A handful of innovative folks have been on a quest to create and source more sustainable building materials. It’s no surprise their search has confirmed that humans produce an awful lot of waste. So, in addition to sustainability, the new materials and products they’ve developed are based on waste.
Buying a home is a major investment with a decades-long commitment that affects every aspect of your life, from lifestyle, to employment, to weekend chores. In June, 495,000 homes were sold, according to the U.S. Census Bureau. Just as you would buy a warranty for a television or protective gear for that new camera, there are vital steps to protect your home financially and physically.
Sarah Damon writes about financial topics for SavingsAccounts.com. Her opinions do not necessarily reflect those of Quicken Loans. About SavingsAccounts.com: For 10 years, SavingsAccounts.com has been helping people quickly and easily discover which savings accounts are best as stable and secure places to invest their money. The website enables you to make informed banking decisions by giving you in-depth bank information and daily rate updates. Over the course of your life, you’ll have some expenses that will consume the lion’s share of your income. While some of these expenses are easy to predict, people often fail to plan for them, or don’t understand how spending too much affects them in the long run. In Get Financially Naked: How to Talk Money with Your Honey, authors Manisha Thakor and Sharon Kedar identify some key lifetime expenses that are important for you and your partner to discuss. “Addressing each of these key areas as early on in your relationship as possible will go a long way toward ensuring financial and emotional harmony in your relationship and your budget,” they write. (While their book is primarily about talking to your partner about finances, much of the advice is applicable for singles, as well.) The three expenses Thakor and Kedar list, along with key points for each, are: Home. Delayed gratification can be hard, but saving 20 percent for a down payment on your home is the way to go. Once you’ve reached that savings goal, and you’re ready to buy a house, go for a simple 30-or 15-year fixed…
Getting a big tax refund? Our guest contributor from Money Crashers shares the wisest ways to use your windfall.
The following is from Richard Barrington who writes for MoneyRates.com about financial topics including bank rates. His opinions do not necessarily reflect those of Quicken Loans. Sometimes, the biggest expenses turn out to be the ones you pay little by little over a long period of time. These expenses come out of your wallet incrementally, so they may not seem so bad from paycheck to paycheck, but when you add up all the charges, the result can be shocking. A perfect example: your lifetime tax bill. According to an analysis by MoneyRates.com, even if you earn an average income over the course of your lifetime, your federal tax bill could total in the hundreds of thousands of dollars. If you are lucky enough to earn a six-figure income, then you might be looking at a million-dollar lifetime tax bill. Something to think about as you take a look at 2011 income tax brackets. Your lifetime tax bill: crunching the numbers Of course, there are dozens of variables that will determine your lifetime tax bill, but a straightforward example is a good place to start for illustration purposes. Assume a single person using standard exemptions and deductions, and earning an average wage. According to the Bureau of Labor Statistics, the average income across all occupations in the U.S. is $43,460. Under the circumstances described, this taxpayer would have a tax bill of $4,713 on a 2010 federal tax return. Project that over the course of a 40-year career, and this taxpayer would…
Sometimes it pays to get advice from a tax expert. But it’s important to be sure the tax preparer you chose is qualified! Find out what to look for.
When visualizing “squatters,” you may imagine down-and-out bums sleeping in condemned buildings on the scruffy outskirts of town. But in a troubled housing market where large numbers of homes in pricey suburban areas are vacant, the pickings for squatters are far more upscale.
What to know how to pay off existing debt and move forward without having to borrow money in the future? Find out how from guest contributor Pinyo.
Guest blogger Gina Roberts-Grey asks: Will insurance cover you if one of these five holiday mishaps occurs?
Find out how and when the best time to ask for a raise is from guest contributor Free Money Finance.