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Home Authors Posts by Kira Botkin

Kira Botkin

74 POSTS 55 COMMENTS
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.
Free Annual Credit Report

What Is a Credit Report – How to Get a Free Annual Credit Report

You may have heard that you should check your smoke alarm batteries when you change your clocks to daylight savings time. So in the spirit of preventing a disaster, why not check your credit...
Sell Your Car

How to Sell a Used Car on Craigslist Online

When you're selling a car, you're more likely to get the best price from an individual as opposed to a dealer. When you're looking for a way to find that individual, remember that Craigslist is...
Coverdell Education Savings Account Esa

What Is a Coverdell Education Savings Account (ESA) – Rules & Limits

Given the alarming rate at which universities are increasing their tuition, saving for your child's college education can seem like a daunting task. But believe it or not, it's almost more important when you start saving...
Zombie Debt Collectors

Zombie Debt: What It Is and How to Deal with Collectors

If you've had debt in the past you couldn't pay, some of those accounts may have been written off as "uncollectable." In other words, the company may have stopped trying to collect because they...
Why File Bankruptcy

When and Reasons Why to File for Bankruptcy

Declaring bankruptcy is a pretty extreme measure. But used in the right way at the right time, it can save you money, preserve your peace of mind, and get you back on your feet...
Chapter 7 Chapter 13 Bankruptcy

Chapter 7 vs. Chapter 13 Bankruptcy – Which Should You File?

If you've decided to declare bankruptcy, it's important to understand the different types. Both Chapter 7 bankruptcy and Chapter 13 bankruptcy offer unique benefits. Which one will make sense for you depends on your personal...
Chapter 13 Bankruptcy Filing Rules

What Is Chapter 13 Bankruptcy – Filing Rules & Information

Filing for Chapter 13 bankruptcy can stop creditor harassment, runaway interest rates and fees, and can provide you with a structured plan for paying down your debt. It's sometimes referred to as a "reorganization"...
Chapter 7 Bankruptcy Filing Rules

What Is Chapter 7 Bankruptcy – Filing Rules & Means Test

When you think of bankruptcy, you probably think of Chapter 7 bankruptcy. It is sometimes referred to as a "straight bankruptcy" or a liquidation. Chapter 7 bankruptcy allows most debts to be entirely forgiven...
Income Tax Course

H&R Block Income Tax Course – How to Become a Tax Preparer

If you're handy with finances, you might have helped some of your family or friends do their taxes. Want to get paid for it? If you take the H&R Block tax course, you'll learn...
Frivolous Tax Arguments Cases Fraud

Frivolous Tax Arguments and Cases of IRS Tax Fraud

Over the years, many people have conjured up incredible arguments about why they shouldn't have to pay taxes. Using convoluted arguments or ultra-specific, twisted-around readings of tax codes, they convince themselves that the tax...
401k Ira Withdrawal

How to Withdraw from Your 401k or IRA for the Down Payment on a...

Buying a home can be a big step towards securing your financial future, but saving for the down payment can be very time-consuming. However, if you already have money in your retirement accounts, you might be able...
Roth Ira College Savings Education

How to Tap into a Roth IRA for College Savings & Education

If you have children at home who hope to go to college someday (or someday soon), it's important to plan ahead financially. College tuition is increasing every year and financial aid is never as...