If popular culture TV shows and films has taught the public anything, its that its practically a God-given right to steal anything not nailed down in a hotel room. After all, you paid for the room. Why not? Not so fast. Many items, like hangars, TV remotes, coffee machines, towels, and sheets, are a hassle […]
More than 61% of Americans say they want to cash or a gift card for Christmas. Yet more than a third of of consumers end up with a partially used or unredeemed gift card, according to a Bankrate study. About half of all consumers have a gift card or store credit worth about $167. That […]
On December 20, 2019, Congress passed legislation enacting sweeping changes to the provisions governing qualified retirement savings plans. The Setting Every Community Up for Retirement Act (SECURE) modifies many existing aspects of retirement plans to address the realities that people are now working and living longer. Some of the more notable provisions of the new […]
Mortgage rates have come down significantly, creating attractive refinance opportunities for millions of American homeowners. The prospect of lower monthly payments can make it tempting to go ahead with refinancing your mortgage. However, before you make a decision, keep the following considerations in mind: In general, if mortgage refinance will bring down your existing interest […]
Cruises offer a fantastic way to explore different destinations while enjoying luxurious amenities and entertainment. However, the cost of a cruise vacation can quickly add up, including accommodation, meals, onboard activities, and excursions. Fear not! In this blog, we will share some valuable tips and tricks to help you save money on your dream cruise […]
Many individuals who tire of paying high state income taxes seek relief by moving to lower-tax states, such as Florida, Tennessee, Wyoming or Nevada. Of course, taxes are never quite so simple. Indeed, there are numerous state-level tax traps for the unwary. Tax changes enacted in 2017 capped the deductibility of state and local taxes […]
The only thing that Americans like more than hoarding or watching TV shows about other people who hoard is shows about looking for treasure in abandoned storage units. We hoard mountains of stuff. The storage unit industry is worth $38 billion. There are over 50,000 self-storage unit facilities in the United States alone. In comparison, […]
From 2011 to 2018, would-be entrepreneurs Jeff and Paulette Carpoff of Bencia, California developed a mobile solar generator business that attracted the attention of numerous big-name investors in the corporate world. Federal investigators charged that it was all an elaborate Ponzi scheme. The Carpoffs were alleged to have bilked more than $1 billion from the […]
A health savings account is a dedicated savings account that can only be used to pay for health and medical care-related services. As long as you use the money in the HSA to pay for medical or health-related services, then all withdrawals are tax-free and tax-deductible when applicable. And as long as the money sits […]
Many Americans rely on Social Security alone to get them through retirement. Preparing and saving money for retirement can be a daunting task for many Americans. It takes decades and prudent financial planning to prepare for retirement. You could probably get by on Social Security alone, but you would have no room for financial error. […]
