Dentists tend to face a distinct set of tax considerations. Most earn high incomes, own practices that generate business deductions, and regularly purchase equipment — all of which can significantly affect their tax liability. Dental practices are also classified as specified service trades or businesses (SSTBs) under federal tax rules,…
Key takeaways Amazon offers multiple payment plans, including Amazon Monthly Payments with no interest or fees, and credit card options for longer payment periods. Flexible payment plans offered by third-party companies, such as Affirm and Klarna, are also available for Amazon purchases. It is important to carefully consider which payment…
Key takeaways The best time to refinance is when your credit score or overall financial situation has improved. Generally, you should aim to either lower your interest rate or your monthly payment — preferably both. Avoid refinancing when auto loan rates are high or if you won’t be able to…
Anderson Coelho/Getty Images Key takeaways You can use a personal loan to finance a used car if conventional financing isn’t available or if you can’t qualify for an auto loan. Rates can be higher and repayment terms shorter, compared to traditional auto loans. You may be able to avoid repossession…
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Last year, on the day before Tax Day, my mom was scheduled to fly into Philadelphia International Airport to stay…
The nation’s 75 million Social Security recipients will receive a 2.8% cost of living adjustment (COLA) increase in their benefits…
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Key takeaways Bad credit auto loans are offered by banks, credit unions, online lenders and dealerships. Shop around to find the best deal on an auto loan for your budget and credit profile. If approved, an auto loan can help improve your credit — provided…
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You’ve accomplished the first step on the road to financial recovery after being entrenched in debt. So, what’s next? For starters, you’ll want…
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For fintech startups, the first five years of the decade have been a roller-coaster ride. At the outset, companies were awash in easy…
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If you received a big tax refund this year, it might feel like a bonus. But it usually means you paid more in taxes throughout the year than necessary. Instead of waiting to get that money back as a refund, adjusting your W-4 can help you keep more of it…
Key takeaways A debt consolidation loan is primarily meant to save money on interest — usually by securing a lower APR and a shorter payoff timeline. Bad credit debt consolidation loans may not be as effective due to the higher interest rates, but one can still simplify your monthly payments.…
Key takeaways SBA loans have set maximum interest rates, making them a flexible and affordable business lending option. It can take 30 to 90 days for SBA loan approval and funding. Be sure to find an SBA lender with experience and volume in loan applications so you can have a…
Variable annuities can be powerful tools for retirement planning. They provide guaranteed income options with tax-deferred growth that few other products can match. However, they are also complex, layered contracts that carry real risks. Therefore, the stakes for consumers are high. That complexity is exactly why variable annuities merge two…
Key takeaways Home equity is the difference between your home’s value and the amount you still owe on your mortgage. It represents the paid-off portion of your home — the amount you own outright. Your home equity can increase through making mortgage payments and home improvements, or as local property…
Variable annuities are often sold on the promise of one compelling idea: you can participate in market gains without bearing the full risk of market losses. It’s an attractive pitch, especially for investors approaching retirement who can’t afford a major setback. However, the word “guarantee” inside a variable annuity contract…
Key takeaways Getting approved for a HELOC or home equity loan isn’t easy, with nearly half of applications denied. Poor credit, a high debt-to-income ratio or a large outstanding mortgage balance may contribute to being rejected for a HELOC or home equity loan. If you are denied, paying down…
Key takeaways There are ways to get out of a car title loan, including paying off the loan in full, negotiating with the lender or refinancing with a lower-cost loan. Defaulting on a car title loan can have serious consequences, including repossession of your vehicle and damage to your credit…
Planning for retirement can be a challenge for families who are balancing everyday expenses, raising children and sometimes even supporting aging parents. With so many financial priorities competing for attention, long-term goals like retirement can easily fall to the background. But with the right strategies and planning approach, families can…
Key takeaways Before applying for a debt consolidation loan, check your credit score, decide how much you want to consolidate and crunch some numbers. It’s crucial to compare lenders and pick a debt consolidation loan that either lowers your monthly payment or reduces the total amount of interest you pay.…
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