AM 760 KFMB - Talk Radio Station - San Diego, CA - Money: Personal Finance, Business, Small Business news features

The Best Cities to Sell a House – 2019 Edition

Selling a house is a major decision that demands careful consideration. After all, securing more money from selling your home gives you more capital to invest with your financial advisor. Your location, for one, plays a... More>>

What Americans Would Do To Protect Our Identities

With the massive Equifax hack of 2017, the credit bureaus have shown that they can't protect your identity. It's up to you. How far would you go to protect it yourself? Would you stop using public WiFi? Stop using... More>>

A Guide to SIMPLE 401(k) Plans

A Savings Incentive Match Plan for Employees, or SIMPLE plan, can come in the form of an IRA or a 401(k). While both SIMPLE plans are a lot alike, the 401(k) plan is a little easier to understand and put … Continue... More>>

Financial Advisor Fees: Fee-Only vs. Fee-Based

Those seeking a financial advisor will encounter two types of fee structures: fee-only and fee-based. The difference between the two might not be immediately apparent. Still, as you research advisors to help you plan your... More>>

How Much Are HOA Fees?

If you picture living in a planned community full of amenities and happy neighbors, you’re probably asking yourself: How much are homeowners association fee (HOA fee)? Some studies suggest that you can expect to pay HOA... More>>

What Is Current Ratio and How Do You Calculate It?

If you are an investor, the current ratio is a measure you’ll likely want to use to analyze the companies in which you are considering investing. The current ratio is a liquidity measure. It determines whether a company is... More>>

How Far Back Can the IRS Audit? 8 IRS Questions & Answers For 2019

Originally posted on: https://silvertaxgroup.com/how-far-back-can-the-irs-audit/ Compare how long the US Tax Code is in comparison to the Bible at around 1600 pages long, and you’ll understand why people have a lot of... More>>

What Is the Best Online Payroll Service?

Originally posted on: https://priceithere.com/payroll/best-online-payroll-service/ If you’re looking for an online payroll service then you’re in the right place. We take a look at some of the best online payroll services... More>>

I’m Not Old, but When I Am, I’ll Retire in Florida: Here’s Why

Originally posted on: https://www.floridaishome.com/blog/im-not-old-but-when-i-am-ill-retire-in-florida/ Is it the age old, or the old age question? Either way, it’s never too early to start planning for your... More>>

13 Ways To Prevent Credit Card Fraud

You've taken steps to avoid identity theft, and maybe even applied a credit freeze to your credit report. You can sit back and relax, right?Wrong. You may have prevented identity thieves from opening new accounts in your... More>>

Your Rights As An Identity Theft Victim

Would you know what to do if you discovered that you were a victim of identity theft? Given the massive data breaches over the last few years, it's important that you understand your rights as an identity theft victim –... More>>

USPS Postage Rates: Chart of Local and International Postal Prices in 2019

Originally posted on: https://postagemeterrental.com/usps-postage-rates-2019/ Last year, the US Post Office lost money for the twentieth year in a row. We’re not talking pocket change either. They were out $3.9 Billion in... More>>

Who Is the Mortgagee in a Home Loan?

A mortgagee is a lending institution that issues mortgages. In most cases, the mortgagee is a bank or credit union. The mortgagee has special legal rights on the real estate that mortgages are tied to. This article will... More>>

Tips For Hiring a Collection Agency | What Your Business Should Know

Originally posted on: https://cheapmenow.com/tips-for-hiring-a-collection-agency/ Are you looking to hire a collection agency? Which one do you choose? Here’s every business owners guide to finding a great debt collection... More>>

Third Party Shipping Solutions Vs Drop Shipping Explained

Originally posted on: https://www.fulfilltopia.com/third-party-shipping/ Do you need to use third party shipping or drop shipping? In this guide you’ll better understand differences between the two. More>>

Payroll Outsourcing Services

Originally posted on: https://cheapmenow.com/payroll-outsourcing-services/Low Cost Payroll Outsourcing Services: A Guide To Affordable Payroll Can low cost payroll outsourcing actually save your business money? Find out... More>>

How long does it take to sell a company?

Originally posted on: https://www.synergybb.com/how-long-does-it-take-to-sell-a-company/ Many business owners want to know how long it will take to sell their company. While no one can give you an exact amount of time,... More>>

6 Things You Really Need to Know About Live Answering Service Pricing

Originally posted on: https://findansweringservice.com/learn-about-live-answering-service-pricing/ If you’re looking around for answering service pricing, keep reading. Here are 6 things you need to know about how a live... More>>

How To Pay Your Taxes

Let's assume that you drew the short straw on the 2018 tax cuts, and you owe Uncle Sam this year. How do you plan to pay? There are plenty of ways other than the old-fashioned check submitted with a paper tax return. If... More>>

3 Of 4 Americans Know A Victim Of Identity Theft

More than 15 million Americans had their identity stolen last year. Do you know anyone who has suffered through the victimization, then agonized more as they struggled to reclaim their identity? Odds are you do! We hope it... More>>

Who Qualifies for Medicaid?

To qualify for Medicaid, you have to meet certain income requirements. This is a federally-run health insurance program designed to help the needy access quality healthcare. Eligibility varies by state, but you have to... More>>

The Benefits of Traditional and Roth IRAs

If you’re thinking about opening a traditional individual retirement account (IRA) or Roth IRA, you have some major tax benefits to look forward too. However, these aren’t one-size-fits-all accounts. This article will... More>>

The Best Places to Raise a Family on the West Coast – 2019

It costs more than $233,000 to raise a child through age 17, according to the U.S. Department of Agriculture. Given that high cost, you want to know that you’re living in a place that is conducive to your family’s... More>>

Utility Scams And Identity Theft

You've received a phone call from a utility company demanding a payment right now or your utilities will be immediately shut off – or maybe representatives of your utility show up at your door to make the same threat.... More>>

SSI vs. SSDI: A Guide to Social Security Disability

Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI) often get lumped together or confused for each other, despite being two distinct government programs. This is understandable: They are both... More>>

Occupations With the Largest and Smallest Pay Gap – 2019 Edition

The current gender wage gap in America, according to the Bureau of Labor Statistics (BLS), sits at slightly less than 82%. That means the average working woman earns 82% of what the average working man earns, which hurts... More>>

Millennials Not Smart When It Comes To Credit Cards

New Survey Shows Poor Credit Habits of Millennials Americans must love credit cards. As of the end of 2018, Federal Reserve data shows that we have racked up $870 billion in outstanding credit card debt on our nearly 480... More>>

Don’t Let Bad Credit Make You Homeless: 8 Ways to Get a Housing Loan

Over 43 million Americans have a poor credit score. When this determines whether or not you can get a home loan or rent an apartment, you may be struggling to find a housing option if you’re part of this statistic. ... More>>

Get Back on Track: Six Easiest Loans to Get for Damaged Credit

Your credit score is an important number. A good credit score can make a world of difference when you want to make a large purchase like a house or a car. It’s also important when you need a small emergency loan. When... More>>

Thinking of Taking Out a Personal Loan? Here Are a Few Reasons You Should Do It

More people are turning to personal loans for financial relief more than ever. In the last few years, personal loans have surged to become the fastest growing type of consumer debt. Taking out a personal loan has become a... More>>

Salary Needed to Afford Home Payments in the 15 Largest U.S. Cities – 2019 Edition

Even though many people picture the high cost of living when they think of America’s biggest cities, the housing markets in these areas actually vary quite a bit. Part of that range comes from particular local factors such... More>>

Child Credit Freezes 101

It may seem strange to you even to think of freezing your child's credit. Has your son or daughter gone on a credit binge at your local toy store or candy store? Why would your child even have credit in the first place? ... More>>

Deduct Your Student Loans!

Chances are that if you have student loans, you need every bit of extra cash that you can get. Did you realize that your student loans might be able to generate some cash for you? Under certain circumstances, you may be... More>>

What We Don't Know About Identity Theft CAN Hurt Us

Equifax... Uber... Target... Under Armour.... The list of data hacks keeps growing and growing, increasing the odds that someone will steal your identity. Last year, this digital epidemic affected 14.4 million Americans. But... More>>

Average 401(k) Return: What You Can Expect

Many retirement planners suggest the typical 401(k) portfolio generates an average annual return of 5% to 8% based on market conditions. But your 401(k) return depends on different factors like your contributions,... More>>

What is a Prenup, and How Do You Make One?

Prenuptial agreements, commonly known as prenups, are agreements that couples sign before marriage. They specify how assets will be divided in the event of a divorce. Prenups have become more common and less taboo in... More>>

Crypto Concerns: Are Cryptocurrencies Safe to Invest In?

There used to be a time when people were looking for things to invest money in. They would turn to the stock market, real estate, or a promising start-up or invention. Yet today, more individuals are seeking to enlarge their... More>>

How to Use FINRA BrokerCheck

FINRA BrokerCheck is a free, online research tool providing information about individual brokers, investment advisors and the firms that employ them. The database contains details like registrations, employment history and... More>>

How To File for Chapter 7 Bankruptcy

If you’re trapped under a pile of debt, bankruptcy may be your last resort. Chapter 7 bankruptcy is the most common form. It can wipe out your debt and give you a fresh start. This article will explain how to …... More>>

Protect Yourself From Medical Identity Theft

Medical identity theft is an increasing concern for Americans. According to the Identity Theft Resource Center, 27.9% of 2018 data breaches as of mid-June are in the Medical/Healthcare category, exposing almost 3 million... More>>

More Prospective Homebuyers Frustrated

How long have you been searching for your new home? The latest Housing Trends Report from the National Association of Home Builders (NAHB) suggests that you've been looking for a while and may be getting frustrated in... More>>

The Cheapest Countries Where You Can Retire Well

After working hard and saving diligently for retirement, you may find that your nest egg won’t take you far in the U.S. But don’t fret. You may be able to stretch your dollar further outside the country. And it won’t... More>>

The Many Benefits of a 401(k) Plan

If your company offers a 401(k) plan, you’re in luck. These savings vehicles help you save for retirement as you enjoy some tax breaks. This article will explain how they work and all you need to know to start investing... More>>

401(K) Withdrawal Age and Early Withdrawal Rules

Once you reach age 59.5, you may withdraw money from your 401(k) penalty-free. If you tap into it beforehand, you may face a 10% penalty tax on the withdrawal in addition to income tax that you’d owe on any type …... More>>

Survey: 9 Of 10 Believe Equifax Should Be Punished

MoneyTips published an article explaining that Equifax has yet to be punished for the data breach that compromised the personal data of more than 147 million Americans. We wanted to know if the credit bureau should be... More>>

Almost 2 Of 5 Contacted About Overdue Debt

Have you missed enough credit card payments that your creditor has contacted you about your debt? If so, you aren't alone. According to survey results from the February 2019 PYMNTS.com Financial Invisibles Report,... More>>

IRA Hardship Withdrawal: How to Avoid Penalties

Normally, you can’t withdraw money from your traditional individual retirement account (IRA) until you reach age 59.5 without facing a penalty tax. But you can avoid this sanction if you make an IRA hardship withdrawal.... More>>

How to Buy Stock: A Personal Finance Guide

Originally posted on https://www.klkntv.com/story/40071142/how-to-buy-stock-a-personal-finance-guide   You’ve read about the stock market, followed its ebbs and flows and you’re ready to take the plunge. ... More>>

No Money, Mo’ Problems: Top 9 Different Ways to Borrow Money

Originally posted on https://www.kitv.com/story/40071555/no-money-mo-problems-top-9-different-ways-to-borrow-money   Do you ever feel like you don’t have enough money for, well anything? You’re not the... More>>

A Chicken-Egg Conundrum: How to Establish Credit When You Have None

Originally posted on http://www.kuam.com/story/40071671/a-chicken-egg-conundrum-how-to-establish-credit-when-you-have-none   Did you know one in five consumers in the United States have no credit history at all? If... More>>

Don’t Be Duped: How to Avoid Being Scammed Online

Originally posted on http://www.fox34.com/story/40088530/dont-be-duped-how-to-avoid-being-scammed-online   Encountering an internet scam is terrifying, dangerous, and inevitable. But you don’t have to fall for... More>>

How Do Secured Credit Cards Work? Everything You Need to Know to Get Started

What if you could get easy access to credit when you need it the most? For those with poor credit, it can often seem impossible to get a credit card in your times of need. This can make it seem like there is no way out from... More>>

The Complete Guide to Coinbase Fees (and How to Avoid Them)

Originally posted on https://www.cryptoryancy.com/the-complete-guide-to-coinbase-fees-and-how-to-avoid-them/ Coinbase is one of the most widely used crypto wallet available. It is the main go-to for people who like to... More>>

Is Coinbase Safe? A Comprehensive Look at This Crypto Wallet

Originally posted on https://www.cryptoryancy.com/is-coinbase-safe-a-comprehensive-look-at-this-crypto-wallet/ While many cryptocurrency exchanges are legit, the lack of global regulation around the crypto market causes... More>>

Credit Score Savior: How to Fix Your Credit Score After Medical debt

Originally posted on http://www.kake.com/story/40112605/credit-score-savior-how-to-fix-your-credit-score-after-medical-debt   Medical debt can be hugely expensive and often unexpected. And it affects millions of... More>>

5 Essential Tips on How to Choose a Financial Advisor You Can Trust

Originally posted on http://www.fox34.com/story/40112603/5-essential-tips-on-how-to-choose-a-financial-advisor-you-can-trust   32% of Americans revealed that they do not trust the advice of financial advisors. Many... More>>

Making Money Moves: 8 Money Goals to Set for Your 30s

Originally posted on http://www.kake.com/story/40112886/making-money-moves-8-money-goals-to-set-for-your-30s   The average American isn’t exactly rolling in dough. Okay, so Americans are much better off than... More>>

What Is the Series 66 License?

The Series 66 license is required to work as an investment advisor in the United States. To obtain it, you must pass a rigorous exam covering methods of delivering investment advice and other topics. Below, we’ll... More>>

GDP: Definition, Examples and Economic Usage

Gross domestic product (GDP) measures the market value of all goods and services a country produces in a specific time frame. It’s used to gauge a nation’s economic growth and its people’s standard of living. GDP... More>>

States With the Largest Tax Bills

Tax season can be a celebratory time for Americans who are owed a refund. But while the focus is often on those who have overpaid, it’s important to note that a significant number of people don’t pay enough. Americans who... More>>

MoneyTips Identity Protection Survey Findings

MoneyTips recently conducted an exclusive survey to discover how Americans feel about the risks of identity theft and the steps necessary to protect our data. "In the identity theft stories I know about, cleaning up the mess... More>>

MoneyTips Identity Protection Survey Findings

MoneyTips recently conducted an exclusive survey to discover how Americans feel about the risks of identity theft and the steps necessary to protect our data. "In the identity theft stories I know about, cleaning up the mess... More>>

What Payday Loan Law Changes Mean For You

If you need money and have bad credit, payday loans may seem like your only option. Payday loans are inherently risky – and expected payday loan regulation changes have been delayed, keeping the risk relatively high. Payday... More>>

Medicare Part C: Medicare Advantage Plans

Medicare Part C, also known as Medicare Advantage, is one of four parts of the Medicare Program. While Part A covers in-hospital services, Part B covers outpatient and preventative services. Part D covers the cost of... More>>

An Executor’s Responsibilities to Beneficiaries

The executor of a will has a fiduciary duty to act in the best interest of the estate. This means that the law prevents you from acting in your own interest to the detriment of the estate. As an extension … Continue... More>>

How Long Does An Executor Have To Distribute a Will?

When most people think of executing a will, they might think only of delivering inherited assets to beneficiaries. However, there are actually several steps of the probate process that the executor must complete before... More>>

How To File For Executor of an Estate Without a Will

Even if you die without a will or without naming an executor in your will, someone still has to take charge of managing and closing your estate. The person who assumes this role is typically called an administrator rather... More>>

America’s Best Hockey Towns of 2019

Hockey may not be the most popular sport in America, but it enjoys a strong fan base. Its following is also growing: Since we last did this study, the National Hockey League has even added a new team, the Golden …... More>>

New Law Proposed To End College Debt

No More Collegiate Debt Could the next drag on America's economy come from student loans?According to StudentLoanHero.com, America's student loan debt burden hit $1.56 trillion – more than any other kind of household... More>>

How to Use Treasury Direct to Buy Government Bonds

Investing in government bonds is a great way to diversify your investment portfolio. This is because your money is backed by the full faith of the U.S. government, so there’s virtually no risk of default. This... More>>

A Guide to Retirement Income Planning Strategies

When you first embarked on your retirement planning journey, your goal was probably to save as much as possible and generate the biggest returns you could through a diversified portfolio. But as you get closer to your... More>>

Documents You Need to Apply for Social Security

Applying for your Social Security benefits is less of a daunting process than it may seem, especially since the Social Security Administration (SSA) allows you to apply online. Once you’ve determined the best age to... More>>

Making Money Moves: 8 Money Goals to Set for Your 30s

The average American isn’t exactly rolling in dough. Okay, so Americans are much better off than much of the world, but that doesn’t mean we can’t talk about our shortcomings. For example, the median... More>>

How Does an IRA Loan Work?

If you’re like many people with an individual retirement account, the money in your IRA likely represents one of your largest assets. And if you find yourself in a tight financial spot, you may want to be able to borrow... More>>

Does The Executor Have The Final Say?

The executor of a will is in charge of making sure the wishes of the deceased are carried out, as well as handling the final affairs of the estate. The executor has authority from the county probate court to act …... More>>

Credit Score Savior: How to Fix Your Credit Score After Medical debt

Medical debt can be hugely expensive and often unexpected. And it affects millions of American’s credit scores. According to the Consumer Financial Protection Bureau, 43 million Americans had overdue medical debt on... More>>

5 Essential Tips on How to Choose a Financial Advisor You Can Trust

32% of Americans revealed that they do not trust the advice of financial advisors. Many of us, however, have families, homes, and income that need to be safely protected. If you didn’t know how to cook, you... More>>

How to Retire in the Philippines

If you want to spend your retirement in year-round warmth with the backdrop of rain forests or beaches, the Philippines may be your ideal option. The cost of living in the Philippines dips significantly lower than it does... More>>

Executor of Estate vs. Power of Attorney

One of the most crucial aspects of estate planning is appointing people you trust to step in for you when you can’t act for your self. Two of the most prominent of these roles are the executor of your estate …... More>>

The Complete Guide to Coinbase Fees (and How to Avoid Them)

Originally posted on https://www.cryptoryancy.com/the-complete-guide-to-coinbase-fees-and-how-to-avoid-them/ Coinbase is one of the most widely used crypto wallet available. It is the main go-to for people who like to... More>>

Is Coinbase Safe? A Comprehensive Look at This Crypto Wallet

Originally posted on https://www.cryptoryancy.com/is-coinbase-safe-a-comprehensive-look-at-this-crypto-wallet/ While many cryptocurrency exchanges are legit, the lack of global regulation around the crypto market causes... More>>

Top 10 Rising Housing Markets – 2019 Edition

The American housing market has changed significantly since the post-recession economy of the early 2010s. Zillow estimates the median home in the U.S. is worth $225,300, up from $148,000 in January of 2012. That is a gain... More>>

Survey: Americans Trust Trump Over Zuckerberg With Protecting Their Identity

Identity theft is rampant, with an estimated $14.7 billion stolen from Americans last year alone. Nevertheless, we don't trust that the credit bureaus who hold all our personal data can protect our identities. An... More>>

5 Tips For Taxpayers Who File Quarterly

Are you planning on joining the gig economy and becoming self-employed? Are you embarking on retirement after years with a traditional employer? We wish you the best, and, along with the IRS, we remind you to pay your... More>>

Shoulder Surfing 101

Do you know who's lurking over your shoulder? They might be trying to get a peek at your financial information. What is Shoulder Surfing? Shoulder surfing is when a would-be thief spies over your shoulder while... More>>

Should You Name Co-Executors in Your Will?

When it comes to planning your estate, choosing who to name as your executor is an important choice to make. Your executor will be in charge of paying your debts, navigating your estate through the probate court and... More>>

What Is an Annuity Table?

Annuities can help you plan for your retirement by providing a guaranteed source of income for you and your family when you reach your golden years. They aren’t the simplest of investments, though, and sometimes it can be... More>>

Successor Trustee: Duties, Powers and More

Setting up a trust can be great way to control how your assets are distributed to your heirs after you pass away. Trusts are in many ways more flexible than wills in managing an estate’s assets. When you’ve... More>>

Supplemental Security Income (SSI) Benefits

The Supplemental Security Income (SSI) program offered by the Social Security Administration helps older and disabled people who have a low income and limited resources. While it is oftentimes thought of in conjunction... More>>

An Introduction to Financial Planning Services

The old saying, “If you fail to plan, you plan to fail,” is a philosophy with many applications. Perhaps nowhere does it apply more, though, than to personal finance. Financial planning takes into account... More>>

A Checklist for an Executor of a Will

Serving as the executor of a will can be a time-consuming endeavor that takes up a lot of mental bandwidth. It can be hard to keep straight the various forms, procedures and duties. To make the process just a bit …... More>>

What An Executor Cannot Do

Executors have broad authority from the courts to navigate an estate through the probate process. However, there are limits on what executors can do. These limitations stem mostly from an executor’s fiduciary duty to... More>>

How To Get Tax Liens Off Your Credit Report

Tax liens are claims made on your property by a government entity for failure to pay your taxes. A lien doesn't mean your property will be seized – it just means that the agency applying the lien has the first right to... More>>

Student Loans Keeping Young People From Buying Homes

According to the New York Fed's latest Quarterly Report on Household Debt and Credit, America's student loan debt burden has reached a staggering $1.44 trillion as of September 2018. Has that burden kept younger... More>>

Series 7 Exam: Qualifications and Preparation

Passing the Series 7 exam registers you to sell and trade most securities as a financial services professional. The exam covers several topics including investment products and their potential risks, as well as regulations... More>>

What Is the Series 57 License?

A Series 57 license allows brokers to trade equities and convertible debt securities in the U.S. To obtain one, you must pass the Series 57 exam. This test covers topics like equity trading concepts and regulations around... More>>

How Chapter 13 Bankruptcy Works

Chapter 13 bankruptcy is a court-approved process that lets you create a repayment plan to cover most or all of your debt in the course of three to five years. Through this process, you can protect your home from... More>>

All the Forms You’ll Need as Executor of an Estate

When you serve as the executor of a will, you’ll need to grapple with a lot of paperwork as you coordinate the distribution of assets and property. Rest assured that whatever step of the probate process you’re... More>>

Can an Executor Of a Will Be a Beneficiary?

Serving as the executor of a will can be a bigger time commitment than many people might expect. Not only do you need to oversee the transfer of assets to the proper beneficiaries, but you also need to pay debts, …... More>>

All About Financial Independence / Retire Early (FIRE)

Financial Independence / Retire Early (FIRE) is a movement driven mostly by optimistic millennials who pledge to cut back on expenses and boost savings in order to retire as comfortably and as early as possible. But is it... More>>

What Is an Ordinary Annuity?

An annuity is a contract to guarantee a series of structured payments over time. It starts at a predetermined date and lasts for a predetermined time. There are two main forms of annuity: the ordinary annuity and the... More>>

What Is Durable Power of Attorney?

A power of attorney is a legal document that transfers control of some of your personal responsibilities to another person. There are a few basic types of power of attorney, one of which is a durable power of attorney.... More>>

All About the Duties of an Executor of a Will

The executor of a will plays a very important role in the process of closing a deceased individual’s estate. Although many think of executors as simply the people who inform heirs of what they’ve inherited, the... More>>

How to Get Health Insurance When You Retire Early

Is the thought of losing your employer-sponsored health plan keeping you from retiring early? Don’t stress. There are plenty of ways you can kick off your golden years early while still having affordable health insurance... More>>

Half Of U.S. Households Have Less Than $7,000 In Savings

Never mind what's in your wallet – what's in your savings account? A savings account is your buffer against unexpected expenses. Without sufficient savings, you'll probably rely on credit to handle financial... More>>

How to Create and Use a My Social Security Account

The Social Security Administration offers a number of programs that Americans may end up using at some point in their lives. Besides the usual Social Security retirement payments, there is also Social Security... More>>

What Is a Fee-Based Financial Advisor?

When you work with a financial advisor, you’ll generally pay them via an advisory fee. This is often based on a percentage of your assets under management (AUM). Other common fee types are flat fees and hourly fees.... More>>

Don’t Be Duped: How to Avoid Being Scammed Online

Encountering an internet scam is terrifying, dangerous, and inevitable. But you don’t have to fall for it. If you’re going to be a frequent user of the internet, you have to know how to avoid being scammed... More>>

How Do Secured Credit Cards Work? Everything You Need to Know to Get Started

What if you could get easy access to credit when you need it the most? For those with poor credit, it can often seem impossible to get a credit card in your times of need. This can make it seem like there is no way out from... More>>

The Hottest Secondary Home Markets in the U.S. – 2019 Edition

A second home can be a cherished retreat but also a savvy investment. Buying another residence in a booming housing market in particular can help diversify your holdings and introduce another way for your assets to... More>>

5 Ways Other People Can Lower Your Credit Score

Your credit score is a valuable asset that must be maintained and protected. Unfortunately, there are ways that other people can negatively affect your credit score – either inadvertently or with bad intent. Protect your... More>>

Will Congress Give You More Control Over Your Credit Report?

Another Try at Credit Bureau Regulation What happens when you discover false information on your credit report? Whether you're dealing with the aftereffects of identity theft and fraudulent accounts or a simple clerical... More>>

What Is the Series 7 License?

The Series 7 license allows professionals to sell securities in the U.S. To obtain it, they must pass a rigorous exam covering various financial topics. Financial Industry Regulatory Authority (FINRA) administers the test,... More>>

Top 11 Retirement Strategies You Need to Know

Whether you’re in your 20s and just embarking on your career path or you’re a seasoned professional ready to step into the golden years, it helps to know the top retirement planning strategies. In this article, we’ll walk... More>>

No Money, Mo’ Problems: Top 9 Different Ways to Borrow Money

Do you ever feel like you don’t have enough money for, well anything? You’re not the only one. 40% of Americans can’t cover an emergency expense, even one that’s as small as $400. If an emergency... More>>

A Chicken-Egg Conundrum: How to Establish Credit When You Have None

Did you know one in five consumers in the United States have no credit history at all? If you’re one of these people, you certainly know the consequences. Difficulty getting rental applications approved, taking out... More>>

How to Buy Stock: A Personal Finance Guide

You’ve read about the stock market, followed its ebbs and flows and you’re ready to take the plunge. Though it can be a complicated field to navigate, investing can be lucrative if you know how to do it right. ... More>>

What Is Probate? A Step-by-Step Guide to the Probate Process

Probate is the court-supervised process of validating a deceased person’s will. It involves identifying the person’s final assets, paying last debts and distributing property to the proper heirs. And while state law... More>>

Top States for Higher Education – 2019 Edition

A college degree is pricey and getting increasingly expensive: From 2006 to 2016, the cost of college tuition and fees increased by 63%, according to the Bureau of Labor Statistics. That may leave would-be undergraduates... More>>

Angler Phishing 101

Gone are the days of having to call a 1-800 number to interact with customer service teams. With the rise of social media, support is often available around the clock. If you've ever called out a company on social media... More>>

What Is Net Income and Why Does It Matter?

Net income refers to a company’s earnings minus business and operating expenses. An individual’s net income is equal to total income minus applicable deductions and taxes paid. Net income helps you understand how... More>>

Executor Fees: What You Can Expect to Pay

Some people may feel guilty about taking money for serving as the executor of a will. This is understandable, as the people you’ll be working with will undoubtedly be grieving. (Indeed, you may be grieving as well.)... More>>

Ken Fisher: Everything You Need to Know

Ken Fisher, an investment analyst and self-made billionaire, is perhaps best known for founding Fisher Investments. The financial advisor firm based in Camas, Washington manages more than $96 billion for more than 40,000... More>>

The Average Salary in San Francisco

Life is expensive in San Francisco. Arguably the current hub of innovation in America, some of the richest companies in the world call San Francisco home. These companies have brought high-paid engineers and wealthy... More>>

Should I Pay Down My Mortgage or Invest?

If you find yourself with some extra money – let’s say you got a big tax refund, or received a nice inheritance – then you’ll need to decide what to do with it. If you have a mortgage worth hundreds... More>>

The Average Salary in New York City

If you’re seriously thinking about New York City as a place to live, you’ll want to be sure that you can do so within your means. A wide range of salaries exists in the Big Apple, so it’s important to... More>>

Student Loan Survey: Borrowers Are Afraid To Refinance

By Amy Beardsley When it comes to student debt, more than half of borrowers are struggling to make their payments. Refinancing your student loan is an excellent option to lower your monthly bill or to pay less interest over... More>>

A Guide to Health Insurance for Retirees

We designed our guide to health insurance for retirees to help you explore your options quickly and efficiently. After all your hard work, you deserve to enjoy your retirement without worrying about paying for healthcare... More>>

How To Spot Identity Theft On Your Credit Report

Be honest: How often do you review your credit report? Some sources suggest that the majority of Americans check it once per year or less. If you ask us, that's a problem. Why? Because unexciting though it may be, your... More>>

What Is an Executor and How Do You Appoint One?

Although it’s never fun to think about, estate planning is an important part of life, especially as we grow older. Many people choose to create a last will and testament to dictate how to bequeath their property and other... More>>

How to Open a Roth IRA for Your Kid

Opening a Roth IRA for kids is easier than you may think. You can open one at several brokerage firms and banks. And you can manage the investments on behalf of your child. In this article, we’ll explore the benefits... More>>

What is EBITDA and How Is It Calculated?

Investing comes with risk, so it’s necessary to thoroughly research investments before you make them. One popular metric that analysts and other financial advisors use for determining the success of a company is... More>>

What Is Annuity Due?

“Annuity due” is a financial term that you may encounter when you are borrowing money, paying rent, saving for retirement or purchasing an annuity. Annuity due means that a payment is due at the beginning of the time... More>>

6 Factors to Consider When Buying a Second Home

Imagine this scenario: You work hard every day for years at a job you love. You put as much money as you can away for retirement, you support your family and live comfortably. After years of responsible behavior and sound... More>>

Military Retirement System: Benefits, Rules and More

If you’ve served your country honorably or are considering doing so, you deserve to retire with dignity. But navigating the terrain of the active duty retirement system can be tough. Ultimately, the rules depend on when... More>>

Roth 401(k) vs. Roth IRA: Which Plan is Best?

Roth IRAs and Roth 401(k)s are retirement savings vehicles that can protect your earnings from Uncle Sam when you withdraw your money in retirement. But one may be better for you depending on your needs. We’ll explain the... More>>

Free Investment Classes for Learning How to Invest

As you aspire toward a secure retirement and other financial milestones, investments become an increasingly important financial topic to know about. But those looking to gain knowledge about investing may have issues... More>>

The Best Places to Raise a Family in the Northeast – 2019

The total cost of raising a child through age 17 is nearly $234,000, according to the U.S. Department of Agriculture. That’s a whopping price tag for your bundle of joy. And the expense of having a family explains, in... More>>

2 In 5 Paid Credit Card Bills In Full Last 6 Months

Americans appear to be feeling more confident in their finances – at least with respect to their credit card payments. According to a new survey from CompareCards.com, more Americans are paying their credit card bills in... More>>

Fewer Than 1 In 5 Updated Their Withholding

The Tax Cuts and Jobs Act of 2017 cut taxes for many Americans and changed the tax bracket structure. Did you check your withholding and adjust to take any likely tax bill changes into account? According to a study from tax... More>>

A Guide to Dividend Reinvestment Plans

A dividend reinvestment plan, or DRIP, is a vehicle that reinvests the money shareholders get from companies in cash dividends. Many investors favor DRIPs because of their ease, low-to-nonexistent fees and ability to... More>>

What Is Power of Attorney and How Does It Work?

You’ll need a power of attorney if you ever end up in a situation where you can’t make your own decisions, like if you were medically incapacitated. This is a serious decision that comes with a lot of legal... More>>

Saving for College With a Coverdell ESA: Weighing the Pros and Cons

A Coverdell ESA, formerly known as an Education IRA, is a tax-advantaged savings vehicle designed to help parents pay for the educational expenses of a child under the age of 18. It offers several benefits, but it’s not... More>>

Medicare Part B: Coverage, Costs and Enrollment

Medicare is a government program that provides health insurance to senior citizens throughout the United States. There are four basic parts to Medicare, designated by letters A through D. Medicare Part B is an optional... More>>

Making Your Mark: Why Professional Branding is a Must For Yourself and Your Company

Originally posted on http://www.cbs8.com/story/39886210/making-your-mark-why-professional-branding-is-a-must-for-yourself-and-your-company   What if you’re the best in the business but no one knows it? The... More>>

Future Looks Bright! High Demand Jobs to Watch in 10 Years

Originally posted on http://www.cbs8.com/story/39892828/future-looks-bright-high-demand-jobs-to-watch-in-10-years   According to some economists, we can expect 47% of all jobs to be automated by 2034. For this reason,... More>>

An Identity Theft Victim Speaks

We've all heard the scary statistics of identity theft. In the last year: An estimated 16.7 million people were victimsIdentity theft cost Americans $17 billion (compared to a whopping $21.8 billion in 2012)The Federal... More>>

Tax Credit For The Elderly Or Disabled

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 Senior Tax Credit for the... More>>

8 Of 9 Financially Vulnerable Americans Used Tax Refunds To Pay Bills

What will you do with your tax refund? We hope you have something fun in mind, but a new survey suggests that you might use it to pay bills instead. The Center for Financial Services Innovation (CFSI) recently released... More>>

Free tax preparation

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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 help

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Top 12 Mistakes to Avoid In Tax Planning

Failure to plan is planning to fail. That phrase applies to many aspects of life, including taxes. Avoid tax-time failure with adequate planning while watching out for these 12 pitfalls. 1. Disorganization – If you have... More>>

How To File Your Taxes For Free

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 the Free File Alliance – including such familiar names as... More>>

Should couples file taxes jointly or separately?

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Married couples have the choice of filing their taxes jointly or separately. What is the best option for you and your spouse?

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9 crucial tax deductions

iStockphoto.com/JannHuizenga iStockphoto.com/JannHuizenga

Like most Americans, you probably want to get through your taxes as quickly as possible.

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Insuring jewelry 101

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For Valentine's Day, we hope you bought a thoughtful gift for your significant other. It's the thought that counts, of course, but let us give you a tip or two

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No W-2 tax form? What to do

iStockphoto.com/fizkes iStockphoto.com/fizkes

These days, you probably want to file your taxes as early as possible to prevent identity thieves from filing a false return in your name — but that requires you to have the necessary forms in hand, including W-2 forms.

More>>

  • MoneyTipsMore>>

  • What Americans Would Do To Protect Our Identities

    What Americans Would Do To Protect Our Identities

    With the massive Equifax hack of 2017, the credit bureaus have shown that they can't protect your identity. It's up to you. How far would you go to protect it yourself? Would you stop using public WiFi?...More >>
    With the massive Equifax hack of 2017, the credit bureaus have shown that they can't protect your identity. It's up to you. How far would you go to protect it yourself? Would you stop using public WiFi? Stop using...More >>
  • 13 Ways To Prevent Credit Card Fraud

    13 Ways To Prevent Credit Card Fraud

    You've taken steps to avoid identity theft, and maybe even applied a credit freeze to your credit report. You can sit back and relax, right?Wrong. You may have prevented identity thieves from opening new...More >>
    You've taken steps to avoid identity theft, and maybe even applied a credit freeze to your credit report. You can sit back and relax, right?Wrong. You may have prevented identity thieves from opening new accounts in your...More >>
  • Your Rights As An Identity Theft Victim

    Your Rights As An Identity Theft Victim

    Would you know what to do if you discovered that you were a victim of identity theft? Given the massive data breaches over the last few years, it's important that you understand your rights as an identity theft...More >>
    Would you know what to do if you discovered that you were a victim of identity theft? Given the massive data breaches over the last few years, it's important that you understand your rights as an identity theft victim –...More >>
  • BusinessMore>>

  • US housing starts slumped 8.7 percent in February

    US housing starts slumped 8.7 percent in February

    Tuesday, March 26 2019 8:41 AM EDT2019-03-26 12:41:10 GMT
    Tuesday, March 26 2019 10:21 AM EDT2019-03-26 14:21:24 GMT
    US home construction tumbled 8.7 percent in February, weakest pace of single-family housing starts in nearly 2 years.More >>
    US home construction tumbled 8.7 percent in February, weakest pace of single-family housing starts in nearly 2 years.More >>
  • Wall Street bonuses fell $30K in 2018 despite profit upturn

    Wall Street bonuses fell $30K in 2018 despite profit upturn

    Tuesday, March 26 2019 10:01 AM EDT2019-03-26 14:01:16 GMT
    Tuesday, March 26 2019 10:21 AM EDT2019-03-26 14:21:25 GMT
    New York state's comptroller says the average bonus paid to Wall Street security industry employees dipped by more than $30,000 despite an 11 percent increase in securities industry profits in 2018.More >>
    New York state's comptroller says the average bonus paid to Wall Street security industry employees dipped by more than $30,000 despite an 11 percent increase in securities industry profits in 2018.More >>
  • More aging Americans are using pot to soothe what ails them

    More aging Americans are using pot to soothe what ails them

    Monday, March 25 2019 12:11 AM EDT2019-03-25 04:11:35 GMT
    Tuesday, March 26 2019 10:03 AM EDT2019-03-26 14:03:05 GMT
    (AP Photo/Jae C. Hong). In this Feb. 19, 2019 photo, a group of retired seniors from Laguna Woods Village form a line outside Bud and Bloom cannabis dispensary to attend a presentation organized by cannabis product vendors in Santa Ana, Calif. More Ame...(AP Photo/Jae C. Hong). In this Feb. 19, 2019 photo, a group of retired seniors from Laguna Woods Village form a line outside Bud and Bloom cannabis dispensary to attend a presentation organized by cannabis product vendors in Santa Ana, Calif. More Ame...
    (AP Photo/Jae C. Hong). In this Feb. 19, 2019 photo, a group of retired seniors from Laguna Woods Village form a line outside Bud and Bloom cannabis dispensary to attend a presentation organized by cannabis product vendors in Santa Ana, Calif. More Ame...(AP Photo/Jae C. Hong). In this Feb. 19, 2019 photo, a group of retired seniors from Laguna Woods Village form a line outside Bud and Bloom cannabis dispensary to attend a presentation organized by cannabis product vendors in Santa Ana, Calif. More Ame...
    More Americans in their 70s and 80s are adding marijuana use to the roster of senior activities.More >>
    More Americans in their 70s and 80s are adding marijuana use to the roster of senior activities.More >>
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