Money: Personal Finance, Business, Small Business news features

Credit 101: Definition, Scoring, Reports and More

Credit is one of the most important aspects of a person’s financial life. Your credit score affects your ability to get loans, credit cards, apartments and more. There are several components to credit that have an... More>>

Bankruptcy Basics: How to File, Types, and More

Bankruptcy is a way for an individual or business to have their debts legally discharged in the event that they cannot pay them. For example, if your home is being foreclosed upon or your debts have built up to the …... More>>

To succeed in real estate, start smart

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16 Apps To Save Money on Car Expenses

Photo by Pixabay Originally Posted On: https://yourmoneygeek.com/apps-save-money-car-expenses/ More>>

It’s Time to Start That Side Hustle. Here’s How.

Photo by Corinne Kutz Originally Posted On: https://www.revgenius.com/mag/its-time-to-start-that-side-hustle-heres-how More>>

Joe Biden’s Healthcare Plan Explained

Healthcare was already one of the most high profile and contentious political issues in America, but since the COVID-19 pandemic began it has become even more of a pressing topic. Donald Trump tried and failed to repeal... More>>

What Is a Non-Recourse Loan?

A non-recourse loan is a type of debt that’s secured by collateral, such as an individual’s car, house or another typically illiquid asset. By securing a non-recourse loan, the lender won’t have the... More>>

What Is the New York Stock Exchange (NYSE)?

The New York Stock Exchange, or NYSE for short, is the world’s largest and most famous stock exchange. The total market capitalization of all of its listed securities totals over $25 trillion. The NYSE is located in... More>>

What Is IRS Form 1099-MISC?

If you’re a contractor, freelancer or another type of self-employed individual, you’ll likely need to file IRS Form 1099-MISC. This form is used to report non-employee compensation, and it is part of the 1099... More>>

What Is an Excellent Credit Score?

A credit score of 800 or above typically falls into the “excellent” category. There are many benefits associated with this tier of credit score. For example, an excellent credit score means you’re more... More>>

Why Become a KadimaOBP Affiliate?

Originally Posted On: https://kadimaobp.com/why-become-a-kadimaobp-affiliate/ More>>

Liquidity Risk Definition

Investing is naturally a risky proposition, and there are specific types of risk to be aware of when deciding where to put your money. Liquidity risk is one of them. Broadly speaking, it refers to how easily an asset can... More>>

Debt-to-Capital Ratio Definition

When deciding which companies to invest in, you can use several ratios to gauge their financial health. Debt-to-capital ratio is a way to measure a company’s ability to withstand downturns based on how its debt... More>>

Explaining the Different Types of Insurance Fraud

Insurance fraud can occur during any stage of the insurance transaction by any party involved. This means that applicants, policyholders, third-party claimants, professionals who provide services to claimants, insurance... More>>

What Is Owner’s Equity?

Owner’s equity is the value of a business that the owner can claim, and it consists of the firm’s total assets minus its total liabilities. Both the amount of owner’s equity and how much it has changed... More>>

What Is a Vesting Period?

A vesting period is the time an employee must work for an employer in order to own outright employee stock options, shares of company stock or employer contributions to a tax-advantaged retirement plan. Vesting periods... More>>

How Long Does It Take to Become a Homeowner? – 2020 Edition

Whether due to societal changes or lack of savings, many Americans have delayed homeownership. According to a National Association of Realtors report, the median age of first-time homebuyers in 2019 was 33 years old, three... More>>

The Best REITs to Buy Right Now for Recession Protection

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States with the Strongest Unions – 2020 Edition

Unions can be a great way for workers to gain power in the workplace and make sure they are treated and compensated fairly. Overall, union participation rates in the U.S. are down: In 2018 the rate was 10.5%, while in... More>>

ESG Investing – The Best Way to Have an Impact on the Environment

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Joe Biden vs. Donald Trump: Tax and Economic Policies

Though the COVID-19 pandemic has eaten up most of the political headlines this general election season, the contest of Joe Biden vs. Donald Trump does feature a number of deep differences in other areas beyond the public... More>>

Term Life Insurance vs. Whole Life Insurance

Term life insurance offers coverage for a specific amount of time, while whole life insurance provides lifelong coverage and the potential for a cash value accumulation. When you pass away, your family can use the proceeds... More>>

Fastest-Growing Jobs for Women in America – 2020 Edition

Between 2015 and 2019, the total American workforce grew by about 8.7 million workers, with 4.4. million women and 4.3 million men securing employment. Though female and male workers joined the workforce at almost equal... More>>

How to Get a Free Credit Report

When it comes to your personal finances, knowing about your credit profile is extremely important. It can determine whether you’re accepted for a home loan, an auto loan, a credit card, rentals, insurance policies or... More>>

What Is a Public Benefit Corporation?

Public benefit corporations, also known as benefit corporations, are for-profit businesses whose charters commit them to social or environmental missions, not just maximizing shareholder value. These corporations take into... More>>

What Is EDGAR?

EDGAR, which is short for Electronic Data Gathering, Analysis and Retrieval system, is a massive U.S. government database on the finances of publicly traded corporations that is free to the public. Overseen by the... More>>

How Do Social Security Survivor Benefits Work?

Social Security benefits can serve as an additional income stream for retirement, but they can also be paid out under other circumstances. For instance, Social Security survivor benefits can be paid to the widows, widowers... More>>

What Is a Social Security Number?

If you’ve ever applied for a credit card or completed a job application, you’ve probably been asked for your Social Security number. This unique nine-digit number issued by the Social Security Administration is... More>>

Joe Biden’s Tax Plan Explained

Tax policy is one of the more inscrutable parts of American politics, yet it’s one of the areas that impacts the most people on a day-to-day basis. Former Vice President Joe Biden, the Democratic presidential... More>>

What Is Seed Capital?

Seed capital refers to funds raised to start a business. Also referred to as seed money, seed funding or startup capital, it enables entrepreneurs to transform a viable business idea into a new product or service. While... More>>

What is the Average Cost of Supplemental Insurance for Medicare

Photo by pina messina Originally Posted On: https://medicarewire.com/blog/what-is-the-average-cost-of-supplemental-insurance-for-medicare/ More>>

11 Simple Living Stingy Tips To Reach Your Goals

Photo by Karolina Grabowska Originally Posted On: https://arrestyourdebt.com/living-stingy-tips/ More>>

5 Reasons Your Doctor Has a Side Hustle

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How Do Small Personal Loans Work?

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9 Unique Investments You’ve Never Heard of – Until Now

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A Straightforward Guide to the Different Types of Health Insurance Coverage

Photo by Hush Naidoo Originally Posted On: https://www.elmens.com/health/a-straightforward-guide-to-the-different-types-of-health-insurance-coverage/ More>>

How to Get a Loan as a Young Adult

Photo by Alexander Mils Originally Posted On: https://www.notadulting.com/post/get-a-loan-as-a-young-adult More>>

Online Sweepstakes Gaming From The Comfort Of Your Couch

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Best States for Homeowners – 2020 Edition

With mortgage rates falling and a renewed emphasis put on living space during COVID-19, U.S. home sales have boomed. Data from the National Association of Realtors shows that sales of previously owned homes increased by... More>>

Cities Where Renters Can Afford to Live Alone – 2020 Edition

In 2018, the median monthly rent for a studio was $891 while the median rent for a one-bedroom rental was $911. This means that the average renter living alone in America spends upwards of $10,600 every year on rent, even... More>>

Meet the Masters – Kevin Lewis Discusses Markets and Investment Strategies

Photo From Olde Raleigh Financial Group Originally Posted On: https://olderaleighfinancial.com/meet-the-masters-kevin-lewis-discusses-markets-and-investment-strategies/ More>>

How To Get Rid Of IRS and State Tax Penalties

Photo by Todd Robert Originally Posted On: https://taxfortress.com/how-to-get-rid-of-irs-and-state-tax-penalties/ More>>

Medigap vs Medicare Advantage: What’s the Difference?

Photo by Marcelo Leal Originally Posted On: https://newswire.net/newsroom/blog-post/00123591-medigap-vs-medicare-advantage-what-s-the-difference.html More>>

How Does High-End Real Estate Financing and Asset Financing Work for Luxury Homes?

Photo From stock.adobe Originally Posted On: https://www.shearwateraero.com/how-does-high-end-real-estate-financing-and-asset-financing-work-for-luxury-homes/ More>>

Set for Life Summit by Teeka Tiwari: Pre-IPO Biotech Boom

Photo by Headway Originally Posted On: https://www.streetinsider.com/CDN+Newswire/Set+for+Life+Summit+by+Teeka+Tiwari%3A+Pre-IPO+Biotech+Boom/17302465.html More>>

Forex.com vs XM – Compare FCA UK Trading Brokers

Photo by Chris Liverani Originally Posted On: https://fxdailyreport.com/forex-com-vs-xm/ More>>

How do we use fear as motivation to start a business

Photo by Tyler Franta Originally Posted On: https://businessforfamily.com/how-do-we-use-fear-as-motivation-to-start-a-business/ More>>

Micro-Investing: How To Start Investing With As Little as $5

Photo From iStock Originally Posted On: https://www.zeroeffortcash.com/save-money/what-is-micro-investing/ More>>

10 Important Facts About The End Of The Bull Market

Photo by Jared S. Originally Posted On: https://hilltopwealthsolutions.com/10-important-facts-about-the-end-of-the-bull-market/ More>>

3 Things You Need to Know to Sell Your House Fast

Photo by Tierra Mallorca Originally Posted On: https://property-lobster.com/blog/3things-sell-fast/ More>>

Self Review 2020: Credit-Builder Loans and Cards

Self, formerly known as Self Lender, is a financial services company that offers two different products aimed at helping customers with bad or little credit. Its premier offering, called the Credit Builder Account, allows... More>>

How to Trade the Cup-and-Handle Pattern

A cup-and-handle pattern is the name of a chart pattern used in technical analysis that describes a bullish continuation trend in the price of a security, typically a stock. Traders sometimes use this pattern as a signal... More>>

Top 10 Ways to Save for Black Friday Shopping

Photo by Ashkan Forouzani Originally Posted On: https://yeswecoupon.com/top-10-ways-to-save-for-black-friday-shopping-2/ More>>

What Is a Stock Warrant, and How Do They Work?

A stock warrant is a type of derivative that gives the holder the right to buy a share of a company for a specific price within a set window of time or on a specific date. Companies will often issue … Continue... More>>

Guide to the Put-Call Parity

One of the most important principles in options trading is known as put-call parity. The term describes a functional equivalence between a put option and a call option for the same asset, over the same time frame and on... More>>

5 Ways to Recession-Proof Your Finances

Photo from Deposit PhotosOriginally Posted On: https://myfasttermquotes.com/recession-proof-your-finances/With the threat of an economic downturn at hand, we understand your financial fears. This post addresses those... More>>

4 Key Benefits of Affiliate Marketing To Start Your Online Business

Photo by Campaign Creators Originally Posted On: https://theodorehenderson.com/2020/07/08/4-key-benefits-of-affiliate-marketing-to-start-your-online-business/ More>>

How to Start and Make Money with Online Stores

Photo by Pepi Stojanovski Originally Posted On: https://theodorehenderson.com/2020/05/03/how-to-start-and-make-money-with-online-stores/ More>>

IRS Notice 2014-19: Further Recognition for Same-Sex Married Couples

Photo by daniel james Originally Posted On: https://smartestateplans.com/irs-notice-2014-19-recognition-sex-married-couples/ More>>

What Are Basis Points (BPS)?

When analysts talk about changes to market prices, interest rates or other financial metrics, they often do so in terms of “basis points.” A basis point is equal to a change of 0.01%, useful shorthand in an industry where... More>>

The Fear and Greed Index: Definition and Examples

Investors have two primary emotions, fear and greed, according to CNN Money. The news service believes in this so much that it has created a metric around the idea. The Fear and Greed Index measures how investors across... More>>

What Is a Covered Call?

A covered call is an investment strategy designed to manage risk. In it, investors take two positions: First, they buy a number of shares in a given company. Then, they sell an equal number of call options on that stock.... More>>

Can Your Social Security Benefits Be Garnished?

Social Security benefits can be garnished depending on the type of payments and debt you owe. These deductions are usually carried out for financial liabilities such as back taxes, student loans, child support payments and... More>>

What Is a Regressive Tax System?

If you’re paying less in taxes as your taxable income increases, you’re likely following a regressive tax system. Regressive taxes offer an inverse relationship between income levels and tax rates; that is, a... More>>

Cities Where Worker Burnout Is Most Likely – 2020 Edition

The days of the strict 40-hour workweek, with weekends and evenings spent relaxing, are a distant memory for many people. According to Bureau of Labor Statistics (BLS) data from 2019, more than 10 million Americans work at... More>>

Most Bike-Friendly Cities in America – 2020 Edition

If you’re able to do so, biking can be a great way to get around. Besides the physical benefits, this mode of transportation is great for the environment and generally requires you to have less of your money set aside... More>>

Small Business Investment Company (SBIC): Definition and Usage

Small business investment companies (SBICs) are Small Business Administration-licensed and regulated companies that provide funding to small businesses in certain sectors. These companies rely on both internal funds and... More>>

How Does a Progressive Tax System Work?

You’re probably adhering to a progressive tax system if you’re paying more in taxes as your taxable income increases. With progressive taxes, there’s a direct correlation between income level and tax... More>>

How Long Does the Underwriting Process Take?

If you’re planning on financing a home through a mortgage, you’ll have to go through the underwriting process. The underwriting process helps mortgage lenders and loan officers review your credit and financial... More>>

When Is Open Enrollment for 2020?

Open enrollment represents the yearly period where employees enroll in employer-sponsored insurance and healthcare plans. During this period, employees typically have the power to select new coverage, change their current... More>>

Should Your Business Get a Merchant Cash Advance?

A merchant cash advance (MCA) is an alternative form of financing for companies that need cash fast but lack credit and, thus, access to conventional business loans. Although credit rating and collateral requirements for... More>>

A Guide to Social Security Survivor Benefits

Married couples often share their income both while working and in retirement. However, when one spouse dies, the other might still rely on the deceased’s income. This is where Social Security surviving spouse... More>>

How to Get a Business Loan in 8 Steps

Many businesses and entrepreneurs borrow money at some point to cover various costs. While going into debt has a bad reputation in some circles, business loans are time-tested tools for achieving business success. If the... More>>

Risk-Free Rate: Definition and Usage

When building an investment portfolio, finding the right balance between risk and reward is essential for meeting your goals while keeping losses in check. One investing term you may have come across is the risk-free rate... More>>

Operating Income: Definition & Calculation

Operating income is a value that is used to demonstrate a company’s profitability after it has deducted other costs such as cost of goods sold (COGS), employee wages and other operating expenses. This measurement... More>>

What Is Per Diem, and How Is It Taxed?

If you’re traveling for business reasons, you’ll probably incur lodging, meal and incidental expenses. This is where per diem payments come in. Your employer provides these as reimbursement for such expenses,... More>>

What Does a Cosigner Do?

If you meet a lender’s credit and income requirements, you’ll normally have free rein to take out loans on your own. But in circumstances where your credit levels aren’t high enough, or if you have no... More>>

Is Child Support Taxable Income?

Any child support payments you’ve received won’t be counted as taxable income. And if you’re the one making the child support payments, the income you used to do so won’t be tax deductible. But... More>>

6 College-Bound Money Moves

Many colleges across the country have announced plans to begin the year with virtual or hybrid learning models, but that doesn’t mean students are off the hook from buying supplies and other gear. In fact, the National... More>>

Cities With the Most Financial Stress – 2020 Edition

According to a recent poll from the National Endowment for Financial Education, nearly nine in 10 Americans say COVID-19 has triggered stress on their personal finances. Money – or lack thereof – creates... More>>

Best State Capitals to Live In – 2020 Edition

In light of the COVID-19 crisis, many individuals are reconsidering where they live. According to a July 2020 Pew Research Center study, about a fifth of U.S. adults moved due to coronavirus or know someone who did. For... More>>

10 Great Ways to Stretch your Summer Travel Dollar

Like most people, you have probably had enough of the cold weather and are looking forward to your summer vacation – but cannot afford to spend too much on it. How can you make the most of your summer travel dollar and... More>>

Six Cheap Ways to Entertain the Kids This Summer

Parents, how's your summer going? Enjoy a fun family vacation or staycation? Ready for school to start? As we approach summer's halfway point, you may be tired of working as a full-time entertainment director and... More>>

Staycations 101

Want to take a family vacation, but worried about the costs? A stay-at-home vacation ("Staycation") can be a fun and money-saving alternative to dealing with that thrilling extra security search at the airport, or packing... More>>

7 Summer Road Trip Budget Tips

Many U.S. households have put a pause on air travel due to the COVID-19 pandemic and families are instead hitting the open roads to enjoy a getaway while staying safe and saving money this summer. In fact, AAA forecasts that... More>>

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  • Survey: Nearly 2 In 3 Have Lost Or Had Stolen Their Wallet

    Survey: Nearly 2 In 3 Have Lost Or Had Stolen Their Wallet

    Have you ever experienced that sinking feeling when you reach in your pants or purse for your wallet, and it's gone? You're not alone. According to an exclusive MoneyTips survey, 62% of respondents have had...
    Have you ever experienced that sinking feeling when you reach in your pants or purse for your wallet, and it's gone? You're not alone. According to an exclusive MoneyTips survey, 62% of respondents have had their...
  • Best States to Die In... For Taxes

    Best States to Die In... For Taxes

    Does your ability to pass on your wealth to your heirs depend on where you live ... and die? Indeed, it does. Federal estate taxes apply no matter where you live within the U.S., but eighteen states subject their...
    Does your ability to pass on your wealth to your heirs depend on where you live ... and die? Indeed, it does. Federal estate taxes apply no matter where you live within the U.S., but eighteen states subject their citizens to...
  • Proposed Law Stops Auto Insurers Using Credit Scores To Set Rates

    Proposed Law Stops Auto Insurers Using Credit Scores To Set Rates

    Another Use for Your Credit Score You probably know that your credit score affects the interest rates you'll pay for credit cards and loans. Did you know that your credit score could also affect your auto...
    Another Use for Your Credit Score You probably know that your credit score affects the interest rates you'll pay for credit cards and loans. Did you know that your credit score could also affect your auto insurance...
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