How Will Your Social Security Benefits Be Taxed?

Personal Finance

How Will Your Social Security Benefits Be Taxed?

How Will Your Social Security Benefits Be Taxed?

Social Security is a massive government program with hundreds of billions of dollars running through it. In fact, $863 billion was paid out just in 2014. Whether you’re already receiving Social Security payments, or it’s decades away for you (and contrary to rumors, your Social Security payments will probably still be there for you then),… Read More

The Mystery of the $125 Gift Card That Never Arrived

Personal Finance

The Mystery of the $125 Gift Card That Never Arrived

The Mystery of the $125 Gift Card That Never Arrived

Question: Last year, I made a purchase at neimanmarcus.com and was supposed to receive a $125 gift card 6 to 8 weeks afterwards. Two months later, I called to inquire about the status of the card, and was told that the card would be issued via email “in a few weeks.” After two months more,… Read More

Is Student Loan Debt Suffocating American Entrepreneurs?

Students

Is Student Loan Debt Suffocating American Entrepreneurs?

Is Student Loan Debt Suffocating American Entrepreneurs?

Small businesses make up about 99% of all U.S. businesses, but even as crucial as they are to the economy, they’re facing a major roadblock: student loan debt. Rising student loan debt correlates to a decline in formation of small businesses, according to a study from the Federal Reserve Bank of Philadelphia. This is particularly… Read More

What Goes Unsaid When We Talk About Student Loans

Students

What Goes Unsaid When We Talk About Student Loans

What Goes Unsaid When We Talk About Student Loans

Education Secretary Arne Duncan took a couple of field trips to Maryland last week. During his first outing, to the University of Maryland–Baltimore County campus, he delivered a speech outlining the Department of Education’s plan for remediating what has become higher education’s damaged value proposition. On his second visit, to the Maryland Correctional Institution in… Read More

Does Your Mortgage Pre-Approval Hold Water?

Mortgages

Does Your Mortgage Pre-Approval Hold Water?

Does Your Mortgage Pre-Approval Hold Water?

If a lender tells you that you can be pre-approved in just a few minutes, you might want to stop and run in the other direction — fast. A real pre-approval involves much more than just a loan application and credit report. Here’s what a traditional pre-approval includes: You’ve submitted an application with a lender. You’ve… Read More

My Spouse Wants to Retire Early. Can We Do It?

Personal Finance

My Spouse Wants to Retire Early. Can We Do It?

My Spouse Wants to Retire Early. Can We Do It?

When contemplating their personal finances, many folks often ask: “When is the right time to retire?” However, the “right time” to retire is different for each person, which is what makes defining it so elusive. There are several things that influence the decision-making process, including: your individual financial situation, the ages of your children, your… Read More

How to Protect Your Identity on Instagram

Identity Theft

How to Protect Your Identity on Instagram

How to Protect Your Identity on Instagram

Instagram is a convenient and fun site for sharing your videos and photos with friends, family and colleagues. But the service, which by default allows anyone to view your profile, can leave you open to identity thieves if you don’t take steps to protect yourself. You can protect your privacy and personally identifiable information (PII)… Read More

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