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Kira Botkin

Kira is a longtime blogger and serial entrepreneur who enjoys gardening, garage sales, and finding stray animals. She lives in Columbus, Ohio, where football is a distinct season, and by day runs a research study for people with multiple sclerosis. She hopes that the MoneyCrashers team can help you achieve your goals and live a great life.
Form 1099 Div Taxes Dividends

IRS Tax Form 1099-DIV – How Are Dividends Taxed?

Many investors choose to invest in dividend-bearing stocks, or mutual funds focusing on dividend payers, as part of their portfolio. And those dividends can pay off in a major way. Investing in dividend-bearing stocks can...
Understanding 1099 Misc Boxes

IRS Tax Form 1099-MISC – Instructions for Small Businesses & Contractors

In an effort to help make filing taxes easier this year, we are breaking down the various IRS tax forms to help you know if you need them, and how to use them. If you're a freelancer...
form 1098

What Is a 1098 IRS Tax Form – 1098-C, 1098-E, 1098-T

In an effort to help make filing taxes easier this year, we are breaking down the various IRS tax forms to help you know if you need them, and how to use them. There are...
Ways Improve Gas Mileage

9 Ways to Improve Your Car’s Gas Mileage and Drive Efficiently

As gas prices remain high, improving your car's mileage is crucial. By stretching a tank of gas further, you can reduce the amount of times you must fill up per month, which can help...
403b Retirement Plan Rules

What Is a 403(b) Retirement Plan – Contributions, Withdrawals & Taxes

Many people know they should contribute to a 401(k) account to secure an enjoyable, comfortable retirement. But if you work for a nonprofit, a state agency, or a university, your employer might offer you...
Factors Affect Car Insurance Rates

11 Factors That Affect Car Insurance Rates – How to Lower Your Costs

When shopping for car insurance, it can be tempting to reduce your rates by choosing lower amounts of coverage or by raising your deductibles. These are, of course, the two most obvious factors that affect...
Fixed Rate Mortgage Definition

What Is a Fixed-Rate Mortgage Explained – Definition, Pros & Cons

When shopping for a home mortgage, there are a dizzying array of options available to you. The most popular option is the fixed-rate mortgage, which offers an interest rate that does not fluctuate for...
Need Start Business

5 Things You Need to Start a Small Business

Owning your own business may seem like the epitome of the American Dream. You can be your own boss, keep your own schedule, and answer to nobody but yourself - no wonder so many...
Reasons Working After Retirement

10 Reasons to Continue Working After Retirement

When you picture yourself in your golden years, are you sitting on a beach, hitting the golf course, or working behind a desk? For many people of retirement age, continuing to work makes perfect...
Preparing Planning Retirement

How to Prepare and Plan for Retirement

Whether your retirement is fast approaching or decades away, it is likely that you do not spend much time pondering what will happen when you stop working. Unfortunately, many people are unable to retire when...
Piggyback Mortgage Pros Cons

What Is a Piggyback 80-10-10 Mortgage – Pros & Cons

A piggyback mortgage is exactly what it sounds like - one mortgage on top of another. This set of two mortgages was commonly used prior to the mortgage crisis to avoid paying private mortgage insurance...
Adjustable Rate Mortgage Definition

What Is an Adjustable Rate Mortgage (ARM) – Definition, Pros & Cons

When shopping for a mortgage, you have a variety of options. Mortgages can be structured differently and many factors are negotiable, such as the interest rate, closing costs, the loan's length, a pre-payment penalty,...