An HSA and high deductible plan are individuals and can be one in the same. They are also very hot topics in a very tumultuous healthcare market. The Obamacare law has driven up premiums and put many states with one provider. How do you choose which plan is right for you? The HSA and high
Can you file for an extension on taxes? Let’s start with why you would want to file for an extension. The federal government and the IRS have set April 15th as the filing deadline. Some years it is later than the 15th depending on that which day the deadline falls. Also, Emancipation Day (April 16th)
A federal ban on salary history requests may be soon to come after the move in Massachusetts. They are the first state to eliminate a salary history request being submitted by employers across all sectors of business. A salary history request is when a hiring manager or HR department asks applicants what they have been
If you are thinking about continuing your education you might have many questions. One big question is how you can make your current work schedule and a class schedule function while still having time for family commitments? That thought can lead you to explore taking online courses but then you begin to wonder, is an
There are not very many people who would not be interested in finding several ways to save some money. The recent economic challenges have made money tight for many consumers and saving a little money is a great way to be able to pay down debt or increase savings or an emergency fund. But another
When you decide that you are ready to make a change in your finances, you can quickly realize that you know that you have an issue but you might not know how to fix it or where to turn for the information that you need. But making the decision to do something is the hardest
If you are searching for easy ways to save some money then you should check out some car refinancing tips. If you purchased your car when interest rates were high or when your credit score was not very good the there is a strong possibility that you could refinance at a better rate and save
One of the very hot topics in the news today is global warming. Studies are reporting new issues and damage to the planet on almost a weekly basis. There are long term implications for personal health and well-being as well as the survival of the planet itself.
When you are deciding how to invest your money, there are many different options to learn about. And as with any investment, you are wise to take the time to do some research and determine which strategy is the best match for your investment goals and budget. In many cases, the amount of money that
If you are considering an ecommerce store then you have certainly looked into the amazon fba program. That is the fulfillment by amazon program in which seller’s ship bulk items to amazon centers so that the items are eligible for PRIME shipping and Super-Saver Shipping. This is how amazon can offer so many items to
If you are like most consumers, every so often you like to take a look at your finances and all of your accounts to get a bird’s eye view of where you are with your debt and your savings. This could be after a raise or when you are preparing to file your taxes or
When you are ready to buy a new car it could be tempting to take your current vehicle to the dealership and just trade it in, but you know that you are not going to get the full retail value for your car. But you really want that new model so you try to justify
Owning a rental property as investments is becoming a very popular side gig or second income for many Americans. Last year the investment home market increased by 7% and many of those buyers were new to the business. Some of this increased interest can be attributed to television shows depicting rental income properties as a
New businesses or startups don’t really have any credit history so that makes getting a conventional loan almost impossible. And the other way for a fledgling company to raise money is through equity or selling shares of the business. But that is very difficult when there is no real way to place a value on
A mortgage where the interest rate changes can be called an adjusted rate mortgage or ARM, a variable rate mortgage or a tracker mortgage but they are all essentially the same type of mortgage. Variable home loan rates are what makes all of these different than a fix rate mortgage.
Almost everyone has heard the term installment loan but not as many people really know what an installment loan is and why so many consumers find them useful. With an installment loan you borrow the money that you need, for whatever reason for the most part, and then you pay it back to the lender
A consumer durable loan is a loan that is used to purchase commodities such as laptops, smartphones, and household appliances. These loans are very easy to get and are a good way to make a larger purchase without having to strap yourself for cash.
A personal guarantee is a signed agreement with a lender that you are willing to use your personal assets to repay a loan. It is not quite the same as collateral as you are not listing specific items but you are agreeing to be personally responsible for the loan if your business fails to make