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Erin Gobler

Erin Gobler is a Wisconsin-based personal finance writer with experience writing about mortgages, investing, taxes, personal loans, and insurance. Her work has been published in major outlets, such as SuperMoney, Fox Business, and

articles from Erin

61 posts

VTSAX vs. VFIAX: Comparison, Pros & Cons

Published 01/23/2023 by Erin Gobler

VFIAX and VTSAX are two of the most popular index funds on the market. One tracks the S&P 500, while the other tracks the performance of the entire U.S. stock market. The two have a lot in common, including their holdings and long-term performance, but they also have a few differences that are important to keep in mind.

Both the trust and its beneficiaries can be subject to taxes on the trust’s income. Who pays the taxes depends on the type of trust and the type of funds that are distributed.

You can claim your girlfriend or boyfriend as a dependent if they qualify under the “member of household” test. This means you live with them and provide more than half their financial support, they aren’t claimed on someone else’s taxes, and they have less than $4,300 of income.

When Does Capital One Report to Credit Bureaus?

Published 08/29/2022 by Erin Gobler

Capital One usually reports to the credit bureaus once per billing cycle, within a few days after your credit card’s statement closing date. So it’s important to ensure your balance on that date is relatively low compared to your credit limit. If you have been waiting until your bill’s due date to pay down your balance, you might want to pay it before the closing date instead.

Are Dividends Considered an Expense?

Published 07/30/2022 by Erin Gobler

Dividends aren’t considered an expense for accounting purposes. Instead, companies subtract them from the equity section of their balance sheet.

Can the IRS Take Your House?

Published 07/25/2022 by Erin Gobler

The IRS can technically take your house to collect delinquent tax debts but is unlikely to do so. However, there are other types of property the IRS is more likely to seize.

4 Alternatives to Discover Auto Loans

Published 07/25/2022 by Erin Gobler

Discover doesn’t offer auto loans, but there are plenty of alternatives to consider, including other auto lenders, a Discover personal loan, or borrowing against your home equity.

Refinancing your mortgage after a forbearance can be a way to lower your monthly payments. But refinancing isn’t right for everyone, and you’ll have to meet certain requirements before you are eligible.

Why Is Car Insurance So Expensive?

Published 07/21/2022 by Erin Gobler

Your car insurance could be expensive for a variety of reasons, including your location, driving record, demographics, and more.

When Do Hotels Charge Your Credit Card?

Published 07/15/2022 by Erin Gobler

When a hotel charges your credit card depends on the property, its policies, and the platform where you book the room. Most hotels require payment at the time of check-out if you booked directly through its website or made a hotel reservation online. However, an upfront payment may sometimes be required.

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