140 Reasons the IRS can charge you a penalty. Last year, the IRS collected more than $3.4 trillion from taxpayers. Part of that total consisted of more than $11 billion in penalties on individual, trust, and estate income tax returns. [Source] The $11 billion didn’t include penalties on early distributions to IRAs. In fact, there […]
Average loan origination fees by loan type Mortgages 0.5% – 1%. Auto loans 0% – 2%. Student loans 0% – 4%. Personal loans 1% – 6%. Small business loans 1% – 6%. Interest rates are often the first thing people look at when applying for a loan. And while it’s important to know how much you’ll pay in interest, there’s […]
If your home is involved in a flood, you may find comfort in having homeowners insurance. But don’t lull yourself into a false sense of security. Insurance and risk management expert, Matthew Struck, says, “Standard insurance doesn’t cover flood damage at all. Many homeowners are stunned to discover this fact when their homes are flooded.” Struck adds, […]
Looking to spruce up your digs with a little remodeling? You’re part of a growing trend. If you’re planning on taking out a loan to help fund a home improvement project, you’ll be happy to know that you may also be able to score some tax savings. In certain situations, home improvement loans are tax […]
Looking for a shortcut to paying off your student loans? (Who isn’t, right?) Achieving that goal starts with reducing your interest rate. That being so, you’ll want to consider credit union student loan refinancing. It may be one of your best options if you want to lower your monthly payment. Devin Hughes is director of […]
If you’re considering a private student loan to finance your education, check out credit union student loans. Unlike traditional banks, credit unions are nonprofit organizations, which could mean a lower interest rate for you. According to financial aid expert Carol Stack, co-author of The Financial Aid Handbook: Getting the Education You Want for the Price […]
Interested in starting a personal business in addition to your day job? It’s easier than ever before to work full time and get a 1099. 7.5 million The number of people who held multiple jobs as of November 2017 (Source: Bureau of Labor Statistics). For many people, working a side hustle job is a way […]
If you’ve been watching the rise in the value of cryptocurrency, you may want to get in on the action. Or perhaps you already bought Bitcoin, or another digital currency, and want some more. Either way, if you don’t have enough cash to buy cryptocurrency right now, it’s possible to purchase digital currency with a […]
The votes are in, and we have a new tax system. The sweeping $1.5 trillion 2018 tax reform spearheaded by the Trump Administration changed taxes dramatically for the first time in three decades. The aim of the Tax Cuts and Jobs Act is to provide individuals and families of various income levels “broad tax relief.” […]
If you want to reduce your monthly car payment and pay less interest, OpenRoad Lending may steer you in the right direction. The company specializes in auto loans and has helped tens of thousands of car owners save an average of $100 per month. $100 Average saving on monthly payments with an OpenRoad Lending refinance […]
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