REUTERS – Now that the President and Congress have reached a tax deal to avert the”fiscal cliff”, many Americans are breathing a sigh of relief as most income tax rates will remain in place and certain benefits on which many Americans have depended have been extended or made permanent. Still, one major perk has gone away — the payroll tax cut for most U.S. workers expired on December 31. This year, workers will see a two percent increase — from 4.2 percent to 6.2 percent – in their payroll taxes […]
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What you need to know before refinancing
December 20, 2012 in Personal Finance
What you need to know before refinancing Are you considering a mortgage refinance? Ask yourself these five questions first. Here’s the thing: Refinancing a mortgage could save you a lot of money. But, it’s no walk in the park, and it definitely is not for everybody. In fact, there are multiple factors to consider before determining if refinancing is right for you. “People should always look at the big picture when they are refinancing,” says Keaton Hutto, branch manager for Hometown Lenders in Lubbock, TX. Hutto says more often than […]
Protected: Fin Grad Call-Christmas Savings Tips -12-03-2012
December 7, 2012 in Blogroll, Cash Flow, Graduate Conference Call, Personal Finance
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Avoid Overspending During the Holidays
November 30, 2012 in Personal Finance
Don’t let the Holiday season turn into a financial nightmare. This brief article has some great thoughts on how to avoid a holiday financial collapse. Mistake 1: Waiting until the last minute. Sprint around the mall in a procrastinator’s panic and you’ll spend twice as much as you intended. Think of early as the new black: Retailers want to be the first to get your money, and hitting those November sales means no springing for express shipping. Mistake 2: Paying with plastic. People spend more when they use credit cards […]