Cashing out an annuity triggers surrender charges, ordinary income tax, and possibly a 10% IRS penalty — all at once. Here's how to sequence your exit to minimize the damage in 2026.
The 40% excise tax under IRC §5891 is the legal mechanism that forces court approval on every structured settlement transfer — and the court exists to protect you, not slow you down. This post explains discount rates, state SSPAs, partial sales, and the red flags that end a conversation.
Full comparison of business lines of credit and term loans for SMBs in 2026 — rates, collateral, SBA options, online lenders. Know which financing fits your situation.
A step-by-step actionable guide to improving your FICO and VantageScore in 2026. Learn how to raise your credit score 100 points with proven quick wins, dispute strategies, and long-term habits.
Is a consolidation loan actually cheaper than the debt snowball? We calculate the APR breakeven point across credit tiers, loan terms, and card rates so you can decide with real numbers, not gut feel.
Debt settlement vs bankruptcy — a practical comparison for 2026. Understand pros, cons, credit impact, tax traps, and which option fits your situation.