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When it comes to your career, one of the best ways to improve your prospects is through networking. The things you do now can improve your career for years to come. Networking is one of those career-making moves that should be a part of your career strategy — no matter what stage you think you’re …
Starting this year, there is a new home office tax deduction rule that can be applied. This is a new tax deduction rule that some home business owners might find easier to use than keeping track of everything that has to do with your home office. What is the New Rule? Basically, the new office …
Confessions of a Professional Blogger is a new book where Miranda Marquit walks the reader through her career path as a freelance writer. Miranda covers every aspect of being a freelancer, including the challenges, the tough dilemmas and what it takes to build up a sustainable business as a professional writer. In my opinion, the …
One of the best things you can do for your savings plan is to automate it. Too often, we view savings contributions as “optional” in our finances. We spend on everything else, and if there is something “left over”, we decide to go ahead and put money in the savings account. Unfortunately, this strategy of …
Not too long ago, an acquaintance came to me, wondering how he could set aside money for a short period of time and still potentially earn a decent return. He mused about the idea of using a Roth IRA for the money, since it’s possible to withdraw your contributions anytime without penalty. I also spoke …
Investing is an important part of building wealth for the future. It’s one of the best ways to consistency grow your retirement funds or find other ways to reach financial freedom. However, it’s sometimes tricky to make the right decisions with your investments. One of the most important things you should understand when it comes …
Now that a new year is underway, it makes sense to review your finances and determine what you can do to improve your situation. One of the things you can do is look at your auto insurance coverage to determine whether or not you have the right amount of coverage. How Much Coverage Do You …
You already know how important your credit score is and how it impacts many aspects of your life. As a result, it makes sense to do whatever possible to improve your credit rating. If your credit score has suffered, you can improve the situation with the help of credit repair – if it’s done right. …
In some circles, there is the idea that all debt is bad, and that it should all be paid off as soon as possible. For some time, I felt that way, too. (There’s nothing wrong with feeling that way, either. You manage your money in a way that works for you.) However, I started differentiating …
One of the things that you need to realize is that your credit report is a way for others to judge your level of financial responsibility. So, who’s looking at your credit report? You might be surprised. Lenders The most obvious group of people who are likely to check your credit is lenders. It’s fairly …
One of the ways that you can protect your sensitive financial information online is to use a virtual credit card number. This type of transaction allows you to avoid sharing your real credit card account number online, and can be useful if you are concerned about credit card fraud. However, even when you use a …
One of the biggest financial challenges my family faces is our variable income. The nature of my freelance work means that our income varies a bit from month to month, and my husband is an adjunct professor, so his income changes every semester. Because of the varying income — and the fact that we don’t …
When putting together a retirement portfolio, it’s a good idea to include different types of assets for diversity and to reduce the risk associated with your portfolio. One of the worst things you can do for your financial future is to put all of your eggs in one basket. Without the right asset allocation for …
We live in a world that is connected online. In many cases, your resume will first vetted by a computer program. If someone decides to run a quick online search involving you, he or she will see your social media profiles. This means that, if you want to survive an electronic job search, you need …
When you start building wealth, it makes sense to pay more attention to your tax situation, and what your tax situation is likely to be like in a few years. This is about more than just trying to figure out how to reduce your tax liability for the next year, or even figuring out how …
They say you shouldn’t sweat the small stuff, and I’m inclined to believe them. Unfortunately, a lot of the focus on saving money goes toward the small stuff. While I don’t have anything against pinching pennies, I definitely think that there are other ways to go about saving more money. One of those ways is …
Since the law changed a few years ago, many people have been interested in rolling their Traditional IRAs into Roth IRAs. Anyone, no matter their income, can convert a Traditional IRA to a Roth, and that has many scrambling to take advantage of what the Roth IRA has to offer. Many are aware that when …
Many would-be investors are scared of the prospect of investing. They are concerned about how to get started, whether or not they have enough money to invest, and they worry about the complexity of investing. In fact, many people don’t ever start investing because they become paralyzed by fear and information overload. The good news …