Credit Karma Review – Get Free Credit Score Improvement Tools

credit karma logoIf you’ve made any big purchases in your life – including a car or a house – you know all too well the importance of having a good credit score. Or perhaps you’ve even experienced the negative effects of a bad credit score.

Unfortunately, there are far too many companies that want to charge you money to find out what your credit score is and help you improve it. While I remain steadfast in the fact that I absolutely refuse to pay for what I believe I have a right to know, these companies continue to prey on those who are unaware of the channels available to them to obtain this information.

Click to continue reading...

5 Factors to Consider When Setting Freelance Writing Rates

woman working kitchenOne of the great things about being a freelancer (besides not having set hours, being your own boss, and sometimes working in your pajamas) is that you get to set your own rates.

It can also be one of the more difficult things about being a freelancer. You don’t want to charge too low a fee, or you won’t make enough money and people might not think you’re very good at what you do. On the other hand, you don’t want to have the most expensive rate either as you might get looked over for a more budget-friendly option. It’s kind of like the story of Goldilocks and the Three Bears – you want your rate to be “just right.”

Click to continue reading...

Head of Household Filing Status Qualifications vs. Single – IRS Tax Filing for Single Parents

single man sonRestarting life after divorce as a newly single parent can really take its toll on you emotionally, mentally, and financially. Similarly, having a child with someone you never married, and are no longer in a relationship with, can be equally difficult. If you’re in one of these situations, your tax filing status is probably one of the last things on your mind.

However, you can’t ignore this important issue: filing your taxes with the most beneficial status for you can lead to a significantly larger tax return. As someone who recently divorced and is now a single parent, I can tell you that every penny counts! Take the time to research your tax filing status thoroughly and you will be able to ease at least a small portion of your financial worries.

Click to continue reading...

How to Get Rid of Morning Sickness – 25 Natural Home Remedies & Treatment Tips

morning sickness womanWhen I first found out I was pregnant, I was excited and a little nervous (OK, a lot nervous) at the same time. My sister had severe bouts of morning sickness during her pregnancy and I wondered if I would go through the same thing. I got my answer 7 weeks in, when I was overcome with nausea, headaches, and a general feeling of miserableness night and day (whoever came up with the term “morning” sickness has clearly never had it).

Click to continue reading...

How to Pick Winning Stocks that Gain 138.8% – Joseph Piotroski F-Score Value Investing Model

piotroski stocks upPlaying and investing in the stock market is a gamble. But you can decrease and manage investment risk when you have a strategy that works, like Joseph Piotroski.

The American Association of Individual Investors tracks 63 separate stock picking strategies that include a mix of growth, value, momentum, changes in earnings estimates, and insider buying. By the end of December 2010, the winning strategy for the year was from Joseph Piotroski with a 138.8% stock market gain over 12 months. You can see the rankings for yourself on the AAII scoreboards.

What is his system and how can you pick similar stocks? Read on…

Click to continue reading...

10 Things You Should Always Buy Used Secondhand

buy antiques secondhandWhen you tighten your budget, you may realize that you’ve been ignoring secondhand stores and the value of buying certain items used.

Thrift shops, garage sales, pawn shops and dollar stores are great sources of savings, because there are some things that you just never need to buy new, not even in good times.

Consider these ten items, which are much cheaper secondhand, and you don’t even have to sacrifice quality – or pride.

Click to continue reading...

Personal Finance Round-Up: Risks and Costs of Mobile Banking Technology

smartphone moneyTechnology moves at an amazing pace today. Every year it seems the power of processors doubles, devices shrink to a fraction of their original size, and the number of things you can do on your phone increases at a startling rate.

I remember getting excited when I discovered I could text a special number sequence to my phone carrier and they would text back my account balance. I thought that was pretty cool. Now you can address nearly all of your banking needs from your smartphone. You can check balances, transfer cash, and even deposit checks – all on your mobile device. The convenience is great, but don’t ignore the downsides of using your smartphone for everything. You may be putting your account security and your financial health at risk.

Click to continue reading...

United States Tax History – Federal Income Tax History in America

100 bill united statesIt’s probably safe to say that Americans rarely find taxes fascinating. In fact, “frustrating,” “nerve-wracking,” and “head-scratching” might be more favored terms for describing the requirement to pay a portion of your money to the Federal Government. However, taxes have played a very important and – in all honesty – fascinating role in U.S. history. Most significantly, the process that would eventually lead to the Revolutionary War and America’s independence was instigated in part by the Stamp Act, Sugar Act, and Tea Act (which incited the Boston Tea Party) – all of which were tax and tariff laws placed by England on the colonies to raise revenue.

Click to continue reading...

Important Quarterly Tax Due Dates & Deadlines – IRS Tax Calendar

tax return due

Taxes are a hassle. Dates and deadlines seem to sneak up without warning despite being relatively consistent from year to year. However, getting organized and preparing throughout the year can make the traditional tax season less dreaded and much easier to navigate.

Keep these major 2016 tax dates in mind and mark them on your calendar. And note that if the date falls on a weekend or holiday, the deadline moves to the next business day.

Click to continue reading...

List of the Most Common Federal IRS Tax Forms

irs tax forms pileEach year many of us receive or fill out a lot of tax forms, and each of those forms has a specific purpose. Outlined below are some of the most common. You can find more detailed information by clicking on the form’s name.

Form 1040

The most important of them all, Form 1040 is the basic form on which you file your personal income taxes. There are additional forms and schedules you may need to calculate line items on the main Form 1040, but you can’t file your taxes without it. There are also different versions you may use, depending on your tax situation, such as the 1040EZ, 1040A, and 1040X.

Click to continue reading...