newsletter?\",\"answer\":\"File electronically to save time and money, apply for installment payment agreements if you owe, file an extension if you can’t meet the deadline, and make changes after filing to improve next year’s return.\"}]","KEYHR newsletter - Issue 21 - March 2020 | PDF"]