Finance

What Are the Benefits of Filing Your Taxes Early?

Each year, tax season looms large. Everyone has to prepare a tax return and file it with the IRS by mid-April – and most people put this off until right before the deadline. Why file early when there’s no reason to do so? Well, it turns out filing your taxes earlier rather than later can…
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What Changes Are Coming to FICO Credit Scores?

Your credit score is the key to your financial well-being. It’s the number that determines whether or not you’re eligible for new loans, a mortgage, new credit cards, or even special low interest rates. And for the first time in years, a big change is coming to your credit score. In January 2020, FICO announced…
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Can Life Insurance Be Used to Get Cash?

Most people think life insurance is for your loved ones. Life insurance offers financial care and protection in the event of your death – and it can help cover all kinds of expenses during one of the most stressful experiences for survivors and dependents. But few people realize that life insurance can actually offer so…
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What Do I Need to File Back Taxes?

If you are required to file and pay taxes but fail to do so, the IRS can file a return for you and charge you with expensive penalties and interest. Even if you can’t pay all your taxes, you should still file and pay as much as you can. This will prevent the IRS from…
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What Savings Accounts Are Offering the Best Signup Bonuses?

What has your savings account done for you? If you’ve had the same savings account for years, it likely hasn’t done much – aside from earn you a tiny bit of interest. But what most people don’t realize is that switching banks or opening a new savings account could earn you significantly more money thanks…
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What Should I Know Before Refinancing My Mortgage?

Buying a home is a huge expense – in fact, it’s likely the biggest and most expensive purchase you’ll ever make. And when you take out a mortgage, you take on a loan that lasts decades. But fortunately, if you’ve taken on a mortgage that doesn’t work for you, you can change it. Mortgages are…
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What Are the Best Ways to Reduce Student Loan Debt?

After you graduate from college, graduate school, or another education program, you have so many opportunities in front of you. But there’s likely something that’s weighing you down: student loans.  Today, Americans are facing more student loan debt than ever before, with the average student graduating with approximately $29,800 in loans. And nearly 70 percent…
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Which Credit Cards Are Best for People With Bad Credit?

When you have bad credit, your options are limited. It’s tough to apply for any kind of credit, and every rejection can make your credit score fall even more. And it’s nearly impossible to qualify for a credit card, which can lead to other potential financial problems. If your credit score isn’t in great shape,…
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Can Debt Consolidation Loans Help Eliminate Your Debt?

Most people would agree that getting out of debt is a lot harder than getting into it. However, it is possible to save money and pay off your debts quicker by taking advantage of a debt consolidation loan. Such loans often come with a lower interest rate, plus you will only have one payment to…
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