If you’re looking for home loans or already have an existing mortgage, you’ve probably heard the term PMI tossed around among all of the financial wording hidden within your paperwork. PMI, or Private Mortgage Insurance, is an additional charge that some homeowners may have to pay each month in addition to their principal, interest, and escrow. But what is PMI and how does it work? Does it help or hurt the homeowner?…
Read More »If you’re trying to sell your silver for cash, you need to make sure that it is valuable. Sometimes it is hard to do because the silver could’ve been given to you as a gift. You may have also inherited this silver so you may not know if it’s valuable. Here are a few ways to tell if your silver is Sterling silver. Markings Probably the easiest way to find out if your silver is Sterling is to check the markings on it.…
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 »You don’t have to jump through hoops and fill out tons of paperwork to get cash when you are in a bind. There are cash loans you can take out, regardless of your credit, as long as you are working or you have money coming in. These loans can sometimes be put in your account in less than 24 hours after applying. If you are responsible with paying back the cash lender on time, you won’t have any problems with the cash loan.…
Read More »Saving money on your taxes can be a challenge if you don’t give it any thought until tax season arrives, so it’s important that you set aside some time for tax preparation. With just a bit of research regarding the ways to lower the cost of your taxes, you could be enjoying a higher tax return each year. The following five tips can all make a big difference in how much you owe for taxes per year.…
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.…
Read More »Your teenager’s first paycheck is a cause for celebration. They’ve found a job, worked hard for their money, and are finally holding the reward in their hands—but what do they do with it now? Most banks are making it difficultto cash third party checks, meaning your teen can’t just sign it over to you, and check cashing stores can charge from 1%–3%of the check’s value for the privilege of giving your child their own money.…
Read More »