An individual’s credit score is often the key to obtaining loans, mortgages, and other sources of funds. It matters not only because it makes it possible to gain credit approval, but also because it is used to determine the borrower’s interest rate, credit limit, and other credit terms. Many are familiar with this number, but […]
If your family is anything like the majority of American families, you likely carry around multiple pieces of plastic; small, rectangular pieces of plastic with numbers and other coding that allow you, the consumer, to purchase most anything at will simply by swiping the plastic through a reader. And, like most other American families, you […]
Senior citizens are frequently faced with difficult financial decisions. Often forced to survive on a fixed income, older citizens have limited financial resources and may end up in a financial bind when an unexpected medical expense or other debt rears its ugly head. Some citizens may have already tapped out their retirement income and feel […]
Everyone wants to avoid paying taxes. It is a universal desire and hundreds of books have been written and seminars given on the subject of tax reduction. Some strategies are complicated while others are simplistic and a good example of the latter is charitable donations. Many taxpayers take advantage of this strategy, but are all […]
Retirement planning is often postponed and there are many reasons why individuals and families tend to avoid this important aspect of personal finance. One is that, since retirement is something we do toward the end of our lives, it seems less important than more immediate needs. Another reason is the government institution of Social Security. […]
Did your New Years’ resolutions include improving your family’s financial condition? If they did, there is a good chance that one of those promises was to reduce your overall debt burden. And while debt reduction is certainly a worthwhile goal, many are unsure how they should approach the problem. Does it make more sense to […]
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Capital gains taxes and dividends taxes will not likely disappear anytime soon, but there is some good news for 2011.
A new year is upon us and with a new year comes changes in the federal tax law. With the extension of the Bush- era tax cuts and other tax updates, taxpayers need to prepare for the New Year by making any necessary withholding adjustments to ensure taxes are covered for the 2011 calendar year. […]