Does visualizing success help you achieve success? It certainly does in some cases. Successful athletes such as Tiger Woods and Muhammad Ali are known to have visualized their successes years in advance.
People in other fields have also used visualization as an important part of the path to their success, from cartoonist Scott Adams to
Is your credit card interest rate causing you financial pain? As of April 2020, the average annual percentage rate (APR) across all credit cards is 16.12%. Low-interest rate cards average 12.95% – a huge improvement when you’re struggling with debt.
If your card’s APR doesn’t measure up, how do you get a low-interest rate credit
Can you spot a credit score myth when you see one? Survey after survey, including a 2017 MoneyTips survey, finds that people continually believe the same credit score myths. Have you fallen for these examples?
1. Checking Your Own Credit Report Drops Your Score – This myth confuses the two types of pulls on your
Tax season is almost over. Have you filed your return yet, or are you still scrambling to beat the tax deadline for 2020? Don’t overlook these common tax deductions that could save you money.
When you hurry through your tax return, you may miss valuable deductions that could produce a lower tax bill – or
Selling a home can be a stress-inducing experience, especially if you are counting on the sale of your existing home to fund the purchase of a new home. It can seem like you are coordinating a million things at once. A simple checklist can help you to keep track during the chaos and prevent necessary
The old phrase “you get what you pay for” really does ring true in some cases. There are some cases where quality is far more important than price. Would you consider discount brain surgery? Probably not… and if you would, we suspect it might be repeat business.
Medicine warrants a whole category of areas where
You’ve set up a lame date for the upcoming weekend but you’re hoping a better offer comes along. If one does, you’re ready to accept it and cancel your earlier date. You’re hedging your bets, so you won’t be sitting home alone on Saturday night.
That logic applies to real estate transactions as well. Perhaps
By Andrea Woroch
More people than ever are feeling the pinch in their budget as the coronavirus threatens lives and our ability to earn a living. For many, however, now is the time to get creative and seek new opportunities to make money.
Even if you haven’t experienced any disruption in income, supplementing your income
Certificates of Deposit (CDs) can be a useful part of your investment portfolio – but did you know that opening a CD at some banks and credit unions can drop your credit score? It’s possible, depending on how your bank or credit union assesses risk.
When you apply for credit, lenders check your credit report
It’s a classic dilemma. You can’t build a credit history and get a credit score without a source of credit, but how do you get a source of credit without a credit history?
If you don’t have a credit score to assess, you’ll have to give lenders a different method of assurance that you won’t
A vacation home sounds delightful, doesn’t it? If you can’t afford one, you may be able to at least afford a part of one – by purchasing a timeshare.
You’ll have plenty of company if you do. The American Resort Development Association (ARDA) reports that timeshare sales have risen for eight consecutive years, reaching $9.6
You decide to participate in a government survey regarding your debt and credit card usage. Will you answer the survey questions honestly, or will you shade some of your answers when you’re not proud of the truthful response?
Researchers at the Federal Reserve decided to compare credit card data from different sources to answer that
Tax preparation software has improved significantly over the past several years, and more and more people are using it to file their own taxes. If you are debating whether doing your own taxes is right for you, consider the following factors:
Simplicity of your Tax Situation – If you have relatively few deductions, few sources
The Internal Revenue Service has plenty of ways to penalize you for mistakes on your tax return. Some of these potential penalties are so convoluted and complex that there may well be disagreement within the IRS on when they apply. However, most people accrue tax penalties for very simple mistakes. Below are some of the
Are you tired of working for others? Being your own boss can be very rewarding both financially and spiritually, but there are challenges associated with freelance work. Taxes are one of the most difficult aspects because self-employment brings a special set of tests.
Freelancers work as independent contractors and those who employ them are not
The Premium Tax Credit (PTC) may sound like it is a credit only available to top-tier incomes, but it is actually quite the opposite. “Premium” in this case refers to health care premiums, and the PTC is a way to help those with relatively low incomes to afford health insurance premiums and avoid the potential
Nature comes alive in springtime and we all want to take advantage of the warmer weather. However, some of our finances may still be recovering from our holiday spending, making a spring break seem like a pipe dream. Here are five ways to take a vacation without breaking the bank.
1. Take a road trip.
If you are over age 65 or are retired due to a disability, you may be eligible for a separate tax credit designed to help the nation’s seniors and disabled. Even better than a deduction, the Tax Credit for the Elderly or Disabled could take up to $7,500 directly off of your tax bill. (Deductions
The IRS recommends that you keep tax records for at least three years from the date you filed your original return, and longer for special situations. You may need copies of your tax returns for tasks like filing future years’ taxes, applying for a mortgage loan or student aid, or settling IRS inquiries.
How to
The coronavirus outbreak that began in Wuhan, China, in late 2019 has spread fast and caused global panic. Even the financial markets have suffered, causing the Federal Open Market Committee (FOMC) of the Federal Reserve to decrease its rate by half a percentage point in an emergency move. This sets the Fed’s target interest range
You have decided that it is time to sell your home. Regardless of the reason why, you want as smooth and as quick of a sale as possible. To keep your sale trouble-free, consider these potential stumbling blocks before you begin your home-selling journey.
Overpricing – Set the price using appraisal values and market rates,
Married couples have the choice of filing their taxes jointly or separately. What is the best option for you and your spouse? Generally, it is to file jointly – but there are several factors to consider before making your choice.
Obviously, the first hurdle is that you have to be married. For tax purposes, you
Tax season is upon us, accompanied by many new federal tax changes. If you are one of the many Americans struggling to understand how to fill out your tax forms, the IRS — yes, that IRS — may be able to offer you free assistance.
The IRS offers the Volunteer Income Tax Assistance (VITA) program
The home appraisal process can be one of the most nerve-wracking parts of a home sale. A single independent party is assessing the fair market value of your home, and the appraiser’s conclusion can sink the deal. Banks will not approve the loan if the appraisal does not give them sufficient collateral.
The primary factors
To pay someone to figure out how much you have to pay the government seems like adding insult to injury. For many taxpayers, there’s an easier way.
Formed in 2003, IRS Free File is the product of a partnership between the Internal Revenue Service and a group of twelve online tax software suppliers that form
Congratulations! You have just been handed your first little bundle of joy in the hospital and have embarked on the long journey of parenthood. It is a trip full of joyful experiences that make the corresponding aggravations worthwhile, and it comes with many benefits — some of which are tax-related. You can look forward to
When you decide to revamp your home, the goal is usually to suit your lifestyle and create an ambiance more to your own taste. In a world of financial uncertainties, however, it is crucial to consider the effect on the resale value of your property. Home improvement projects that enhance sought-after features can make your
You would love to embark on a home improvement project that will spruce up your property and improve its resale value at the same time, but you only have $1,000 in the budget. What sort of projects can give you the best return on your investment (ROI)? We have five options below for your consideration.
Are you starting home improvement projects to celebrate spring – or to recover from this year’s wicked heating bill? Are you looking to sell your home soon, and investigating home improvements to improve the sale price? In any case, you want your home upgrades to result in savings and/or increased value. But which improvements are
MoneyTips By Andrea Woroch Every year, countless people throughout the country dream up personal finance-related New Year’s Resolutions. Most of the goals are centered around saving more money, whether it’s by earning more or spending less. Some folks have trips they want to take or projects they need to cross off their to-do list, while
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