Nearly everyone is required to have auto insurance. In most states it is against the law to own, or drive a car without it. This is why it is important to calculate your auto insurance into your monthly budget as a regular expense. However, that doesn’t mean that you have to spend lots of money on your insurance. In fact, there are many different ways that you can save money on auto insurance.…
Read More »If you are one of the many Americans whose credit score was damaged by the recent recession, you may have had little choice but to finance your vehicle at a high-interest rate. Fortunately, there are options to help you afford the car that you need, even if your credit score is not yet as high as you would prefer. Understand What Information Interest Rates Are Based On The interest rate that a lender charges will be based on several factors, not just your credit score.…
Read More »The Affordable Care Act or Obamacare has been controversial ever since it was passed. Many people praised it for attempting to lower the price of health insurance, while others condemned it for forcing people to get health insurance or pay fines. Critics of the law, and those struggling to find insurance, may be unaware of its exemptions. Understanding healthcare exemptions may help you avoid tough Obamacare fines. Healthcare Exemption Definition…
Read More »Congratulations on the purchase of your first home. No more paying rent and now you get to build equity and invest in your future. However, home owning is more expensive than you might realize. You also have more monthly bills. Sewer, water, trash, mandatory homeowner’s insurance, and yearly property taxes are all part of owning a home. However, here are some basic tips to help you keep from losing your dream home.…
Read More »If there’s a problem with the federal income tax return you file, the Internal Revenue Service (IRS) will mail you a notice explaining the trouble. While it can be unnerving to receive a letter from the IRS, it’s usually not a major reason for alarm. Most issues are resolved easily by mail. But depending on the problem, in some cases, you may need to call or visit an IRS office.…
Read More »If you own any shares in a corporation (and if you’re a stockholder, you do), you should know that ownership isn’t just about (hopefully) collecting a profit over time. Rather, all shareholders enjoy partial ownership of the company in question – a responsibility that comes with a number of additional rights and benefits. And although the specifics will vary depending on the organization, there are a number of rights that can generally be considered standard:…
Read More »The initial holding cell that your family member has been placed in, after being arrested, is more pleasant than the facility that your family member will eventually be sent to. If you would like your family member to not experience this, you will need to bail him or her out of jail. Find Collateral When you get a bail bondsman, you must put up collateral that will be used to pay for the bond in the event that your family member fails to show up for court.…
Read More »Shopping around for a loan for a new car or home can be extremely time-consuming, especially when you consider how many options are available to you. Credit unions are often overlooked by people shopping around for a loan, which can be a mistake. Two reasons to consider a credit union for your next loan are lower rates and approval requirements. Lower Rates One of the most important factors for new home or auto loan is the interest rate.…
Read More »There are a number of tax programs online that will help you do your personal income taxes by simply entering a bit of data. Unless you have inherited a large sum of money, bought or sold significant real estate or have a lot of income from the stock market, using one of these programs can save you time and money. However, if you own a business, even a small one without any employees, it is a good idea to have a professional do your taxes.…
Read More »Each individual state has its own way of calculating child support payments, but one thing is consistent; your salary has a direct effect on your child support obligation. The total income of the custodial parent is usually included in child support calculations, but not everyone goes by the book. In order to recalculate and even reduce your child support obligation, there are four really easy things you can do to make a big difference.…
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