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Andrew Latham

Andrew is the Content Director for SuperMoney, a Certified Financial Planner®, and a Certified Personal Finance Counselor. He loves to geek out on financial data and translate it into actionable insights everyone can understand. His work is often cited by major publications and institutions, such as Forbes, U.S. News, Fox Business, SFGate, Realtor, Deloitte, and Business Insider.

articles from Andrew

1346 posts

Discover vs LightStream: Which Personal Loan Lender Should You Choose

Published 09/18/2025 by Andrew Latham

Deciding between Discover and LightStream for a personal loan? Both are trusted lenders, but they appeal to different types of borrowers. Keep reading to find out which one could be the better fit for your financial goals.

Torn between Discover and LendingClub for your next personal loan? Both lenders are popular, but they serve different borrower needs. Keep reading to see how they compare on amounts, terms, and fees—and which one might be the smarter fit for you.

If you’ve built equity in your home, you don’t always have to take out a loan to access it. Home equity agreements offer an alternative to conventional loans as a way to unlock cash. Two providers offering this solution are Aspire and EquityChoice. Both deliver a lump-sum payment in exchange for a share of your home’s future value — but which one should you choose?

Need cash but don’t want another loan? Home equity agreements could be the answer. Unison and EquityChoice are two providers that offer homeowners upfront funding in exchange for a share of future appreciation. Each takes a different approach — so which one fits your needs?

Splitero vs EquityChoice: How Do They Compare in 2026?

Published 09/18/2025 by Andrew Latham

If you’ve built equity in your home, there are ways to put it to work without adding debt. Companies like Splitero and EquityChoice offer home equity agreements that trade upfront cash for a share of your property’s future appreciation. But which program is the right fit for you?

If you want to tap into your home equity without taking on a traditional loan, two providers you may be considering are Unlock and EquityChoice. Both offer home equity agreements, giving you cash upfront in exchange for a share of your home’s future appreciation. But how do they compare?

If you’re a homeowner interested in unlocking your home equity without taking on debt, you’ve likely come across home equity investment. Two companies offering this solution are Hometap and EquityChoice. Both provide cash upfront in exchange for a share of your home’s future appreciation — but how do they stack up against each other?

Quick answer: Most IRS audits don’t require a tax attorney—simple correspondence audits can be handled with good records or a CPA. But if fraud, large balances, or criminal exposure is possible, a tax attorney provides legal privilege and defense. Consider professional help if you face a CP504 notice, field audit, or referral to IRS Criminal Investigation.

Quick answer: After an IRS audit, your case ends as no change (return accepted), agreed changes (you owe or get a refund), or disagreed changes (you appeal). If you owe money, expect a balance-due sequence—starting with CP14, then CP501, CP503, and CP504—and consider an Installment Agreement, Offer in Compromise, or Penalty Abatement.

Quick answer: The IRS uses three main audit types: correspondence audits (by mail), office audits (in-person at an IRS office), and field audits (at your home or business). Most taxpayers only face correspondence audits, which request proof of income or deductions. More complex cases may escalate to office or field audits.

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