67 articles filed under Personal Finance, newest first.
A practitioner's breakdown of hard money fix-and-flip loan structure: ARV vs. LTV, origination points, interest-only terms, qualification requirements, and how it compares to DSCR lending.
A practitioner's guide to MCA vs business loans — how to convert factor rates to APR, what daily holdbacks actually cost, the confession of judgment risk, and when an MCA makes sense.
A practitioner's guide to life settlements for seniors: verified payout ranges, post-TCJA tax tiers, broker fee structures, state licensing requirements, and fraud red flags.
A practitioner's guide to captive insurance formation: the 2026 $2.9M premium cap, Drake Plastics ruling impact, domicile comparison, and how to avoid IRS listed-transaction exposure.
DSCR loans qualify you based on the rental income of the property — not your personal tax returns. Here's how the ratio is calculated, what rates and down payments look like in 2026, and the real situations where DSCR outperforms conventional financing.
A practical guide to small business loans in 2026—SBA loans, bank loans, online lenders, and startup funding. Compare rates, requirements, and timelines.
A practical checklist for evaluating cancer insurance and critical illness policies in the US. Learn what's covered, what's not, and whether you actually need it.
A practical breakdown of car lease vs. auto loan vs. buying outright in 2026. Compare total costs, monthly payments, tax implications, and which option fits your lifestyle.
Everything you need to know about debt consolidation loans in 2026—how they work, when they make sense, what to avoid, and how to choose the right option for your situation.
Navigating dental insurance plans in 2026 is confusing. Here's a plain-English breakdown of waiting periods, implant coverage limits, and whether a dental plan is actually worth it.
Beyond basic liability — what umbrella policies, gap insurance, uninsured motorist coverage, and rideshare add-ons actually cover and when they're worth buying.
Your debt-to-income ratio determines how much your lender will approve. Here's how to calculate your borrowing capacity, avoid common mistakes, and qualify for more.
Everything you need to know about electric vehicle incentives in 2026 — federal tax credits, state rebates, income limits, and how to maximize your savings.
A practical guide to fire and homeowners insurance in 2026. What's covered, what's not, how much you need, and the biggest mistakes people make when buying a policy.
Get the most out of your 2026 tax return. From overlooked deductions to retirement account tricks, here's how to boost your refund before the deadline.
Paying too much for insurance? These 10 proven strategies help you cut premiums on auto, home, health, and life insurance while keeping the coverage that actually matters.
Security deposit disputes cost US renters billions each year. Here's how rental deposit insurance, deposit guarantee schemes, and tenant protections actually work — and how to use them.
Comparing deposit-backed rental loans and monthly rent costs in 2026. Interest rates, housing loan options, and how to decide what's right for your situation.
How to actually survive — and save — living solo on a constrained budget. Honest breakdown of rent, food, utilities, and what the internet doesn't tell you about frugal living.
Should you refinance your mortgage in 2026? This guide covers break-even timelines, current rates, costs, and the step-by-step process for getting the best deal.
A practical guide to checking your Social Security benefit estimate online, understanding how benefits are calculated, and strategies to maximize what you receive.
A complete guide to housing loan programs for newlyweds and first-time buyers in 2026—income limits, loan caps, interest rates, and how to apply.
Overwhelmed by debt? This guide breaks down personal bankruptcy options in the US, how to qualify, what to expect, and how to rebuild your finances after filing.
Compare personal loan rates across banks, credit unions, online lenders, and credit cards in 2026. Find the cheapest option for your credit score and borrowing need.
Understand what you're actually paying for with US health insurance. Compare plan types, deductibles, networks, and find coverage that fits your budget.
How to calculate your life insurance surrender value, understand the real cost of keeping a whole life or universal life policy, and decide whether surrendering is the right financial move.
A practical guide to student loan repayment in 2026. SAVE plan updates, PSLF changes, income-driven repayment options, and strategies to get out of debt faster.
Practical ways to lower your electricity bill this summer without sweating it out. Covers AC settings, thermostat strategy, appliance habits, and utility programs.
A clear breakdown of whole life vs term life insurance — premiums, cash value, death benefits, and which makes financial sense for your stage of life.
YouTube Premium costs $13.99/month and keeps going up. Here are the best legitimate and unofficial alternatives to get an ad-free experience for less — or free.
How to do a Backdoor Roth IRA in 2026: 2026 income limits, pro-rata rule traps, step-by-step Vanguard/Fidelity walkthrough, and tax form 8606 reporting.
Compare 2026 CD rates, Treasury bills, and high-yield savings accounts. Real after-tax yields, liquidity tradeoffs, and which to pick for your emergency fund.
Build an emergency fund from zero with this step-by-step guide. Covers how much to save, where to keep it, how to automate contributions, and when to tap it.
12 passive income ideas for 2026, each with a breakdown of startup cost, time investment, and expected returns — from dividends to digital products.
7 best budgeting apps for 2026 compared: YNAB, Monarch Money, Goodbudget, and free alternatives. Find the one that fits your money management style and goals.
Run the real math on flat 2% vs. 5% rotating category cards. See which card combination maximizes annual cashback based on your grocery, gas, and dining spend patterns.
Top 7 Korean credit cards for cashback, mileage, and daily discounts. Covers annual fees, spending requirements, and tips for foreigners in Korea.
Compare 2026 mortgage rates and lock in the lowest one. Covers fixed vs adjustable rates, credit score impact, lender comparison, and timing strategies.
Compare savings account rates across Korean banks, internet banks, and savings banks. Includes bonus rate conditions, after-tax yields, and expat tips.
Cut your Korean car insurance premium by 20%+. Covers direct vs broker insurance, discount options, pay-per-mile plans, and tips for foreign drivers.
Homeowners insurance in 2026: what's covered, how deductibles work, and 10 proven ways to lower your premium without cutting protection.
File Korean taxes on HomeTax (hometax.go.kr). Covers login options, income returns, deductions, refunds, and common mistakes expats and residents make.
Korea's ISA (Individual Savings Account) explained for 2026. Covers account types, tax-free limits, eligible investments, and how to open one as an expat.
401(k) vs IRA for 2026: contribution limits, tax benefits, employer matching, and investment options to find the right retirement strategy.
Racing toward April 15? Tax tips covering deductions, how to file an extension, common mistakes to avoid, and how to maximize your refund.
Step-by-step guide on what to do after quitting: unemployment benefits, COBRA, 401k rollover, health insurance, and taxes.
Hidden recurring charges are draining your account. Here's how to audit, cancel, and manage forgotten subscriptions to save over $100 a month.
Learn 7 actionable steps to boost your credit score quickly in 2026. Covers what affects your score, common myths, and realistic timelines for improvement.
How Cash App, Apple Pay, PayPal, and Revolut turned into full banks. Compare savings, investing, insurance, and lending features.
Emotional spending is draining wallets in the Feelconomy era. Here are 5 proven strategies to identify triggers, pause impulse buys, and spend with intention.
Discover 7 proven strategies to reduce your freelance tax bill in 2026. From business deductions to retirement accounts, save hundreds or thousands.
Complete tax guide for gig workers in 2026. Covers delivery drivers, YouTubers, bloggers, and content creators with deductions and filing strategies.
Discover free and subsidized job training programs available after quitting your job in 2026, from WIOA to community colleges and tech bootcamps.
Compare COBRA, ACA Marketplace, and other health insurance options after quitting your job. Find the cheapest coverage in 2026.
Learn how to file your 2026 income tax return step by step. Covers freelancers, W-2 employees, deductions, and IRS deadlines.
Start investing with as little as $100. This beginner's guide covers stocks, ETFs, index funds, and straightforward strategies to grow your money in 2026.
Calculate your severance pay after tax with our complete 2026 guide. Understand tax withholding, negotiation tips, and how to maximize your payout.
Learn how to handle taxes on side income as an employee. Covers blogging, freelancing, delivery, tutoring, and more with 2026 thresholds and tips.
Complete tax guide for sole proprietors in 2026. Income tax, self-employment tax, quarterly payments, deductions, and bookkeeping essentials.
Planning to start a business after quitting your job? Here is everything you need to know about registration, funding, taxes, and risk management.
Should you hire a CPA or file taxes yourself? 2026 cost comparison, pros and cons, and a decision framework for every tax situation.
Complete list of tax-deductible expenses for 2026. Self-employed and small business owners: don't miss these write-offs.
Filed late or missed the tax deadline? Learn how to minimize IRS penalties, set up payment plans, and get back on track in 2026.
Comparing TurboTax, FreeTaxUSA, and H&R Block for 2026 tax filing. Features, pricing, and which one fits your situation best.
Learn what counts as a valid job search activity for unemployment benefits in 2026, minimum requirements, and tips to stay compliant.
Learn how to claim a tax refund on withheld income. Step-by-step guide covering eligibility, filing process, refund calculation, and common mistakes.
Understand the key differences between W-2 employee and 1099 contractor tax filing. Learn who needs to file what, common mistakes, and smart strategies.