My husband and I recently did our taxes, and we were shocked by the amount of money we were being refunded by the government. At first we were elated because it was enough to pay off our car, so that we would now be able to live debt free. At the same time, we were kicking ourselves for not having this money available for use during the past year.
If you’re like me and you use an iMac, tote a Macbook Pro or Macbook Air, and carry an iPhone, then you probably pay close attention to all of the new product launch announcements from Apple, whether you need a new gadget or not.
You also know that there was something revolutionary about the iPhone, and that the iPad has that same quality. They both brought a lot of new users into the Apple world. I like to call them the “gateway drugs” to becoming an all-Apple user. But when the first iPad came out, I warned that you should wait for the next version. Apple recently announced that the second generation of the iPad is on its way, and it’ll be packed with a lot of features that the first one should have had.
Dealing with customer service is the bane of my existence. If I could pay someone to do it for me I probably would.
There are only so many ways to contact a company, and each one has severe drawbacks. When you try a telephone call, you risk spending valuable time navigating phone trees and waiting on hold, only to try explaining the problem to someone who may not understand your issue, may not know the finer points of English, or just may not be able to help. When you try email, you may have to wait days to receive a form letter that doesn’t even address your problem. Using the fax machine or sending a letter only increases the odds of an unsatisfactory or untimely response.
My dog just needed to have gum surgery. Seriously. The poor thing had to eat wet food for a week, and my poor husband almost had a heart attack when we got the bill: $1,250. To say the least, veterinary services aren’t cheap. There are many benefits to having a dog, but you obviously need to assess how much a dog really costs.
Smart Money reported that veterinarian bills for a dog rose from an average of $172 to $219 between 2002 and 2006. Vet bills for cats rose from $133 to $172. And they keep getting higher. To make matters worse, those averages only account for routine checkups and vaccinations. If your pet has an emergency, like mine did, you can expect to pay well over $500.
Many investors find themselves experiencing extreme emotional shifts in concert with the unpredictable rises and falls that come with stock market investing. Anxiety may hit like a ton of bricks when prices fall, while excitement sets hearts racing with exhilaration when they rise.
Those who choose to invest in long-term dividends, however, will not feel this same angst as stock prices shift. These investors know that the financial success of their investment is not based on the vagaries of the market itself, but rather on the long-term success of the company. They believe that the stock price and dividend will eventually rise over the long haul, resulting in huge gains over a long period of time.
The IRS is often portrayed as a scary group of calculator-wielding mercenaries who are just out to get more money out of you, but in truth you only have something to fear if you’ve intentionally falsified your taxes or are guilty of tax evasion fraud.
Nevertheless, you may still be audited during your lifetime, either as part of a randomly selected group, or because you have certain red flags in your return. The IRS generally has up to three years after you file or the due date (whichever is later) to audit your return, but it can audit up to six years in some cases. If you file a fraudulent return or don’t file at all, there is no statute of limitations on when the IRS can audit you.
Recently, I’ve been looking to switch banks and find a new partner to support my banking needs. For now, I’m searching for a personal account, but eventually, I’ll need business banking solutions as well. Therefore, I need to weigh both the business and personal products offered by the banks I’m considering.
Though I have not yet made my final decision, one the of firms at the top of my list is Zions Bank. They have been in business for over 135 years, so you know that they possess tradition and history – two big pluses in today’s unstable banking world. They have FDIC insurance coverage (another security blanket) and offer some of the best interest rates around.
No one enters into a lease agreement planning to break the lease, but unfortunately things happen. Maybe you lost your job and you can’t make the rent, maybe you have a problem with your neighbor, or maybe you’re stuck under the thumb of a bad landlord.
Knowing your rights ahead of time will help you get through the process intact – especially if you feel that you’re being unfairly evicted.
Here are six steps you can take to protect yourself as a tenant during the eviction process.
Imagine that you spent several hundred dollars or more on homeowners insurance coverage, just so that you could have a little peace of mind if something went wrong. Now imagine that your insurance company denied your claim after your home was damaged or ruined beyond repair.
Denied claims make your life much more complicated, especially when you don’t have the cash to pay for the repairs on your own. But don’t start thinking of ways you can live with those burst pipes or that tree through your roof just yet. Take a deep breath and read on. There may still be hope.
When you’re trimming your budget, you start looking at your grocery store receipts with a lot more scrutiny. And if your family is big on meat and poultry for lunch and dinner, expensive choices add up quickly.
Don’t assume that your food budget is at the mercy of your butcher’s business decisions. With these six quick tips for the deli counter and your kitchen, you’ll be able to spend less, get more, and make it last longer.