Financial New for Everyone
By Sandra Hayes It is always a challenge to build credit when you don’t have a transaction history. If you’re over 40 and recovering from a bankruptcy or other adverse financial solutions, it can feel impossible to improve your situation. There are ways to build credit, whether you’re just getting started or trying to recover after a few …
By Sandra Hayes For many homeowners, the idea of taking out a second mortgage on a property is a scary experience. Instead of having one debt obligation to manage, you’ve got two. Although it doesn’t make sense in every situation, there are times when it could save you some money. You’ll want to evaluate the offer of a …
By Sandra Hayes If you don’t have a great credit score, it can be challenging to secure a loan for a new or used vehicle. That’s why you’ll see some dealers advertising the fact that they don’t perform credit checks. Although this option seems like an easy way to get the wheels you need, it could cost you …
By Sandra Hayes Although we’ve known about payday loan scams for more than a decade, it still costs consumers over $500 million in each. The scam works like this: you’ll get a call pretending to be a collection agency representative. That person says you need to pay your outstanding balance on a payday loan. You’ll get asked to …
By Sandra Hayes Most people don’t want to ask for money. It’s hard to admit to oneself that help is needed to get through the next few days. However, a few friends and family might constantly ask for help. Although you want to help out the people you love, it might be better to refuse to lend someone …
By Sandra Hayes The financial consumer services industry is one of America’s most competitive spaces for work. That means you can earn a lucrative income when you can find employment, but you’ll be competing against some incredibly talented candidates. Here are the places you’ll want to look if you’re going to expand your income-generating opportunities this year. 1. …
By Sandra Hayes If you want to make some extra cash this summer for a long overdue vacation, it makes sense to invest in some business opportunities. Although you could focus on stocks, bonds, or certificates, the income from those investments would get taxed at a high rate. You must hold onto those products for at least 12 …
By Sandra Hayes One of the advantages that come with an electric vehicle or a plug-in hybrid is the option to get a tax credit. You’re also reducing the amount of fuel that you use, thereby reducing the greenhouse gas emissions that get produced. Although an electric vehicle’s cost can be significantly higher, several tax breaks are often …
By Sandra Hayes Whether you’re a sole proprietor, LLC, or corporation, April is tax month. Although you can file for an extension, the U.S. government isn’t changing the deadline this year. You’ll need to have everything ready to go for your business by April 15. If you operate on a different fiscal year, the IRS needs you to …
By Sandra Hayes If you have some extra money in your pocket after everything that happened in 2020, consider yourself lucky. Almost 10 million people in the United States face an increased risk of eviction and foreclosure because their jobs and opportunities evaporated due to the coronavirus pandemic. When you have money available to invest, you can achieve …