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CREDIT CARDS, MORTGAGES

Is It Ever Smart To Take Out A Home Equity Loan?

By Susan Ladika on February 15th, 2012 at 3:48 pm

advantages-of-a-home-equity-loan
If you can qualify for a home equity loan, it’s certainly worth considering. One of the big stumbling blocks these days is that almost one-quarter of homeowners are underwater – meaning they owe more on their home than it's worth. Even if you aren't underwater, a financial institution is likely to require you to have a minimum amount of equity in your home before they'll consider giving you a home equity loan. Lenders also look at your credit history and income when determining whether to make the loan. .
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INSURANCE

Are You Reviewing Your Medical Bills For Overages?

By The BIDaWIZ Team on February 10th, 2012 at 2:30 pm

According to the Medical Billing Advocates of America group, 9 out of 10 medical bills provided by doctors and hospitals contain errors. Are you checking all of the charges and do you know what to look for on the bill? .
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TAX PREPARATION, TAX SAVINGS

Do I Qualify For The Earned Income Tax Credit?

By The BIDaWIZ Team on February 9th, 2012 at 8:00 pm

If you earned $49,078 or less last year, it is highly likely that you will be eligible for the Earned Income Tax Credit (EITC). Although the EITC has existed for decades, it’s been improved and expanded over the years. Yet, 20% or approximately 5 million eligible workers and their families don’t claim the credit when they file. Find out if you qualify for this credit. Read More.

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MARKETING

What To Know About Online Advertising Before Launching a Campaign

By The BIDaWIZ Team on February 9th, 2012 at 6:00 pm

Most small businesses that operate online have likely dabbled with advertising either through paid search or display ads. Their results will vary as it depends on the business, target audience, creative, and publisher, among other factors. Yet, sometimes a campaign is bound to fail before it begins. .
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INVESTING

Does It Make Sense To Borrow From My 401(k)?

By Susan Ladika on February 9th, 2012 at 11:45 am

Not all companies allow you to borrow from your 401(k), but a survey by the Employee Benefit Research Institute (EBRI) found the practice was more common among bigger employers than small ones. At the end of 2010, about one in five 401(k) participants who were eligible to borrow from their plans had outstanding loans. .
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FINANCING

Should You Consider Alternative Financing For Your Business?

By The BIDaWIZ Team on February 3rd, 2012 at 2:00 pm

When many businesses think about financing, getting a loan from the bank is usually the first thought. While that can be an effective way to grow your business, it's not always an option for every business. Alternative financing is often overlooked because of the lack of transparency but it should be considered as it can be a difference maker. .
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TAX SAVINGS

Is It Worth It To Get A Refund Anticipation Check For My Tax Refund?

By Susan Ladika on February 2nd, 2012 at 2:00 pm

You may be able to get you income tax refund a bit quicker with a refund anticipation check. But you need to keep in mind that there will be fees to pay, cutting into the amount of cash you'll wind up with in your pocket. .
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TAX PLANNING

Are Your Frequent Flyer Miles Now Taxable?

By The BIDaWIZ Team on February 2nd, 2012 at 12:00 pm

The constant changes airlines are implementing to their frequent flyer programs should not be the only thing to worry about for your miles. Now, you could actually also be on the hook for taxes. Read More.

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MARKETING

What Is The Best Way To Prevent Calls From Telemarketers?

By Susan Ladika on February 1st, 2012 at 2:00 pm

There may be nothing more irritating than having your nice quiet dinner at home marred by a call from a telemarketer. But there are solutions to stop many, if not all, of the unwanted calls. Read More.

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TAX ISSUES, TAX PREPARATION

What Can I Do If My Employer Took Out Too Much Social Security Tax?

By The BIDaWIZ Team on January 31st, 2012 at 6:00 pm

If this applies to you and you never mentioned anything to your employer in 2011, it's important to follow certain steps so you can recover the amount of social security taxes you overpaid. .
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