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Personal Finance


  • Homeowners

    6 Things You Need to Investigate Before You Buy a HouseMortgages, Personal Finance

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    If you’re in the market to buy a house, you already know you need a real estate agent, a mortgage lender, a down payment and, well, a house to buy. While finding the right house can be a tough but exciting challenge, it can also be full of heartbreak. You might find a beautiful home, but, surprise, it needs a lot of expensive work you didn’t initially see — a new roof, a new furnace or a tall fence since […]

  • Tax return

    5 Things You Can Do Now to Get a Tax Refund Next YearPersonal Finance

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    If you aren’t getting a tax refund this year, it might be a good idea to sit down now and figure out what adjustments you can make to ensure you do get one next year. Here are five things you can consider to help make that happen. 1. Adjust Your Withholdings If you’re truly looking to get a payout come April, you may want to adjust your withholdings with your employer so you pay more […]

  • Housing wealth

    Can’t Find an Affordable Home to Buy? Here’s WhyPersonal Finance, Money

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    If you’ve been searching for a new home, whether to buy your first or “trade up” into a larger or fancier home, chances are you’re having a hard time finding suitable options. That’s because availability of starter (median price $154,156) and trade-up (median price $267,845) homes on the market has decreased over the past four years all across the country, according to a new quarterly report on the supply and affordability of homes. The Trulia Inventory and […]

  • Fraud

    A Tax Fraud Survival GuidePersonal Finance

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    Despite tales of highly sophisticated, fluid-fingered cyber ninjas working tirelessly to penetrate heretofore impenetrable, firewalled, super secure databases, many identity thieves actually have a pretty easy job getting what they need to make a killing. The number of people out there with tight personal cyber security is fairly limited — those who only go online via virtual private networks (VPNs) and communicate solely via encrypted email and messaging apps. They aren’t so easy for the […]

  • Medical history

    You Aren’t the Only One Who Knows What Meds You’re OnPersonal Finance

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    Most people expect their medical data to remain in just a few hands — their doctor, their pharmacist, their family, etc. — but prescription medication data can be shared with a number of companies you may not expect. Consumer Reports reminded readers last week that prescription drug data can be shared not only with your pharmacist, but with the pharmacy chain, data miners and insurance companies. These companies use the data to send you ads for medical […]

  • What to do if you're audited

    What to Do Immediately If You’re AuditedPersonal Finance

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    Unless you’ve intentionally done something wrong on your tax return, chances are you’re not going to get audited. The Internal Revenue Service’s 2014 Data Book shows the overall audit rate for individual taxpayers was under 1% of all returns filed. IRS audits fall into two categories: Correspondence audits, which typically just look to correct a filing error and can be handled by mail with an IRS agent; and field audits, which take place in person […]

  • Social Security Is Changing Soon. Here’s What You Need to KnowFinancial Literacy, Retirement, Personal Finance

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    There has been much buzz about Social Security recently—and with good reason. Section 831 of the Bipartisan Budget Act contains the first major change to Social Security claiming rules since the Senior Citizen Freedom to Work Act in 2000. Finding out who is affected and what they need to do is a challenge. The Social Security Administration sent an emergency message to its field offices in February explaining how its employees should implement the changes. […]

  • Credit Card

    6 Ways You Can Lose Your Credit Card Rewardscredit, Personal Finance

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    Your points, miles and cash back are not nearly as secure as the money you deposit in a federally secured bank. Your credit card rewards are subject to some rules and terms that you need to follow in order to redeem and use them. Credit card rewards come in several different forms, and each has its own vulnerabilities. To make sure that you never lose your valuable rewards, consider these six ways that it can […]

  • Credit Cards

    5 Random Reasons Your Credit Score Could DropFinancial Literacy, credit, Personal Finance

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    You likely know that monitoring your credit score is an important part of managing and maintaining your financial health, but it’s also important to understand how your credit score is calculated and the key factors that are used in the calculation. Even then, though, there are the outliers, the unknowns, the credit goblins that go bump in the night and, come morning, you’ve got a small ding on your credit score that you had no control […]

  • You’re Making the Same Money Your Parents Did … But You’re Probably Working HarderRetirement, Personal Finance

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    Well, Millennial, you may have lower credit scores than Mom, less financial stability than Dad, and lack the funds to leave your childhood home. But there is one thing you have in common with the ‘rents — you’re probably making the same amount of money they did at your age. According to a new report from the Center for American Progress (CAP), median compensation (wages plus the value of employer benefits) for a 30-year-old in 2014 […]

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