Skip to content
Trusted Answers From Licensed Business Professionals

2012 Sales Tax Holidays Start Next Week For Many Shoppers

‘Tis the season for state sales tax holidays for many back to school students and other shoppers. We’ve compiled a list of states offering a sales tax holiday for consumers with information related to the items that qualify. Find out if your state is temporarily dropping sales tax next week or in the near future. Read More.

Share |

The 40% Excise Tax On Health Care Plans May Impact You


We all know that health care reform is on its way which means that taxes will be rising. The government will be utilizing a variety of funding sources such as the 3.8% investment income tax and the 0.9% additional medicare tax directed toward high income earners. One other area that hasn't been discussed much happens to be the 40% insurer excise tax on "Cadillac" health care plans. This excise tax may impact far more than just C-Level executives with fat cat health care plans. .
-or-
Share |

Should I Purchase Long-Term Care Insurance?


The 65 year old plus population is expected to grow from 40M today to 71M or 20% of the population in 2030 (US Census Bureau June '09). Still, very few Americans have a plan when it comes to long-term care insurance. Investing in a policy today may save you tens of thousands of dollars per month later on in life. .
-or-
Share |

What Actions Will Hurt My Credit Score?

One of the hot topics the past few years relates to credit, since it is so difficult to obtain these days. It is quite possible that certain actions you have taken or are thinking about taking now, will hurt your credit score. Find out what they are. Read More.

Share |

How to Handle Insurance For Children in College


When your child moves away from home and off to college, there are a whole slew of things to take care of which includes reviewing your insurance coverage. Is your child appropriately covered or are you spending too much on insurance? .
-or-
Share |

Should I Refinance With An Adjustable Rate Mortgage?


Adjustable rate mortgages may seem like a great deal these days with average rates for 1 year ARMs at or near 2.7%. This compares to 30 year and 15 year fixed rate mortgages at 3.6% and 3.0% respectively. Does the extra 30 to 90 basis points in annual interest savings justify the risk of obtaining an adjustable rate mortgage? .
-or-
Share |

Borrowers Beware of the New Mortgage Credit Score

Homebuyers are still having difficulty obtaining mortgages as strict lending requirements remain in place. To try to provide greater transparency for lenders, FICO recently released a new mortgage credit score that better captures consumer buying behavior. How will this impact new homebuyers? Read More.

Share |

Should Seniors Consider Reverse Mortgages?


Seniors that are 62 or older may be eligible to obtain a reverse mortgage which is a type of home equity loan. There are clear risks with reverse mortgages, but for some, it may provide a financial life line during retirement. .
-or-
Share |

Is Your Homeowners Insurance Policy Providing Adequate Coverage


Today, the average family can expect to pay at least $1,000 in annual homeowners insurance premiums. Rising prices of building materials and the added cost of getting coverage for excluded items under primary polices have both contributed to this trend. Still, many homeowners may not have an insurance policy that meets their expected coverage in case of a loss to their home. .
-or-
Share |

Students With Government Debt Get a Reprieve But…

The government continued its fiscal policy of kicking the can down the road by extending low interest rates on government issued debt to students. Interest rates were expected to jump to 6.8%, but that has been pushed aside until July 1, 2013. Still, the decision left out a major provision that will undoubtedly hurt some students. Read More.

Share |