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5 Things the SECURE 2.0 Act changes about retirement

President Biden signed an omnibus budget bill in December 2022, which included bipartisan legislation helping to make it easier for people to save for retirement. The SECURE (Setting Every Community Up for Retirement Enhancement) 2.0 Act builds on the previous SECURE Act law, which was passed in 2019. While not all of the changes in the SECURE 2.0 Act...

What Are Homeowners Association (HOA) Fees and What Do They Cover?

Wouldn’t it be nice if you never had to mow your own lawn? Or shovel snow from your driveway? How about having a swimming pool you didn’t need to maintain?  Living in a homeowners association (HOA) can sometimes provide these benefits and more. However, you will usually need to pay an HOA fee. With that said, what are HOA fees exactly, and what...

What Are Tax Deductions and Credits? 20 Ways To Save on Taxes

You may already know they can help you come tax time, but what are tax deductions and how are they different from tax credits? Tax deductions lower your taxable income. Tax credits provide you with an overall discount on your tax bill.  Let’s break down exactly what that means so you can optimize your tax refund this year. Plus, learn some of...

What Is Income Tax and How Is It Calculated?

Income tax is the tax that federal, state, and local governments require businesses and individuals to pay on their total earnings each year. Total earnings can include wages, tips, interest, dividends, unemployment, and retirement distributions. To calculate income tax, you must first determine your taxable income and filing status to see which...

The 15 Best Investments for 2023

When it comes to building your wealth and planning for your financial future, investing is one of the best decisions you can make.  The benefits of smart investing are plentiful. When done strategically, investing can allow you to outpace rising inflation and build wealth on your own terms. Additionally, good investments can generate earnings...

How To Buy Stocks: A Beginner’s Guide

Stocks are an important part of any investment portfolio. Compared to other investments, they offer a relatively high average rate of return. In fact, from 1928 – 2021, the S&P 500 averaged returns at a rate nearly double that of bonds and nearly triple that of real estate (11.94 percent, 6.21 percent, and 4.4 percent, respectively). While...

What Is Real Estate Wholesaling?

There are many different ways to invest in real estate, and pros and cons to each different kind of investing. You might choose to be a long-term landlord, invest in short-term rentals, REITs or fix and flip houses. Real estate wholesaling is another way to invest in real estate and may be attractive to some people. In real estate wholesaling, you usually...

What Is A Brushing Scam?

If you receive items or packages that you never ordered, you may be the victim of a brushing scam. Brushing scams are illegal in the United States and many other countries. While you may enjoy the surprise of receiving items that you weren’t expecting, brushing scams may be a symptom of identity theft. If you receive packages you aren’t expecting, there...

WTFinance: Annuities vs Life Insurance

If you’re looking to secure the financial future of your family, you may be considering a life insurance policy or an annuity. But you may have some lingering questions about which option to choose – and what makes them different in the first place. In this article, we’ll explain how annuities and life insurance differ, and leave you with...

How To Save Money [and Spend Less]: 39 Tips for 2022

Saving money helps create a sense of stability and control over your finances, especially as you get older. From being able to invest in your future to spotting the spending habits that eat away at your money every month, there are many benefits to learning practical and easy ways to save your money.  Keep reading for some money-saving tips that...

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