How Much Cash Should Your Business Have?

There is no shortage of things to keep in mind as a small business owner. However, if you haven’t taken the time to figure out how much cash to save, that’s one task you should move to the top…

How China’s Economic Slowdown Affects You

China’s economy has enjoyed double-digit growth for decades, thanks to exports of low-cost machinery, equipment and consumer products. As a result, China is the largest economy in the world. In 2020, it accounted for $23.01 trillion, or 18.3%, of…

Costs Involved With a Trust or Conservatory

Courts appoint guardians or conservators when individuals – called wards – are mentally incapacitated to the point where they cannot take care of themselves or their own affairs. This is often the result of the friend or family member…

How to Get a Tax Transcript From the IRS

You may know you’re supposed to keep a copy of your filed tax return for a few years, but life happens. The Internal Revenue Service (IRS) provides a tax transcript if you need an old return that you lost…

File a Non-Resident State Tax Return

Some taxpayers must file a tax return in the state in which they live, as well as a non-resident tax return in the state in which they work if they live in one state but work in another. This…

How to buy a house without a mortgage

Most people take out a mortgage to buy a house. But while using a home loan is the norm, it’s not always necessary. Let’s take a closer look at how you can buy a home without taking on mortgage…

How Do I Roll Out Money From Retirement to a Roth IRA?

Roth IRAs and retirement are two options you may have for funding your retirement. Depending on the situation and your preferences, one may be better than the other for you. For example, pensions often guarantee lifetime payments (unless the…

How to Buy Your First Home

Buying your first home is considered one of the biggest milestones, both in life and in terms of your finances. It’s a huge commitment, and there’s a good chance it will be the biggest purchase you’ll make to date.…

How to qualify for a home loan

A home loan is exactly what it sounds like: money you borrow to buy a house. If you’re ready to become a homeowner, you’ll need to meet certain criteria to be eligible for a home loan. Factors like your…

How Much Does a First Time Home Buyer Need for a Down Payment?

Rising home prices make it harder for first-time homebuyers to buy a home. Fortunately, the mortgage lending industry has relaxed down payment requirements over the years, allowing first-time homebuyers to enter the market more quickly. But setting a down…

US GDP Statistics and How to Use Them

Gross domestic product (GDP) measures a country’s economic output. It is one of the most important economic indicators that can tell you how the US economy is performing. There are five GDP statistics that can give you an idea…

How to Beat Other Offers at Home

It can be difficult to buy a home, especially in a seller’s market. When there are many buyers vying for the same spot, you may be in a double bidding situation. While this can be frustrating, there are several…

How to Rollover a 401(k) to a Roth IRA

A 401(k) rollover to a Roth IRA is a transfer of funds from a 401(k) to a new or existing Roth IRA account. Many people consider converting to a Roth IRA after they leave the company to consolidate retirement…

How to Choose a Mortgage Lender

Apart from deciding on a home, choosing your mortgage lender may be one of your most important home buying decisions. That’s because your home is likely the biggest purchase you’ll ever make, and the lender can determine everything from…

How much is Dental Insurance?

Dental insurance is designed to offset the cost of dental care. Most policies cover preventive services, such as oral exams, dental cleanings, and x-rays. More comprehensive dental insurance plans also cover certain restorative or orthodontic needs, such as fillings…

How to Give Credit Card Points

If you’re sitting on a pile of credit card points with no plans to use them, giving them as a gift can sound like a good idea—and it can. But there’s a lot to think about when giving out…