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Say “No” to the 40 Year Mortgage

by Kevin Mercadante January 27, 2014

As a way to increase mortgage affordability, mortgage lenders are beginning to resurrect the 40 year mortgage. Not that it was ever that popular during the housing boom of the early 2000’s, but it is now seen as a way to enable more borrowers to qualify for mortgages, and in higher loan amounts. But no [...]

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Self-Employed? Don’t Forget to Pay Your State Taxes

by Miranda Marquit January 24, 2014

When I first started my freelancing business, I didn’t have a clue about taxes. I didn’t pay quarterly estimated taxes and was hit hard the first time I started making a reasonable amount of money. On top of that, I hadn’t even thought about my state taxes. The next year, I paid my federal taxes [...]

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Traditional and Roth IRA Contribution Limits

by January 14, 2014

One of the best ways to save for retirement is with an Individual Retirement Arrangement, or IRA. Because of the great tax advantages, the IRS places maximum contribution limits on IRAs. These caps are set by Congress, and can change from time to time. The IRS recently announced the 2014 Traditional and Roth IRA contribution [...]

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How to Invest in Dividend Stocks for as Little as $10

by John Schroeder January 13, 2014

Believe it or not, investing in dividend stocks does not take a huge initial investment to start. I use to think that it took thousands and thousands of dollars to get started in the stock market. While most methods for accumulating stock (i.e. online broker) require larger sums of money to get started, there are [...]

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Estimated Taxes – Who, When, and How Much

by January 10, 2014

Do you owe estimated taxes? The US tax system is a pay as you go system, which means you are supposed to pay taxes as you earn income. This isn’t a problem for many people because their employers withhold their taxes from their paycheck. But if you do not have enough money withheld from your [...]

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5 Reasons Why Dividend Stocks May Be Better Than Bonds

by Kevin Mercadante January 8, 2014

Are you interested in increasing the fixed income portion of your investment portfolio, but completely unhappy at the fact that even very long-term bonds are paying interest rates in the low single digits? If you are, there are at least five reasons why dividend stocks may be better than bonds, if income is what you are [...]

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Financial New Year’s Resolution: Create a Will

by Miranda Marquit January 6, 2014

As always, this time of year prompts thoughts about how to improve your situation for the future. When putting together your list of resolutions for the coming year, though, chances are that you haven’t thought much about estate planning. The most common New Year’s resolutions focus around things like saving more, spending less, and paying [...]

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