The Earned Income Tax Credit (EITC) is a refundable federal tax credit. It is designed to help low and moderate-income individuals and families keep more of what they earn. Claiming a qualifying child can increase your EITC. The 4 criteria that must be passed for a qualifying child include relationship, age, residence, and joint return.
We often hear legal professionals lecture us on getting our wills organised. This article will address what happens if you fail to get your will in place.
The senior who makes a plan remains in charge. Without planning and preparation, options may be limited, creating frustration for families and service providers.
Ready to design your own personal financial plan? Here are the tools professional financial planners use to create a personal financial plan.
Forget government-issued specie and online cryptocurrency. The ultimate monetary unit is finally here and it’s easily available to all—Libertarian ChocoChange!
Learn about how the CD ladder investment strategy works (also known as CD laddering). This article explains how to implement CD laddering and when it makes sense to use it as an investment strategy.
Checking the free government website really worked for me! I got $100 in free money from the state treasurer's office by filling out a simple form. Read here on where to look and how to find out if you have money waiting to be claimed.
Utilities include: gas, water, sewer, electric, and heat. These utilities will go on form 8829 as they are deductions through the business use of the home. When you are filing for a business use of home, there is a space to place your utilities....
This article will raise your spirits from those depressing low interest money funds. Stock options will open your eyes to an ingenious program that will make you giddy with extraordinary rates.
When subject to market conditions, that subjective view can negatively affect decision-making because it’s based on feelings rather than preplanned strategies. Trading decisions are better when remaining objective.
This article walks you through how to connect a brokerage account to your Yahoo Finance account on a mobile device, and how to remove a connected brokerage account from your Yahoo Finance account.
Micro investing involves saving very small amounts of money regularly. This article explains the easy way you can invest your loose change.
With all the talk in the media about Bitcoin and cryptocurrencies, many people are wondering just what these new computer traded currencies are. Develop an understanding of cryptocurrencies.
The 4% Rule is a guideline to help retirees determine how much they can safely withdraw from their nest egg each year. Before examining how the "4% Rule" applies to early retirement, let's look at the more traditional concept of retirement.
Planning your monthly finances is the best way to ensure you'll never miss a bill, and you'll always have money to spend on the things that really matter to you.
Investment advisors say a new Labor Department rule expanding the rights of their customers to sue them could severely hurt their business.
Is a 15-year mortgage ever a good idea? This article explains how this financial move can help you build equity faster and pay off your home early.
How to easily calculate mortgage or loan amortization with online tools. How to get free printable amortization schedule?
There is a better way to increase your stock market investment returns. Use the financial world's greatest investment tool to boost your stock ROI.
I never thought I would ever be thankful that I had student loans. Then I started paying them off and that was a better education that the schooling they had payed for.
This article shows how I met the challenge of proving that Options can replace stocks as better investments. The options trading system I used outperformed stock investments.
Each currency pair has its own special unique relationship which means you need to take account of subtle differences when trading the pair. Some factors that make this pair move.
As a mortgage broker, people often ask me "should I refinance my mortgage?" Mortgage refinance rates are only part of the story. You need to know your plans, the cost of the loan, and the new rate.
With a simple weekly deposit plan using one of three options, you can save over $1,000, $1,378 to be exact, in one year!
One of the immediate concerns after someone close to you passes away is their funeral. This article discusses the available options for paying for a funeral and what restrictions may exist.
The concept of retirement has evolved in our lifetime. Retirement used to involve three steps: work and save (most of your life), then quit working (at the magic age of 65), and then enjoy your golden years (in the few you have left). Longer lifespans and a radically different social and personal economic environment have shifted us away from retirement. A defined period of retirement is being replaced by a more indefinite period of active adult living.
Annuities are attractive because they offer a decent rate of return with very little underlying risk to investment capital, which makes them desirable investments.
Bitcoin is not only the first cryptocurrency, it is also the leading cryptocurrency by any current measure, but will Bitcoin be the leading digital currency in the long run?
What was once a secret tool of wealthy investors, stock options are now the common man's tool widely known to the world.
Stock options lose value over time, but that can be used to place the odds in your favor by reversing the logic—selling options short and buying back cheaper. Options also can be used to define your risk, improving those odds even further.
Learn the truth about your spending habits so that you can stop kidding yourself and start doing better financially.
Do you want explore Binary Options? A key step towards the success and for sustainable profit, you need to select the best broker and platform. This article explores the best platforms out there.
Cryptocurrency exchanges are not all the same. Here are the top 10 crypto-exchanges to watch in 2018 and beyond and the cryptocurrency market explodes creating wealth for the masses.
Whether the annual income for an American family is $20,000 or $200,000, they are likely to spend most, all, or more of what they earn.
Looking for a smarter way to do things around the house? Tackle one small project a day and in a year you’'ll add 122 hours of productivity to your life. That’s three weeks worth of full-time work!
If you are currently receiving disability benefits, you may be subjected to a review of your disability to see if you are disabled. Here I will write about the review process and give some advice.
Whether you're interested in investing for the future, or just to have some money put away for a "rainy day" or emergency, saving money when you don't have much can be tough. Here are some tips.
IRS Form 1099 is used to report income or earnings paid to you. Self-employed receive a 1099-MISC and must report it on a Schedule C. Other common Form 1099s that can be received include 1099-INT, 1099-DIV, 1099-R, 1099-B, and SSA-1099. Form 1099-C is used to report cancellation of debt. Form 1099-K is used to report third party or credit card transactions paid to you.
A simple, easy-to-implement method of managing bills so as to minimize credit card late fees and bank overdraft fees. For use when life has thrown you under the bus, and you just need to survive.
Looking for a cryptocurrency that has a solid purpose, the potential to be worth a lot, and one that has a well-established user community? The DeepOnion coin might just be right for you.
On 23rd June 2016, the UK voted to leave the European Union. Whilst many predict Brexit to be a disaster for the economy and personal finance, here are some ways you can benefit.
The use of spreads in options trading increases your buying power and decreases the capital required. It's also a great technique to reduce the maintenance margin requirements.
Authors Elizabeth Dunn and Michael Norton review research on spending money and suggest five principles for getting more happiness from spending your money.
Debt payments are the number-one expense of most Americans each month. Stop adding more debt to your life and start the journey to financial freedom with this 4 step guide to destroying your debt.
The coupon is the regular payment of interest as a percentage of the face value. The yield is the effective return for a given bond price.
Do you want to raise your credit score simply and quick? Of course you do! Follow my Best 7 Super Simple Ways to Super Boost Your Credit Score Fast and you will see exciting results in 60-90 days.
Whether you’re a millennial or in your 50's, you can take preventive measures right now to retire fiscally fit. This article teaches you five practical ways to achieve your retirement dreams.
With interest rates on savings accounts rarely reaching past 1%, why not open multiple current accounts?
The article considers the emerging virtual money system, and its inevitable impact on the global financial scene. The author analyzes the possible pros and cons of such a innovative system.
How do you save money every month? Don't spend, live below your means, and do without. Examples of how I have saved!
If you are regularly making money from HubPages or other online activities you are considered to be a small business owner and required to pay taxes on this income. Here is how to keep your business
While some people want to get rich, they might not ever accumulate the amount of money they desire because of their relationship with money. When they change their relationship with money, they will see how quickly their bank account increases.
With the rocketing bitcoin prices mining the cryptocurrency seems very appealing. Don't! There is simply no way you will make any money.
A review of the basics regarding emergency savings such as the purpose, use and where to keep this resource.
Learn how how 10 invisible enemies--denial, fear, complaining, not forgiving others, procrastination, pride, blaming, perfectionism, worry, and self-pity--can keep you from financial success.
Demand for Bitcoin and its scarcity will continue to drive the cryptocurrency higher. Best to buy and hold, even when the inevitable bubble pops. It'll soar even higher afterwards.
Warren Buffett is one of the world's foremost investors, and this book explores some of the principles he follows when deciding where to invest.
Investing in the stock market can be bewildering. But the basics of how anyone makes money in stock and shares is simple. Keep these simple ideas in mind whenever you are thinking about investing in the stock market.
Investing in shares can make you money either by paying dividends or by the share price going up giving you a capital gain.
The cryptocurrency Ripple (XRP) has become the number two digital currency by market capitalization. The price alone increased by 35,000 percent in 2017.
Investment is a commitment and you should weigh all options before starting a savings plan or buying your first shares. So which is better for you? Unit trust or shares? Let's find out.
This article shows how to calculate the net present value and net future value of an investment that pays uneven annual payments. An example is provided with a detailed explanation.
Bitcoin has finally reached a new all-time high. Some stated that bitcoin wouldn't make it this far, yet bitcoin continues to soar to greater values. Alex investigates the bitcoin phenomenon.
There are many ways to repair your credit score. Fingerhut was our first credit repair attempt and it worked!
There are many reasons why you should NOT get a private student loan. If I can warn you about one thing, avoid Sallie Mae's private student loans at all costs! And here's why...
Foreign Exchange is a necessary tool for trading between countries, but rates of exchange are unfair to less powerful countries. It contributes directly to poverty and enriches banks and traders.
Roth or Traditional IRAs for housewives and stay-at-home moms. Misconceptions about opening a Spousal IRA. Brokerages with low minimum investment IRAs to get you started.
It feels like I'm constantly struggling to make ends meet!!! Of course, I work full time but it never seems to be enough. The struggle is real for me and my family.
Here is an outline of the peer to peer lending system in Britain/UK and the reward one can expect. I detail my experience of three companies; Funding Circle, LandBay, Wellesley & Co..
The case for and against investing in gold. It can be a store of value but it doesn't earn an income itself. Is it good insurance against inflation? Will it carry on going up forever?
Selling stock options has been likened to operating your own high tech casino on the internet. Stock options buyers are likened to casino gamblers who lose their bets most of the time. Who wins? You, the option seller!
This article discusses 25 prepaid debit card fees and how much you can expect to pay in fees with certain prepaid cards.
Tired of the bank CD’s paying less than one percent? Quality dividend paying stocks can be an alternative to these low yields.
If you are willing to pay extra for an easy, user-friendly tax-experience, just follow TurboTax' s advice on which version fits your needs: Basic, Deluxe, Premier, or Home & Business. But you may be able to pay less and still get your taxes done.
Understand the different classes of shares in a company, how they differ and what they are used for.
Most of my trades always went against me at first. I found a solution, and a method to avoid losing money. Placing trades at the bid or asking price increased the odds of going in the right direction from the start.
Should you believe investment testimonials or other product testimonials? There is so much hyperbole by vendors that often borders on ridiculous claims about products or services.
I have worked as an accountant for over twenty years for non-profits, governmental units, and manufacturing companies. Budgets have been under my management for many years. I’ve even worked on the budget committee at a church.
Principal, Insurance, Tax, and Insurance—also known as PITA. PITA is the number used to qualify you for a mortgage to buy a house. Do you know what your PITA is?
Here are five tips to get you started on saving that pocket change and planning your next great adventure.
Mastering Bitcoin may have a steep learning curve but if you're looking to trade this popular cryptocurrency, there are easy ways to get involved.
Bonds or bond funds should be an important part of every investors portfolio. They offer a steady return on your investment without the volitality of the stock market.
To assess the true value and potential gains ahead for various cryptocurrencies that are alternatives to Bitcoin, it is important to research how various cryptocurrencies derive their valuations.
There are fundamental reasons why Bitcoin and other cryptocurrencies are likely to rise in the long run.
This hub gives my thoughts of what steps you need to take to become a successful trader. There are no magic systems, but there are certain rules that will help you to stay in the game
Here goes my best effort to explain what Bitcoin is and how it works, in terms that “normal” people can understand.
Equity Crowdfunding allows people to invest in start-ups and small businesses. Equity Crowdfunding allows people to build wealth and directly invest in their communities.
A currency swap is the purchase or sale of a forex spot transaction with a simulataneous purchase or sale of a forex forward transaction.
Use online financial software to organize your finances. When your money is in the right place, your life will be a lot less stressful.
Finding a place to start improving your finances isn't easy, especially when you know that you aren't in a good place. Here are some ways that you can start improving your finances today.
Many people don't realize that they are greatly underestimating the amount of money they need for retirement. These three tips will help you see where you really stand.
Social Security is often an overlooked part of retirement planning. Bad publicity have caused people to ignore it. However, it can be a very powerful source of income. Here's what it's worth.
Gilts are UK Government bonds. They are very safe investments but have low returns. Some gilts are index-linked to protect investors from inflation risk.
What do you do if you are given too much money? Where would you spend it? As a Christian, what should we do about our wealth? Let's see how!
It should be common knowledge that at some point in your life you will end up in debt. Whether you're buying your first home or applying for a student loan, debt is an ugly reality that can stick with you longer than your initial investment. Avoid the pitfalls of long-term debt by reading below.
A complete guide to file income tax return and wealth statement for tax year 2015 as a salaried or business individual, an AOP or a company using iris system.
This budget process ensures every single dollar you are spending is included, so you can see where money is spent, and where money can be saved. Authored by a Chartered Accountant.
Following the trend of the Nasdaq, FB recently dipped by 5 percent, and NVDA and TSLA stocks dipped by about 20 percent. FB and NVDA have since bounced hard, while TSLA appears to have stalled. Why?
NVDA stock has returned over 600 percent in the past two years, but is now down 17 percent from its June 9 high.
There is a clearly a market timing method that has proven its worth over time, since it provides accurate signals regarding when to be in the stock market and when to step to the sideline and hold cash.
If you have difficulty working to support yourself due to a medical condition and are applying for Social Security Disability benefits, here are a few useful tips.
Have you asked yourself what is a Bitcoin, how to buy Bitcoins or even where Bitcoin trading is conducted?
How to make sure that you know how much money you have and how much it is earning so that you can make better financial decisions.
In this article you'll find a step-by-step guide to purchasing Bitcoins using Coinbase. Coinbase is an easy and secure service for buying bitcoins using a bank account.
With so many retirement savings options available, it is hard to pick the right one for you. This article covers the basics on IRAs, Roth IRAs, 401(k)s, Health Savings Accounts, and more.
Investing in different asset classes can help you reduce risk without reducing return and gives you tools to help you make your investment portfolio meet your goals.
You'll find important information in Most Important Documents to Keep in a Fireproof Safe. There are other items besides a will, jewelry, and money to protect with a fireproof safe.
One of the most deceiving marketing tools is the warranty, especially on major purchases. Contrary to popular belief, the warranty is not written for the buyer, but to limit the seller’s liabilities.
Remarks and a critique of the technology, philosophy, and overall societal value of Bitcoin and other Cryptocurrencies.
“Black Monday,” as it came to be known, happened October 19, 1987, and is the day the stock market took its worst one-day drop in history. What were the causes, and will it happen again?
Credit cards are promoted for their convenience. There are downsides to using them, however. Here is a list of reasons why credit cards can be a bad thing.
Is New AEON the most overlooked Crypto-currency of the Peer-to-Peer Networks? Or is it a Darknet black-hole? (Crypto-Commentary)
In the world of stock market investing stock options trading is a crucial part in one’s goal of achieving high returns. Owning stocks without complementing them with options is like owning dormant real estate and not renting it out for income.
Frequently, cash flow problems occur because you have wittingly or unwittingly mismanaged your financial portfolio.
This article explains the rudiments of a stock buyback to the man-in-the-street or the average stock investor. Why the investor should look at the reasons behind the buyback.
Elon Musk, a modern entrepreneur, has created several companies and products that are technological cutting-edge and ambitious to say the least. But does that mean Tesla has a solid future?
Need a student loan but can't get a cosigner? Learn the steps to getting student loans without cosigners.
Alabama residents receiving full Medicaid may qualify for gas reimbursements for non-emergency doctor appointments. This article will inform you of the steps.
The differences between buying bonds or shares:what risks you are taking, what return you can expect, and how you will get paid.
Health insurance was expensive for a small businessman, but this one found a way to cover the doctor bills and still have enough left over to travel the world...
Did you know that your clothing donations can lead to a tax deduction? Here's how to get rid of un-used clothing *and* save some money.
Ethereum is a big name right now in the world of cryptocurrencies. The electronic currency has recently overcome potential threats to gain record highs!
Options are fairly simple derivatives, but do have some complex properties. Before trading options, either to speculate or hedge, it is important to become familiar with those properties.
Joe Dominguez and Vicki Robin help you change your relationship with money so that you can have financial peace.
Tax time doesn't need to be a stressful event if you maintain records throughout the year. Follow these tips to make filing your taxes a breeze.