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Sammi Toner

articles from Sammi

11 posts

90 Days Same as Cash: Not Always a Great Deal

Published 10/20/2022 by Sammi Toner

“90 days same as cash” is basically another phrase for no-interest financing where a store allows you to make interest-free payments for three months. While this can be a convenient way to pay for purchases over time, it can also put you in a pile of debt and financial trouble if you don’t think it through Here’s what you need to know.

Can I Buy My Dog A Seat On An Airplane?

Published 08/10/2022 by Sammi Toner

In most cases, you cannot buy your dog a seat on an airplane. That being said, some airlines may allow you to “purchase an airline seat,” but your dog can’t actually sit on the seat. Unfortunately, this exception primarily only applies to fully-trained service dogs.

What Does Life Insurance Cover?

Published 06/09/2022 by Sammi Toner

Life insurance covers both accidental and natural death. The beneficiaries can then use the death benefit to pay bills, debts, or even college tuition. However, many policies will not pay a death benefit if the policyholder died while committing a felony or insurance fraud.

How To Make a Will: A Step-by-Step Guide

Published 05/25/2022 by Sammi Toner

Before writing your will, decide the type of will you need. After that, choose a beneficiary, an executor, and a guardian (if you have children). Finally, sign your will and keep it stored somewhere safe and inform your loved ones where the document is.

Car repossession occurs when a borrower stops making loan payments and the lender removes the vehicle from the borrower’s property and possession. A repossession remains on a credit report for seven years and negatively impacts your score. However, it is possible to rebuild your credit score after a repossession.

How to Void a Check

Published 01/10/2022 by Sammi Toner

A void check means the check no longer holds any monetary value, which is helpful when setting up a direct deposit or an automatic payment. Checks may seem like something from the past, but there are still several reasons why you may need to know how to void a check. Knowing how to cancel a check may even save you a lot of trouble one day.

Do Amended Tax Returns Trigger Tax Audits?

Published 01/10/2022 by Sammi Toner

Amended tax returns aren’t an automatic red flag for IRS auditors. But, do amended tax returns trigger tax audits? It depends on what you include in the amended tax return. However, it’s common for people to make mistakes when submitting their taxes, and provided you don’t submit intentionally false information, an amendment won’t automatically result in an audit. To file an amendment, fill out form 1040-X and either e-file or file the form through the mail.

How To Get Custom Debit Cards

Published 11/16/2021 by Sammi Toner

Custom debit and credit cards are fun and easy to get. Many financial institutions offer customization options for free (for those who hold accounts with them) or for a small fee. You can also visit a third party’s site and customize by submitting your own image or choosing from other pre-selected designs.

Where Is The Security Code On A Debit Card

Published 08/30/2021 by Sammi Toner

Your debit card security code verifies your identity and ownership over the card online and over the phone. This code is printed on the back of the card near the signature panel for Mastercard and Visa debit cards or printed on the front for American Express cardholders.

Tax Penalty Waiver Letter Sample

Published 08/25/2021 by Sammi Toner

A penalty abatement letter outlines to the Internal Revenue Service (IRS) why you missed the due date for your tax filing or payment and provides you a chance to request penalty relief. By proving you have a reasonable cause for your late filing—such as a medical emergency—with supporting documents, like a doctor’s note or photograph, you may receive financial forgiveness or relief from the IRS.

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