Homeownership is considered by many to be part of the American dream, and a sign of success and prosperity. But, in a recent survey of American small business owners, 37% said that owning a home (and a car) is an outdated part of the American dream. Another national poll from The Los Angeles Times and Reality Check Insights found that only 45% of Americans believe owning a home is essential....
Asking for a raise can be a nerve-wracking experience. You know you run the risk of not getting the amount you want, or having your request rejected outright. However, if the latter does end up happening, this doesn’t mean it’s the end of the conversation. Here’s what to do if your request for a raise gets rejected. By Gabrielle Olya What To Do If Your Manager Says the Salary Is Set by HR or the Employer Your manager may say it is not possible to raise your salary because a cap has been set by human resources or by corporate limitations....
It’s hard to imagine that any government program touches the lives of more Americans than Social Security. The bedrock of retirement for most of the country, Social Security paid monthly benefits to 65 million people in 2020, according to the Social Security Administration (SSA). Most, about 49 million, were retirees and their families, but the program also sustains disabled workers, families that lose a parent or spouse and other vulnerable populations....
Since March 20,2020 the office of Federal Student Aid has been providing temporary relief on federal student loans by suspending payments, stopping collection on defaulted loans and charging 0% interest. Through several extensions by way of the Coronavirus Aid, Relief and Economic Security Act, these privileges have been extended until at least September 20. By Georgina Tzanetos See: How To Refinance Your Student LoansFind: The College Student’s Guide to Smart Student Loan Borrowing...
Launching its first cloud solution 2019, ThoughtSpot boasts granular data, real-time reporting, and on-the-go insights via its app. ThoughtSpot offers: By Katy Hebebrand Competitors How ThoughtSpot Compares Global Considerations About IPOs IPO Terms Risks What Sets ThoughtSpot Apart Productivity apps SaaS apps Data science ThoughtSpot app Custom IT apps Cloud data Currently a privately owned company, ThoughtSpot is looking to become a publicly traded company sometime in the near future. It announced a record 108% revenue increase for the fiscal year that ended January 31, 2020....
In some parts of the world, cash is still king and the average person doesn’t make a purchase unless they have enough cash on hand. There was a time when the U.S. was like that, too, but things have changed drastically over the past several decades. By Bob Haegele It was once considered somewhat taboo among Americans to buy things with credit. But these days it’s much more common, and now, people buy just about anything you can imagine with it....
Whether you’re a new or long-time Swagbucks user, you might be wondering what Swag Codes are and how they work. Keep reading to learn how to find Swag Codes and how you can use them to help you earn rewards on the platform. By Lydia Kibet About Swag Codes Finding Swag Codes Redeeming Swag Codes Tools for Finding Codes See: 3 Easy Tips To Turn Your Credit Woes Into Wows...
For horse racing fans, the Kentucky Derby — often dubbed “the most exciting two minutes in sports” — is the ultimate. The 148th edition, on the hallowed grounds of Churchill Downs in Louisville, Kentucky, is set for May 7, with more than 150,000 people expected to attend. By Jami Farkas Discover: 15 Worst States To Live on Just a Social Security Check And: 20 Best Places To Live on Only a Social Security Check...
There are several ways to fund a small business including taking out a loan, applying for a grant and receiving capital from investors. Another alternative is bootstrapping. Here’s what small-business owners need to know about what it means to bootstrap a business and the pros and cons of this alternative means of funding. By Heather Taylor Here It Is: Our 2022 Small Business SpotlightRead More: 7 Things You Should Never Do When Planning For Retirement...
For most buyers, purchasing a home means taking out a mortgage loan. But a mortgage isn’t the only way to secure a home loan. In some states, you’ll use a deed of trust instead. By Daria Uhlig What It Is How It Works Trust Deed vs. Mortgage Trust Deed vs. Title Trust Deed vs. Warranty Deed Keeping reading to learn what a deed of trust is and how it works....
Tiny homes are the physical embodiment of the minimalist mentality. Just enough space — no more — and just enough stuff, as well. No room for clutter, no place for material excess. By Andrew Lisa The minimalist money mindset is nothing more than a tiny house for your cash. Follow Along: 31 Days of Living RicherExplore: Is Minimalist Living Right for You? Money minimalists seek for their finances the same thing tiny house owners seek for their personal living space — an orderly and organized system where everything is accounted for, nothing is wasted and the minimalist ends up happier and more fulfilled with less....
Whether you’re planning to host guests or take a trip to see friends and family, it’s important to know proper etiquette rules surrounding who should pay for food during the visit. This can help avoid awkwardness and frustration that causes someone — likely the host — to feel they’ve been taken advantage of. By Jennifer Taylor Check Out: 5 Affordable Places To Retire Near the BeachSNAP Schedule: When Can I Anticipate August 2022 Payments?...
By Selena Fragassi See: 25 Sneaky Car Dealership Tricks To Avoid at All CostsFind: 3 Easy Tips to Turn Your Credit Woes into Wows According to the U.S. Department of Health and Human Services, 2022 enrollment for the program, which provides comprehensive health insurance plans for those who are not eligible for options through employer-provided plans, hit a record high of 35 million this past April. That includes those who took advantage of the Medicaid expansion, Health Insurance Marketplace coverage and the Basic Health Program adopted by some states....
Our furry companions are everything to us, but they tend to rack up quite a bill, especially amid inflation. A recent Forbes study found that 63% of pet owners said inflation has made it more difficult to pay a surprise vet bill. A report from Rover found that 71% of pet owners have seen the cost of pet food and treats, toys and vet visits go up this past year. Turns out that pet owners who itemize their tax deductions might be able to offset some pet-related costs by writing them off come tax filing time....
Every year brings something new to U.S income taxes, and 2023 will be no different. Typically, federal income tax brackets and standard deduction amounts are among the items adjusted annually for cost-of-living increases. These adjustments reflect the average Consumer Price Index for All-Urban Customers, which grew at an annual rate of 6.5% in December 2022 — the lowest inflation rate of the year. By Vance Cariaga Soaring inflation in 2022 means you will see a bigger-than-usual spike in the 2023 standard deduction amount....
One of the most popular ways to get people to sign up for a new credit card is enticing them with bonuses. However, those bonuses are often tied to a minimum amount spent within a certain period of time. Both the amount and the window of time attached to it can vary significantly from card to card, but sometimes reaching that spend amount can prove to be a bit of a challenge....
Stimulus payments issued by the government in 2020 and 2021 amid the COVID-19 pandemic helped some Americans through rough financial times and allowed others to build savings accounts. Now that the vaccines and public health measures seemingly have tamed the virus, no more stimulus funds apparently are in the pipeline. You might never receive a stimulus payment again — or at least not in the foreseeable future. Here are five reasons why....
Despite crypto’s overwhelming association with men, 82% of women who own cryptos are likely to purchase them again, a new Bakkt study found. By Yaёl Bizouati-Kennedy See: Top 4 Cryptocurrencies To Consider Buying in MarchFind: What Is the Crypto Fear and Greed Index? The study, “Women & Crypto,” released in connection with Women’s History Month, examined attitudes toward cryptocurrency among women, who both own and do not own crypto, and how it differs from men who own it....
Just a week before the student loan repayment pause was set to expire on August 31, the Biden Administration announced new relief on Wednesday, Aug. 24. By Selena Fragassi See: Student Loan Repayments Would Be ‘Catastrophic’ for These Struggling FamiliesLive Blog: Student Loan Cancellation and Payment Pause As expected by many, the Biden Administration Student Loan Debt Plan extended the pause through the end of the year, with no repayments for any borrowers due until after December 31, 2022....
Buying a car during the past few years has presented many challenges to consumers. Between a chip shortage that left a huge void in the market, higher markups due to increased demand and the competition for electric vehicles as tax credits come online, the race for a new vehicle has gone from 0 to 60 in no time. By Selena Fragassi See: How 2023 Recession Will Differ From 2008 and How You Should Prepare DifferentlyRead: 3 Ways Smart People Save Money When Filing Their TaxesThe Future of Finances: Gen Z & How They Relate to Money...
